Investment advisory services offered through Bay Colony Advisory Group, Inc. dba Bay Colony Advisors, a registered investment adviser. Bay Colony Advisors (BCA) investment advice is given only within the context of its contractual agreements with each client. BCA’s investment advice may only be rendered after the delivery of its Form ADV Part 2 and the execution of an agreement by the client or investor. BCA’s Form ADV Part 2 describes BCA’s business operations, services and fees and is available upon request. The firms principal office: 86 Baker Avenue Extension Suite 310 Concord, Massachusetts 01742 Phone 978-369-7200. Custody services are offered by Fidelity Brokerage Services LLC, Member NYSE/SIPC. Fidelity has not created, supplied, licensed, endorsed, or otherwise sanctioned any content on the Bay Colony Advisors website.
IMPORTANT CONSUMER INFORMATION An investment adviser (IA), or IA representative may only transact business in a state if first registered, or is excluded or exempt from state investment adviser or IA registration requirements, as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion.
Opinions expressed herein are solely those of Bay Colony Advisors, and our editorial staff. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.
Our Commitment to You
Our relationship with you is our most important asset. We understand that you have entrusted us with your private information, and we do everything that we can to maintain that trust. BCA (also referred to as "we", "our" and "us”) protects the security and confidentiality of the personal information we have and implements controls to ensure that such information is used for proper business purposes in connection with the management or servicing of our relationship with you.
BCA does not sell your non-public personal information to anyone. Nor do we provide such information to others except for discrete and reasonable business purposes in connection with the servicing and management of our relationship with you, as discussed below.
Details of our approach to privacy and how your personal non-public information is collected and used are set forth in this Policy.
Why you need to know?
Registered Investment Advisors (“RIAs”) must share some of your personal information in the course of servicing your account. Federal and State laws give you the right to limit some of this sharing and require RIAs to disclose how we collect, share, and protect your personal information.
What information do we collect from you?
Social security or taxpayer identification number
Assets and liabilities
Name, address and phone number(s)
Income and expenses
Account information (including other institutions)
Investment experience and goals
What Information do we collect from other sources?
Custody, brokerage and advisory agreements
Account applications and forms
Other advisory agreements and legal documents
Investment questionnaires and suitability documents
Transactional information with us or others
Other information needed to service account
How do we protect your information?
To safeguard your personal information from unauthorized access and use we maintain physical, procedural and electronic security measures. These include such safeguards as secure passwords, encrypted file storage and a secure office environment. Our technology vendors provide security and access control over personal information and have policies over the transmission of data. Our associates are trained on their responsibilities to protect Client’s personal information.
We require third parties that assist in providing our services to you to protect the personal information they receive from us.
How do we share your information?
An RIA shares Client personal information to effectively implement its services. In the section below, we list some reasons we may share your personal information.
Basis For Sharing
Do we share?
Can you limit?
Servicing our Clients
We may share non-public personal information with non-affiliated third parties (such as administrators, brokers, custodians, regulators, credit agencies, other financial institutions) as necessary for us to provide agreed upon services to you, consistent with applicable law, including but not limited to: processing transactions; general account maintenance; responding to regulators or legal investigations; and credit reporting.
BCA does not disclose, and does not intend to disclose, personal information with non-afffiliated third parties to offer you services. Certain laws may give us the right to share your personal information with financial institutions where you are a customer and where BCA or the client has a formal agreement with the financial institution. We will only share information for purposes of servicing your accounts, not for marketing purposes.
Your non-public personal information may be disclosed to you and persons that we believe to be your authorized agent(s) or representative(s).
Information About Former Clients
BCA does not disclose and does not intend to disclose, non-public personal information to non-affiliated third parties with respect to persons who are no longer our Clients.
In response to a California law, to be conservative, we assume accounts with California addresses do not want us to disclose personal information about you to non-affiliated third parties except as permitted by California law. We also limit the sharing of personal information about you with our affiliates to ensure compliance with California privacy laws.
In response to a Massachusetts law, clients must “opt-in” to share non-public personal information with non-affiliated third parties before any personal information is disclosed. We may disclose non-public personal information to other financial institutions with whom we have joint business arrangements for proper business purposes in connection with the management or servicing of your account.
We will send you a copy of this Policy annually for as long as you maintain an ongoing relationship with us.