Overview

Website Privacy Policy

INTRODUCTION
The privacy practices of Lamplighter Financial, LLC (the “Company”) described in this Website Privacy Policy apply to the information and services available under the domain and subdomains of www.lamplighterfinancial.com (the “Website”). We recognize that privacy is important to users of the Website, so we design and operate our Website with your privacy in mind. This Website Privacy Policy outlines the types of personal information we may gather when you visit our Website or use our services, as well as some of the steps we take to safeguard it. Please read this Website Privacy Policy to learn more about the ways in which we protect, use and disclose your personal information. This Website Privacy Policy is only applicable to the Website, and not to any other websites that you may be able to access from the Website, each of which may have data collection and use practices and policies that differ materially from this Policy.  By visiting the Website, you agree to be bound by the terms and conditions of this Website Privacy Policy and the Terms of Use. If you do not agree to the terms of this Website Privacy Policy, or if at any time you find this Website Privacy Policy unacceptable, you must cease use of the Website.

By accepting the Website Privacy Policy and the Terms of Use, you expressly consent to our use and disclosure of your personal information in accordance with this Website Privacy Policy. This Website Privacy Policy is incorporated into and subject to the Terms of Use, including limitations on damages and application of the law of the state of California, as described therein. This Website Privacy Policy is effective when accepted by new users, and is otherwise effective on September 1, 2013, for all users.

COLLECTION OF INFORMATION
In general, you can browse the non-password-protected sections of the Website without telling us who you are or revealing any personal information about yourself. We automatically track certain information that your browser makes available whenever you visit a website. This information includes your Internet Protocol address, browser type, browser language and one or more files that may uniquely identify your browser.

We also may use data collection devices such as “cookies” on certain pages of the Website to help analyze our web page flow, measure effectiveness, and promote trust and safety. “Cookies” are small files placed on your hard drive that assist us in providing our services. We offer certain features that are only available through the use of a “cookie.” Cookies can also help us provide information that is targeted to your interests. Most cookies are “session cookies,” meaning that they are automatically deleted from your hard drive at the end of a session. You are always free to decline our cookies if your browser permits, although in that case you may not be able to use certain features on the Website and you may be required to reenter your password more frequently during a session. We use cookies to better understand how people interact with us.

If you apply for a password to access password-restricted areas on this Website, you must provide to us your name, mailing address, email address, phone number, and other personal information.

USE AND SHARING OF INFORMATION
Our policy is that:

  • We will not disclose any non-public personal information about you to any third parties without your consent, except a necessary to provide you with the services offered by us or to comply with the law. To the extent permitted by law, we may share non-public personal information with certain service providers in order to provide or improve the services offered by us, and we require those service providers to keep the non-public information confidential.  If you provide additional information to a service provider directly, their use of your personal information is governed by their applicable privacy policy.
  • We restrict access to non-public personal information about our clients and their investors to employees and service providers who need to know that information to provide services to our clients.
  • We may use your personal information to verify your identity, to check your qualifications, or to follow up with transactions initiated on the Website.  We may also use your contact information to inform you of any changes to the Website, or to send you additional information about the Company.
  • We may disclose personal information if required to do so by law or in the good-faith belief that such action is necessary to: (1) conform to the edicts of the law, cooperate with regulatory or law enforcement authorities or comply with legal process served on the Company or its affiliates, (2) protect and defend the rights or property of the Company or the users of the Website, or (3) act under exigent circumstances to protect the safety of the public or users of the Website.
  • We use information collected from anonymous and unregistered users to analyze our Website traffic, and to operate, develop and improve our services, as well as the Website’s content, layout and services.  We may use this information to do internal research on our users’ demographics, interests and behavior to better understand, protect and serve you and our clients. This information may include the URL from which you just came (whether this URL is on the Website or not), to which URL you next go (whether this URL is on the Website or not), your computer browser information and your IP address.
  • We use the information we collect from our browser and data collection devices such as cookies to improve our operations and facilitate the services you use or request. We may use information collected from you to measure interest, customize your experience and enforce our Terms of Use.

We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not described in this Website Privacy Policy. For example (without limiting the foregoing), we may be forced to disclose personal information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or service providers may abuse or misuse your personal information that they collect from the Website. Therefore, although the Website has security measures in place to prevent the loss, misuse, and alteration of the information we obtain from you, we make no assurances about our ability to prevent any such loss or misuse, either to you or to any third party, arising out of any such loss, misuse or alteration.  Simply put, we do not promise, and you should not expect, that your personal information or private communications will always remain private.

CONTROL OF YOUR PASSWORD AND PERSONAL INFORMATION
You are responsible for all actions taken with your user name and password. Therefore, we recommend that you do not disclose your password to anyone. You may not allow others to use your user name or password to access or use any part of this Website. If your password has been compromised for any reason, you should contact us immediately for a new password.

You can review and change the information that you submit to us by contacting us at clients@lamplighterfinancial.com. You can change your User ID, email address, contact information, other personal information and user preferences. You must promptly update your personal information if it changes or is inaccurate. Unfortunately, we do not maintain any procedures for you to review or request changes to the information that we collect about you, other than the foregoing.  On your request, we will deactivate your password and remove your contact information from our active databases. Your password will be deactivated promptly, and in accordance with our deactivation policy.

If your account is deactivated, we will retain in our files the personal information you have asked us to remove from our active databases to prevent fraud, resolve disputes, troubleshoot problems, assist with any investigations, enforce our Terms of Use and comply with legal requirements. Therefore, you should not expect that your personal information will be completely removed from our databases in response to your requests. However, such personal information will only be available to select employees, select service providers and governmental persons or entities.

SECURITY
Your information is stored on our servers located in the United States. We use procedural and technical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy. We treat data as an asset that must be protected against loss and unauthorized access. We employ security techniques to protect such data from unauthorized access by users inside and outside the company. However, “perfect security” does not exist on the Internet.

CHILDREN
Persons under age 18 are not eligible to use the Website.

CONTACTING US
If you have any concern about privacy or this Website Privacy Policy, or would like to have us remove your information from our active databases as described above, please contact us at: clients@lamplighterfinancial.com.

CHANGES TO THIS POLICY
This Website Privacy Policy may change from time to time. We may add to, change, update or amend this Website Privacy Policy at any time, simply by posting such change, update or modification on the Website and without any other notice to you.  Any such change, update, or modification will be effective immediately upon posting on the Website.  It is your responsibility to review this Website Privacy Policy from time to time to ensure that you continue to agree with all of its term.

Commands