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Privacy Policy

This document sets forth the privacy policy (“privacy policy”) for CPA Mutual site including the website www.cpamutual.com. CPA Mutual values the protection of individual privacy and is committed to the privacy of its visitors. This privacy policy sets forth CPA Mutual’s privacy policy for the site, and governs the manner in which CPA Mutual collects, uses, maintains and discloses information collected from users of the site. By using the site, you agree to be bound by this privacy policy. If you do not agree to this privacy policy, do not use the site in any manner. This privacy policy does not govern privacy practices associated with offline activities or activities occurring on websites not under CPA Mutual’s control.

THE INFORMATION CPA MUTUAL COLLECTS

CPA Mutual has implemented features of Google tracking code such as Google Analytics demographics and interest reporting, including cookies.

Personally identifiable information. During your interactions with the site, such as when you register with the site, CPA Mutual may wish to collect information that personally identifies who you are, such as your name, address, email address and/or telephone number.

Anonymous information. CPA Mutual may collect non-personally-identifiable information during your visit. Examples of non-personally-identifiable information may include your internet access provider, your computer’s internet protocol (IP) address, information regarding your user profile, your browser and operating system, the date and time of your visit, the pages you visit, the address of any site you linked from, and aggregate, statistical data such as usage, traffic patterns and user demographics based on your use of the site. CPA Mutual collects non-personally-identifiable information in order to, among other things, provide you with or assist in the provision of information through the site, to maintain the performance of the site, and to make the site more useful.

CPA MUTUAL’S USE AND DISCLOSURE OF COLLECTED INFORMATION

Personally identifiable information use. CPA Mutual may collect personally identifiable information such as your name, address or e-mail address in order to, among other things, add you to its database, send you CPA Mutual updates and newsletters, and provide you with the information and/or services that you have requested through the site. By providing such personal information, you agree to such uses. CPA Mutual retains such personally identifiable information only for as long as is necessary depending on the reason for your submission of such personally identifiable information, and collects no more personally identifiable information than is reasonably necessary to provide you with the services for which such information is collected.

Personally identifiable information disclosure.  CPA Mutual recognizes your trust and fully respects your privacy. CPA Mutual does not sell or otherwise disclose any personally identifiable information to any third parties other than: (1) as required by law; (2) in the event of a sale, merger, public offering, bankruptcy or other change in control of CPA Mutual and/or the site; or (3) with your affirmative consent at the time you provide such information. If you have indicated that you would like to receive information from CPA Mutual, we may send you occasional updates via e-mail. If you prefer not to receive these e-mail updates, simply follow the instructions on how to unsubscribe included in the messages you receive.

Disclosure to agents of CPA Mutual. From time to time, CPA Mutual may share the information you provide to CPA Mutual, including personally identifiable information, with outside contractors, auditors, consultants, or others hired by CPA Mutual to assist in providing financial or operational activities on CPA Mutual’s behalf including technical and processing services and analysis of website performance. CPA Mutual informs these parties about safeguarding personally identifiable information, and requires them to use such personally identifiable information only for an authorized purpose on behalf of CPA Mutual and consistent with this privacy policy.

ELECTRONICALLY PRODUCED DATA

Cookies. This site, like many others, uses cookies and other tools to collect information about how you use the site. A cookie is a small, unique text file that a website can send to your computer hard drive when you visit a site. CPA Mutual may use “session cookies”, which terminate when a user closes his or her browser, and/or “persistent cookies”, which remain on the user’s computer until manually deleted. Most web browsers can either alert you to the use of cookies or refuse to accept cookies entirely. If you do not want CPA Mutual to deploy cookies in your browser, you can set your browser to reject cookies or to notify you when a website tries to put a cookie on your computer. Rejecting cookies may affect your ability to use the site.

IP addresses. An IP address is a number that is assigned to your computer when you use the internet. Like most standard website servers, CPA Mutual collects IP addresses and other technical information about your machine through your web browser such as your operating system, browser type and referring URL for the purposes of, among other things, system administration and to ensure the validity of user requests.

Log files. Like most standard website servers, CPA Mutual gathers certain information automatically and stores it in secure log files, which contain information such as, among other things, IP addresses, browser type, operating system, ISP, date/time stamps and referring pages. Among other things, this information allows CPA Mutual to track statistics and trends on an aggregate basis.

MAINTENANCE OF INFORMATION AND SECURITY

Protections. CPA Mutual maintains physical, electronic and procedural safeguards to protect the confidentiality and security of any personally identifiable information that you disclose to CPA Mutual. CPA Mutual utilizes what CPA Mutual believes to be industry standard security measures to protect the loss, misuse and alteration of personally identifiable information under CPA Mutual’s control, and CPA Mutual limits access to your personally identifiable information within CPA Mutual to those employees who need to know the personally identifiable information to provide information, services and/or products to you. However, due to the nature of the internet, computer networks, systems and other factors, no transmission of data over the internet is guaranteed to be completely secure. It may be possible for third parties not under the control of CPA Mutual to intercept or access transmissions or private communications unlawfully, regardless of CPA Mutual’s best intentions. As such, CPA Mutual cannot ensure or warrant the security of any information you transmit to CPA Mutual, including without limitation personally identifiable information.

REVIEW OR CORRECTION OF PERSON INFORMATION

You may review, request corrections, ask that we delete, or refuse further collection or use of the personally identifiable information CPA Mutual collects from you. You may do this by contacting CPA Mutual using the contact information provided at the end of this document. In the event CPA Mutual changes this privacy policy to allow disclosure of personally identifiable information to third parties, you will have the option to agree to the collection and use of such information.

OTHER INFORMATION

Consent to receive notices via the site. By submitting any personally identifiable information to the site, you are agreeing that CPA Mutual may deliver all privacy and opt out notices to you electronically, including via email to the most recent email address you have provided to CPA Mutual. By using the site, you are agreeing that CPA Mutual may deliver all privacy and opt out notices to you via posting on the site.

Links. The site may contain links to third party sites at which your personally identifiable information is collected and used. Your visit to any third party website is governed by the privacy and other policies applicable to that site. CPA Mutual cannot control nor is it responsible for any such third party collection or use of your personally identifiable information or the content or policies of such sites, and CPA Mutual expressly disclaims any liability related to such sites.

Web logs and other forums. The site may offer web logs, web postings, bulletin boards, chat rooms, newsgroups or other forums which permit users to interact online. Any information you transmit or post online in such forums will be made public and CPA Mutual cannot control nor is it responsible for the use any third party may make of such information.

Changes to our privacy policy. Our privacy policy is intended to provide you with the safest and most secure experience possible. Since offerings and technologies change, we reserve the right to change, modify, add or remove portions of our policy at any time without prior notice at our sole discretion. All privacy policy changes will be posted on the site and are effective immediately upon posting. Consequently, you are advised to visit and review this privacy policy frequently for changes. Last date on which this privacy policy has been updated is noted below.

Limitation of liability. You understand and agree that any dispute over privacy is subject to the terms and conditions of this privacy policy and CPA Mutual’s terms of use (including any limitations on damages contained therein).

CPA MUTUALCONTACT INFORMATION

If you have any questions or comments regarding this privacy policy, or wish to review or revise any personally identifiable information as provided herein, please contact CPA Mutual at the address and phone number listed on this site.