Privacy Policy
Online Privacy Policy for www.financiallit.org
This document sets forth the IFL Online Privacy Policy (the "Privacy
Policy") for this web site, www.financiallit.org (the "Site").
If you have objections to the Privacy Policy, you should not access or
use this Site. This Privacy Policy does not govern privacy practices associated
with offline activities or other IFL web sites.
Changes in Privacy Policy
All "personal information" ("personal
information" is defined as any information that identifies or can
be used to identify, contact, or locate the person to whom such information
pertains) that we collect and maintain will be subject to the version of
the Privacy Policy in effect at the time of such collection. IFL reserves
the right to change the Privacy Policy from time to time at its sole discretion,
and will provide notice of material changes on the home page of the Site.
If as the result of such changes, you want to alter the ways in which IFL
is allowed to use your personal information, you can do so by following
the procedure described below in the section titled "Updating your
personal information and privacy preferences." You will be deemed
to have been made aware of, and will be subject to, the changes to the
Privacy Policy by your continued use of the Site after such notice has
been posted for thirty (30) days with the following exception: If at the
time you provide personal information to IFL you are given the opportunity
(as you currently are) to limit how such information will be used to communicate
with you, either by IFL or by third parties, IFL will not change your preference
in this regard without your express consent. However, if IFL sells assets
(or the assets of a division or subsidiary) to another entity, or IFL (or
a division or subsidiary) is acquired by, or merged with, another entity,
IFL may provide to such entity customer information that is related to
that part of our business that was sold to or merged with the other entity
without your consent.
Entities Collecting Personal Information
Personal information on
this Site is collected by Institute for Financial Literacy, Inc. The IFL's
address is P.O. Box 1842, Portland, ME 04014 and its telephone number is
(207) 879-0389.
The Site may contain links to other sites at which personal information
is collected. In such instances, unless expressly provided to the contrary,
the collection and use of your personal information will be governed by
the privacy policy applicable to that site. That privacy policy should
identify the entity that is collecting your personal information.
Collection of Personal Information
As a visitor to this Site, you
can engage in many activities without providing any personal information.
In connection with other activities, such as subscribing to services on
the Site or utilizing online software applications, IFL may ask you to
provide certain information about yourself by filling out and submitting
an online form. It is completely optional for you to engage in these activities.
If you elect to engage in these activities, however, IFL may ask that you
provide us personal information, such as your first and last name, mailing
address (including ZIP code), e-mail address, employer, job title and department,
telephone and facsimile numbers, and other personal information. When ordering
products or services on the Site, you may be asked to provide a credit
card number. Depending upon the activity, some of the information that
we ask you to provide is identified as mandatory and some as voluntary.
If you do not provide the mandatory data with respect to a particular activity,
you will not be able to engage in that activity.
When you use the Site, IFL or third parties authorized by IFL may also
collect certain technical and routing information about your computer to
facilitate your use of the Site and its services. For example, we may log
environmental variables, such as browser type, operating system, CPU speed,
and the Internet Protocol ("IP") address of your computer. We
use these environmental variables to facilitate and track your use of the
Site and its services. IFL also uses such environmental variables to measure
traffic patterns on the Site. Without expressly informing you in each particular
circumstance, we do not match such information with any of your personal
information.
When you submit personal information to IFL through this Site, you understand
and agree that this information may be transferred across national boundaries
and may be stored and processed in any of the countries in which IFL and
its affiliates and subsidiaries maintain offices, including, without limitation,
the United States. You also acknowledge that in certain countries or with
respect to certain activities, the collection, transferring, storage, and
processing of your information may be undertaken by trusted vendors of
IFL. Such vendors are bound by contract not to use your personal information
for their own purposes or provide it to any third parties. One instance
where this could occur is in conjunction with framed pages in which the
URL for the pages is not visible and the pages are being hosted by a vendor
of IFL.
IFL has established relationships with various service providers whose
services are available to you from this Site or from Web sites that are
linked to this Site. Typically, these providers offer services that IFL
customers might find useful, such as those that can be used in conjunction
with IFL services and products. In order to use those services, you may
be required to provide personal information to the providers. Unless expressly
provided to the contrary, personal information that you provide while you
are visiting a provider's Web site will be subject to the privacy policy
posted on such site, and personal information that you provide while on
this Site in conjunction with a provider's service will be subject to this
Privacy Policy. You should be aware that our agreements with these service
providers often provide that they will share with IFL personal information
collected from you. In such instances, IFL may use this information in
a manner consistent with this Privacy Policy. In the situation where sites
have a IFL "look and feel," and you reasonably believe you are
on an IFL site, the site is collecting information in a solely intermediary
capacity and does not use personal information for secondary purposes.
How Your Personal Information Is Used
IFL collects your information
in order to record and support your participation in the activities you
select. If you subscribe to a service or register a product, for example,
the information is used to register your rights, if any, to technical support
or other benefits that may be made available to registered users. As another
example, if you enter a contest, information is collected to qualify the
entry and contact you regarding the contest or prize awards. Your personal
information is also used to keep you informed about product upgrades, special
offers, and other products and services of IFL and selected third parties
if you have so opted to receive such communications.
IFL may collect information about the use of the Site, such as the types
of services used and how many users we receive daily. This information
is collected in aggregate form, without identifying any user individually.
IFL may use this aggregate, non-identifying statistical data for statistical
analysis, marketing, or similar promotional purposes.
Your Choices with Respect to Personal Information
IFL recognizes
and appreciates the importance of responsible use of information collected
on this Site. Without your consent, IFL will not communicate any information
to you regarding products, services, and special offers available from
IFL, although we may find it necessary to communicate with you regarding
your use of the services on this Site. Except in the particular circumstances
described in this Privacy Policy, IFL will also not provide your name to
other companies or organizations without your consent.
There are other instances in which IFL may divulge your personal information.
IFL may provide your personal information if necessary, in IFL's good faith
judgment, to comply with laws or regulations of a governmental or regulatory
body or in response to a valid subpoena, warrant, or order or to protect
the rights of IFL or others.
Protection of Your Personal Information
The personal information
that you provide in connection with registering yourself as a user of IFL
products or services or registering an IFL product is classified as Registration
Information. Registration Information is protected in several ways. Access
by you to your Registration Information is available through a password
and unique customer ID selected by you. This password is encrypted. We
recommend that you do not divulge your password to anyone. In addition,
your Registration Information resides on a secure server that only selected
IFL personnel and contractors have access to via password. IFL encrypts
your personal information and thereby strives to prevent unauthorized parties
from viewing such information when it is transmitted to IFL.
Personal information that you provide that does not constitute Registration
Information also resides on a secure server and is only accessible to selected
IFL personnel and contractors via password. Since this information is not
accessible by you, you will not be asked to select a password in order
to view or modify such information.
Use of Cookies
When you visit this Site, you can browse the Site
and access important information without revealing your identity. In order
to improve our Site, we use "cookies" to track your visit. A
cookie is a small amount of data that is transferred to your browser by
a Web server and can only be read by the server that gave it to you. It
functions as your identification card, and enables IFL to record your passwords,
purchases, and preferences. It cannot be executed as code or deliver viruses.
Most browsers are initially set to accept cookies. You can set your browser
to notify you when you receive a cookie, giving you the chance to decide
whether to accept it. (For some Web pages that require an authorization,
cookies are not optional. Users choosing not to accept cookies will probably
not be able to access those pages.)
While IFL uses cookies to track your visit to www.financiallit.org, and
our Web servers automatically log the IP/Internet address of your computer,
IFL does not generally use this information to identify you personally.
However, if you expressly provide consent for www.financiallit.org to "remember" the
unique identifier that you select when you register for various activities
on the site, that unique identifier may be stored on a cookie on your computer,
linked to your registration information, and your navigation path around
the site will be tracked. We associate this data to understand how our
site and services are being used so we can understand our customers and
offer appropriate products and services.
Updating your Personal Information and Privacy Preferences
You have
the right to access and correct your personal information and privacy preferences
at any time. You may access and correct your personal information and privacy
preferences (such as whether you wish to receive promotional communications
from IFL or third parties) by writing or calling IFL at:
Mail:
The Institute for Financial
Literacy
P.O. Box 1842
Portland,
ME 04104
Telephone: (207) 879-0389
Please include your name, address,
and/or e-mail address when you contact us.
Privacy-Related Inquiries and Complaints
IFL takes its users' privacy
concerns seriously. If you believe that IFL has not complied with this
Online Privacy Policy with respect to your personal information or you
have other related inquiries or concerns, you may write to the IFL Privacy
Officer at the address indicated above.
In your letter, please
describe in as much detail as possible the nature of your inquiry or the
ways in which you believe that the IFL Online Privacy Policy has not been
complied with. We will investigate your inquiry or complaint promptly.
Please note that if you provide IFL with inconsistent privacy preferences
(for example, by indicating on one occasion that third parties may contact
you with marketing offers and indicating on another occasion that they
may not), IFL cannot guarantee that your most recent privacy preference
will be honored.
Also, please note that IFL is not responsible
for the content or privacy practices of non-IFL Web sites to which this
Site or any other IFL Web site may link. You should review the privacy
policy of such sites before using the sites.