Introduction
We at Smart Money Products and our affiliated
companies worldwide are committed to respecting your online privacy
and recognize your need for appropriate protection and management of
any personally identifiable information ("Personal Information") you
share with us. Smart Money Products has established this Online
Privacy Policy so that you can understand the care with which we
intend to treat your Personal Information. Personal Information
means any information that may be used to identify an individual,
including, but not limited to, a first and last name, a home or
other physical address and an email address or other contact
information, whether at work or at home. In general, you can visit
Smart Money Products's Web pages without telling us who you are or
revealing any Personal Information about yourself. If you choose to
provide us with your Personal Information on the Web, we may
transfer that Information within Smart Money Products or to Smart
Money Products's third-party service providers, across borders, and
from your country or jurisdiction to other countries or
jurisdictions around the world. Smart Money Products strives to
comply with all applicable laws around the globe that are designed
to protect your privacy. Although legal requirements may vary from
country to country, Smart Money Products intends to adhere to the
principles set forth in this Online Privacy Policy even if, in
connection with the above, we transfer your Personal Information
from your country to countries that may not require an "adequate"
level of protection for your Personal Information. In other words,
our goal is to provide protection for your Personal Information no
matter where that Personal Information is collected, transferred, or
retained.
Cookies and Other Tracking Technologies
Some of our Web pages utilize "cookies" and
other tracking technologies. A "cookie" is a small text file that
may be used, for example, to collect information about Web site
activity. Some cookies and other technologies may serve to recall
Personal Information previously indicated by a Web user. Most
browsers allow you to control cookies, including whether or not to
accept them and how to remove them. You may set most browsers to
notify you if you receive a cookie, or you may choose to block
cookies with your browser, but please note that if you choose to
erase or block your cookies, you will need to re-enter your original
user ID and password to gain access to certain parts of the Web
site. Tracking technologies may record information such as Internet
domain and host names; Internet protocol (IP) addresses; browser
software and operating system types; clickstream patterns; and dates
and times that our site is accessed. Our use of cookies and other
tracking technologies allows us to improve our Web site and your Web
experience. We may also analyze information that does not contain
Personal Information for trends and statistics. To protect your
privacy, we have adopted the following principles: Notice, Choice,
Security & Access/Accuracy
Notice
Where Smart Money Products collects Personal
Information on the web, we intend to post a purpose statement that
explains why Personal Information will be collected and whether we
plan to share such Personal Information outside of Smart Money
Products or those working on Smart Money Products's behalf. Smart
Money Products does not intend to transfer Personal Information
without your consent to third parties who are not bound to act on
Smart Money Products's behalf unless such transfer is legally
required.
Choice
You may choose whether or not to provide
Personal Information to Smart Money Products. The notice we intend
to provide where Smart Money Products collects Personal Information
on the Web should help you to make this choice. If you choose not to
provide the Personal Information we request, you can still visit
most of Smart Money Products's Web sites, but you may be unable to
access certain options, offers, and services that involve our
interaction with you. If you chose to have a relationship with Smart
Money Products, such as a contractual or other business relationship
or partnership, we will naturally continue to contact you in
connection with that business relationship.
Security
Wherever your Personal Information may be held
within Smart Money Products or on its behalf, we intend to take
reasonable and appropriate steps to protect the Personal Information
that you share with us from unauthorized access or disclosure.
Access/Accuracy
To the extent that you do provide us with
Personal Information, Smart Money Products wishes to maintain
accurate Personal Information. Where we collect Personal Information
from you on the Web, our goal is to provide a means of contacting
Smart Money Products should you need to update or correct that
Information. If for any reason those means are unavailable or
inaccessible, you may send updates and corrections about your
Personal Information to privacy@Smart Money Products.com and we will
make reasonable efforts to incorporate the changes in your Personal
Information that we hold as soon as practicable.
Third Party Services
Third parties provide certain services
available on Smart Money Products.com on Smart Money Products's
behalf. Smart Money Products may provide information, including
Personal Information, that Smart Money Products collects on the Web
to third-party service providers to help us deliver programs,
products, information, and services. Service providers are also an
important means by which Smart Money Products maintains its Web site
and mailing lists. Smart Money Products will take reasonable steps
to ensure that these third-party service providers are obligated to
protect Personal Information on Smart Money Products's behalf. Smart
Money Products does not intend to transfer Personal Information
without your consent to third parties who are not bound to act on
Smart Money Products's behalf unless such transfer is legally
required. Similarly, it is against Smart Money Products's policy to
sell Personal Information collected online without consent.
Children's Privacy
Smart Money Products.com is not structured to
attract children. Accordingly, we do not intend to collect Personal
Information from anyone we know to be under 18 years of age.
Commitment
We are committed to privacy and, through our
membership in the Online Privacy Alliance, are actively involved in
and support current industry initiatives to preserve individual
privacy rights on the Internet. Protecting your privacy online is an
evolving area, and Smart Money Products's Web sites are constantly
evolving to meet these demands. If you have any comments or
questions regarding our Online Privacy Policy, please contact us at
privacy@Smart Money Products.com. While we cannot guarantee privacy
perfection, we will address any issue to the best of our abilities
as soon as possible.
Your Consent
By using this Web site, you consent to the
terms of our Online Privacy Policy and to Smart Money Products's
processing of Personal Information for the purposes given above as
well as those explained where Smart Money Products collects Personal
Information on the Web. Should the Online Privacy Policy change, we
intend to take every reasonable step to ensure that these changes
are brought to your attention by posting all changes prominently on
our web site for a reasonable period of time.
Your California Privacy Rights
For information on Your California Privacy
Rights, see California Notice of Information-Sharing Disclosure.
v.2.9 November 4, 2006