Privacy Policy
1. We’re committed to privacy.  We have always worked hard to maintain the
highest standards of confidentiality and to respect the privacy of our client
relationships.  We will continue to do so.

2. We do not sell your personal information to anyone.  Neither do we sell
the fact that you are or were a client (if you are a client).  We do not sell lists of
clients or former clients.

3. We do not disclose personal information to third parties except as
follows.
 We disclose Information to companies that perform support services
for your account or process your transactions with us.  Such companies are
required to safeguard your information and not use it for any other purpose.  
We will disclose information if you request us to, to fulfill your instructions.  We
will disclose information as required by laws and regulations, and in other legally
limited circumstances (such as to prevent fraud).

4. We collect personal information needed to administer your account.  
The personal information we collect comes primarily from you.  You provide
personal information when you complete an account application or a
transaction.  This information may include name, address, date of birth, phone
number, Social Security number or taxpayer identification number, account
activity, or other personal information needed in the normal course of business.  
We may also get some personal information from third parties in order to help
us verify your identity or prevent fraud.

5. We protect your personal information.  We limit access to Information
about you to those of our employees and service providers who need to know
the information to service your account.  We maintain physical, electronic, and
procedural safeguards that are designed to comply with federal standards to
guard your Information.

6. Online Privacy.  You may have noticed that our web site is not secure.  We
are careful to not collect or transmit any private data via our web site.

Our web site does not use “cookies” to store any information on your computer.

When you access our web site, we do not collect any data ourselves, but our
web hosting service (the company that hosts our web site) collects technical and
navigational information about your access to the web site.  This information
does not identify you personally, but does include the IP (Internet Protocol)
address from which you accessed our web site.  It includes information such as
date and time of access, browser type, and pages visited.  We may keep copies
of these log files for use in improving our web site.

7. If your relationship with us ends, we will continue to treat your personal
Information as described in this Privacy Notice.

8. We will keep you informed.  As required by federal law, we will notify you of
our privacy policy annually.  We reserve the right to modify this privacy policy,
but if we do, we will notify you promptly.

9. This notice supplements any privacy policies or statements that we or our  
affiliates may provide in connection with specific products or services.