Information Collection and Use
The CUMIS Group Limited is
dedicated to protecting your privacy and only collects data input into this
site for use by you and your designated financial planner in the creation of
your financial plan and to contact you if you request a referral.
You are free to browse the
Life Events Planner without obligation to provide any personal information.
CUMIS does not provide the information to any third parties without your
authorization. Your knowledge and consent are required for the collection, use
or disclosure of your personal information except where required or permitted
by law. Under no circumstances do we sell customer lists or information to
others.
If you choose the referral
option, which is available at several different points on this web site, you
are required to give your contact information (such as name and email address).
This information is used to contact you about the services on our site for
which you have expressed interest. The information provided will be used for contact
purposes only and will only be provided to employees of CUMIS and/or your
credit union.
If you choose to register for
the Financial Planner, any information you submit will be saved and retained by
CUMIS. This information is retained for the purpose of providing you with the
ability to update the information at any time for your own use. The information
you provide will only be provided to others with your explicit consent. You may
forward this information directly to your designated financial planner.
Forwarding this information to your financial planner is solely at your
discretion.
This web site contains links
to other sites. Please be aware that CUMIS is not responsible for the privacy
practices of such other sites. We encourage our users to be aware when they
leave our site and to read the privacy statements of each and every web site
that collects personally identifiable information. CUMIS is not responsible
for the actions of these third parties, and any collection of personal information
is in accordance with the privacy policy located at that site.
From time-to-time, our site
requests information from you via surveys or contests. Participation in these
surveys or contests is completely voluntary and you therefore have a choice
whether or not to disclose this information. Information requested may include
contact information (such as name and email address), and demographic
information (such as postal code). Contact information will be used to notify the
winners and award prizes. Survey information will be used for purposes of
monitoring or improving the use and satisfaction of this site.
Any e-mail
communication over the Internet is subject to possible interception or loss and
is also subject to possible alteration. CUMIS is not responsible for and will
not be liable to you or anyone else for damages resulting from interception,
loss or alteration in connection with an e-mail sent by you to CUMIS or an
e-mail sent by CUMIS to you.
Notification of
Changes
If we decide to
change our privacy policy, we will post those changes on our home page so you
are always aware of what information we collect, how we use it, and under
circumstances, if any, we disclose it. If at any point we decide to use
personally identifiable information in a manner different from that stated at
the time it was collected, we will notify you by way of an email. You will have
a choice as to whether or not we use your information in this different manner.
We will use information in accordance with the privacy policy under which the
information was collected.
When
you send us an e-mail or ask us to respond to you via e-mail, we learn your
e-mail address and any information you have included in the e-mail. If you have
asked that information about products and services be sent to you via e-mail by
your credit union, you may ask your credit union to stop sending the
information at any time.
Legal Notice
COPYRIGHT
The information on
this web site is protected by copyright. Users of the web site are not
authorized to redistribute, reproduce, republish, store in any medium,
re-transmit, modify, or make public or commercial use of the information
without the written authorization of the CUMIS Group Limited.
The display of
logos on pages of the site does not imply that a license of any kind has been
granted to anyone else. Any unauthorized downloading, re-transmission or other
copying or modification of logos and/or the content of the site may be a
violation of any federal or other law that may apply to logos and or copyrights
and could subject the copier to legal action. CUMIS prohibits the use of the
logos and registered names as hyperlinks to any other web sites without written
authorization.
INFORMATION
ACCURACY
These interactive
calculators are made available to you for informational purposes only and are
not intended to provide financial, legal, accounting or tax advice, and should
not be relied upon in that regard. Although we believe the calculators to be
accurate and complete, we accept no liability and through such calculators, do
not intend to provide you with any financial, legal, tax, or accounting advice,
or advice regarding the suitability or profitability of any product or investment,
or any decision in respect thereof. No reliance may be placed on us for any
such advice and we encourage you to seek personalized advice from qualified
professionals regarding any major financial decisions. The information
contained herein is subject to change and update at any time without prior
notice.
E-MAIL
Any unprotected e-mail communication over the Internet is not confidential; is
subject to possible interception or loss; and is also subject to possible
alteration. CUMIS is not responsible for and will not be liable to you or any
one else for any damages in connection with an e-mail sent by you to CUMIS or a
credit union, or an e-mail sent by CUMIS to you at your request.
WARRANTIES
CUMIS does not
warrant that the site will be available and that it will meet your
requirements, nor does it warrant that access will not be interrupted, that
there will be no delays, failures, errors or omissions, or loss of transmitted
information, that no viruses or other contaminating or destructive properties will
be transmitted, or that no damage will occur to your computer system.
DEFINITIONS
The definitions
provided have no contractual value and may differ from the definitions within a
contract. A person must refer solely to the terms and conditions of the applicable
agreement governing it to establish its rights and obligations there under.
Calculations or projected results are provided for illustration only and are
not guaranteed to be accurate or complete, being based on hypotheses. The
default values are provided for illustrative purposes only and solely as a
reference.
LINKS
Links to other web
sites or references to products, services or publications are provided only for
your convenience and do not imply the endorsement or approval of such web
sites, products, services, or publications by CUMIS. We cannot vouch for the
currency, accuracy, completeness, or authenticity of any site content or
functionality or of any such references. Linking to any other site shall be at
your sole risk, and CUMIS will not be responsible or liable for any damages in
connection with any such linking. Links to downloadable software sites are
provided for your convenience only and CUMIS is not responsible or liable for
any difficulties or consequences associated with downloading the software. Use
of any downloaded software is governed by the terms of the license
agreement,