Privacy Policy

How and when we use your information.



As a financial institution, Meridian Trust & Investment Company (“Meridian”) must collect and share certain personal information from you in order to provide our services.  We respect the financial privacy of our clients, and maintain high standards to protect each client's private information.  Under federal law, you have the right to limit some, but not all, sharing of your personal information.  Federal law also requires us to tell you how we collect, share, and protect your personal information. We handle and maintain your information only as described below.  Please read this Privacy Policy carefully to understand what we do.


Why we collect your information. Meridian needs to collect and, in limited circumstances, share your personal information in order to run its everyday business of serving you.  Specifically, we collect client information in order:


• to accurately identify you,

• to protect and administer your records, accounts and funds,

• to understand your financial needs,

• to allow you to conveniently apply for new services, and

• to comply with certain laws and regulations.


What we collect and share.

The types of information we collect and share depends on the service you obtain from us. This information can include:


• Your name, date of birth, telephone number, and address.

• Relevant identification numbers (such as a social security number, passport number, and/or tax identification number).

• Information about our transactions with you, including account information, investment goals, and other financial information.

• Information about your transactions with authorized non-affiliated third parties, such as brokers and custodians, including your account information with those brokers or custodians.


How we selectively share your information.

In the course of providing our everyday services to our clients, we disclose clients' personal information listed above in limited instances, which include:


• Disclosures to financial service providers, such as personal and account information to authorized brokers and custodians.

• Disclosures to third party non-financial service providers, such as personal information and account information to cloud-hosted financial planning and customer relations management software providers.

• Other limited disclosures as permitted by law, such as required reports to government entities.


Limitations on sharing your information.

Under federal law, you may limit the way a financial institution shares your information for creditworthiness purposes with affiliates, for its affiliates' marketing purposes, or for marketing purposes with nonaffiliated third parties.  Meridian, however, already does not do these things.  If we change our practices regarding collecting or sharing your personal information, we will provide you with notice as required by law and the opportunity to opt-out.  By contracting for and/or continuing to use Meridian’s services, you consent to Meridian’s collection and maintenance of your personal information as described in this Policy.


How we protect your personal information.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law.  These measures include technological and procedural safeguards, including secured files and secured buildings.  We limit employee access to only those employees with a business reason for accessing such information, and we train our employees about the importance of keeping client information private.


Former Clients.

If you end your relationship with Meridian, we will adhere to the information policies and practices described in this Policy.


Other important information.

While this Policy does not apply to trusts for which we serve as trustee, employee benefit plans for which we provide fiduciary or other services, or business accounts, our trust, employee benefit plan and business clients' information is also very important to us. We also respect the privacy of our business clients, and will also take steps necessary to protect their information. We separately follow all of our policies and procedures to meet our fiduciary obligations to all our clients. For more information, please call 1-865-342-4400, or go to our website at


Important Information You Need to Know About Opening a New Account

Customer Identification Program Notice. To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. This Notice answers some questions about Meridian Trust & Investment Company’s Customer Identification Program.


What types of information will I need to provide?

When you open an account, Meridian is required to collect information such as the following from you:


• your name,

• date of birth,

• address, and

• identification number (for U.S. citizens: taxpayer identification number (social security identification number or employer identification number; for non-U.S. Citizens: taxpayer identification number, passport identification number, and country of issuance, alien identification card number, or government-issued identification showing nationality, residence, and a photograph of you.


You may also need to show your driver’s license or other identifying documents.

In compliance with the FinCEN Customer Due Diligence Rule, legal entities must disclose the name, address, date of birth, Social Security number and/or other identifying number of individuals who have a beneficial ownership of 25% or more of the legal entity, or who have significant responsibility for managing the legal entity.  A legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, certified articles of incorporation, government-issued business license, a partnership agreement, or a trust agreement.


U.S. Department of the Treasury, Securities and Exchange Commission, NASD, and New York Stock Exchange rules already require you to provide most of this information. These rules also may require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience and objectives, and risk tolerance.


What happens if I don’t provide the information requested or my identity can’t be verified?

Meridian may not be able to open an account or carry out transactions for you. If Meridian has already opened an account for you, we may have to close it.

We thank you for your patience and hope that you will support the financial industry’s efforts to deny terrorists and money launderers access to America’s financial system.


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