The Agate Group takes your privacy seriously and wants to promote trust and confidence on the Internet. As such, The Agate Group feels it is necessary to disclose to you what information this site collects and tracks and what we do with the information that we collect. Please read the following to learn more about our privacy policy.

NOTICE: Click here for important information about safe surfing from the Federal Trade Commission.

What This Privacy Policy Covers

This policy covers how The Agate Group treats personal information that The Agate Group collects and receives, including information related to your past use of The Agate Group’s services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.

This policy does not apply to the practices of companies that The Agate Group does not own or control, or to people that The Agate Group does not employ or manage.

Information Collection and Use

General

The Agate Group collects personal information when you register with The Agate Group, when you use The Agate Group’s services, when you visit The Agate Group pages or the pages of certain The Agate Group partners, and when you enter promotions or sweepstakes. The Agate Group may combine information about you that we have with information we obtain from business partners or other companies.

When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests. For some financial products and services we may also ask for your address, Social Security number, and information about your assets. Once you register with The Agate Group and sign in to our services, you are not anonymous to us.

The Agate Group collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.

The Agate Group automatically receives and records information on our server logs from your browser, including your IP address, The Agate Group cookie information, the domain name from which you enter and leave the site, the pages you request, the time that you spend on each page, your Internet Service Provider and the geographic location of your point of connectivity.

The Agate Group uses information for the following general purposes:

? to customize the advertising and content you see,

? fulfill your requests for products and services,

? improve our services,

? contact you,

? and to conduct research.

Children

The Agate Group will not contact children under age 13 about special offers or for marketing purposes without a parent’s permission.

The Agate Group does not ask a child under age 13 for more personal information, as a condition of participation, than is reasonably necessary to participate in a given activity or promotion.

Information Sharing and Disclosure

The Agate Group does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you’ve requested, when we have your permission, or under the following circumstances:

? We provide the information to trusted partners who work on behalf of or with The Agate Group under confidentiality agreements. These companies may use your personal information to help The Agate Group communicate with you about offers from The Agate Group and our marketing partners. However, these companies do not have any independent right to share this information.

? We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims; ? We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of The Agate Group’s terms of use, or as otherwise required by law.

Cookies

The Agate Group may set and access The Agate Group cookies on your computer.

The Agate Group lets partner companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies’ use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to The Agate Group’s cookies.

The Agate Group uses web beacons to access The Agate Group cookies inside and outside our network of web sites and in connection with The Agate Group products and services.

Ability to Edit and Delete Your Account Information and Preferences
General

You can edit your The Agate Group Account Information, including your marketing preferences, at any time.

New categories of marketing communications may be added to the Marketing Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.

Certain communications from The Agate Group, such as service announcements, administrative messages and the The Agate Group Newsletter, are considered part of The Agate Group membership and you may not opt out of receiving them.

You can delete your The Agate Group account by visiting our Account Deletion page.

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.

We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

Changes to this Privacy Policy

The Agate Group may update this policy. We will notify you about significant changes in the way we treat personal information by placing a prominent notice on our site.