Navigating a negative rate world
The Fed is facing pressure to push rates towards zero, while the ECB is doubling down on its negative rate policy.
Effective Date: October 24, 2016
This policy applies to information we collect:
It does not apply to information collected by:
Children Under 13
We do not knowingly invite children under 13 to visit this Website and we do not knowingly collect personal information from children under 13. For more information about the Children’s Online Privacy Protection Act or COPPA, please visit the U.S. Federal Trade Commission website at www.consumer.ftc.gov/articles/0031-protecting-your-childs-privacy-online.
Information We Collect About You and How We Collect It
We collect several types of information from and about visitors to our Website, including information:
We collect this information:
We do not require that you register or otherwise provide us with personal information to visit this Website. You may choose to provide us with personal information when you complete the “Contact Us” form on our Website. We may also retain records and copies of your correspondence (including email addresses), if you use the “Contact Us” form on this Website.
As you navigate through and interact with our Website, the third party service providers we have retained to view and analyze the traffic to our Website may use automatic data collection technologies to collect information that does not personally identify you, such as:
We use the automatic data collection technology provided by Google Analytics to gather and automatically provide the above listed information to the Google Analytics system. The Google Analytics system immediately aggregates the information. Moreover, we have implemented various features of Google Analytics to avoid collecting personal information about you. Neither Google nor we have access to the specifics of your particular visit to our Website. Both Google and we may see the aggregated data from all visitors for a particular time period.
How We Use Your Information
We use information that we collect about you or that you provide to us, including any personal information:
Disclosure of Your Information
We may disclose aggregated information about all visitors to our Website, and information that does not identify any individual, without restriction.
We may also disclose personal information:
Retention of Your Information
We only retain the data from Google Analytics and our other third party service providers only as long as necessary to complete the purpose for which the information was collected, or as required by law and our record retention policies.
Choices About How We Use and Disclose Your Information
We strive to provide you with choices regarding the personal information you provide to us.
We have implemented administrative, physical and technical safeguards designed to reduce the risk of accidental loss or unauthorized access, use, alteration, and disclosure of personal information in our possession or under our control.