Privacy Notice

Privacy Policy The following policy governs the MyUMFS Website's online collection of information from you. Specifically, it outlines the types of information that the MyUMFS Website gathers about you while you are using the MyUMFS Website, and the way that the MyUMFS Website uses and doesn't use this information. This Privacy Policy, including the children's privacy statement, does not apply to any information you may provide to us or that we may collect offline and/or through other means; for example, at a live event, via telephone, or through the mail. In addition, this Privacy Policy does not apply to any activities (online or otherwise) of the MyUMFS Website's print efforts. The information that the MyUMFS Website collects about visitors while they are using the MyUMFS Website falls into two general categories:

1. Information You Provide to Us.

MyUMFS may collect and store information, personal or otherwise, that you voluntarily supply either while on the MyUMFS Website's or in responding, via e-mail to a feature provided on the MyUMFS Website. Some examples of this type of information include: demographic information that you electronically submit when you sign up for access to certain features on the MyUMFS Website, information (such as your name or e-mail address) that you electronically submit when you register for surveys, sweepstakes or contests within the MyUMFS Website, information that you post on message boards or membership profile areas within the MyUMFS Website, and information contained in search requests or questions that you submit to the MyUMFS Website. If you decline to supply or provide the MyUMFS Website with certain information while using the MyUMFS Website, you may not be able to use or participate in some or all of the features offered through the MyUMFS Website.

2. Information that is Automatically Collected.

The MyUMFS Website also collects and stores information that is generated automatically as you navigate through the MyUMFS Website. For example, to enhance your experience on the MyUMFS Website, MyUMFS may use a standard feature found in browser software called a "cookie." Cookies are small files that your web browser places on your hard drive for record-keeping purposes. By showing how and when visitors use the MyUMFS Website, cookies help us track user trends and patterns. They also prevent you from having to re-enter your preferences on certain areas of the MyUMFS Website where you have entered preference information before. MyUMFS also uses web beacons (also known as "single-pixel GIFs") to access cookies and to count users who visit the MyUMFS Website or open MyUMFS's HTML-formatted email messages. Another example of information that the MyUMFS Website automatically collects as you navigate the MyUMFS Website site is information about your computer's connection to the Internet. This information allows us, among other things, to improve the delivery of our web pages to you and to measure traffic on the MyUMFS Website.

How is the Information Used?

The MyUMFS Website uses the information it collects from you while you are using the MyUMFS Website in a variety of ways, including, using the information to customize features and advertising that appear on the MyUMFS Website. Your information will never be disclosed to any third party. The MyUMFS Website includes links to other websites, and provides access to products and services offered by third parties, whose privacy policies we do not control. When you access another website or purchase products or services or conduct other transactions through the MyUMFS Website, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting or the provider of such products or services. We also make some content, products and services available through our MyUMFS Website through cooperative relationships with third party providers, where the brands of our provider partner appear prominently within the MyUMFS. We may share with our provider partner any information you provide, or that is collected, in the course of visiting any pages that are made available in cooperation with our provider partner. In some cases, the provider partner may collect information from you directly; in which cases the privacy policy of the provider partner may apply to the provider partner's use of your information. The privacy policy of our provider partners may differ from ours. If you have any questions regarding the privacy policy of one of our provider partners, you should contact the provider directly for more information. Be aware that MyUMFS may occasionally release information about visitors when release is appropriate to comply with law, to enforce our Terms of MyUMFS Website agreement, or to protect the rights, property or safety of visitors to our site, the public, or MyUMFS Please also note that as our business grows, we may buy or sell various assets. In the unlikely event that MyUMFS, some or all of our assets, or our site is acquired by another company, information on our visitors may be among the transferred assets.

Children's Privacy Statement for MyUMFS

This children's privacy statement explains MyUMFS practices with respect to the online collection and use of personal information from children under the age of thirteen, and provides important information on your rights under federal law with respect to such information.

* We do NOT knowingly collect personally identifiable information from children under the age of thirteen as part of the MyUMFS Website. We screen users who wish to provide personal information in order to prevent users under the age of thirteen from providing such information. If we become aware that we have inadvertently received personally-identifiable information from a user under the age of thirteen as part of the MyUMFS Website, we will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of thirteen as part of the MyUMFS Website.

* Because we do not collect any personally identifiable information from children under the age of thirteen as part of the MyUMFS Website, we also do NOT knowingly distribute such information to third parties.

* We do NOT knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally identifiable contact information through the MyUMFS Website.

* Because we do not collect any personally identifiable information from children under the age of thirteen as part of the MyUMFS Website, we do NOT condition the participation in the MyUMFS Website's online activities of a child under thirteen on providing personally identifiable information.

Questions on Privacy

If you have questions or concerns about the children's privacy statement, the privacy practices of the MyUMFS Website, or your dealings with MyUMFS, please contact us by either email or telephone.

Upper Michigan Financial Services Association
2366 US 41 South
Marquette, Michigan, 49855