When you visit our website to view any pages and/or read product information, you do so without telling us who you are and without revealing any personal information.  While we do not collect identifying information about visitors to our site, we may collect information to measure the number of visitors to the different pages and sections of our website to help us make our website more useful to visitors.  The only information we collect and store is: the date and time the pages were accessed.

There are instances where you may elect to provide us with personal information.  If you send us e-mail, you are transmitting the information that appears to you in the form or the message.  This will typically include information like your name, mailing address, e-mail address, the kind of request you are making, and any other information necessary to fulfill your request.  You never transfer personally identifying information that you do not enter yourself.  This is always your option; this information cannot be collected unless you specifically elect to send it to us.  This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Our website is not targeted or marketed to children.

* To establish and administer your accounts.  (Example: We ask for personally identifying information to protect your accounts from fraud.)

* To satisfy certain regulatory requirements.  (Example: When you open an account that pays interest, we are required by the Internal Revenue Service to obtain your social security number.)

* Better understand you so that we may provide you with additional or improved products and services. ( Example: We require information concerning your credit history and your assets to determine if you qualify for loan approval.)
 

We do not share our current or previous customers' nonpublic personal information with affiliates or with nonaffiliated third parties except as permitted or required by law.

How is that information protected?
Access to your personally identifiable financial information is limited to employees with a specific business reason for utilizing this data.  Our employees are educated about the importance of maintaining confidentiality and customer privacy.  If necessary, we take appropriate disciplinary steps to enforce our employees' responsibility to protect your very personal information.

In order to prevent unauthorized access to your information, we maintain security standards and procedures that conform with industry practices.  These security standards and procedures are routinely tested to verify the integrity of our systems.