Trove FS, LLC, a Delaware limited liability company (hereinafter the “Company” or “We”) has established this privacy policy (this “Policy”) in recognition of our responsibility to protect the security and privacy of the personal information we obtain about our website visitors and clients.  This Policy describes the type of information we may collect from you or that you may provide when you visit our website (the “Site”) and our practices for collecting, using, maintaining, protecting and disclosing that information.

Please read this Policy carefully to understand our practices regarding your information. If you do not agree with our policies and practices, your choice is not to use our Site. By accessing or using our Site, you are consenting to the terms of this Policy.  This Policy applies to the personal data collected through the Site, regardless of where you are located.  This Policy may change from time to time (see “Amendments”).

Personal Identifying Information We May Collect

When you visit the Site, we may collect certain personal identifying information about you (including but not limited to your email, name, address, and telephone number) from information that you provide or from one of your authorized representatives (such as your accountant, wealth manager, and/or attorney). We may also collect information about your bank accounts and transactions (such as bills and invoices paid, account balances, and/or inquiries) to process transactions or to conduct online transactions.

We may also automatically collect information as you navigate the Site. Information automatically retrieved from cookies may include usage details, IP addresses, site interactions and browsing history (see “Cookies” for more information).

How We Use Your Information

We may use your personal information for the following purposes:

• To provide and improve our Site and services.
• To communicate with you, respond to your inquiries, and fulfill your requests.
• To process payments and complete transactions.
• To send you promotional materials, newsletters, or other communications.
• To analyze and track usage of the Site.

Information We May Share

We may share information with third parties in order to provide service to our clients, or as required by applicable law or court order. In general, the only information that would be shared would be approved by you and with your established trusted advisors. The permission you authorize may be rescinded or modified by you, in writing, at any time. We do not disclose the nonpublic personal information we collect about you to anyone except as permitted by law. The SMS opt-in and phone numbers for the purpose of SMS will never be shared with third parties or affiliates for marketing purposes.

Medical Information We May Collect or Share

We only collect medical information if we process medical bills and invoices for payment. We only share medical information if you have asked us to manage or coordinate medical bill payment. You may rescind or modify the sharing of this information, in writing, at any time.

Personal Information Protection

It is our policy to protect your personal information by doing the following:

• Safeguarding any data, computer files and documents containing your personal information from any misuse by third parties;
• Destroying, erasing or making unreadable any data, computer files and documents containing your personal information prior to their disposal;
• Protecting the confidentiality of your personal information;
• Prohibiting the unlawful disclosure of your personal information;
• Restricting access to your personal information to any third parties except in accordance with the terms of this Policy;
• Restricting the access to your personal information only to our employees who need such access and only to extent that it is needed;
• Maintaining other physical, electronic and procedural safeguards in compliance with applicable federal and state laws and regulations.

Though we aim to safeguard your personal information from unauthorized access, use or disclosure, please note that no data transmission can be guaranteed to be 100% safe.  Should there ever be a security breach regarding your personal information, we intend to comply with any and all applicable state and federal law requirements regarding the notification and disclosure to you and to any appropriate authorities.

Children’s Privacy

Our Site is not aimed or targeted to attract children under 16 years of age and our objective is not to collect personal information from children under 16 years of age. No one under the age of 16 may provide any personal information on our Site. If we learn we have collected or received personal information from a child under 16 without verification of parental consent, we will delete that information. If you are a parent or guardian and think that we have unauthorized information about your child who is younger than 16, please contact us.

Your Data Protection Rights

You have the right to:

• Access, correct, or update your personal information by contacting us.
• Opt-out of receiving marketing communications from us by following the instructions in those communications.
• Request the deletion of your personal information, subject to certain legal obligations.
• Request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

California Residents

If you reside in California, you have the right to ask whether we have shared personal information with third parties for their direct marketing purposes. To make a request, please contact us. Please indicate in your email or letter that you are a California resident making a “California Shine the Light” inquiry.

If you are a California resident and would like to make a request under the California Consumer Privacy Act or the California Privacy Rights Act, please contact us.  Please include “California” in your email subject line and include the following information in your email: your name, California resident address, and email address.

Nevada Residents

If you are a Nevada resident and would like to make a request under Chapter 603A of the Nevada Revised Statues, please contact us. Please include “Nevada” in your email subject line and include the following information in your email: your name, Nevada resident address, and email address.

Canada Residents

If you are a Canadian resident and you would like to take advantage of any additional rights under the Personal Information Protection and Electronic Documents Act (PIPEDA) not expressly covered by this Policy, please contact us.

Cookies

Our Site uses cookie technology. A cookie is a small amount of data which often includes a unique identifier that is sent to your computer, mobile phone or other device from the Site and is stored on your device’s browser or hard drive. You may refuse to accept browser cookies by activating the appropriate setting on your browser (see “How to Manage Cookies”).  Unless you have adjusted your browser settings so that it will refuse cookies, our system will issue cookies when you direct your browser to our Site.  The information generated by cookies relates to information about your use of our Site.  It will record the number of user sessions on the Site and track the number of users who return to the Site.

How Do We Use Cookies?

We use cookies in a range of ways to improve your experience on our Site, including but not limited to:

• Keeping you signed in to the client portal, if applicable; and
• Understanding how you use our Site.

How To Manage Cookies

You can edit your browser settings to not accept cookies, and the below websites tell you how to remove cookies from your browser. However, in a few cases, some of our Site’s features may not function as a result. Blocking and deleting cookies may have a negative impact upon the usability of our Site.

• Google Chrome link to https://support.google.com/chrome/answer/95647?hl=en&ref_topic=14666
• Firefox link to https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer
• Internet Explorer link to https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies
• Safari web link to https://support.apple.com/en-ie/guide/safari/sfri11471/mac
• Safari iOS link to https://support.apple.com/en-ie/HT201265

By continuing to browse our Site, you hereby consent to our cookies policy regardless of your browser settings.

Governing Law and Jurisdiction

Any disputes concerning this Policy will be governed by and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law principles.

Amendments

We reserve the right to modify this Policy at any time.  Any changes to this Policy will be posted on the Site so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.  Your continued use of our Site after we made changes to this Policy is deemed to be acceptance of those changes, so please check this Policy periodically for updates.

This Policy was last updated July 2024.

Contact Information and Questions

We like to be proactive in dealing with any complaints or queries you may have with regard to how and why we process your information.  If you have any questions about this Policy, the data we hold or process, or you would like to exercise one of your data protection rights, please do not hesitate to contact us at:

Trove Attn: Privacy Policy Administrator

2777 Summer Street, Suite 401

Stamford, CT 06905

Phone: 866-931-3297