The following section describes our privacy practices, including our policy for information received about you during visits to the Web Site:

The amount and type of information received depends on how you use the Web Site. You cannot access or use the Web Site to use our online services without using your Account ID, User ID, and Password. We will use this information to identify and access information about the existing relationship that we have with you to provide the requested services. The other information we may collect and store during normal Web Site usage includes the name of your Internet Service Provider, the Web Site that referred you to us, the pages you request, and the date and time of those requests. We may use this information to generate statistics and measure site activity to improve the usefulness of customer visits. During normal non-member Web Site usage, we do not collect or store other information that will identify you, although we may request information such as your name, mailing address, e-mail address, phone number, or social security number to provide you with a service or correspondence (such as promotional material). Such information (including your type of request and other information) is collected, stored, and used consistently with all applicable laws and in a manner appropriate to the nature of your request and is used to fulfill it.Information you provide to us is used to improve the services we provide you and is not provided to any unrelated company for that company's independent use. If you decide to send information that will identify you (for example, a message containing comments about this Web Site), we will use such information to identify you but will not generally use it except to address or resolve the matter identified in your message. If we change out privacy policy, the revised policy will apply only to data collected after the effective date of the revised policy. Your continued use of this Web Site following any new policy that is posted will be deemed your conclusive acceptance of the modified policy.