In Perspectives

It seems like every time you turn on the TV, listen to the news or open an email…..lurking in the shadows is yet another way to have your identity stolen or become the next victim of a scam.  So I’m here to remind you quickly and simply of some ways to protect yourself.

  • Protect your Social Security number, credit card number(s), account passwords, ATM pins and other personal information.  Only divulge these items to someone you know and trust.
  • Limit the amount of information you carry on your person.  Only carry the credit card(s), checks, ATM card(s) that you will need.  Don’t carry your social security card, only put basic information on your pre-printed checks (no phone number, driver’s license number, social security number, etc.)
  • Protect your mail.  Remove mail from your box as quickly as possible.  Use a blue Postal Service collection box versus your mailbox for outgoing mail that contains sensitive information.
  • Keep extra checks, credit card(s), bank statements, social security card, etc., someplace safe and out of sight in your home.  When throwing out items that contain sensitive information use a shredder or tear into small pieces.
  • Pay attention to account statements and credit card bills.  If anything unusual appears, contact your financial institution IMMEDIATELY.
  • Obtain and review your credit report annually.  Make certain that it is accurate.  Question anything that does not make sense.
  • NEVER use electronics to transmit sensitive data via public Wi-Fi.  This means no banking, paying bills or shopping while connected via public Wi-Fi.

The Federal Trade Commission has a website dedicated to walking you through the steps of “what to do” should you find yourself a victim of identity theft.

Finally, there are so many scams around and they change very quickly.  To check out the latest scam trends – or – to report a scam if you’re a victim, contact the Better Business Bureau at

Legacy Trust and Your Right to Financial Privacy

At Legacy Trust we have established policies and practices that respect the financial privacy of all individuals who use our trust company. We believe it is critical to comply with the laws and regulations designed to secure your financial privacy. Your relationship with us as our client is very important to us, and we want you to understand our policies and practices about handling your information.

This Policy applies to you – This Policy applies to our relationships with individual clients who inquire about or obtain products or services from us for personal, family and household purposes.

Strict security measures – We take the security of information very seriously. We have established security standards and procedures to prevent access to client information. We maintain physical, electronic and procedural safeguards to guard client information.

Limited employee access – We have established procedures to limit employee access to information to only those employees with a business reason for accessing such information. We educate our employees about the importance of confidentiality and client privacy. We take appropriate disciplinary measures to enforce employee responsibilities regarding client information.

Why we collect information – We collect information about you to:

  • accurately identify you;
  • protect and administer your records, accounts and funds;
  • help us design or improve our products and services;
  • understand your financial needs;
  • save you time when you apply for new products and services; offer you quality products and services; and comply with certain laws and regulations;

We collect information – We collect and maintain your personal information so that we can provide investment management and other services to you. The types and categories of information that we collect and maintain about you include:

  • Information we receive from you to open an account or provide investment advice or other services to you (such as your home address, social security number, telephone, financial information and investment objectives).
  • Information that we generate to service your account or from our transactions with you (such as account statements and other financial information).
  • Information on your transactions with nonaffiliated third parties.

We have established procedures so that the financial information we collect is accurate, current and complete. We are committed to work with you to promptly correct any inaccurate information.

Our selective sharing of information – In order for us to provide investment management and other services to you, we do disclose your personal information in very limited instances, which include:

  • Disclosures to nonaffiliated companies as permitted by law, including those who help us service your account (such as providing account information to brokers and custodians).
  • Other limited disclosures as permitted by law, for example, required reports to government entities.

We do not share your information with third parties for marketing purposes. We do not sell your information.

Former clients – If you end your relationship with us, we will continue to adhere to the privacy policies and practices described in this notice.


Important Information About Procedures For Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

We apologize for any inconvenience this may cause; however, federal law prohibits us from waiving these requirements.

You are leaving the Legacy Trust website

Legacy Trust makes no representation concerning nor is it responsible for the quality, content, nature, or security of any hyperlinked site. This link is provided as a convenience and does not imply any investigation or endorsement of the site.


Do not send sensitive information over email. If you need to communicate sensitive information, please call us at 616.454.2852


The views expressed on Linkedin do not necessarily reflect the views of Legacy Trust