PRIVACY Policy

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.

Referral Process

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.

Financial Planner

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.

Links

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.

Surveys and Contests

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.

Security

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.

E-mail

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

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