Privacy Policy

Our Pledge to You: Your relationship with Moirai Wealth Management is of the highest importance to us. We understand the need to ensure your privacy and safeguard information relating to you and your accounts. Our Privacy Policy outlines our commitment to your privacy and provides important information relating to how we obtain, use and safeguard your personal information. If you should have any questions or concerns regarding our privacy policy, please do not hesitate to contact Moirai Wealth’s Chief Compliance Officer, Karen M. Schmid, CFA.

Our Commitment to Your Privacy: Protecting clients’ privacy is of paramount importance to Moirai Wealth Management LLC (“Moirai Wealth”, the “Firm” or “Advisor”). It is Moirai Wealth’s policy that no private client financial information obtained by the Firm is sold or made available to third parties except that:

  • Third parties may be used by the Firm to assist in the management or maintenance of client accounts (such as a custodian, broker or bank);
  • Client information may be released to client’s accountancy, legal and other third party representatives at client’s direction;
  • Client information may be released in accordance with applicable laws and regulations.

The Firm will not share non-public personal information about its clients with nonaffiliated third parties without prior client consent, except for specific purposes described below. This notice explains the Firm’s collection, use and safeguarding of client information.

How Moirai Wealth Gathers Information: In connection with providing wealth management services to clients, Moirai Wealth may obtain information about its clients from the following sources:

  • Client agreements and other information that clients provide to the Firm, whether in writing, in person, by telephone, electronically or by any other means. This information may include a client’s name, address, phone number, email address, social security number, employment information, income, investment experience and credit references;
  • Personal tax returns provided by the client or client’s accountancy;
  • Transactions on a client’s behalf. This information may include the client’s account balances, positions, investment interests and history;
  • Consumer reporting agencies. This information may include account information and credit history; and
  • Public sources.

Sharing Information with Nonaffiliated Third Parties: Advisor only discloses non-public client information to nonaffiliated third parties when it is believed necessary for the Firm’s provision of services to you or as required or permitted by law, such as:

  • If a client requests or authorizes the disclosure of the information;
  • To provide client account services or account maintenance;
  • To respond to a subpoena or court order, judicial process, law enforcement or regulatory authorities;
  • To perform services for the Firm or on its behalf to develop or maintain proprietary trading or other software;
  • In connection with a proposed or actual sale, merger, or transfer of all or a portion of the Firm’s business;
  • To help prevent fraud;
  • With rating agencies, persons assessing compliance with industry standards, or to the attorneys, accountants and auditors of the Firm;
  • To comply with federal, state or local laws, rules and other applicable legal requirements; and
  • Pursuant to any other exceptions enumerated in the California Information Privacy Act.

Moirai Wealth does not make any disclosure of client non-public personal information to other companies who may want to sell their products or services to you. For example, the Firm does not sell client lists and the Firm will not sell client names to catalogue companies.

Use of Third-Party Electronic Platforms: The Firm is aided in its ongoing client account monitoring and management services by the use of third-party portfolio and trade data management software. We only share non-public client information with third-party platforms when it is required in order to service or maintain your account.

Opt In – Opt Out Provision: If, at any time in the future, it is necessary to disclose any client personal information in a way that is inconsistent with this policy, Moirai Wealth will give its clients advance notice of the proposed disclosure so that they will have the opportunity to either opt-in or opt-out of such disclosure, as required by applicable law.

Moirai Wealth believes that sharing private client information under the circumstances noted above is either mandated by law or necessary for the Firm to conduct its business and to best service client accounts. Clients desiring to opt out of any third party disclosures should contact Moirai Wealth immediately. Opting out may prevent Moirai Wealth from being able to fully service your account and therefore may necessitate that we terminate our management agreement with.

To Whom This Policy Applies: This Privacy Policy applies to individuals who obtain or have obtained services from Moirai Wealth used primarily for personal, family or household purposes. This Privacy Policy continues to apply to all former clients.

Our Security Practices and Information Accuracy: Moirai Wealth takes steps to safeguard client information. Access to the personal and account information of clients is restricted to its employees and agents for business purposes only. The Firm maintains physical, electronic and procedural safeguards to guard your personal information. Additionally, the Firm has internal controls to keep client information as accurate and complete as possible. If you believe that any information about you is not accurate, please contact the Firm.

Other Information: Moirai Wealth reserves the right to change this Privacy Policy. The examples contained within this Privacy Policy are illustrations and they are not intended to be exclusive. If you have any questions about this Privacy Policy, please contact Karen M. Schmid, CFA, at 415-981-1541.