- This policy covers how Arcs treats personal information that Arcs collects and receives, including information related to your past use of Arcs products and services. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
- This policy does not apply to the practices of companies that Arcs does not own or control, or to people that Arcs does not employ or manage.
- Arcs participates in the Safe Harbor program developed by the U.S. Department of Commerce and the European Union. To view our certification, visit the U.S. Department of Commerce's Safe Harbor Web site.
Collection and Use of Information
- Arcs collects personal information when you register with Arcs when you use Arcs products or services, when you visit Arcs pages or the pages of certain Arcs partners, and when you enter promotions or sweepstakes. Arcs may combine information about you that we have with information that we obtain from business partners or other companies.
- When you register we ask for information such as your name, email address, birth date, gender, Zip code, profession, industry, and personal interests. For some financial products and services we might also ask for your address, Social Security Number, and information about your assets. When you register with Arcs and sign in to our services, you are actually not anonymous to us.
- Arcs collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we may offer.
- Arcs automatically receives and records information in our web server logs from your browser, including your IP address, Arcs cookie information, and the web page you request.
- Arcs contracts with other companies to provide services on our behalf, including credit card and billing processing, shipping, e-mail message distribution, list processing, analytics, and promotions management.
- Arcs uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.
- When a child under age 13 attempts to register with Arcs we ask the child to have a parent or guardian create a Arcs Family Account (AFA) to obtain parental permission.
- Arcs does not knowingly contact children under age 13 about special offers or for marketing purposes without a parent's permission.
- Arcs does not knowingly ask a child under age 13 for more personal information, as a condition of participation, than is reasonably necessary to participate in a given activity or promotion.
Sharing and Disclosure of Information
Arcs does not rent, sell, or share personal information about you with other people or non-affiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:
- We provide the information to trusted partners who work on behalf of or with Arcs under confidentiality agreements. These companies may use your personal information to help Arcs communicate with you about offers from Arcs and our marketing partners. However, these companies do not have any independent right to share this information.
- We have a parent's permission to share the information if the user is a child under age 13. Parents have the option of allowing Arcs to collect and use their child's information without consenting to Arcs sharing of this information with individuals and business entities who may use this information for their own purposes.
- We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
Arcs displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria.
- Arcs does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
- Arcs advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).
- Arcs works with vendors, partners, advertisers, and other service providers in different industries and categories of business.
- Arcs may set and access Arcs cookies on your computer.
- Arcs lets other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to Arcs 's cookies.
Your Ability to Edit and Delete Your Account Information and Preferences
- We reserve the right to send you certain communications relating to the Arcs service, such as service announcements, administrative messages, and the Arcs Newsletter, which are considered part of your Arcs account, without offering you the opportunity to opt out of receiving them.
- Parents can review, edit, and delete information relating to their child's Arcs account using the Arcs on-line interfaces.
- We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
- We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
- Arcs may update this policy from time to time. We shall notify you about significant changes of how we treat personal information by sending a notice to the primary email address specified in your Arcs account or by placing a prominent notice on our website.
Questions and Suggestions
- If you have questions or suggestions, please contact us.
NOTICE: For important information about safe surfing from the Federal Trade Commission, please Click here.
Effective Date: Wednesday, July 13, 2005.