OUR COMMITMENT TO PRIVACY:                                                                              Effective Date: 2-14-05

Joseph S. Sturniolo and Assoc., Inc Privacy Statement

By recent Federal Law, the Gramm-Leach-Bliley act, and federal and state regulations under it, have established new privacy standards for the financial services industry. This Act was established to protect your personal and private information.

We at Joseph S. Sturniolo & Associates, inc. are committed to your financial well being and protect the privacy and security of the information you share with us. You trust us with your personal and financial information and we honor that trust by using your information carefully and sensibly. This notice will help you to understand how we safeguard your information.

How we use the information you provide to us:
We collect personal information to open your account(s) and to accurately reflect your objectives and risk tolerance. We may ask for name, address, phone number, email addresses, fax number, Social Security number, investment experience, bank references, income history, and other pertinent information.

Once we open an account for you, we gather information about account balances and account activity to maintain accurate records and to help us provide efficient customer service. We collect and maintain personal information about transactions, balances, positions and history to better serve you.

We do not outsource our reporting services, however, you may receive statements from other entities where your assets are held. Those entities have received new account information about you so that they may accurately comply with their regulators and internal policies.

We may share the personal information we collect with the following entities:
Unaffiliated service providers (such as securities clearing houses)
Government agencies and law enforcement officials (such as IRA or court orders)
Other organizations as permitted by the laws that protect your privacy (such as fraud prevention)

We do not sell your personal information to anyone.

On an ongoing basis we update our records as your personal circumstances change. If you identify an inaccuracy in your personal information, or you need to make a change to that information, please contact us so that we may promptly update our records.
If at any time in the future it is necessary to disclose any of your personal information in a way that is inconsistent with this policy, we will give you advance notice so you will have the opportunity to opt out of such disclosure.

This website contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware when they leave our site and read the privacy statements of any other site that collects personally identifiable information.

If you have further questions, please feel free to call us at 303-695-4363.

Thank you.