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1. Information Collected
In order to access certain services and areas (collectively,
the "Services") within Charitable Trust Administrators, Inc.'s website located
at www.miller-russell.com (the "Website"), Charitable Trust Administrators, Inc. requires
that you provide certain identifying information (the "Registration Data") listed
in the online My Accounts page or other pages within the Website. This information
may include your user name or "screen name," password and security identification
number used to access your account information and the Services. Charitable Trust Administrators, Inc. reserves the right to request any additional information necessary
to establish and maintain your account for use of any of the Services available
on the Website.
The personal information you provide us is transmitted using Secured Socket Layer
encryption technology to a secured database server. Once you become a "Registered
Member", Charitable Trust Administrators, Inc. stores such information in order to
customize your experience on the Website.
Charitable Trust Administrators, Inc. places Internet "cookies" on your
computer’s hard drive solely for session information, including information
needed to provide you a certain level of functionality when navigating through
the Website. Once your browser is closed, the session cookie is not saved.
2. Confidentiality
Registration Data is the property of Charitable Trust Administrators, Inc., subject to and protected by applicable laws. Unless otherwise
authorized as part of your registration with Charitable Trust Administrators, Inc. or as a part of your experience navigating the Website, including any framed
areas available through the Website, Charitable Trust Administrators, Inc. will
not sell, rent, swap or otherwise disclose your Registration Data to any third
party. Charitable Trust Administrators, Inc. uses Secured Socket Layer encryption
technology to transmit Registration Data, and stores all Registration Data in
a secured database server protected from Internet access by a fire wall. Your
Registration Information is accessible only by authorized personnel.
3. Uses Of Registration and Other Data
Charitable Trust Administrators, Inc. reserves the right to
disclose to third parties (i.e. regulatory agencies) information about your usage
of the Website and any related services, including information gathered during
your use of the Website, or when appropriate to comply with applicable law or
to enforce or apply our Terms and Conditions of Use or other applicable agreements.
Unless authorized by you as a part of your registration with Charitable Trust Administrators, Inc. or as a part of your experience on the Website, Charitable Trust Administrators, Inc. will disclose such information to third parties only in
the form of aggregate data (such as overall patterns or demographic reports) that
does not describe or identify any individual user.
Unless you select the "Opt-Out" option as described in Section 4 below,
Charitable Trust Administrators, Inc. reserves the right to use your Registration
Data to send you information about Charitable Trust Administrators, Inc. and its
affiliates, the Website, services provided by Charitable Trust Administrators, Inc. or its affiliates and other topics in which you may have an interest.
Charitable Trust Administrators, Inc. does not currently accept any information
submitted to or posted at its Website from children under the age of 13. No information
should be submitted to or posted at the Web Sites by children under 13 years of
age without the consent of their parent or legal guardian. Charitable Trust Administrators, Inc. does not allow children under 13 to register as members or to
receive direct marketing communications arising from their use of the Website
and, therefore, Charitable Trust Administrators, Inc. does not provide any personally
identifiable information from children under 13 to any third party. Charitable Trust Administrators, Inc. does encourage parents and guardians to spend time online
with their children and to participate in the interactive activities offered on
the Internet.
4. Opt-Out Right
If you do not wish to receive any special offers or other
communications from Charitable Trust Administrators, Inc., its affiliates or third
parties, or to instruct Charitable Trust Administrators, Inc. to remove your personal
information from our database or to noer receive access to our Service, you
can send an e-mail to our Webmaster, telephone your investment counselor at 800-222-1232
or send us a letter with your request at the following address: Charitable Trust Administrators, Inc., 111 W. Ocean Blvd. 23rd Floor Tustin, CA 92780 attn:
Webmaster.
5. Charitable Trust Administrators, Inc.'s
Right to Contact You
Charitable Trust Administrators, Inc. reserves the right to
contact all visitors to the Website regarding account status and changes to the
Terms and
Conditions of Use, Privacy Policy or any other policies or agreements relevant
to visitors or users of the Website.
6. User Updates to Information Collected
You may request to access, modify, correct, change or update
your Registration Data at any time through the My Accounts page by contacting
our Webmaster, telephoning us at 800-435-3505 or sending us a letter with your
request at the following address: Charitable Trust Administrators, Inc., 111 W.
Ocean Blvd. 23rd Floor Tustin, CA 92780 attn: Webmaster.
7. Lost or Stolen Password or Security Identification
If your password or security identification is lost or stolen,
you should immediately notify Charitable Trust Administrators, Inc. by telephoning
your investment counselor at 800-222-1232 or writing your investment counselor
at the following address: Charitable Trust Administrators, Inc., 111 W. Ocean Blvd. 23rd Floor Tustin, CA 92780 attn: Webmaster.
8. Cancellation
You can cancel access to your account through the Website
at any time by writing your investment counselor at Charitable Trust Administrators, Inc., 111 W. Ocean Blvd. 23rd Floor Tustin, CA 92780 attn: Webmaster.
9. No Liability for Acts of Third Parties
Although Charitable Trust Administrators, Inc. will use all
reasonable efforts to safeguard the confidentiality of the Registration Data,
transmissions made by means of the Internet cannot be made absolutely secure.
Charitable Trust Administrators, Inc. will have no liability for disclosure of
Registration Data due to navigating in any third party websites which may be available
through the Website by way of framing, errors in transmission, unauthorized acts
of third parties or through the use of third party cookies including those of
advertisers when you view or click on their advertisements. Once you leave
the Website, including accessing any third party website as framed within the
Website, you will be subject to third party privacy policies, which may differ
significantly from our Privacy Policy.
10. Updates
Charitable Trust Administrators, Inc. reserves the right to
change or update this Privacy Policy, or any other Charitable Trust Administrators, Inc. policy or practice, at any time. Any changes or updates will be effective
immediately upon posting to the Website, and your use of the Website following
such posting constitutes your acceptance of the Privacy Policy as so changed or
updated.
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