TRUENORTH RETIREMENT SERVICES PRIVACY POLICY

Association Financial Services Inc. dba TrueNorth Retirement Services (“TrueNorth,” “we,” or “us”) respects your privacy and is committed to protecting it through our compliance with this Privacy Policy.  This Privacy Policy describes the types of information we may collect from you when you visit www.tnrs.com (the “Site”), how we use the information we collect, with whom we share it, how we protect it, and the choices we offer you regarding our collection and use of such information.

Please read this Privacy Policy carefully.  By using the Site, you agree to the terms of this Privacy Policy.  If you do not agree with the terms of this Privacy Policy, please do not use the Site.

TYPES OF INFORMATION WE COLLECT

We may collect personal information from you, meaning information about you that can uniquely identify you, such as your name, address, and email address, if you choose to provide us with such information, including through use of comments section of the “Contact” page on our Site.  We may also collect information about you that does not uniquely identify you if you choose to provide us with such information.  Additionally, when you access the Site using a mobile device, we may collect and process real-time information about the location of your device.

TrueNorth may enable you to access social networks through the Site.  If you access a social network through the Site, your use of the social network is governed by such social network’s terms and conditions and privacy policies.

When you visit the Site, we may also collect certain information by automated means, such as cookiesA “cookie” is a text file that websites send to a visitor’s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser.  We may also use third-party website analytics tools (such as Google Analytics) that collect information about user traffic on the Site.  The information we may collect by automated means may include, but is not limited to, the following:

  • information about the devices you use to access the Internet (such as the IP address and the type of the device, operating system, and web browser);
  • dates, times, and duration of visits to the Site (including whether you are a repeat or first time visitor); and
  • information on actions taken on the Site (such as page views and site navigation patterns).

HOW WE RESPOND TO DO-NOT-TRACK SIGNALS

Your web browser may let you choose your preference as to whether you want to allow websites to collect personal information over time about your online activities across different websites or online services. At this time our Site does not respond to the preferences you may have set in your web browser regarding the collection of your information, and our Site may continue to collect information in the manner described in this Privacy Policy.

HOW WE USE THE INFORMATION WE COLLECT

We may use your information to:

  • provide you with services you request;
  • register you to receive emails or other information or materials you request;
  • respond to your questions and comments and provide customer support;
  • communicate with you about our services, offers, and promotions;
  • operate, evaluate, and improve our business and the services we offer;
  • understand your needs and interests and tailor the Site and our services accordingly;
  • enforce our agreements with you; and
  • comply with applicable legal requirements and industry standards.

In addition to the uses described above, we may use the information collected through cookies to identify and authenticate visitors.  We may also combine the information we collect with publicly available information and with that of other users of the Site.  For example, we may use your and other users’ non-identifiable, aggregated data to improve the services we offer, for statistical analysis, and for other business purposes.

We also may use the information we obtain about you in other ways for which we provide specific notice at the time of collection. 

INFORMATION WE SHARE

We may disclose aggregated information about our users without restriction.  We may disclose your personal information to our subsidiaries and affiliates, or to contractors, service providers, and other third parties we use to support our business.  Such third parties are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.  We may also disclose your personal information to:  (a) comply with any court order, law, or legal process, including to respond to any government or regulatory request; (b) enforce or apply our agreements with you; and/or (c) if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of TrueNorth, users of our Site, or others.

We also reserve the right to transfer your personal information to a buyer or other transferee in the event of a merger, divestiture, restructuring, reorganization, dissolution, sale, or other transfer of some or all of our assets.  Should such a sale, merger, or transfer occur, we will use reasonable efforts to direct the transferee to use your personal information in a manner that is consistent with our Privacy Policy.

YOUR CHOICES

We offer you the following choices about what information we collect from you and how we communicate with you:

Cookies.  Most browsers will tell you how to stop accepting new cookies, how to be notified when you receive a new cookie, and how to disable existing cookies.  Please note, however, that without cookies you may not be able to take full advantage of all of the Site’s features.

Marketing Emails.  If we have sent you a marketing email, you may choose not to receive additional marketing emails from us by following the unsubscribe instructions contained in each email.

Location and Social Media Information.  You can restrict TrueNorth’s collection and use of real-time information about your mobile device’s location through your device’s privacy settings.  You can restrict TrueNorth’s access to your social network profile at any time by changing your social network privacy settings.

ACCESSING AND CORRECTING YOUR INFORMATION

You can review and change your personal information by contacting us as described below.  Subject to applicable law, you may have certain additional rights to request access to and receive information about the personal information we maintain about you, update and correct inaccuracies in your personal information, and have your personal information blocked or deleted, as appropriate.  For more information, please email us at info@tnrs.com.

LINKS TO OTHER WEBSITES

Our website may contain links to websites operated by third parties. When you visit third party websites, such third parties may collect information about your visit and use it to provide advertisements to you.  This Privacy Policy does not apply to, and we are not responsible for, the practices of third parties that collect your personal information.  Each of these linked websites may maintain its own policies about the collection, use, and protection of your personal information.  We encourage you to review the privacy policies of such third parties to learn about their practices.

SECURITY

TrueNorth has reasonable security measures in place in an effort to protect your personal information from loss, misuse, and unauthorized access, disclosure, alteration, and destruction.  Please note that no electronic transmission of information can be entirely secure.  We cannot guarantee that the security measures we have in place will never be defeated or fail, or that such measures will always be sufficient or effective.  Any transmission of information is at your own risk.  We are not responsible for circumvention of any Site privacy settings or our security measures.

GEOGRAPHIC RESTRICTIONS

TrueNorth is based in and operates the Site out of the United States.  When we obtain personal information about you, we may process such information outside of the country in which you are located, including in the United States.  The countries in which we process your information may not have the same data protection laws as the country in which you are located.  We will protect your information as described in this Privacy Policy.

CHILDREN UNDER THE AGE OF 13

The Site is not directed to, and TrueNorth does not knowingly collect or solicit personal information from, children under the age of 13.  If we learn we have collected or received personal information from a child under the age of 13, we will delete that information.  If you believe we might have any information from or about a child under the age of 13, please contact us at info@tnrs.com.

CHANGES TO OUR PRIVACY POLICY

TrueNorth reserves the right to update or change this Privacy Policy at any time.  If we make a material change to our Privacy Policy, we will indicate on the Site that our privacy practices have changed and will provide a link to the new policy.  In the event we make a material change to how we use your personal information, we will provide you with an opportunity to opt out of such new or different use.  The date this Privacy Policy was last revised is at the top of this page.  You are responsible for periodically reviewing the Site and this Privacy Policy to check for any updates or changes.

CONTACT US

If you have any questions about this Privacy Policy or our privacy practices, you may call us at (801) 274-1768, email us at info@tnrs.com, or write to us at:

TrueNorth Retirement Services

Attn:  President

Re: Privacy Policy

1935 East Vine Street #130

Salt Lake City, Utah 84121