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. These rules and policies apply only to residents and users within the United States of America.
Financial companies choose what personal information they collect and how they share your personal information. Federal law gives you the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
The Information We Collect
JOYN, Inc., together with its affiliated companies (herein referred to as “JOYN”, “JOYN”, “we”, “us”, and/or “our”) operate this website and the content therein as well as related websites (collectively, the “Website”). This notice applies to all information collected or submitted on the Website.
The types of information we collect and share depend upon what pages you visit on our Website. On some web pages, for example, you can make requests and register to receive materials. On other pages, you may fill out request forms. The type of personal information we may collect is detailed below. This list is not meant to be a comprehensive compilation of all the types of information we may choose to collect now or in the future under all circumstances. For example, data collected may be limited to email address in one instance and in another limited to site usage pattern, or only as part of aggregate data and none at an individual level in yet another instance.
- Name, Address and Telephone number(s)
- Email Address
- Subscribe/ unsubscribe to information and periodic messages from JOYN
- Login times and dates and details (for example, name, email, user ID and password)
- Password changes
- Computer information such as browser version, screen resolution & operating system version
- Site navigation
- Search requests and results
- Interests, feedback and referrals
- Length of visit and/or number of pages visited
- Requests for additional information made
How We Use Information
We use information you provide about yourself when placing a request to complete that request. We do not use the information collected for any purpose other than to enhance the content and user experience within JOYN websites and to identify products and services which may be of interest to you. We do not share personal information with outside parties except as may be required to complete the request or as compelled to do so by law enforcement authorities.
We use the information you provide about someone else when placing a request only to address your request. We do not share this information with outside parties except to the extent necessary to complete the request.
We use return email addresses to answer the email we receive or to subscribe to RSS feeds and the like as you request. Such addresses are not used for any other purpose and are not shared with outside parties.
You can choose to register with our website if you would like to receive our newsletters or updates on our products and services or register for one of our events. Information you submit on our website will not be used for any other purpose unless you opt-in for additional services.
In some instances, we may collect passive information through “cookies” and other similar mechanisms to enhance user experience.
|Reasons we share your personal information||Does JOYN share?||Can you limit that sharing?|
|For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus||YES||NO|
|For our marketing purposes — to offer our products and services to you||YES||NO|
|For joint marketing with other financial companies||NO||N/A|
|For our affiliates’ everyday business purposes — information about your transactions and experiences||YES||NO|
|For our affiliates’ everyday business purposes — information about your creditworthiness||NO||N/A|
|For our affiliates to market to you||YES||NO|
|For non-affiliates to market to you||NO||N/A|
Disclosure of Personal Information
Disclosure of personal information without prior consent is permitted by law only in very limited and exceptional circumstances, such as an emergency that threatens an individual’s life, health or security. In such cases we may have to disclose your personal information without your consent.
We use non-identifying and aggregate information to improve our website and to improve content and usability. For example, we may collect information that X number of individuals visited a certain area on our website, or that Y number of men and Z number of women filled out our registration form, but we would not disclose anything that could be used to identify those individuals. This non-personal information may be collected and analyzed by third parties to improve our services to you.
Our Commitment To Data Security
Security of your personal information is very important to us. JOYN takes all reasonable precautions to protect personal information that we collect from you. We comply with all industry regulations and have put in place a number of policies and procedures to safeguard our clients’ funds and identities. Your personal information is held in databases we deem secure, protected by firewalls, and accessible only by password. To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place reasonable physical, electronic, and other procedures to safeguard and secure your personal information.
How You Can Access Or Correct Your Information
Current clients of JOYN can access some of their personally identifiable information that we collect online and maintain by contacting your JOYN Advisor. 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 error.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.
How To Contact Us
This policy was last updated in February 2015.