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PLEASE READ THE PRIVACY POLICY CAREFULLY
Al Frank Asset Management, Inc. knows that you care how information about you is used and shared, and we appreciate your trust that we will use your information carefully and sensibly. This notice describes our privacy policy and tells you how we protect and use information that we obtain through our Site.
We continue to develop this Site and take advantage of technologies to improve the services we provide. As a result, our policies will continue to change. By using this Site, you agree to our use of your user information as described in this Privacy Policy. As we add new technology and new services, we will update our Privacy Policy. We encourage you to look to this policy on a regular basis for our most current privacy policy practices.
The information we receive, and how we use it, depends on what you do when visiting our Site. Parts of our Site are available to the public, and other parts are password protected. The information we collect from you varies depending on whether you visit a public portion of the Site, or a password protection portion of the site.
We may disclose all of the personal information we collect on current and former customers to affiliates and nonaffiliated third parties. We may disclose nonpublic personal information about you to the following types of third parties: 1) Financial service providers, such as securities broker-dealers; • Non-financial companies, such as publishers and direct marketers; and 2) Others, such as non-profit organizations. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
We reserve the right to transfer and sell personal information as part of transferring or selling some or all of our business.
You may also contact Al Frank by calling 1-800-258-7786.
As a member of alfrank.com and/or prudentspeculator.com, you will be solely responsible for the accuracy of your information, and for keeping it updated and current.
Your personal information is stored on secure servers that are not accessible by anyone other than you, our Web services provider and us. We provide you with the ability to send your personal information through secured and encrypted channels if you use a similarly equipped Web browser. When our registration/order form asks you to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - "SSL." While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just 'surfing.' To learn more about SSL, follow this link http://www.learnthenet.com/english/html/07secur.htm.
All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) have access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.
Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to make sure our customers' information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure place.
If you have any questions about the security at our Web site, you can send an email to info@alfrank.com and title the subject of the message "security."
You will have a choice as to whether we use this information in this different way.
We continue to develop this Site and take advantage of technologies to improve the services we provide. As a result, our policies will continue to change. By using this Site, you agree to our use of your user information as described in this Privacy Policy. As we add new technology and new services, we will update our Privacy Policy. We encourage you to look to this policy on a regular basis for our most current privacy policy practices.
The information we receive, and how we use it, depends on what you do when visiting our Site. Parts of our Site are available to the public, and other parts are password protected. The information we collect from you varies depending on whether you visit a public portion of the Site, or a password protection portion of the site.
What Information Do We Collect if You Visit the Public Portions of the Site?
If you visit the public, non-password portions of our Site to read or download information, such as information about one of our financial services products, we will collect and store only the following information ("non-personal information"): 1) The name of the domain from which you access the Internet (for example, aol.com, if you are connecting from an America Online account); 2) The date and time you access our Site; 3) The Internet address of the Web site from which you linked directly to our Site; 4) The type of Web browser you used to get to our Site.What We Do With This Information?
We may sell or exchange non-personal information with other businesses, including advertising and financial service businesses. We will use non-personal information to help us make our Site more useful to visitors and to help us in our business. We may share this information with consultants we hire to help us further develop and enhance our Site for future expansion of our products and services.What Do We Collect If You Access Password Protected Areas?
If you visit one of the password protected areas of this Site, we will require you to give us information that personally identifies you ("personal information"). Personal information may include: (i) contact information (such as your name, mailing and e-mail addresses); (ii) financial information (such as your account number or credit card number); and (iii) demographic information (such as your zip code, age and income). You must voluntarily give us personal information in order to participate in password protected areas. Without a password, you will not be able to access and use those parts of this Site that require your personal information.What Do We Collect If You Access Password Protected Areas?
In addition to collecting information from you, we may collect nonpublic personal information about you from the following sources: 1) Information about your transactions with us, our affiliates, or others; and 2) Information we receive from a consumer reporting agencyWhat Do We Do With the Information We Collect?
We may use your personal information data to verify your qualifications for certain products or services and to bill you for products and services. We may also use your information for marketing and demographic research. We may also share your information with other third parties that we partner with that may offer other products or services you may find useful.We may disclose all of the personal information we collect on current and former customers to affiliates and nonaffiliated third parties. We may disclose nonpublic personal information about you to the following types of third parties: 1) Financial service providers, such as securities broker-dealers; • Non-financial companies, such as publishers and direct marketers; and 2) Others, such as non-profit organizations. We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.
We reserve the right to transfer and sell personal information as part of transferring or selling some or all of our business.
How Do We Use Cookies?
We may use "cookies" to customize materials to match your interests, to make sure that you do not see the same advertisement repeatedly and to save your password so you do not have to re-enter it each time you visit this Site. US Government Information Bulletin (I-034) contains a good description of cookie technology at: http://www.ciac.org/ciac/bulletins/i-034.shtml.How Can You Edit Your Personal Profile?
In order to make sure that all of your personal information is correct and up- to-date, at any time you may visit your personal profile at www.prudentspeculator.com/MyTPS where you may read and update your personal information that we have already collected.You may also contact Al Frank by calling 1-800-258-7786.
As a member of alfrank.com and/or prudentspeculator.com, you will be solely responsible for the accuracy of your information, and for keeping it updated and current.
Is Al Frank Ever Required to Disclose Information About You?
In addition to the uses disclosed elsewhere in this Privacy Policy, we may be required to disclose your personal information to for example, comply with a law or regulation, court order, or other legal process or protect our rights or property.What Kind of Site Security Does Al Frank Have?
We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.Your personal information is stored on secure servers that are not accessible by anyone other than you, our Web services provider and us. We provide you with the ability to send your personal information through secured and encrypted channels if you use a similarly equipped Web browser. When our registration/order form asks you to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - "SSL." While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just 'surfing.' To learn more about SSL, follow this link http://www.learnthenet.com/english/html/07secur.htm.
All of our users' information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) have access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices.
Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to make sure our customers' information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure place.
If you have any questions about the security at our Web site, you can send an email to info@alfrank.com and title the subject of the message "security."
How Will You Be Notified of Changes to the Policy?
If we decide to change our privacy policy, we will post those changes on our Homepage so you are always aware of what information we collect, how we use it, and the circumstances, if any, under which we share it. If at any point we decide to use personal information in a way that is different from what we said at the time the information was collected, we will tell you by email.You will have a choice as to whether we use this information in this different way.