National Retirement Services, Inc. ("NRS") recognizes the importance of protecting the privacy of personally identifiable information collected from customers and visitors to NRS' Web site. Here we explain how NRS collects information on-line and by other methods, what we do with that information, and what controls you have. We're committed to ensuring the privacy of your personally identifiable information (such as full name, address, e-mail address, telephone number and/or other identifiable information), providing security and preserving the integrity of the medium.

Gathering and Use of Information

1. We will not collect personally identifiable information from you, other than what you supply to us on a voluntary basis. We may collect certain non-personal information to optimize our Web pages for your computer (i.e., the identity of your Internet browser, the type of operating system you use, your IP address and the domain name of your Internet service provider). We may use such non-personal information for internal purposes, including but not limited to improving the content of our Web site.

2. In order to participate in some activities, you might be asked to provide some personally identifiable information. This could be in connection with the following:

• subscription registration for Web sites
• services which require subscription (such as e-mail or postal newsletters)
• content submissions (i.e., forums or bulletin boards), comments and suggestions or voting

You should recognize that if you choose not to voluntarily submit requested information, you may not be eligible for those activities for which personally identifiable information is needed.

3. In the event NRS wants to collect information for purposes other than those set forth in this policy, NRS will notify you when we are collecting personally identifiable information about you and how we intend to use it.

4. Personally identifiable information that customers and visitors provide to NRS or submit to our site is used only for the purpose for which it is submitted unless we disclose other uses in this Privacy Policy or at the time of collection. Such other uses may include sending our customers information about NRS products and services, sending you information or materials we think you will find interesting, or sharing the information with select third party companies or organizations.

5. The NRS Web site is a general audience Web site and does not knowingly market to, accept postings from or collect personally identifiable information from children under the age of 18 years old. However, NRS believes that it is important to assist parents in supervising their children's on-line activities and, therefore, recommends that parents consider using parental control tools available from on-line services and software manufacturers that help provide a child-friendly environment. These tools can also prevent children from disclosing their name, address and other personally identifiable information on-line without parental permission.

6. NRS maintains a customer database with the e-mail address, name and postal address, telephone number and other personally identifiable information of persons who have provided such information to NRS by mail, telephone or e-mail. By supplying NRS with an e-mail address, telephone number or postal address you may receive future communications from NRS via e-mail, telephone or mail. If, at any time, you do not wish to receive any further information or contact from NRS, please email or write us and request that NRS not contact you or send further information.

Chat Rooms and Bulletin Boards

Please remember that any information posted on bulletin boards and/or communicated in chat areas becomes public information. You should use caution when sharing information, as any of it can be collected and used by people you may not know and may result in your receiving unsolicited e-mails. Users under the age of 18 should be particularly careful not to divulge any personal information. While NRS strives to protect and respect your privacy, we cannot guarantee the security of any information you disclose in a chat room or bulletin board and you do so at your own risk.

Use of Cookies

Cookies are data that a Web site transfers to an individual's hard drive for record-keeping purposes. Cookies are an industry standard used by most Web sites. In general, cookies are used to customize the user experience, count how many people visit a site, and track which pages on a site receives visits. NRS may use cookies to help us determine how visitors use our Web site so we can improve your on-line experience. When used, our cookies do not contain any personally identifying information and are used only by NRS, in order to provide better statistics on traffic throughout our Web site. When used cookies allow us to track usage patterns and to compile data that can help us improve our content and target marketing. If you do not want information collected through the use of Cookies, there is a simple procedure in most browsers that allows you to deny or accept the Cookie feature.

Acceptance of NRS Privacy Policy Terms and Conditions

By using NRS' Web site, you signify your agreement to the terms and conditions of this NRS Privacy Policy. If you do not agree to these terms and conditions, please do not use this site. We reserve the right, at our sole discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page periodically for any changes. Your continued use of the NRS Web site following the posting of any changes to these terms shall mean that you have accepted those changes. If you have any questions or concerns, please e-mail us.