Internet Privacy Policy

New Covenant Trust Company, N.A. (“NCTC”), a wholly owned subsidiary of the Presbyterian Church (USA) Foundation (“Foundation”), abides by the Foundation’s policies and procedures in place to protect your personal and financial information on the Internet.
E-mail and e-mail addresses

We collect your e-mail address when you provide it to us. Unless you send us your email address, we don’t collect it. If you do give it to us, NCTC will never provide that address to anyone other than our affiliates or service providers. We will only use your address to communicate with you regarding the servicing of your accounts or to make you aware of products and services that may be of interest to you.

When you send NCTC an e-mail, we may retain your message and our response for quality assurance purposes. It is important to remember that regular (non-encrypted) e-mail is not secure.

Planning Tools and Calculators
Information that you input on the web site while using any of our planning tools and calculators is not captured, stored or used in any way other than to provide you with the information you're looking for at the time you use the tool or calculator. These calculators were built only for the purpose of helping you.

Children's Information
We recognize the importance of protecting the privacy of children online, and we comply with the requirements of the Children's Online Privacy Protection Act that are applicable to us. We do not knowingly collect personal information from consumers under the age of thirteen.

"Cookies"
In some instances, NCTC may use Internet "cookies" to help us establish your identity when you visit our web site. A "cookie" is a small text file placed on your hard drive by our web page server. This technology is only used to improve your experience on our web site. We do not use cookies to get data from your hard drive or to get your email address or any other personal information.

Working with Other Companies
From time to time, NCTC may establish a relationship with other partners on the Internet to provide you with additional value and new products we may not offer ourselves. In these circumstances, we will treat information you provide us in the manner described herein. NCTC may offer access to other sites through the use of hyperlinks. In some cases, the other site will also collect information from you. Please review the privacy policies of these third parties prior to providing any information to them when you link to their web site.

AN IMPORTANT NOTICE CONCERNING YOUR PRIVACY

We are required by federal law to provide you with a copy of our Privacy Notice annually.

The following Notice applies to current and former individual clients of the New Covenant Trust Company, N.A. and the NCF Investment Department of New Covenant Trust Company, N.A.

This Notice is not applicable to partnerships, corporations, trusts or other non-individual clients or account holders. Nor is this Notice applicable to individuals who are either beneficiaries of a trust for which we serve as trustee or participants in an employee benefit plan administered or advised by us. This Notice is, however, applicable to individuals who select us to be a custodian of securities or assets in individual retirement accounts, 401(k) accounts, accounts subject to the Uniform Gifts to Minors Act, or similar accounts.

Please note that we may amend this Notice at any time and will inform you of any changes to this Notice as required by law.

WE RESPECT YOUR PRIVACY

We appreciate that you have provided us with your personal financial information. We strive to maintain the privacy of such information while we help you achieve your financial objectives. This Notice describes what non-public personal information we collect about you, why we collect it, and when we may share it with others, including entities affiliated with us, such as the Presbyterian Foundation and other related charitable organizations (collectively "our affiliated companies"), and those not affiliated with us. We hope this Notice will enable you to understand how we collect and share non-public personal information that we gather about you. Throughout this Notice, we refer to the non-public information that personally identifies you or your accounts as "personal information."

1. WHAT PERSONAL INFORMATION DO WE COLLECT ABOUT YOU?
To serve you better and manage our business, it is important that we collect and maintain accurate information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us, from consumer reporting agencies, from our Web sites and from third parties and other sources.
For example:

  • We collect information such as your name, address, e-mail address, telephone/fax numbers, assets, income and investment objectives through applications and other forms you submit to us.

  • We may obtain information about account balances, your use of account(s) and the types of products and services you prefer to receive from us through your dealings and transactions with us and other sources.
  • We may obtain information about you from consumer reporting agencies.
  • We may collect background information from and through third-party vendors to confirm information you provide and to comply with various regulatory requirements.

2. WHEN DO WE DISCLOSE PERSONAL INFORMATION WE COLLECT ABOUT YOU?

To provide you with the products and services you request, to serve you better and to manage our business, we may disclose personal information we collect about you to our affiliated companies and to non-affiliated third parties as required or permitted by law.

a. Information we disclose to our affiliated companies

In order to manage your account(s) effectively, including servicing and processing your transactions, to let you know about products and services offered by us and our affiliated companies, and as otherwise required or permitted by law, we may disclose personal information to our affiliated companies. Offers for products and services from our affiliated companies are developed under conditions designed to safeguard your personal information.

b. Information we disclose to third parties

We do not disclose personal information that we collect about you to non-affiliated third parties except to enable them to provide services on our behalf, to perform certain joint marketing and servicing agreements with other financial institutions, or as otherwise required or permitted by law. For example, some instances where we may disclose information about you to non-affiliated third parties include: for servicing and processing transactions, to offer our own products and services, to protect against fraud, for institutional risk control, to respond to judicial process or to perform services on our behalf. When we share personal information with these companies, they are required to limit their use of personal information to the particular purpose for which it was shared and they are not allowed to share personal information with others except to fulfill that limited purpose.

3. HOW DO WE PROTECT THE SECURITY AND CONFIDENTIALITY OF PERSONAL INFORMATION WE COLLECT ABOUT YOU?

We maintain physical, electronic and procedural security measures to help safeguard the personal information we collect about you. We have internal policies governing the proper handling of client information. Third parties that provide support or marketing services on our behalf may also receive personal information, and we require them to adhere to confidentiality standards with respect to such information.

4. HOW CAN YOU LIMIT THE SHARING OF CERTAIN TYPES OF PERSONAL INFORMATION WITH OUR AFFILIATED COMPANIES?

We respect your privacy and offer you choices as to whether we share with our affiliated companies personal information that we collected to determine your eligibility for products and services you request ("eligibility information"). Please note that, even if you direct us not to share eligibility information with our affiliated companies ("eligibility opt out"), we may still share personal information, including eligibility information, with those companies in circumstances excluded from the opt out under applicable law, such as to process transactions or to service your account. We may also share certain other types of personal information with our affiliated companies such as your name, address, telephone number, e-mail address and account number(s), and information about your transactions and experiences with us. If you wish to opt out, you may do so by:

  •  Calling us at 800-858-6127
  • Writing to us at the following address: 200 East Twelfth Street Jeffersonville, IN 47130

Additionally, independent of your right to direct us not to share your eligibility information with our affiliated companies, you may limit our affiliates from marketing ("marketing opt out") their products or services to you based on eligibility information that we share with them. This limitation does not apply in certain circumstances, such as if you currently do business with one of our affiliates or if you ask to receive information or offers from them. If you wish to limit such marketing offers, you may do so by:

  •  Calling us at 800-858-6127
  • Writing to us at the following address: 200 East Twelfth Street Jeffersonville, IN 47130

If you choose to write to us for either eligibility opt out or marketing opt out, your written request should include your name, address, telephone number and account number(s) to which the opt out applies and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you directly and not through a third party. If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your opt-out preference will remain in effect with respect to this Policy (as it may be amended) until you notify us otherwise in writing. If you have a joint account, your direction for us not to share this information with our affiliated companies will be applied to all account holders on that account.

5. IMPORTANT INFORMATION FOR RESIDENTS OF CALIFORNIA AND VERMONT

If you are a resident of Vermont, you are automatically considered to have opted out of sharing with our affiliated companies. Additionally, if you are a resident of Vermont, we will only share your personal information pursuant to a joint marketing agreement as allowed by applicable law. If you are a California resident, you have additional rights to limit how we use your personal information. Please refer to the document entitled "Important Privacy Choices for Consumers."