At Bradford Financial, trust takes on even greater importance because you are entrusting your money to our care. We understand you are also entrusting us with your goals and plans for your financial future. We take that seriously and work hard to do the right thing by providing solid value, excellent investment management and the best service possible. We apply this same integrity to protecting your privacy. - We do not sell your personal information to anyone.
- Because we limit the use of your personal information, there is no opportunity for you to opt out of sharing it with third party service providers. Please know these companies are not authorized to use it or share it for any purpose other than to help Bradford Financial serve you.
Our Privacy and Security Policy is divided into the following sections: Back to Top What Types of Information Do We Collect?
The information we collect about you generally falls into one of the following categories. - Information, such as your address, date of birth, phone number, income, account number and investment profile, that you may provide on account applications or during your business relationship with us.
- Account information, such as your investment choices, account balances and transaction history.
- Personal information about you, such as estimated household income and investable assets, that consumer reporting agencies and other organizations may provide to us.
- Information relating to your use of our Web site, such as your User Name, Password, failed attempts to log in and the last time you logged in.
Also, when you conduct business with Bradford Financial online, you may notice our use of Internet "cookies." See our discussion below of cookies and how we use them. Back to Top How Do We Use the Information We Collect?
We use the information we collect primarily to maintain your accounts and process your transactions. In doing so, we may share this information with other financial service companies in the Bradford Financial corporate family, such as the funds' transfer agent, distributor and investment advisor. We also may share this information with outside companies that we retain to perform administrative services on our behalf. Examples include Financial Engines Advisors LLC, which provides the allocation recommendations for investors, or print and mail service providers that assist us in distributing materials such as statements, prospectuses and reports. We also may share this information with others under certain limited circumstances permitted by law, such as to resolve a dispute or prevent fraud. When required by law, we may need to disclose personal information where such action is deemed necessary to comply with a current judicial proceeding, court order or legal process served on americancentury.com. Back to Top Do We Use This Information for Marketing?
Bradford Financial vision, which drives all our company activities, is to help people achieve their financial goals. We do rely on the information we collect to help us better understand you and your investing needs. This allows us to offer relevant investment products and services that may be of interest to you. From time to time we may share this information with other financial service companies in the Bradford Financial corporate family. On occasion, we may also share it with others we retain to help us with our research efforts, mailings or other Bradford Financial marketing or communications activities. In the next section of this policy, we explain how we protect your information. If, after reading that section, you choose to opt out of future marketing mailings, you may do so in one of the following ways. - Mailing your request to:
435 West 57th street New York, NY 10019
- Calling 1( 718) 255-0011
Monday through Friday, 7 a.m. to 7 p.m.
or Saturday, 8 a.m. to 5 p.m. EST time
Contact us by email
Back to Top How Do We Protect Your Information?
We treat all personal information we collect as confidential information offered to us solely and exclusively so that we may provide financial products and services for your benefit. We do not sell the personal information we collect. All non- Bradford Financial service providers with whom we share personal information are not authorized to use or share it for any purpose other than to help Bradford Financial serve you. Our policies limit access to your personal information to those who must have it to service your account. We maintain physical, electronic and procedural safeguards to protect this information. We regularly review these safeguards and adjust them as appropriate. We treat information about our former customers with the same care we take with our current customers' information. Back to Top Our Use of Web Analytics
We use Omniture, a third party, to track the usage of our Web site. Tracking information is not tied to any individual user and does not include any personally identifiable information. Omniture sets cookies on behalf of Bradford Financial under the domain 207.net and reports this data in aggregate so we can better understand our users and to improve our site. Omniture's privacy policy can be found online by visiting www.omniture.com/global/privacy. Back to Top Our Use of Cookies and Clear Gifs
If you conduct business with Bradford Financial online, you may notice our use of Internet cookies. Cookies enable our systems to recognize your browser and customize your experience on our Web site and help us better understand how our investors use our Web site. What is a cookie?
A cookie is a small piece of alphanumeric information placed on your computer by the Web site you are visiting. It allows the Web site to remember or recognize your computer during subsequent visits. Although Web sites use cookies for different purposes, one important function is to allow a site to personalize your experience. For example, cookies help us better understand how account owners use our Web site so we can improve your online experience. Once you are logged in, cookies maintain your security as you move from page to page within the site. What types of cookies do Web sites put on my computer? - Temporary Cookies that are stored on your computer only during your browsing session, and are automatically deleted from your computer when you close your browser. No information is collected from your computer.
- Persistent Cookies that are stored on your computer and are not deleted when you close your browser. Permanent cookies retain your preferences for a particular Web site, allowing those preferences to remain for future browsing sessions. No information is collected from your computer.
How does Bradford Financial Group use cookies?
We use cookies to facilitate your use of our Web site. These cookies do not collect or contain any personally identifiable information. Examples of how we use cookies include:  | | Where a Cookie is Used | Cookie Type | Description | | All Secure Pages | Temporary | Bradford Financial LLC and Pershing, our clearing agent for brokerage customers, use temporary cookies on all secure pages. These cookies store a session ID that is not personally identifiable to you, allowing you to move from page to page without having to log in repeatedly. | | All Pages | Persistent | This cookie, set by Omniture, helps us analyze online behavior within our Web site and provides information to help build a better site for our customers. It also provides information about areas of the site where customers are having difficulty completing a function, thus allowing us to improve the site. | | All Secure Pages within Rollover Advisor | Temporary | Financial Engines Advisors, L.L.C., engaged by American Century to provide investment services, uses a cookie to provide a secure session while using their online tool. This cookie stores a session ID on your PC that is not personally identifiable to you. | | Investment Professionals | Persistent | This cookie allows investment professionals the ability to subsequently log in to this part of our site without using a User Name and Password. | | Brokerage Model Portfolio | Persistent | This cookie is set by Pershing to collect browser information for use with their Model Portfolio service. It allows you to access your Model Portfolio during subsequent visits. | | Home Page | Persistent | This cookie is set by Bradford Financial and allows customers to bypass the corporate homepage when they indicate a preference for a section of the site they would like to view on future visits. | | Log In | Persistent | When you successfully log in by entering your User Name, Password and answering your security question, a cookie is set on your computer that expires in 30 days. The cookie allows you to log in on future visits by only entering your User Name and Password. After the cookie expires, you'll be asked to enter your User Name, Password and security question. If successful, another 30-day cookie is set on your computer. |
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What is a Clear Gif and How Are They Used?
A clear gif, also known as a Web Beacon, is similar in function to cookies. It is a tiny graphic with a unique identifier that is invisible on the page and much smaller, about the size of the period at the end of this sentence. Clear gifs track online web movements of our users and inform us what content is effective. Clear gifs are not tied to users personal information. In addition, we use clear gifs in our HTML-based emails to let us know when they have been opened by the recipients. This allows us to understand the effectiveness of our communications and tailor future emails to meet user needs. Back to Top Secure Online Account Access
Web Security and You
Protecting your privacy and security is a shared responsibility. We affirm our commitment to safeguard your personal information; however, it is imperative that you protect your Password to prevent unauthorized access to your accounts. For this reason, we strongly suggest that you do not share your Password with anyone. If you do choose to give it to someone, such as a so-called "financial aggregator" that combines information about you from multiple sources over the Internet, you do so at your own risk. We cannot be responsible for any losses you may incur as a result. Users who are concerned about access to their personal information online can update that information, including their User Name and Password, within their personal homepage. Mutual Fund and Brokerage Customers
Registration is the unique User Name and Password combination used to log in to a secure and customized Personal Homepage containing your Bradford Financial accounts and other services. Any personal or financial information you provide during the Registration process is kept confidential, as stated in this Privacy and Security Policy. To help protect your personal information, American Century employs the following security mechanisms when setting up a Registration account. You will be required to create a User Name that must contain six to 20 characters; Cannot contain spaces or special characters (&, , etc.). You will be required to create a Password that must include at least two numbers and two letters; Must contain six to 10 characters; Cannot contain spaces or special characters; Cannot be the same as your User Name; Cannot contain four consecutive numbers from your Social Security number or Employer Identification number. A timeout feature will automatically end your secure session if you are not active for 20 minutes. To restart your Registration session, you will need to log in again. After three failed attempts to log in, we lock the account to prevent access to personal information within the Web site. Investment Professionals
ProPIN is a separately assigned User ID and Access Code combination for investment professionals. It is used to log in to a secure and customized Personal Homepage containing exclusive information created to help investment professionals help their clients. Any information you provide within the enrollment process helps us verify you are an investment professional and allows us to set up appropriate access to our web site. We will send you regular updates about changes to our web site which you can opt-out of at anytime. All information collected in the Investment Professional Enrollment form is kept confidential, as stated in this Privacy and Security Policy. Forgotten Passwords or Locked Accounts
If you forgot your Password or locked your account, American Century can help to re-establish your Internet session. - Mutual Fund accounts, Brokerage accounts and Company Sponsored Retirement Plans- Go to Help on any page of our Web site and choose Forgot Password, then follow the steps to answer your Security Question.
- Investment Professionals - Contact Us for assistance with your Password.
Our Representatives can be reached Monday through Friday, 7 a.m. to 7 p.m. or Saturday, 8 a.m. to 5 p.m. EST time. Back to Top Web Browser Requirements
We require users to access their accounts online with Firefox (version 1.5 or later), Microsoft Internet Explorer (for Windows only - version 5.5 or later), Safari (for Mac OS X - version 1.3 or later), Netscape (version 7.1 or later), Mozilla (version 1.7 or later), or AOL (for Windows - version 8.0 or later). These browsers use Secure Sockets Layer (SSL) technology with RSA Public Key encryption. This technology helps enable the security of your online sessions. If for any reason your session is no longer secure, you will be disconnected from online account access. If a session is secure, it means that it is encrypted. Every secure page on Mesirow Financials Web site has been secured with a digital certificate by RSA Data Security, Inc. We use SSL v3, RSA Public Key encryption and proprietary encryption algorithms to secure your connection when you are accessing your account online. American Century supports 128-bit encryption and SSL v3 to provide you with secure access to your account information. If your browser does not support 128-bit encryption or SSL v3, we recommend that you upgrade your browser to a newer version. Please access the Mozilla, Microsoft Internet Explorer, Safari, or Netscape Web sites to upgrade your browser to the current version with 128-bit encryption. Back to Top Preventing Online Fraud
Online fraud comes in many forms, such as phishing or malware (malicious software), and uses phony emails, Web sites and other software to trick you into providing your personal information. Learn how you can prevent online fraud. Back to Top Contacting Bradford Financial
Bradford Financial believes that your privacy should be respected. We appreciate and take seriously your trust in us and your ability to safeguard your personal information. For more information about our privacy commitment please contact an Investor Relations Representative via email Contact Us page. Back to Top Notification of Changes
We will post any changes to this privacy statement so users are always aware of what information we collect, how we use it, and under what circumstances, if any we disclose it. If, however, we are going to use personal information in a manner different from that stated at the time of collection we will notify users by posting a notice on our Web site for 30 days prior to implementing the change. Effective Date of this Policy
August 25, 2008 |  |
