This section explains our policy and practices regarding any personal information you supply to us when you visit this site. It is our goal to protect your information on the Internet in the same way we protect your information in other ways we interact with you.

Browsing the Web Site

When using our site, you can obtain information, access products and services, use planning tools and calculators, communicate with us or link to other web sites.

Linking to other Sites

Our policy does not govern Web sites of other parties to which we may provide links.  If you choose to link to Web sites not controlled by us, we recommend that you review the privacy and security policies of these companies.

Web Site Usage Data

We may track certain non-personally identifiable information about the use of our Web site, such as the source address of a page request, your IP address or domain name, the date and time of the page request, and other parameters in the URL.  We use this data to better understand use of our Web site and user preferences.  This information is stored in log files and is used for aggregated and statistical reporting.  This information is not linked to personally identifiable information gathered elsewhere on the site.

(About ‘Cookies’)

To provide better service and a more effective website, we use ‘cookies’ as part of our interaction with your browser. A ‘cookie’ is a small, text file placed on your hard drive by our webpage server. These cookies do not collect personally identifiable information, and we do not combine information collected through cookies with other personal information to determine who you are or your email address. Cookies are commonly used on websites and do not harm your system. By configuring your preference options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our website and for a number of administration purposes. Third-party sites may also use cookies.

Planning Tools and Calculators

We provide a number of tools, planners and other interactive calculators to help you manage your financial life.  The information you provide when using these tools is used only to complete these calculations.  We do not collect this information nor link it to any personally identifiable information.

Online Forms and Applications

If you submit an application or form online, or request an online transaction, we may keep the information you send in an electronic database.  We use security measures to protect against the loss, misuse, and the alteration of data used in our systems.

Email

Unless explicitly stated, email is not secure.  We recommend that you do not send any confidential information through email.   If you send email to us, we may retain the contents of your email message, your email address, and our response.

Children's Information

We do not knowingly collect or solicit information from children under 18 without parental consent.