| This Agreement was last updated on October 20th, 2005. |
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| The Privacy of Your Data |
| Asset Planning Solutions ("APS") thanks you for accessing this web site (the "Site"). APS wants to assure you that we respect your privacy because we know that trust is the key to any successful online relationship. The following Privacy Policy describes APS’s commitment to protect your personal information. |
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| This Privacy Policy explains how APS collects, uses and discloses your personal information on the APSUSA.com web site. This Privacy Policy also explains the steps APS has taken to ensure that your personal information is secure. Finally, this Privacy Policy explains your choices regarding the collection, use and disclosure of your personal information. |
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| THIS PRIVACY POLICY APPLIES ONLY TO THE SITES REFERRED TO ABOVE. THIS PRIVACY POLICY APPLIES ONLY TO APS’s ONLINE COLLECTION, USE AND DISCLOSURE OF YOUR PERSONAL INFORMATION. |
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| APS IS NOT RESPONSIBLE FOR THE CONTENT OR PRIVACY PRACTICES ON ANY NON-APS WEB SITES TO WHICH THIS SITE LINKS. |
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| INFORMATION COLLECTION AND USE |
| | 1. Information Collection. APS collects information from you at several different points and in different ways on this Site. APS will ask you for your permission before APS collects any information that personally identifies you or your business or allows APS to contact you or your business. APS’s primary goal in collecting personal information from you and/or your organization is to provide you with an efficient, meaningful and customized financial planning solution. For example, the information you provided to us during registration or during normal usage of our web site, helps APS deliver quality financial solutions to you. It also enables us to provide you updates about our services and special promotions we are offering. When you become a member of APSUSA.com you may receive email or postal mail from APS. We make every attempt to thwart web-bots from pruning our site for email addresses. |
| | | (a) Cookies and Other Technology. APS may collect aggregated site-visitation statistical information through "cookies" and other technology, such as clear GIF technology which is also known as a "web beacon". Such aggregated statistical information is non-personal. This Site employs cookies and web beacons to speed your navigation of the Site, recognize each user and its access privileges, and tracks a user's site usage. |
| | | | (i) "Cookies" are small pieces of information that are stored by a user's Internet browser on a user's computer's hard drive. Most Internet browsers are initially set to accept cookies. A user can set his or her browser to refuse cookies, but the user will not be able to access or use portions of this Site. THIS SITE’S COOKIES DO NOT HAVE THE CAPABILITY OF INFILTRATING A USER'S HARD DRIVE AND GATHERING A USER'S PERSONAL INFORMATION. |
| | | | (ii) "Web beacons" assist in delivering cookies and help APS determine whether a web page on this Site has been viewed and, if so, how many times. For example, any electronic image on this Site, such as an ad banner, can function as a web beacon. |
| | | (b) Log Files. The Site server automatically recognizes the Internet URL from which you access this Site. APS may also log your Internet protocol ("IP") address for system administration and troubleshooting purposes. (An IP address indicates the location of your computer on the Internet.) APS does not presently link an IP address to any personally identifiable information but APS may provide you with the means to do so in the future to assist you with keeping your information secure. APS will notify you when such means become available. |
| | 2. Information Use and Disclosure. |
| | | (a) Internal Use. APS may identify you in connection with your use of certain aspects of this Site. For example, APS may internally use your personal information to improve APS’s marketing and promotional efforts, to improve the Site’s content and/or layout, and to determine general marketplace information about visitors to this Site. |
| | | (b) External Use. APS does not sell, rent, license or otherwise disclose your specific personal information or financial information to most third parties. In the process of providing you with a personalized financial solution APS may submit your information to one or more insurance companies. Please be aware that the security of this information transfer is covered under the 1999 GLBA regulations pertaining to secure trasfer of personal information from insurance agents to insurers. Additionally, APS may be required to disclose such information in response to a valid court order or if APS is otherwise required to disclose such information by law, or because of a merge, acquisition, reorganization or sale of assets involving APS. |
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| DATA SECURITY |
| This Site incorporates various physical, electronic and administrative procedures to safeguard the confidentiality of your personal information. Access to your personal information is restricted and in complaince with all GLBA laws and regulations. Only employees who need access to your personal information to perform a specific job are granted access to your personal information. Finally, the servers where APS stores your personal information are kept in a secure environment. |
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| WHILE APS HAS TAKEN EVERY COMMERCIALLY REASONABLE PRECAUTION TO SAFEGUARD YOUR PERSONAL INFORMATION, APS CANNOT GUARANTEE COMPLETE SECURITY BECAUSE COMPLETE SECURITY DOES NOT PRESENTLY EXIST ON THE INTERNET. |
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| OPT OUT/CORRECTIONS |
| Upon your request, APS will (a) remove your personal information from APS’s database (which might cancel your subscription to this Site or a portion of this Site); or (b) correct or update your personal information. You can request that APS remove, correct or update your personal information by calling the telephone number at the bottom of this page. Business hours are from Monday through friday between 9:00am and 5:00pm EST. |
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| UPDATES TO THIS POLICY |
| If APS decides to change or update this Privacy Policy, APS will post changes and updates on this Site so that you will always be aware of what information APS collects, uses and distributes. APS encourages you to review this Privacy Policy from time to time so you will know if the Privacy Policy has been changed or updated. |
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| Contact Information |
| If you have any questions about APS’s Privacy Policy, please contact us via email at privacy@apsusa.com. You may also write to us or call us at: |
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Asset Planning Solutions
33 Main Street. Suite 201
Nashua, NH 03064
(800) 342 - 6331
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