On our privacy notice (we use the one from Reg. P), it says we do share for “joint marketing with other financial companies”. Joint Marketing is defined as “a formal agreement between nonafilliated financial companies that together market financial products or services to you”. If we begin offering NDIPs through a third party with a registered representative onsite, does this mean we can give them access to our customer information without sending new privacy notices and giving them the opportunity to opt out? I guess I am not sure what would constitute a “financial company”…..