Ohio Presbyterian retirement services’ Privacy Policy
Effective Date: March 9, 2009
Ohio Presbyterian Retirement Services (“OPRS” or “we”) knows that you care about the treatment of your personal information and we are committed to safeguarding your privacy online. This notice describes our Privacy Policy and the choices you can make about the information you share with OPRS. Please read this Privacy Policy carefully, as your use of OPRS’s web site (the “Site”) constitutes your acceptance of the practices described in this Privacy Policy. We may change this Privacy Policy at any time by updating the Site. The changes or updates will be posted to this page so that you are aware of any updates to the information we collect, how we use it and under what circumstances we may disclose it. You are bound by all such modifications, and it is your responsibility to review this Privacy Policy on a regular basis. Your continued use of the Site following the modifications shall constitute your acceptance of the Privacy Policy as modified. Please check back periodically.
Terms of Use
Please review our Terms of Use, which also governs your visit to and use of the Site. http://www.oprs.org/terms.asp, OPRS is a nonprofit corporation organized under the laws of the State of Ohio, in which OPRS has its headquarters. The servers that host the Site are located in the United States, and any personal details you provide to us will be processed by OPRS in the United States. OPRS expressly excludes any representation or warranty, express or implied, with respect to the information available on the Site. OPRS makes no representation about any third party web sites that may be accessed via links from the Site. By using the Site, you agree that the laws of the State of Ohio, without regard to its conflict of laws principles, will govern all matters between you and OPRS with respect to your use of the Site.
Information Collected
OPRS collects personally identifiable information and non-personal information as a means to help improve the products and services we offer and provide as well as the content offered on the Site. OPRS does not sell, trade, or rent your personally identifiable information to third parties for marketing purposes, or for any other reason except as provided in this Privacy Policy. The information we collect includes the following:
We do not collect any personally identifiable information about you except for the information that you provide to us. We receive, store, and use this information to help us communicate with you, respond to your requests, and improve the content and services that OPRS has available.
We collect certain types of other information whenever you access the Site. If you do nothing during your visit but browse through the Site, read pages, or download information, we will gather and store certain information about your visit automatically. This information does not identify you personally. This collection of information includes the use of “cookies,” which are explained further below, and the information is used to help us provide content specific to your interests.
An IP address is a number assigned to your computer automatically when you access the Internet. We use your IP address to help diagnose problems with our server, to administer the Site, and to gather aggregate statistical information for purposes of analyzing the use of the Site and to report such aggregate statistical information to third parties. We may associate IP address data with personally identifiable information, but IP address and personally identifiable information are not shared with third parties.
- Electronic Mail Communications.
We may periodically send our customers information regarding our products and services. If you wish to change your customer preferences regarding e-mail communications between you and us, please go to the following web page to change your preference at http://www.oprs.org/mailings.asp
Cookies and other Technical Information
To enhance your online experience we use “cookies.” Upon viewing the Site, your computer automatically receives certain information for it to store. This information is referred to as a cookie, which is an alphanumeric identifier that helps you to use a web site more efficiently and makes it unnecessary for you to reenter data every time you access a web site. We use cookies to store visitor preferences, record session information, record user-specific information on what pages users access or visit, record past activity at the Site in order to provide better service when visitors return to the Site, and customize web page content based on visitors’ browser type or other information that the visitor sends.
We may also use "Web beacons" or “clear gifts” that monitor your use of the Site. Web beacons are small strings of code that provide a method for delivering a graphic image on a web page for the purpose of transferring data, such as the IP address of the computer that downloaded the page on which the Web beacon appears, the time the page containing the Web beacon was viewed, the types of browser that obtained the Web beacon, and the identification number of any cookie on the computer previously placed by that server. When corresponding with you via HTML capable e-mail, we may use Web beacons to let us know whether you received and opened our e-mail. Cookies and Web beacons do not contain or reveal any personally identifiable information.
Should you wish to remove the cookies feature, most Internet browsers allow you to control the placement of cookies on your hard drive. You may also set your web browser to display HTML e-mails as text only, which may prevent the use of some Web beacons.
Sharing of Information
Your information is very important to us and we share such information only in limited situations. Your personally identifiable information is not shared with other organizations for commercial purposes. We do not sell, trade, or rent your personally identifiable information to any others. We may share your personally identifiable information with agents or contractors who assist in providing support for our internal operations. These companies are contractually bound to use personal information that we share with them only to perform the services we have hired them to provide. Also, we may use your information in connection with offering our products and services. We may also share such information when we believe it is necessary to comply with applicable laws, enforce or apply our Terms of Use http://www.oprs.org/terms.asp, or to protect the rights, property, or safety of OPRS, our customers, or others. This may include disclosure of information in response to a court order, subpoena, or law enforcement agency’s request. We may share such information to a successor entity in connection with a corporate merger, consolidation, sale of assets, or other corporate change. Finally, we may share the information if we otherwise obtain your consent to do so.
Opting Out
When you submit personal information to us through the registration pages on the Site, you will be given an opportunity to opt in to receiving additional information from OPRS and other third parties at the time of submitting your personal information to us. If you opt in, you may be added to our list of users who will receive promotional and marketing communications from us or other third parties. If you initially opt in to receiving such communications and you later decide that you no longer want to receive them, you may opt out of receiving promotional and marketing communications from us by clicking on the following link http://www.oprs.org/mailings.asp and following the instructions on the opt out form.
Privacy Options
If you prefer not to receive traditional mail or other off-line promotions from OPRS please click here http://www.oprs.org/mailings.asp
HIPAA
Please check here http://www.oprs.org/hipaa.asp, to review OPRS’ privacy practices relating to health information.
Security
Our system security is designed to prevent unauthorized access to customer information. We have security measures in place to protect against the loss, misuse, and alteration of your user data under our control.
All personal financial information, including social security numbers, is sent through a secure transmission. This means that any information of this type you send us is protected by encryption, so that it generally cannot be read as the information travels over the Internet. We use secure sockets layer (SSL) software, which is the industry standard for secure transactions. However, such security measures may not prevent all loss, misuse, or alteration of information on the Site.
Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Policy. Inadvertent disclosures may result, for example, when third parties misrepresent their identities in asking the Site for access to personally identifiable information about themselves for purposes of correcting possible factual errors in the data.
Other Web Sites; Links
The Site contains links to other third-party web sites. This does not constitute an endorsement of their policies or products. Please be aware that we are not responsible for the privacy practices, content, use of cookies, or the gathering of other information of such third-party web sites. We suggest you review the privacy policy of every web site you visit.
Children
The Site complies with the terms of the Children’s Online Privacy Protection Act. Under this Act, no web site operator is permitted to require, as a condition to participation in an activity, that a child under the age of 13 disclose more information than is reasonably necessary to participate, and may no collect personal information from a child under the age of 13 without parental consent. We will not knowingly collect personally identifiable information on users under the age of 13 and the content of the Site and the products and services available are not intended for children.
Future Uses and Opt-Out Provisions
We may use customer information for new, unanticipated uses not previously disclosed in our Privacy Policy. If our information practices change at some time in the future, we will post the policy modification to the Site to notify you of these changes. The notice will provide you with an opportunity to opt-out so that we may not use your personally identifiable information in a manner that is different from the manner described at the time that you provided us with such information. If you do not affirmatively opt-out pursuant to the instructions provided to you in the notice, then you agree that we may use your personally identifiable information in the new manner described.
In the event that we update or modify this Privacy Policy, we will strive to post such updates or modifications on the Site for a period of 30 days following any such modifications, and the last date this Privacy Policy was updated will be indicated as of the latest Effective Date at the top of this Privacy Policy. Therefore, you are advised to review this Privacy Policy occasionally, or at least every 30 days. As noted above, your continued use of the Site shall constitute your acceptance of the modified Privacy Policy.
Access to Information
Upon written request to the address below, we will provide the Site visitors with the information that we have collected and that we maintain about them. Consumers can have this information corrected by mailing the corrections to the address below. Privacy Officer, 1001 Kingsmill Parkway, Columbus, Ohio 43229.
To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.
Contact Us
If you have any questions or concerns about this Privacy Policy or its implementation you are invited to contact us. You may send e-mail to: compliance@corp.oprs.org, or you may send regular mail to the following postal address: Privacy Officer, 1001 Kingsmill Parkway, Columbus, Ohio 43229. Should you believe your personal information has been used in a way that is not consistent with this Privacy Policy, please contact us by e-mail at compliance@corp.oprs.org.
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