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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12 Gill Street, Suite 2600, Woburn, MA 01801 Ph: 781-938-6559 FAX: 781-935-5059
2013 SBERA Copyrights Reserved.

 
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