PRIVACY POLICY:
We appreciate your interest in us.
This privacy statement discloses the
privacy practices for Savings Banks
Employees Retirement Association,
(hereinafter referred to as SBERA), http://www.sbera.com.
This website has agreed to disclose its
information practices and its privacy
practices.
Privacy Notice
Table Of Contents:
Our Commitment To Privacy
The Information We Collect
How We Use Information
Our Commitment To Data
Security
Our Commitment To Children's
Privacy
How To Access Or Correct
Your Information
Collecting and Using
Personal Information
Your E-Mail
Cookies (What Are Cookies)
Linking to Other Sites
No liability for linked
sites
Log Files
Security (How Do We Protect
Your Information)
Changes to this policy
Legal disclaimer
Trademarks
How To Contact Us
Our Commitment To
Privacy
Your privacy is important to us. To
better protect your privacy we provide
this notice explaining our online
information practices and the choices you
can make about the way your information
is collected and used. To make this
notice easy to find, we make it available
on our homepage and at every point where
personally identifiable information may
be requested.
The Information We
Collect
This notice applies to all information
collected or submitted on the website.
The types of personal information
collected at these pages include such
items as name, address, social security
number, telephone numbers etc.
How We Use
Information
We use the information you provide about
yourself when opening an account or
processing a transaction. We do not share
this information with outside parties
except to the extent necessary to
complete the transaction or otherwise
stated. We use return email addresses to
answer the email we receive. Such
addresses are not used for any other
purpose and are not shared with outside
parties without your permission, or under
the following condition.
SBERA and its affiliated companies might
share personal information such as names
and addresses and telephone numbers with
companies that have confidentiality
agreements with us. These companies may
contact you with promotional or marketing
material. These companies however do not
have permission to share the information
with other companies.
Finally, we never use or share the
personally identifiable information
provided to us online in ways unrelated
to the ones described above without also
providing you an opportunity to opt-out
or otherwise prohibit such unrelated
uses.
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Our Commitment To
Data Security
To prevent unauthorized access, maintain
data accuracy, and ensure the correct use
of information, we have put in place
appropriate physical, electronic, and
managerial procedures to safeguard and
secure the information we collect online.
Our Commitment To
Children's Privacy
Protecting the privacy of the very young
is especially important. For that reason,
we never collect or maintain information
at our website from those we actually
know are under 13, and no part of our
website is structured to attract anyone
under 13.
How To Access Or
Correct Your Information
You can access all your personally
identifiable information that we collect
online and maintain on a secure server.
We use this procedure to better safeguard
your information. You can correct factual
errors in your personally identifiable
information by sending us a request that
credibly shows the error or by using the
secure access provided on the website. To
protect your privacy and security, we
will also take reasonable steps to verify
your identity before granting access or
making corrections.
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Collecting and
Using Personal Information
SBERA is the sole owner of the
information collected on this site. We
will not sell, share, or rent this
information to others in ways different
from what is disclosed in this statement.
When you visit and navigate our site and
when you communicate with us via our
site, we will not collect personal
information about you, unless you provide
us that information voluntarily. If you
provide personal information to us
voluntarily via our Web site, we will not
sell, license or transmit that
information outside of SBERA and those
affiliated companies involved in
administering or providing services to
our financial products, or companies with
whom we have exclusive marketing
agreements, unless required to do so by
legal, judicial or governmental
proceedings, or unless we do so in
accordance with an express authorization
you may have given us. Also, in some
cases, we may disclose information to our
contractors or agents for the purpose of
enabling them to perform certain
functions for us. We will disclose
information in compliance with applicable
laws and regulations. By "personal
information", we mean data that is
unique to an individual, such as a name,
address, social security number,
telephone number etc. From time to time,
we may request personal information from
you at our sites in order to deliver
requested materials to you, respond to
your questions, or deliver a product or
service.
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Your E-Mail
We welcome your comments or questions
about our Web site and have provided
e-mail boxes for that purpose. We will
share your comments and questions with
our customer service representatives and
those employees most capable of
addressing your questions and concerns.
Please note that your e-mail, like most,
if not all, non-encrypted Internet e-mail
communications, may be accessed and
viewed by other Internet users, without
your knowledge and permission, while in
transit to us. For that reason, to
protect your privacy, please do not use
e-mail to communicate information to us
that you consider confidential. You may
contact us via telephone or fax at the
numbers provided at the various locations
on our sites though we would prefer the
correspondence by e-mail. There are some
locations on the Web site where we have
made special provisions for a more secure
environment in which we can exchange
information with you. At each of these
locations, we will provide you with
appropriate instructions.
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Cookies (What Are
Cookies)
Like most commercial Web site owners, we
may also use what is known as
"cookie" technology. A
"cookie" is an element of data
that a Web site can send to your browser
when you link to that Web site. It is not
a computer program and has no ability to
read data residing on your computer or
instruct it to perform any step or
function. By assigning a unique data
element to each visitor, the Web site is
able to recognize repeat users, track
usage patterns and better serve you when
you return to that site. The cookie does
not extract other personal information
about you, such as your name or address.
Most browsers provide a simple procedure
that will enable you to control whether
you want to receive cookies by notifying
you when a Web site is about to deposit a
cookie file. Once the user closes their
browser, the cookie simply terminates.
For instance, by setting a cookie on our
site, the user would not have to log in a
password more than once, thereby saving
time while on our site.
You should also be aware that when you
visit our Web site, we collect certain
information that does not identify you
personally, but provides us with
"usage data," such as the
number of visitors we receive or what
pages are visited most often. This data
helps us to analyze and improve the
usefulness of the information we provide
at these Web sites.
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Linking to Other
Sites
From time to time, this site may provide
links to other sites, not owned or
controlled by SBERA that we think might
be useful or of interest to you. We
cannot, however, be responsible for the
content or privacy practices used by
other site owners.
No liability for
linked sites
Please note that once you leave this
site, either by using a link we may have
provided for your convenience or by
specifying your own destination, SBERA
accepts no responsibility for the
content, products and/or services
provided at these non-SBERA locations.
SBERA does not control, endorse, promote
or have any affiliation with any other
Web site unless expressly stated herein.
Log Files
Like most standard Web site servers we
use log files. This includes internet
protocol (IP) addresses, browser type,
internet service provider (ISP),
referring/exit pages, platform type,
date/time stamp, and number of clicks to
analyze trends, administer the site,
track user's movement in the aggregate,
and gather broad demographic information
for aggregate use. We use IP addresses to
analyze trends, administer the site,
track user's movement, and gather broad
demographic information for aggregate
use. IP addresses are not linked to
personally identifiable information.
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Security (How Do
We Protect Your Information)
This website takes every precaution to
protect our users' information. When
users submit sensitive information via
the website, their information is
protected both online and off-line. When
our registration/order form asks users to
enter sensitive information (such as a
credit card number and/or Social Security
number), that information is encrypted
and is protected with the best encryption
software in the industry-SSL. While on a
secure page, the lock icon at the bottom
of Web browsers, such as Netscape
Navigator and Microsoft Internet
Explorer, becomes locked. To learn more
about SSL, follow this link http://developer.netscape.com/tech/security/ssl/protocol.html.
While we use SSL encryption to protect
sensitive information online, we also do
everything in our power to protect
user-information off-line. All of our
users' information, not just the
sensitive information mentioned above, is
restricted in our offices. Only employees
who need the information to perform a
specific job (for example, our billing
clerk or a customer service
representative) are granted access to
personally identifiable information. Our
employees must use password-protected
screen-savers when they leave their desk.
When they return, they must re-enter
their password to re-gain access to your
information. Furthermore, all employees
are kept up-to-date on our security and
privacy practices. Every quarter, as well
as any time new policies are added, our
employees are notified and/or reminded
about the importance we place on privacy,
and what they can do to ensure our
customers' information is protected.
Finally, the servers that we store
personally identifiable information on
are kept in a secure environment, behind
locked doors.
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Changes to this
policy
SBERA may change this Privacy Policy
Statement from time to time. This
Statement is not intended to and does not
create any contractual or other legal
rights in or on behalf of any party.
LEGAL DISCLAIMER
Notice specific to
documents available on this website
SBERA makes no representations about the
suitability of the information contained
in the documents and related graphics
published on this server for any purpose.
All such documents and related graphics
are provided "as is" without
warranty of any kind. SBERA hereby
disclaims all warranties and conditions
with regard to this information,
including all implied warranties and
conditions of merchantability, fitness
for a particular purpose, title and
non-infringement. In no event shall SBERA
be liable for any special, indirect or
consequential damages or any damages
whatsoever resulting from loss of use,
data or profits, whether in an action of
contract, negligence or other action,
arising out of or in connection with the
use or performance of information
available from this website. The
documents and related graphics published
on this server could include technical
inaccuracies or typographical errors.
Changes are periodically added to the
information herein. SBERA may make
improvements and/or changes in the
product(s) and/or the program(s)
described herein at any time.
Trademarks
Microsoft, Windows, Windows NT, MSN, The
Microsoft Network Microsoft FrontPage
and/or other Microsoft products
referenced herein are either trademarks
or registered trademarks of Microsoft.
Netscape Navigator and other referenced
products are registered trademarks of
Netscape Communications Corporation.
Other product and company names mentioned
herein might be the trademarks of their
respective owners. The other names of
companies, products, people, characters
and/or data mentioned herein are
fictitious and are in no way intended to
represent any real individual, company,
product or event, unless otherwise noted.
Any rights not expressly granted herein
are reserved. Reproduction in whole or in
part, in any form or medium, without
express written permission is prohibited.
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How To Contact Us
Should you have other questions or
concerns about this privacy policy,
please contact us
Phone: 781-938-6559
Fax: 781-935-5059
Email: webmaster@sbera.com
Postal Address : 12 Gill Street, Suite 2600,
Woburn, MA 01801
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