the privacy of current and former customers' nonpublic personal information
is important to us. That's why we take every reasonable precaution to
safeguard your personal information from unauthorized access. After all,
we realize that your relationship with us is built on trust. Preserving
that trust is our goal. So whether you visit our web site or call our
service representatives, rest assured that we are keeping your personal
information safe and secure.
Notice has been prepared to help you understand what types of nonpublic
personal information - information about you that is not publicly available
- we may collect, how we use it and how we protect your privacy.
In the normal course of business, we collect, retain and use information
about you to serve your financial needs, administer your account(s) and
inform you of products and services that may be of interest. This information,
which is commonly referred to as nonpublic personal information, may be
collected from a number of sources. These sources include:
you provide to us on applications and other forms such as your name,
social security number, address, assets, income, etc.
about transactions with us, our affiliates and third parties.
from others such as credit reporting agencies, employers and federal
and state agencies.
information we receive from a third party when you have moved.
limit the collection and use of your information to what is necessary
to provide you with superior service.
of nonpublic personal information
We will not share nonpublic personal information about you or a former
customer with anyone, including other affiliated companies or third parties,
except as permitted by law.
may disclose, as allowed by law, all types of nonpublic personal information
we collect when needed to:
companies, representatives, employees and third parties that market
our services and products and administer and service customer accounts
on our behalf.
- other financial
institutions with whom we have servicing or joint marketing agreements.
Each agreement requires that service providers keep the information
strictly confidential and use it only for the purpose for which it was
the types of companies and individuals to whom we may disclose nonpublic
personal information include banks, attorneys, trustees, third-party administrators,
custodians, insurance agents, insurance companies, credit reporting agencies,
registered broker-dealers, auditors, regulators, transfer agents and reinsurers.
security, and integrity
We restrict access to nonpublic personal information about you to those
employees, representatives, affiliates and third parties who need to know
that information to provide products or services to you. We have policies
and procedures that give direction to our employees and representatives
acting on our behalf regarding the protection and use of customer nonpublic
personal information. We maintain physical, electronic and procedural
safeguards that comply with federal standards to guard your nonpublic
representatives when acting on behalf of SM&R. Because the representative
has a unique business relationship with you, there may be instances when
this same representative may not be acting on behalf of SM&R. In these
instances the representative may collect nonpublic personal information
on their own behalf or on behalf of another in which case SM&R's Privacy
Policy would not apply. Contact your SM&R representative to learn
more about his/her privacy practices.
and Correcting Your Personal Account Information
The accuracy of your personal information is important to us. We encourage
you to update your personal information anytime there is a change by writing
or calling our Investor Service Representatives at 1-800-231-4639. Your
call is recorded for your personal security.
We reserve the right to change any of their privacy policies and related
procedures at any time, in accordance with applicable federal and state
PRIVACY NOTICE IS PROVIDED TO YOU FOR INFORMATIONAL PURPOSES ONLY. YOU
DO NOT NEED TO CALL OR TAKE ANY ACTION IN RESPONSE TO THIS NOTICE. WE
RECOMMEND THAT YOU READ AND RETAIN THIS NOTICE FOR YOUR PERSONAL FILES.
THIS PRIVACY NOTICE IS PROVIDED ON BEHALF OF THE FOLLOWING: Securities
Management and Research, Inc. and American National Insurance Company.