Beacon Indexes - Privacy Policy

BEACON INDEXES^TM

PRIVACY POLICY
www.BeaconIndexes.com

This Privacy Policy explains how Beacon Indexes (“Beacon Indexes”, “we” or “our”) collects and manages information about its customers and/or users of its website (“you”), how Beacon Indexes protects the security and confidentiality of such information, and the choices you can make about the way your information is collected and used. This Privacy Policy is provided to you as required by federal law and regulations.

Keeping The Privacy Policy Up-To-Date

Beacon Indexes reserves the right to make changes to this privacy policy by posting such changes on its website. Changes are effective immediately upon posting unless a different effective date is stated. This notice applies to all information collected or submitted on the Beacon Indexes website. You can always review the current policy by checking the Beacon Indexes website at http://www.beaconindexes.com (the “website” or “site”), or e-mailing us at jcarey@beacontrust.com or calling us at 1-973-377-8090 to request a copy. To make this notice easy to find, we make it available on our homepage and at points where personally identifiable information may be requested.

Beacon Indexes will also provide you with a copy of its Privacy Policy annually as long as you are an active client of Beacon Indexes or as required by law.

This Privacy Policy replaces and supersedes any previous statements regarding Beacon Indexes privacy policy. Information We Collect About You

In the course of providing services to you, Beacon Indexes collects information about you. Beacon Indexes may collect information about you to help identify you, and to service and manage your account. There are also pages on our website where we may request specific information about you, in order to register you for site membership, process transactions, fulfill your requests for information, communicate with you regarding services and transactions, and keep your knowledge about our products and services current. Some of this information is considered “personally identifiable financial information” or “nonpublic personal information.”

Beacon Indexes may collect the following types of nonpublic personal information about you:

Contact information such as name, email address, address, social security number and phone / fax numbers. We may use your email address to send you self-publishing and confirmation emails, authenticate user accounts, provide subscription email services, etc. Such information may be provided by you or by someone on your behalf on applications and other forms or through other interactions with Beacon Indexes.
Financial information such as that relating to your income, assets, debt, credit, interest, investments, accounts and transactions. Such information may extend to your transactions or experiences with Beacon Indexes or other companies (for example, your account balance, payment history, parties to transactions and account usage).
Information from credit reporting agencies (for example, your creditworthiness and credit history).
Information from other outside sources obtained when verifying the information you provide on an application or other forms (for example, from your current or past employers, or from other institutions where you conduct financial transactions).
Information you provide as feedback, comments or content when you contact us directly on the site.
Account Information to include your client login ID and password, additional identification questions/answers, and your preferences regarding receipt of informational e-mail messages from Beacon Indexes.
Technical Information collected in our website logs including standard web log entries for each page served that contain your IP address, page URL, and timestamp. Our website logs help us to diagnose problems with our server, to administer our site, and to otherwise provide our service to you. Our website logs and other technical records are stored indefinitely.

Information We Disclose

In general, Beacon Indexes does not share or disclose any non-public personal information about you to anyone, except pursuant to government regulations, as required by law, or as authorized by you. There may be times when we will need to disclose your information to our providers, contractors or distributors for the purpose of processing your transactions or otherwise. Before doing so, we will require the organizations receiving such information to commit to the same level of protection for your information as is provided in this Privacy Policy. We will not knowingly distribute the information you provide outside of the Beacon Trust family of affiliates unless we ask your permission or notify you beforehand, or we are required to do so by law or government order. To the extent that Beacon Indexes shares your information with certain third parties in the course of providing services to you, we will only do so in accordance with our fiduciary responsibilities to you (see “Parties Who Receive Information From Us” below).

Although our general policy is that we do not disclose information that you provide to us, we do reserve the right to access, preserve and disclose any submitted information or otherwise use information we have received about you: (1) in response to subpoenas, court orders, legal process or when otherwise required by law; (2) to establish, protect, or exercise our legal rights or defend any legal claims; (3) to protect our rights and property; (4) if we believe it is necessary in order to investigate, prevent or take action regarding unauthorized distribution of property, illegal activities, fraud or situations involving potential threats to the safety of any person; (5) to resolve disputes or to investigate problems. We may disclose or access information whenever we believe in good faith that the law so requires.

Beacon Indexes may occasionally receive medical or health information from customers. This information was provided for a specific purpose, and Beacon Indexes understands that you do not want such information to be used for other purposes. If Beacon Indexes does receive medical or health information, it will not disclose that information except as necessary to maintain your accounts, process transactions, provide services you requested, or unless you authorize the disclosure. In certain cases, we may be required by law to disclose such information, however, we will provide you notice thereof. Our protection and disclosure of private health information complies with the Health Insurance Portability and Accountability Act of 1996, as amended (“HIPAA”).

Nonpublic personal information disclosed in all circumstances is limited to the specific information required, and only for the purposes authorized.

If Beacon Indexes decides to change its policy on sharing or disclosing information, we will inform you first and give you an opportunity to decline or “opt-out.”

Parties Who Receive Information From Us

Certain third parties may be given access to your nonpublic personal information in certain circumstances as discussed above. For example, Beacon Indexes may share information as follows:

to give account information to printers and other service providers who work for or provide services to Beacon Indexes,
to provide information to protect against fraud,
to perform a transaction or service for you
with your consent,
with regulatory authorities and law enforcement officials.

Disclosure of Information About Former Customers

Beacon Indexes’ policies and practices regarding the use of nonpublic personal information on former customers is the same as the policy disclosed for current customers.

How We Protect Your Information

Beacon Indexes restricts access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Beacon Indexes informs all employees of their obligations to protect your information. Only those individuals who need to have access to your information are authorized to do so.

Although it is not possible to achieve perfect security, Beacon Indexes does, however, maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information, and all customer data and records. Beacon Indexes also requires that any outside companies which work with Beacon Indexes to manage your information must maintain appropriate safeguards to protect customer data and records. Beacon Indexes uses a range of internet security measures, such as firewalls that act as barriers between its network and others. As is generally the case, this protection does not extend to Internet e-mail messages sent outside this website directly to and from individual e-mail addresses, and therefore messages you send to Beacon Indexes by e-mail are not secure. If you need to send Beacon Indexes confidential information other than by way of an on-line application, it is recommended that you write to us or telephone us.

All data made available for download by Beacon Indexes reside on a secure server and are encrypted. Although Beacon Indexes exercises reasonable care to maintain the confidentiality of your data, no transmission over the Internet can be guaranteed to be 100% secure and we cannot guarantee that the personal information you submit to us will be free from unauthorized third party intrusion or interception. You therefore understand and agree that all information you submit to Beacon Indexes or download from the Site is done so at your own risk.

Protecting Your Privacy On-line

Like many web sites, our site may periodically utilize a technology called "cookies" to improve your experience in using the site, as well as our efficiency in processing your transactions. A cookie is a small data file that a web server can deliver to your browser, which is then stored on your computer's hard drive. Cookies are designed to permit us to provide better or more personalized service when you are visiting our site. You can set your browser to notify you when you receive a cookie, providing you with as much control as you wish as to the decision to accept/reject the cookie, and deletion of the cookie upon leaving our web site. However, please note that if your browser does not accept cookies, you may not be able to make use of some features of the site. Please refer to your browser's help information for details on setting cookie notification services.

If you are just browsing through the Beacon Indexes web site, you remain anonymous. Although the fact that someone has viewed the web site may be noted, Beacon Indexes does not use “cookies” to collect identifying information on visitors to its web site.

If you send information to Beacon Indexes on-line (over the Internet), Beacon Indexes may collect the data you send, such as application information and e-mail correspondence. Beacon Indexes retains this information only for as long as needed to respond to your inquiry. Information may be retained on Beacon Indexes’ computer system or the system of an outside company, depending on what is required to serve you and manage your account information.

Links to Third Parties’ Sites

Our site may contain links to other third party organizations' websites. Please note that Beacon Indexes is not responsible for the privacy policy, practices or content of such websites. Our links to third party websites do not imply any endorsement of the material or information on such other sites. Users are encouraged to review the privacy policy of each linked site before sharing personal information on such sites.

Children

Beacon Indexes does not knowingly market to children or solicit data from children. Protecting the privacy of the young is especially important and we share the view that children's use of the Internet and e-mail requires special consideration regarding privacy and information protection. Our site does not generally feature information and services of interest to children or anyone under the age of 13. We do not knowingly collect any information from any minors, and we comply with all applicable federal and state privacy laws including the Children's Online Privacy Protection Act (COPPA) and the associated Federal Trade Commission (FTC) rules for collecting personal information from minors.

International Users

Notwithstanding the fact that you may be accessing the site from a non-U.S. physical location, by visiting our website and providing us with data, you acknowledge and agree that we may collect, store, receive and transmit your data both inside and outside the United States. You agree that given the international dimension of this site we may use, store, receive and transmit collected data for the purposes identified in this Privacy Policy outside your resident jurisdiction.

Beacon Indexes is a division of Beacon Trust, a wholly owned subsidiary of The Provident Bank.

Your Agreement

By using our Site, You acknowledge and agree to this privacy policy. If You do not agree to any terms of this privacy policy, please do not use the Site. We reserve the right to change, add or remove all or part of our privacy policy at any time by posting the changes on this page. Your continued use of the Site following the posting of changes to these terms means You accept such changes.

If You have any comments or questions about our privacy policy, please contact us at the following addresses:

163 Madison Avenue
6th Floor
Morristown, NJ 07960
or
info@BeaconTrust.com or
call us at 1-973-377-8090

COPYRIGHT © BEACON INDEXES. 2012. ALL RIGHTS RESERVED.

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by BEACON INDEXES unless otherwise indicated.