PRIVACY & LEGAL POLICY

Legal Disclosures

JS Financial Capital Management, Inc. dba Copia Advisors, is an Illinois Registered Investment advisor.  Copia Signorella Insurance Consultant Company is an Illinois Insurance Agency, dba Copia Advisors (Copia).

JS Financial Capital Management Inc. is an Illinois registered investment advisor. Registration does not imply a certain level of skill or expertise. This website is only intended for clients and interested investors residing in states in which the Advisor is qualified to provide investment advisory services. Please contact us at 630-495-9900 to find out if the investment advisor is qualified to provide investment advisory services in the state where you reside. The Advisor does not attempt to furnish personalized investment advice or services through this website.

 

Information contained in  marketing material should neither be construed as the provision of personalized investment advice nor as a guarantee that a certain level of results will be achieved. Click the links to obtain a copy of our disclosure document Forms ADV Part 2 Brochure, which contains important information on services, fees, investment methodology, conflicts of interest and related information, please  contact us at Copia Advisors, 700 Commerce Dr. Ste 500, Oak Brook, IL  60523.

Use of site

Your use of this site is provided on an "AS IS" and "AS AVAILABLE" basis. To the full extent permitted under applicable law, Copia expressly disclaims all warranties of any kind, whether expressed or implied INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Savant makes no warranty that:

 

This site will meet your requirements.

This site will be uninterrupted, timely, secure, or free of viruses, errors, omissions, or other harmful components.

The results that may be obtained from the use of this site will be accurate or reliable.

The quality of any information or other materials obtained by you through this site will meet your expectations.

Any errors or omissions on this site will be corrected.

The data and materials presented or displayed on this site are correct, complete, accurate, or reliable.

Any content or data downloaded or otherwise obtained through the use of this site is done at your own discretion and risk. Further, you agree that any such information will be used for non-commercial, personal use only, and that you will retain all copyright and other proprietary notices contained on the materials. You may not use, distribute, modify, transmit, or post any content for public or commercial purposes. You will be solely responsible for any damage to your computer system or loss of data that results from the download of any such content.

 

Links to material on other sites

Copia is not responsible for the collection, use or security of information by companies or organizations outside of Copia that may be linked to our websites. Links to non-Copia sites are provided for convenience only and are accessed at your own risk. The information available on these sites has been produced by unaffiliated third parties and Savant does not guarantee its timeliness, sequence, accuracy, adequacy or completeness and make no warranties with respect to results to be obtained from its use. Any opinions or recommendations expressed therein are solely those of the third party information providers and are not the opinions or recommendations of Copia. No endorsement of third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked from or to this website. Under no circumstances should the information be construed as an offer to sell or solicitation of an offer to buy a particular security. Consumers are encouraged to read the privacy policies of websites reached through the use of links from the Copia website.

 

 

The Securities and Exchange Commission (SEC) was required by the Gramm-Leach-Bliley Act to establish standards to safeguard client information and records. As a result, the SEC adopted Regulation S-P, which among other things, requires investment advisors registered with the SEC to adopt appropriate policies and procedures that address safeguards to protect this information and to disclose its privacy policies to clients. JS Financial Capital Management, Inc.  (“Copia”) has always taken great measures to protect and safeguard information we gather on our clients. As a financial company, we can choose if or how we share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

 

Types of Information Collected

We collect nonpublic personal information about you from the following sources:

 

Information we receive from you on applications or other forms, such as your name, address, phone number, Social Security Number, date of birth, account numbers, tax documents, income, employment and residential information, cash balances, security balances, other investments, investment objectives, goals, and risk tolerance, net worth; and

Information about your transactions with us or with your custodian(s), such as buys, sells, gains, losses, fees, and/or holdings. Such information may be obtained from paper statements or via electronic download directly from your custodian.

Copia's web servers collect domain names and/or IP addresses of users to measure what pages and features are accessed by our visitors. This information helps us administer the site, improve content and gather broad demographic information for aggregate use.

 

Copia may use “cookies” or similar files or scripts throughout its website to enhance your convenience in using our websites, to improve search functionality or to hold information that you would otherwise need to re-key. “Cookies” are text files collected by a user's web browser. If you do not wish to accept “cookies” from our website, you may configure your web browser so that it does not accept “cookies”; however, you may lose certain functions available on our website.

 

Affiliations

JS Financial Capital Management, Inc. dba Copia Advisors, is an Illinois Registered Investment advisor.  Copia Signorella Insurance Consultant Company is an Illinois Insurance Agency, dba Copia Advisors.  As an Insurance agency we may receive ordinary commissions from the sale of insurance products during the financial planning process.  Client assets are held/ custodian at discount broker such as Scottrade, E-Trade, or other comparable brokers.

 

Use of Personal Information

We do not sell your personal information to anyone. We do not share your information for joint marketing with other financial companies or share information about your transactions and experiences or information about your creditworthiness for our affiliates’ everyday business purposes. We do not share your information so our affiliates or non-affiliates can market to you.

 

We do not disclose or share nonpublic personal information about you to third parties, unless one of the following limited exceptions applies or you have specifically asked us to do so:

 

We disclose personal information to companies that help us process or service your transactions or account(s) (such as Fidelity, TD Ameritrade, Schwab Institutional, Scottrade, or others, as applicable).

We may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities.

Copia restricts access to your personal and account information to those employees who need to know that information in order to provide services to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.

 

Emergency Contact

From time to time due to unforeseen circumstances relating to the physical or mental health of a client, the best financial interests of the client may be served if Copia is able to communicate regarding the client with another individual. If the client has provided Savant with a properly executed copy of the client’s power of attorney, Copia may contact the client’s attorney-in-fact, if Copia reasonably believes doing so is in the best interest of the client. If the client has provided Copia with a properly executed copy of a Client Advocate Designation, Copia may communicate with the Client Advocate. If the client’s attorney-in-fact or Client Advocate is unavailable, Copia may communicate with a responsible family member Copia reasonably believes is an appropriate person with whom to communicate under the circumstances.

 

Sharing Practices Notification

We must provide you with a copy of this statement which details our sharing practices when you initially open an account and each year while you are a customer.

 

Changes to Privacy Policy

In the future, Copia may offer new and different programs that necessitate a change in this Policy. Copia reserves the right to change its privacy policy at any time without prior notice. Any changes to the privacy policy will be posted on our website at www.CopiaAdvisors.com under the Privacy section and will be effective immediately upon posting.

 

Governing Law and Jurisdiction

This Policy, and Copia's collection and use of customer information, shall be governed and interpreted in accordance with the laws of the United States and the State of Illinois. Any disputes arising out of this Policy shall be adjudicated in a court of competent jurisdiction in the Eastern District of the State of Illinois.

 

Phishing Scams

Copia does not send emails to customers requesting billing, login or password information. If you receive an email purporting to be from Copia that asks you to provide personal or account information, or login and passwords, do not provide such information unless you have first verified that the website or email is from Copai. Such emails may be fraudulent and used in connection with scams known as phishing. Copia asks that you report any suspicious emails or websites.

 

Disposal of Information

Copia has taken steps to reasonably ensure that the privacy of your nonpublic personal information is maintained at all times, including in connection with the disposal of information that is no longer required to be maintained. Such steps shall include whenever possible, shredding paper documents and records prior to disposal, requiring off-site storage vendors to shred documents maintained in such locations prior to disposal, and erasing and/or obliterating any data contained on electronic media in such a manner that the information can no longer be read or reconstructed.

 

Right to Limit Sharing

Federal law gives you the right to limit sharing only for:

 

affiliates’ everyday business purposes—information about your creditworthiness (we do not share)

affiliates to market to you (we do not share)

non-affiliates to market to you (we do not share)

State laws and individual companies may give you additional rights to limit sharing.

 

Contact and Modifying Personal Information

If you should ever decide to close your account(s) or become an inactive client, we will continue to adhere to the privacy policies and practices as described in this notice.

Should you have any questions about the privacy and protection of your records, please contact us and we will be happy to discuss this matter with you.

 

You may request copies of or have Copia make changes or corrections to personal information in Copia's possession by contacting Copia.

 

You may opt out of receiving further communications from us or others through any of the following method:

 

Send a request by mail to: Copia Advisors, 700 Commerce Dr Ste 500, Oak Brook, IL 60523.

Call: 630.495.9900

Please note that you cannot opt out of receiving any notifications or disclosures that we are required by Federal or State law to provide to you.

 

Definitions

Everyday Business Purposes

The actions necessary by financial companies to run their business and manage customer accounts, such as providing investment advisory and financial planning advice, processing securities transactions, and otherwise providing financial services to you.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

Non-Affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

700 Commerce Drive

Suite 500

Oak Brook, IL 60523

Tel (630) 495-9900

Fax (866) 780-2175