This Web Site is operated by the Federal Reserve Banks.
Disclosure of Information by Users
In general, you may visit most portions of this Web Site without providing any identifiable information about you or your company to the Federal Reserve Banks, except as otherwise stated, unless you choose to do so. For example, you may be required to provide us with identifiable information if you submit comments via e-mail or the online survey. Identifiable information provided voluntarily through this Web Site may be used to help us tailor our Web Site, publications and services to our users’ needs and to help us understand who our audience is and our customers.
How We Collect Information Through This Web Site
Identifiable Information about you or your company may be obtained by the Federal Reserve Banks via this Web Site in a variety of ways, such as:
- E-mail communications;
- On-line forms you complete; and
- Surveys you complete.
This Web Site uses “cookies” to collect identifiable information about you and/or your company. “Cookies” are a common technique used to track a specific, identifiable user’s activity on-line. Additionally, the Federal Reserve Banks do collect information about our users specifically and in the aggregate by performing analyses on our Web server’s log files. We use this information to determine, among other things:
- Our Web Site’s most popular pages;
- The browsers and operating systems most often used by our visitors;
- In limited situations, who the visitors to our Web Site are;
- The web sites and search engines that have referred visitors to our Web Site; and
- The domains from which our users visit us.
This information is collected for the purpose of helping us understand and better meet our audiences’ and customers’ needs.
Limitation on Use of User Information
The Federal Reserve Banks may publish identifiable information about you and your company in accordance with the Comment Submission Policy.
Generally, information collected via this Web Site is for the Federal Reserve Banks’ use only. No identifiable information about visitors to this Web Site is sold to third parties. However, identifiable information about you or your company may be released to third parties to protect against fraud or if required by law.
Additionally, the Federal Reserve Banks may provide identifiable information about you or your company to outside agents or third parties under contract with the Federal Reserve Banks. This information is only being provided to and is only used by those parties in conjunction with the services the Federal Reserve Banks provide to you or your company.
How We Maintain Information
The safeguarding of identifiable information is important to the Federal Reserve Banks. Federal Reserve Banks do endeavor to maintain the security of your identifiable information while in the possession of the Federal Reserve Banks. While identifiable information is in our records, where we deem appropriate, we will restrict access to the information and permit only authorized individuals to handle the identifiable information.
Federal Reserve Banks are in no way responsible for the security of identifiable information while it is being communicated to the Federal Reserve Banks via this Web Site, through e-mail or otherwise. Nor are the Federal Reserve Banks responsible for what a third party does with identifiable information.
Children’s Online Information Privacy
This Web Site is not directed to children under the age of 13 nor do the Federal Reserve Banks knowingly collect, maintain or use information obtained via this Web Site about children under age 13. If a child whom we know to be under age 13 sends identifiable information to us on-line, we will only use that information to respond directly to that child, notify parents or seek parental consent.
Protecting Your Privacy and Personal Information
Federal Reserve Financial Services takes your privacy very seriously. It is important to know that we never send e-mails requesting customers to reply in the body of an e-mail with personal information such as password, social security number, account numbers and mother’s maiden name.
Types of E-mail Communications
We strive to send you e-mail communications that are informative and relevant, but also appreciate that you are in the best position to evaluate the appropriateness of our communications to you.
Generally, the types of e-mail communications the Federal Reserve Financial Services will send to you include, but are not limited to, transactional/relationship e-mails and marketing-related e-mails.
All electronic communications sent to you by Federal Reserve Financial Services provide instructions on how to remove yourself from receiving electronic communications and modify your e-mail subscription preferences. These instructions are located at the bottom of Federal Reserve Financial Services e-mail messages. If you choose not to receive marketing-related e-mails, you will still receive transactional/relationship e-mails containing service updates and other important information related to the services you use.
You may also receive separate electronic communications from other Federal Reserve Bank entities. Any modifications you make to your subscription preferences for communications received from Federal Reserve Financial Services will not change or otherwise impact your subscription preferences for communications from other Federal Reserve Bank entities. Please respond as directed by the sending entity to modify your subscription.
How We Collect Information Through E-mail Communications
E-mail communications sent to you by the Federal Reserve Banks may contain web beacons within the e-mail messages. The web beacons are one-pixel transparent images that collect identifiable information to determine which e-mails are opened and acted upon so we can provide more relevant content or offers in the future.