Privacy Policy


Privacy Policy


Protecting our clients' privacy is important to us. The purpose of this Privacy Policy is to describe to you our privacy policies and practices, the information we collect about you and how we use it. This Privacy Policy is an overview of our privacy policies and procedures and applies to current and former clients.


Information We Collect

We collect, retain and use nonpublic personal information about you in order to conduct business, comply with laws and regulations and understand your financial needs so that we can service you as well as we can. This data is collected from several sources, including information we receive: a)from you in writing, in person, by telephone and electronically, b) in applications or in other forms, c) from credit reporting companies such as credit reports, d) through our website, online services and through the Internet, or, e) through our customer and prospective customer background checks.


This data may include: a) your name, address and phone number, b) information about your assets, income and debts, c) information about your transactions with us, our affiliates, and non-affiliated third parties, which may consist of information about account balances and counterparties to transactions, or d) information contained in a credit report or other information provided by a credit reporting agency.


Electronic Communications Protocols and Cookies

In addition to the information specified above, BFO may collect information about your use of the Web sites through electronic communications protocols and cookies. As is true when you visit most Web sites, BFO may automatically receive information from you as part of the communication connection itself, which often consists of network routing information (where you came from), equipment information (browser type), your IP address, and date and time. BFO also uses cookies, embedded URLs and embedded pixels to capture additional information.



BFO's server will query your browser to see if there are "cookies" previously set by the BFO Web sites. A cookie is a small piece of information sent by a Web server to store on a Web browser so it can later be read back from that browser. Cookies on the Web sites may collect a unique identifier, user preferences and profile information and membership information. BFO also uses cookies to collect general usage and volume statistical information that does not include personally identifiable information. Some cookies may remain on the user's computer after they leave the Web site.


Third Party Cookies

BFO has engaged one or more third party service providers to track and analyze usage and volume statistical information from visitors to the Web site. The service provider(s) set cookies on behalf of BFO.

BFO also uses other third party cookies to track the performance of BFO advertisements on their Web sites.

BFO may re-associate the information provided by the technologies directly above with personal information.


Information We Disclose

We do not sell any nonpublic personal information that we collect about you. We do not disclose any nonpublic personal information about our current or former clients to anyone, except as permitted by contract or law and subject to confidentiality obligations that apply in certain jurisdictions. With respect to transacting in certain jurisdictions, we may be required by contract or law to disclose certain personal or trading information.


Confidentiality and Security of Information

The information we collect from you is used by employees who need to know the information to provide services to you. Our employees are governed by a Code of Ethics and are reminded of their obligations about keeping client information confidential through training, operating procedures, and BFO's Privacy Policy. We also maintain physical, electronic, and procedural safeguards to protect this information.


We reserve the right to change this Privacy Policy at any time.