Privacy Statement

Law firms providing financial services, such as estate and tax planning, to individuals are now required by federal law to inform their clients of their policies regarding privacy of client information. We have always safeguarded the confidentiality of information provided to us by our clients and are bound by our professional standards to continue to maintain this vital aspect of our professional relationship.

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1.Acquisition of Client Information

M & N Accounting collects nonpublic personal information about our clients from the following sources: Information You Provide: Our client engagements routinely require us to obtain private information about our clients so that we can proceed with the various services we perform for our clients as part of the professional relationship. Other Sources: Depending upon the particular service a client has engaged us to complete, we may request nonpublic information. However, this information is never obtained without our client’s specific authorization for the type of information and the source(s) from which it may be obtained.

2. Disclosure of Nonpublic Information

Our firm policy is never to disclose nonpublic information about our clients. Nonpublic personal information is defined in the regulations as any publicly available information that we acquire by using information you have provided us in connection with any professional services we perform for you, which is not public information. An example would be a bank account number, employer ID, or any financial information undisclosed to the public. Generally, any information that a client provides us that involves financial product or service is likely considered nonpublic personal information and receives the same protection from disclosure as all other information about our clients. For purposes of our business relationships with our clients, all information acquired is disclosed only under the following conditions:

Employees of the firm

Employees who need such information to conclude a transaction for
which the client has engaged M and N Accounting.

Employees

As with any business, we have our own accounting and bookkeeping, insurance and other service firms that we may need to provide information that is considered nonpublic personal information. An example might be your account activity for our financial statements, which might be for internal or external purposes. Another example would be computer consultants that must have access to certain client records so as to be able to increase the efficiency of our computer processing systems. We have always insisted that any such information that needed to be disclosed for a business purpose be considered confidential and not used for any purpose other than the specific business need. That well-understood business policy of confidentiality will be reinforced as needed by contractual agreements between such service providers to the firm, referencing the Federal Trade Commission (FTC) regulations.

Others

Other than as stated above, we do not disclose nonpublic personal information, or any other information, to any outside party without specific client authorization. An example would be other professionals who are assisting the firm in carrying out a client engagement. In such a case, we would require the client’s approval for such a disclosure. In addition to the privacy protection that the new FTC regulations provide you, the Internal Revenue Code prevents the disclosure of client information provided for tax planning or preparation services without the client’s written permission. Further, the ethics rules that govern the operation principles that our firm must follow prohibit disclosing client information.

3.Security Arrangements

We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard our clients’ nonpublic personal information and any other information, to ensure our clients that their privacy is a major part of M & N Accounting’s commitment to provide the finest service possible.

4. Opt Out Provision

The Federal Trade Commission regulations provide that this notice must include a provision for you to request that the firm not release your nonpublic personal information. While such a request is unnecessary, because the firm does not disclose your nonpublic personal information in a manner that would allow you to opt out, in the interests of satisfying regulations, we include this Opt Out Provision.