Trustee Empowerment & Protection

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Trustee Empowerment & Protection
755 West Big Beaver Road,
Suite 150
Troy, MI 48084-4900
888-844-2772 (toll free)

Privacy Policy

Preserving our clients' and prospective clients' trust, confidence, and privacy, is of paramount importance in the services that Trustee Empowerment & Protection, Inc. (a Registered Investment Adviser), CSSC Insurance Services, Inc., and CSSC Healthcare Consulting, Inc. (collectively referred hereafter as "TEPI") perform. That is why we want you to know how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of the Investment Professionals as well as on behalf of the companies listed above that may aid in providing financial consulting services to you.

The Information We Collect From Websites
TEPI is committed to protecting your privacy. Specifically, users may reasonably be concerned about what information is being collected about them, how it is being collected, and how it is being or will be used. The following is designed to help you understand our collective commitment to privacy:

TEPI gathers information about Web site visitors to improve the caliber of online information and services offered. There are several forms of data that are collected, such as site visitor data, site use data, and personal information on site visitors, which is voluntarily provided to us by site visitors and users. All information collected here about you remains confidential and secure, and is not shared with non-affiliated third parties, unless required to fulfill legal and regulatory requirements, and otherwise permitted by law. This information is not used for any purpose other than for research, statistical analysis, and the development and delivery of services by TEPI.

Site Visitor Data.  TEPI routinely gathers data on site activity, such as how many people visit the site, the pages they visit, what site they navigate from, how long they visit, etc. This data is typically collected on an aggregate, anonymous basis, which means that this data contains no personal information. This data is generally gathered through the use of Web server logs and cookies1. Visitor data is shared with TEPI to improve site content and overall services.

Personal Information. TEPI collects personal information from site visitors and/or users, such as a visitor and/or user's name, address, phone number, email address, etc.  Personal information is collected only when site visitors and/or users voluntarily provide it. It is collected principally through our interactive communications forms, such as requests for information, specific service requests, etc. Occasionally, we will also collect personal information through voluntary online surveys.

TEPI reserves the right to accumulate and to disclose information about visitors to this Site, their usage of this Site, and demographics, in any form that does not reveal their individual identities and as permitted by law.

Other Personal Information We May Collect
When TEPI renders the services you have requested, we will collect such personal information about you that we determine to be necessary to perform the requested services. We may obtain this information from a wide variety of sources, including (without limitation) tax returns that you provide (or provided to us, with your consent, by your tax preparer), from files and / or documents from your Investment Professional, or you may provide the information to us directly. This personal information will typically include (without limitation) information regarding your assets, liabilities, and net worth; your income; your age; the activities that you participate in; and certain medical information.

What We Use This Other Information For

TEPI will use this personal information about you to design and implement the financial services solutions and other services that you engage us to perform. We may (although we are not obligated to do so) also use the information to diagnose your need for additional financial services beyond the scope of the engagement for which such information was gathered. 

To Whom Do We Disclose This Information

TEPI will provide this personal information about you to the consulting and financial services firms that help us provide you with the services and solutions that you have requested, including its Affiliated Firms, Trustee Empowerment & Protection, Inc. (a Registered Investment Adviser), CSSC Insurance Services, Inc., and CSSC Healthcare Consulting, Inc. (collectively referred hereafter as "TEPI"). TEPI may provide the information to other financial services providers that may provide the elements of the financial services solutions that we develop for you, such as insurance companies and money management firms.  These parties must limit their use of the information to the purpose for which it was provided.

We restrict access to nonpublic personal information about clients to those employees who may need to know that information to provide products or services to clients or as is otherwise permitted or required by law.

We may share your information with auditors, regulators, and law enforcement organizations or in response to a subpoena or discovery request, as permitted or required by law or regulation.

We do not sell the personal information of our clients to third party providers of goods and/or services.  Except as needed to perform the financial services and implement the financial services solutions that you have asked us to perform for you, we will not provide this information about you to third party sellers of goods and/or services. 

Our Security Policy
TEPI maintains physical, electronic, and procedural security measures that comply with applicable state and federal regulations to safeguard the confidentiality of your personal information. Authorized access to your personal information is provided only to those who require it to design and implement the financial services solutions that you have asked us to perform, or otherwise may need it to review and/or supervise such work. 

Contacting Us
If you have any questions please contact TEPI or its Affiliated Firms.

1Cookies are very small files placed onto the hard drive of your computer the first time you visit our website that enable our server to recognize who you are the next time you come back. Cookies do not extract private or personal information from your computer’s memory; rather, they record only information relating to your visit to our site. TEPI uses cookies to track usage of the website and to address security issues. We may also use cookies to store your preferences relating to how you use our website.  If you do not want to allow our website to place cookie on your computer, you can change your browser's settings to deny cookies; however, this may affect your experience with certain features of our website.

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