Terms, Conditions, and Privacy
Privacy NoticeOctober 7, 2010
Information we collect
When you obtain services from us, we collect information such as name, address, telephone number, e-mail address, date of birth, income, employment, dependent information, financial products owned (type and amount), tax bracket and net worth.
How we collect information
We collect nonpublic personal information about you from applications, statements, other written forms, electronic files completed by you or us, our website and from other oral and electronic communications such as e-mail.
Who we share the information with
Except as provided below, we do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.
We share information with third parties where necessary in order to help us provide the services you seek from us. We may also provide nonpublic information about you to non-affiliated third parties as permitted or required by law.
We do not sell information about current or former customers to any third parties.
Protecting your information
We restrict access to nonpublic personal information about you to those representatives and employees who need to know this information to provide products or services to you. We maintain physical, electronic and procedural safeguards to protect your nonpublic personal information.
Simply put, we do not and will not sell or rent your personal information to anyone, for any reason, at any time. CoPilot uses and discloses your personal information only as follows:
- to analyze site usage and improve the Service;
- to deliver to you any administrative notices, money alerts and communications relevant to your use of the Service;
- to fulfill your requests for certain products and services;
- for market research, project planning, troubleshooting problems, detecting and protecting against error, fraud or other criminal activity;
- to third-party contractors that provide services to CoPilot Financial and are bound by these same privacy restrictions;
- as otherwise set forth in this Privacy and Security Policy.
In the event that you access the Service as brought to you by one of our co-brand partners, through a co-branded URL, your email address used for registration on the Service may be provided to that co-brand partner.
Sharing information with 3rd parties offering other products or services
Contests, Giveaways and Surveys
From time to time, CoPilot may offer you the opportunity to participate in contests, giveaways and other promotions. Any information submitted in connection with such activities will be treated in accordance with this Privacy and Security Policy, except as specifically set forth in the rules for those contests, giveaways or promotions. From time to time, CoPilot may also ask you to participate in surveys designed to help CoPilot Financial improve the Site. Any personal information provided to CoPilot Financial in connection with any survey will be used only in relation to that survey and as elsewhere set forth in this Policy.
Disclosure of your information to protect our rights or if required by law
Notwithstanding the foregoing, CoPilot reserves the right (and you authorize CoPilot) to share or disclose your personal information when CoPilot determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
- To prevent prohibited or illegal activities; or
- When required by any applicable law, rule regulation, subpoena or other legal process.
Email communications from us
We provide our registered customers with weekly summaries of their Account Information and email alerts. We also allow users to subscribe to email newsletters and from time to time may transmit emails promoting CoPilot Financial or third-party goods or services.
CoPilotFinancial.com subscribers have the ability to opt-out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts.
Your data is secure
We use a combination of firewall barriers, encryption techniques and authentication procedures, among others, to maintain the security of your online session and to protect CoPilotFinancial.com accounts and systems from unauthorized access.
Our servers are in a secure facility. Access requires multiple levels of authentication, including biometrics recognition procedures. Security personnel monitor the system 7 days a week, 24 hours a day.
Our databases are protected from general employee access both physically and logically. All backup drives and tapes are encrypted.
We enforce physical access controls to our buildings.
No employee may put any sensitive content on any insecure machine (i.e., nothing can be taken from the database and put on an insecure laptop).
However, it is important to understand that these precautions apply only to our Site and systems. We exercise no control over how your information is stored, maintained or displayed by third parties or on third-party sites.
We update this Privacy & Security Policy periodically. The date last revised appears at the top of the Policy. Changes take effect immediately upon posting.