First Responders Financial

First Responders Financial Services LLC ("FRFS”) recognizes that personal privacy is very important to visitors who access this site. Accordingly, FRFS has adopted the following policies to further its commitment to privacy:

1. FRFS may collect, retain and use personal information to facilitate the administration of this site, its business and to provide you with access directly or by hyperlink to the providers of products, services or other opportunities described in this site. In addition to any information that you provide, FRFS may collect certain statistical and non-identifiable information about the visits to this site. For example, FRFS may collect the domain name from which the visitors to our site access the Internet (for example, aol.com if you are accessing the Internet from America Online, or columbia.edu if you are accessing the Internet from Columbia University).

2. You can visit the public areas of this site without revealing personal information about yourself. Certain persons may also qualify for a password enabling them to visit certain private areas of this site. Those persons will be asked to provide certain personal information. If you would rather not provide this information, you may still access the public areas of this site.

3. If FRFS has provided you with or enabled you to designate an access password to certain private areas of this site, you may choose to access those private portions of this site using your assigned password only.

4. This site may use "cookies." A cookie allows a site to be customized to your preferences by placing a small application on the hard drive of your computer. The cookie allows the server to recognize your computer when you return to the site and to track and store information about your navigation on this site. For example, cookies may allow you to keep from having to re-type your access password to this site In order to use some of the functions of this site (for example accessing the password-protected areas). You must enable your browser to accept cookies. FRFS uses the information gathered through cookies to improve the design and content of this site. Most Web browsers have features that can inform you of when a cookie is being sent and can allow users to opt out of receiving cookies. If you are unsure of whether your browser has this capability, you should contact the software manufacturer or your Internet service provider.

5. The information that FRFS collects from this site may be used by FRFS and its affiliates for internal analyses, marketing and/or product development purposes. If you prefer that information about you not be shared with FRFS affiliates, please contact us by sending an e-mail message to info@firstresponders.com . FRFS does not disclose personally identifiable information to third-party marketing organizations. Other than as described in paragraph 6, FRFS will not disclose personally identifiable information about persons not affiliated with FRFS unless those persons have been notified in advance and have not objected, have otherwise authorized such disclosure or FRFS is required to do so by law or by the request of a governmental agency with regulatory authority.

6. In the limited circumstances under which FRFS may provide personally identifiable information to a nonaffiliated third party, including providers of financial products and services you contact through this site or by hyperlink, or those necessary to the operation of its business, FRFS expects that the nonaffiliated third party will adhere to policies that provide for keeping such information confidential.

7. FRFS will endeavor to maintain personally identifiable information in accordance with internal policies and procedures governing use and disclosure of confidential information. Those policies and procedures are designed to help prevent unauthorized access to confidential information that is maintained on the site server.

8. FRFS may revise these terms at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms. Your continued use of this site after any such revisions will constitute your acceptance of the new terms and their application to your use of the FRFS site and the information disclosed for such use, including information previously furnished to FRFS, as if they were the initial terms.

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