We collect nonpublic personal information about you from the following sources:
We may disclose all of the information we collect, as described above, to nonaffiliated third parties that perform services on our behalf for your accounts. Spiritus Financial Planning, Inc. restricts access to your personal and account information to employees who need to know that information to provide services to you. We maintain physical, electronic and procedural safeguards to guard your nonpublic personal information. If you decide to close your account(s) or become an inactive customer, we will adhere to the privacy policies and practices as described in this notice.