We take very seriously our obligation to protect the personal information you share with us. "Personal information" means information that identifies you personally and is not otherwise available to the public.

We do not share our customers’ personal information with unaffiliated third parties for purposes unrelated to the administration of our services. Nor do we sell our customers’ personal information. For those reasons we do not have an opt out provision in our Privacy Policy.

Information We May Disclose
In the course of conducting our business there are circumstances in which we may disclose to other parties the information we collect about you, as described above. These disclosures are only made as permitted or required by law, such as disclosures to affiliates and organizations that perform services or functions on our behalf or to serve you and to regulatory, law enforcement and governmental authorities.

For example, as permitted or required by law, we may disclose all of the information we collect, as described above, to companies or organizations that perform marketing or administrative services for us or to other financial institutions (such as banks, insurance companies, securities brokers or dealers) with which we have joint marketing agreements.

When information is disclosed to a third party to perform services or functions on our behalf, we expect them to adhere to procedures and practices that maintain the confidentiality of your personal information, to use the information only for the limited purpose for which it was shared, and to abide by all applicable privacy laws.

We do not share medical information except with your prior authorization or as permitted or required by law.

Confidentiality and Security
We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your information.

Further Information
We may change our privacy policy at any time. As long as you remain a customer, we will notify you of any modifications as required by law. Should your relationship with us end, we will continue to limit disclosures of your information in accordance with our stated privacy policy.