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Terms and Conditions/Privacy Policy ==================================== Advantages In Options (AIO) respects each individual's right to privacy. We value our relationship with you, and we take pride in maintaining loyalty and respect with each individual client by providing you with security. We realize how important it is for us to safeguard any personal information that may reveal your identity or account information, whether you are our customer or a visitor to our website's public domain. To show our commitment to your security, we extend the following pledge to you. Your Privacy is Our Priority AIO is committed to safeguarding the personal information that you provide us. This Privacy Policy describes how we handle and protect personal information we collect about individuals, such as you, who apply for or receive our products and services. The provisions of this notice apply to former customers as well as our current customers. Why and How We Collect Personal Information When you apply for or maintain an account with AIO, we collect personal information about you for business purposes, such as evaluating your financial needs, processing your requests and transactions, informing you about products and services that may be of interest to you, and providing customer service. The personal information we collect about you includes: information you provide to us on applications and other forms, such as your name, address, date of birth, social security number, occupation, assets, and income; information about your transactions with us and with our affiliates; information we receive from consumer reporting agencies, such as your credit history and creditworthiness, and other entities not affiliated with AIO; and information you provide to us to verify your identity, such as a passport, or received from other entities not affiliated with AIO. How We Protect Personal Information We limit access to your personal information to those employees who need to know in order to conduct our business, service your account, and help you accomplish your financial objectives, such as providing you with a broad range of products and services. Our employees are required to maintain and protect the confidentiality of your personal information and must follow established procedures to do so. We maintain physical, electronic, and procedural safeguards to protect your personal information. We do not rent or sell your name or personal information to anyone. About Cookies Cookies are small files containing information that a Web site uses to track its visitors. AIO may set and access AIO cookies on your computer, enabling us to learn which advertisements and promotions bring users to our website. AIO or any of its divisions may use cookies. Currently, third party companies do not have access to AIO's cookies. In the future AIO may use third party services to access our cookies, in connection with AIO's, products and services and to track your activities on our websites. In such case, the information that we collect and share would be anonymous and not personally identifiable. About Hyperlinks AIO's websites may contain hyperlinks or "links" to other sites, and other sites may "link" to our sites. These websites that may be linking to or from AIO's sites provide a separate privacy policy than AIO does. AIO's privacy policy applies exclusively to AIO and information collected by our websites. AIO is not responsible for the privacy policies or the content of the sites you link to, nor do we have control over the use or security of information provided by you or collected by those sites. If you choose to link to one of these websites, you may be asked to supply registration or other information. It is important that you realize this information is going to a third party, and you should become familiar with the privacy policy provided by that third party. Disclosure to Non-Affiliated Third Parties In order to support the financial products and services we provide to you, we may share the personal information described above with third-party service providers and joint marketers not affiliated with us, including: financial service institutions (e.g., advisers, dealers, brokers, trust companies and banks) with whom we have joint marketing agreements, such as agreements to market financial services or products that we jointly offer, endorse or sponsor; and companies under contract to perform services for us or on our behalf, such as vendors that prepare and mail statements and transaction confirmations or provide data processing, computer software maintenance and development, transaction processing and marketing services. These companies acting on our behalf are required to keep your personal information confidential. Also, we may disclose personal information with non-affiliated companies and regulatory authorities as permitted or required by applicable law. For example, we may disclose personal information to cooperate with regulatory authorities and law enforcement agencies to comply with subpoenas or other official requests, and as necessary to protect our rights or property. Except as described in this privacy policy, we will not use your personal information for any other purpose unless we describe how such information will be used at the time you disclose it to us or we obtain your permission to do so. Accessing and Revisiting Your Personal Information We endeavor to keep our customer files complete and accurate. We will give you reasonable access to the information we have about you. Most of this information is contained in account statements that you receive from us and applications that you submit to obtain our products and services. We encourage you to review this information and notify us if you believe any information should be corrected or updated. If you have a question or concern about your personal information or this privacy notice, please contact your broker at 800-780-7001
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