This Privacy Policy was last updated on October 10, 2013.

Our Policy.

True Link Financial, Inc. (owners and operators of www.truelinkfinancial.com, hereafter “True Link Financial”) is committed to respecting and protecting the privacy rights of all users of our websites and services (collectively the “Service”). Please read this Privacy Policy carefully to understand how we collect and use information in connection with the Service. You accept this Privacy Policy when you sign up for, access, or use our products and Services.

Information we collect.

When you interact with us through the Services, we may collect Personal Data and other information from you, as further described below:

Personal data that you provide through the services.

We collect Personal Data from you when you voluntarily provide such information, such as when you contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services. Wherever True Link Financial collects Personal Data, we make an effort to provide a link to this Privacy Policy.

By voluntarily providing us with Personal Data, you are consenting to our use of it in accordance with this Privacy Policy. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of True Link Financial and the authorized third parties referred to herein located in the United States.

Other information:

Non-Identifiable Data: When you interact with True Link Financial through the Services, we receive and store certain personally non-identifiable information. Such information, which is collected passively using various technologies, cannot presently be used to specifically identify you. True Link Financial may store such information itself or such information may be included in databases owned and maintained by True Link Financial affiliates, agents or service providers. The Services may use such information and pool it with other information to track, for example, the total number of visitors to our Site, the number of visitors to each page of our Site, and the domain names of our visitors' Internet service providers. It is important to note that no Personal Data is available or used in this process.

In operating the Services, we may use a technology called "cookies." A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Our cookies help provide additional functionality to the Services and help us analyze Services usage more accurately. For instance, our Services may set a cookie on your browser that allows you to access the Services without needing to remember and then enter a password more than once during a visit to the Services. In all cases in which we use cookies, we will not collect Personal Data except with your permission. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Service features.

Aggregated Personal Data: In an ongoing effort to better understand and serve the users of the Services, True Link Financial often conducts research on its customer demographics, interests, and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and True Link Financial may share this aggregate data with its affiliates, agents, and business partners. This aggregate information does not identify you personally. True Link Financial may also disclose aggregated user statistics in order to describe our services to current and prospective business partners, and to other third parties for other lawful purposes.

Use of your personal information.

True Link Financial uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. If you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to obtain access to the Services, we will use your Personal Data to provide you with access to such services and to monitor your use of such services. True Link Financial and its subsidiaries and affiliates (the “True Link Financial Related Companies”) may also use your Personal Data and other personally non-identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services. True Link Financial and its affiliates may use this information to contact you in the future to tell you about services we believe will be of interest to you. If we do so, each marketing communication we send you will contain instructions permitting you to "opt-out" of receiving future marketing communications. In addition, if at any time you wish not to receive any future marketing communications or you wish to have your name deleted from our mailing lists, please contact us as indicated below.

If True Link Financial intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

Disclosure of your personal information.

True Link Financial is not in the business of selling your information. We consider this information to be a vital part of our relationship with you. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:

Business transfers.

As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution, or similar event, Personal Data may be part of the transferred assets.

Related companies.

We may also share your Personal Data with our Related Companies for purposes consistent with this Privacy Policy.

Agents, consultants, and related third parties:

True Link Financial, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases, and processing payments. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal requirements.

True Link Financial may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend the rights or property of True Link Financial, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

Exclusions.

This Privacy Policy does not apply to any Personal Data collected by True Link Financial other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to True Link Financial through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential, and True Link Financial shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.

Links to other websites.

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by True Link Financial (the “Third Party Sites”). The policies and procedures we described here do not apply to the Third Party Sites. The links from the Services do not imply that True Link Financial endorses or has reviewed the Third Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Security.

True Link Financial takes reasonable precautions to keep the User’s Personal Information secure. We have put in place physical, electronic, and managerial procedures to safeguard the confidentiality and integrity of the information we collect. All personal and sensitive information submitted to True Link Financial through the website is secured by 256-bit Secure Socket Layer (SSL) data encryption. The information is stored on computer servers, which are separate from other corporate information and systems. Our efforts include procedures designed to avoid unauthorized access, alteration, misuse, or disclosure of Personally Identifiable Information.

Our websites and our third-party service providers that collect sensitive financial information, such as credit/debit card information, use encryption and other security measures in the collection and transfer of such information. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to True Link Financial via the Internet.

Notice of security breaches.

If we learn of a security systems breach we may attempt to notify the User electronically so that you can take appropriate protective steps. However, by using our websites or providing Personally Identifiable Information to us, the User agrees that we can communicate with you electronically regarding security, privacy, and administrative issues relating to the User’s use of our websites. We may post a notice on our websites if a security breach occurs. If this happens, the User will need a web browser enabling the User to view our websites. We may also send an email to the User at the email address the User has provided to us in these circumstances. Depending on where you live, the User may have a legal right to receive notice of a security breach in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice) the User should notify us in writing by contacting us at the contact information provided below.

True Link Financial, Inc.,

PO Box 581

San Francisco, CA 94104

1-800-299-7646 – Phone

Changes to True Link Financial’s Privacy Policy.

The Services and our business may change from time to time. As a result, at times it may be necessary for True Link Financial to make changes to this Privacy Policy. True Link Financial reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

Contacting True Link Financial.

Please feel free to contact us if you have any questions about True Link Financial’s Privacy Policy or the information practices of the Services.

True Link Financial, Inc.,

PO Box 581

San Francisco, CA 94104

1-800-299-7646

legal@truelinkfinancial.com