1. Information We Collect
We collect Non-Public Personal Information (NPI) necessary to provide our services, manage assets, and fulfill regulatory obligations. This information may include:
Identifiers and Contact Information: Name, address, phone number, email address, date of birth, Social Security Number or other tax ID.
Financial and Investment Information: Account balances, transaction history, investment goals, net worth, income, assets, and details related to our various ventures (e.g., energy contracts, real estate holdings, wine inventories).
Family Information: Details on beneficiaries, family structure, trusts, and estate planning documents.
Transactional Information: Details about your transactions with our subsidiaries or affiliates (e.g., Change Energy, real estate management entities).
2. How We Collect Information
We collect information from the following sources:
Information we receive directly from you on applications, forms, correspondence, or verbal communications.
Information about your transactions with us, our affiliates, or non-affiliated third parties.
Information we receive from third parties, such as custodians, banks, legal counsel, accountants, and other professional advisors.
3. How We Use Your Information
We use your information for the following business purposes:
To provide and administer the services and investments you request.
To manage our subsidiaries and ventures (Energy, Wine, Real Estate Management, etc.).
To perform internal business operations, including M&A due diligence, audits, and risk management.
To comply with all applicable legal, regulatory, and reporting requirements.
To communicate with you regarding your accounts, transactions, and our services.
4. Disclosure of Information to Third Parties and Affiliates
We do not sell your Non-Public Personal Information to anyone.
We only disclose your NPI to third parties or affiliates as necessary and permitted by law, including in the following circumstances:
To Affiliates and Subsidiaries: We may share information internally among the Moreira Family Office Inc. entities (including our Energy, Wine, and Real Estate groups) to efficiently service your accounts, conduct joint operations, and offer comprehensive services.
To Non-Affiliated Service Providers: We share information with service providers who perform services for us (e.g., custodians, broker-dealers, accountants, attorneys, technology providers) under strict confidentiality agreements.
For Legal and Regulatory Purposes: We may disclose information as required by subpoena, court order, regulatory authorities, or to prevent fraud and protect the security of our records.
With Your Consent: We will disclose information when you specifically request or authorize the disclosure.
5. Confidentiality and Security Measures
We restrict access to NPI to those employees, officers, and agents of the Moreira Family Office Inc. who need the information to service your account or manage our business. We maintain physical, electronic, and procedural safeguards that comply with federal and state regulations to protect your information from unauthorized access, disclosure, or misuse. Our staff is trained on the importance of confidentiality and privacy.
6. Changes to This Privacy Policy
We may modify this Privacy Policy from time to time. We will notify you of any material changes and provide you with the updated policy as required by law.