Terms and Conditions

1. Data Rights. SETF respects your privacy and we are the sole owner of personal information collected on our Website. This Online Privacy Policy describes how we collect, use, and disclose your personal information. If you do not agree to the terms contained in this Online Privacy Policy, you must immediately exit the website.

2. Types of Data Collected. By accessing the SETF Website, we automatically collect certain types of data, which are listed below.

a) We may collect the following data automatically:
• Referring website;
• GeoIP information;
• IP address of the device you are using;
• Browser type and operating system;
• Page or service you are requesting;
• Browsing history on the Website;
• Referring and exit pages;
• Date/time stamp; and
• Clickstream data.

b) We also collect personal information that you may voluntarily provide, such as:
• Account registration information, including name, email, telephone number and any additional information you enter into any online forms as part of the registration process;
• The contents of any communications that you send us; and
• Any other information, including payment information, you may enter into any online forms or provide to us through our Website. 

c) We may also receive information about you from third parties, such as consumer reporting agencies or identity verification services.

3. Use of Collected Data. We may use the information collected on the Website for any of the following purposes:

 

  • To provide the products and services that you request;
  • To respond to your inquiries, perform Account servicing and collections, and communicate with you;
  • To develop new products and services, conduct analysis, and enhance current products and services;
  • To review the usage and operations of our Website and improve our content, products, and services;
  • To customize your Website experience including by displaying relevant content, targeted offers, and advertising on the Website, other websites, or via digital communications and to welcome you to the Website;
  • To contact you with informational and promotional materials from us or on behalf of our partners and affiliates and for other marketing purposes, as stated in this Online Privacy Policy and our Financial Privacy Policy;
  • To use your data in an aggregated or anonymous format for analytical and demographic purposes;
  • To address problems with the Website or our business;
  • To manage our communications networks;
  • To protect the security or integrity of the Website and our business; and
  • As otherwise described to you.

 4. Sharing of Collected Data.  We may share the collected Website data as follows: (i) with our affiliated companies under the JM Family Enterprises brand; (ii) to our third party service providers that provide business, professional or technical support functions for us; (iii) to our select partners, non-affiliates, joint marketing partners, and other third parties that we believe may have offers of interest to you as described in this Online Privacy Policy and our Financial Privacy Policy; (iv) as necessary if we believe that there has been a violation of our Terms and Conditions, this Online Privacy Policy, any other SETF policy or of our rights or the rights of any third party; (v) to respond to judicial process or provide information to law enforcement or regulatory agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law; and (vi) as described to you at the point of collection.

We may also share aggregate or anonymous non-personal information with third parties for their marketing or analytics uses.

We may provide information gathered from your activity on our Website to third parties for online tracking purposes (See Section 7 below).

Also, we may sell or purchase assets during the normal course of our business.  If another entity acquires us or any of our assets, information we have collected about you may be transferred to such entity.  In addition, if any bankruptcy or reorganization proceeding is brought by or against us, such information may be considered an asset of ours and may be sold or transferred to third parties.  Should such a sale or transfer occur, we will use reasonable efforts to try to require that the transferee use personal information provided through this Website in a manner that is consistent with this Online Privacy Policy. 

5. Cookies. A cookie is a small text file containing information that a website stores on your computer's hard disk so the website can remember something about you at a later time. Cookies can make a website more useful by allowing the website to personalize information for visitors and by storing information about user preferences on a particular website so that the user does not have to re-enter information, etc., each time he or she returns to the website. The use of cookies is an industry standard, and many major websites use them to provide useful features to their customers. We may collect, transmit and use technical and location data and related data through the use of cookies, such as log-in information, setting of browser and plug-ins and session information.

We may also use cookies and other local device storage or tracking technologies (such as web beacons, web bugs, clear gifs, and similar technologies), including, without limitation, to help us:

  • Understand how you navigate our Website;
  • Serve relevant advertisements to Users on affiliated or unaffiliated websites;
  • Better analyze and measure the performance of our Website and Website content; or
  • As described in Section 7 below.

We then optimize your experience on the Website by showing you relative content based on your online interests and traffic patterns on the Website. These cookies generally do not collect information from your computer or device. Further, the cookies cannot carry any virus or any other malicious files. We may also use cookies and other local device storage or tracking technologies for any lawful business purpose, including without limitation to determine which of our messages have been opened by recipients so we can gauge the effectiveness of marketing campaigns, to track usage patterns, the movements of individual users, and their  geographic location, to help diagnose problems with our servers, to gather broad demographic information, to analyze trends, to conduct research, to deliver editorial content, to record registration and personalization information, and to otherwise administer services on the Website. Local device storage may also collect and store your personal information, which may be shared with our subsidiaries, affiliates, and other companies. 

6. Delete/Reject Cookies. Most browsers are automatically set up to accept cookies. Through your browser, you may delete or reject cookies. Keep in mind, you might not be able to use certain features on the Website.

7. Online Tracking.  We, our third party service providers or joint marketing partners may use cookies, pixels, and other tracking technologies to learn about your interests based on your activity on this Website and other websites you have visited and serve you advertisements, tailored content, and other promotional messages and for other lawful business purposes.  We do not share your personal information with these third parties.

To learn more about the use of cookies or other technologies to deliver more relevant advertising, or to opt out of tracking by certain service providers, go to http://www.aboutads.info/choices/.  Please note that (i) it may take some time for an opt-out submission to be processed, (ii) if you use another browser or device, you may need to opt-out on that browser or device, as opt-outs are generally not shared between browsers or devices, and (iii) even if you opt-out, you will still see advertisements online, but they will not be customized based on your web-browsing activities and will be less relevant to you and your interests.  On your mobile device, you may also adjust your privacy and advertising settings to control whether you want to receive more relevant advertising. 

8. Do Not Track Disclosures.  Your browser settings may allow you to automatically transmit a “Do Not Track” request or signal to websites you visit.  Note, however, that our systems may not recognize some or all "Do Not Track" requests, signals or similar tools and settings.

9. Links to Third-Party Websites. The Website may contain links to third-party Internet websites belonging to unrelated parties that may be integrated with or presented on this Website. Please be advised that such third-party websites are independent of the Website, and SETF exercises no control over the content, privacy policies or practices or services of such websites. Links to such third-party websites should not be construed as our endorsement of such third party's website, products or services. You are solely responsible for learning and abiding by the policies, including the privacy policy, and terms of such websites. We encourage you to review the privacy policies of these third-party websites before you disclose your personal information.

10. Security. SETF takes reasonable precautions to protect our users' information. Once information is submitted, we use security policies and technologies designed to help safeguard against loss, theft, unauthorized access, destruction, use, modification and disclosure. This Website secures your personal information using Transport Layer Security (“TLS”) protocol encryption software to ensure online transactions remain confidential. Information exchanged with any address beginning with “https” is encrypted using TLS before it is transmitted.

Because no data transmission is completely secure, and no system of physical or electronic security is impenetrable, however, we cannot guarantee the security of the information you send to us or the security of our servers, networks or databases, and by using the Website you agree to assume all risk in connection with the information sent to us or collected by us when you access, visit or use the Website, including without limitation your personal information or other information.

If you elect to store information, such as your personal information or other information, where others may access it, we are not responsible for any loss of such information or the consequences thereof. If a computer, mobile device or other device that contains your personal information or other information is lost or stolen, it is up to you to take all the steps necessary to protect yourself.

In the unlikely event that we believe the security of your information in our possession or control may have been compromised, we may seek to notify you. If notification is appropriate, we may notify you via your computer, mobile or other device.

11.  Children’s Privacy. Our Website is not directed to children under the age of thirteen (13) years nor do we market our products or services to such children. We do not knowingly collect any personal information from children. Our products and services are not available to anyone who is not of legal age to sign a fully enforceable contract. In most states, a person must be at least 18 years of age to sign a fully enforceable contract.

12. Notifications of Changes to this Online Privacy Policy. We may make changes to this Online Privacy Policy from time to time. We will post those changes to this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

13. Reviewing and Updating Your Personal Information.  You may review and update certain account information, such as your mailing address, email address or telephone number, by logging in and clicking on “Edit account contact settings.”  You may also update your account information, including your first or last name, by contacting Customer Care as described below. 

14. Contacting Customer Care.  If you have any questions about this Online Privacy Policy, please contact Customer Care by logging in and using the Customer Inquiry Form or by calling 1-888-688-1166.

 

Effective Date: December 1, 2017