Privacy Policy
Hana Financial, Inc. and its affiliates (collectively "Hana" or "we") will treat
personal data that you provide through this website ("Site") according to this privacy
policy, which is consistent with our treatment of personal data that you provide
offline to us or to our brokers and dealers. By visiting our Site, you agree to
be bound by this policy.
If you are visiting this Site from outside the United States, please do not provide
any personal data through this Site or by e-mail, as this privacy policy may not
comply with your local law. This
Site is not intended for visitors under 18 years of age. We do not knowingly solicit
or collect personal data from or about children, nor do we knowingly market our
products or services to children. Personal data identifies an individual, for example, by
name, address, telephone number, or e-mail address. We may collect the following
types of data: (1) if you apply for a job, your name, address, references, and employment
history; (2) if you apply for credit, your name, address, social security number,
credit history, and financial information, directly or through one of our brokers
or dealers; (3) if you use this site to check the status of your account, your name,
account number, and other information, such as a password, to verify your identity;
and (4) if you send us e-mail or request information, your name, email address,
and any other personal data you supply in your message. When you visit the Site, Hana automatically
collects certain non-personal data by various means, one of which is "cookies."
A cookie is an alphanumeric string of text (a unique identifier) that our web-server
stores in your computer by means of your web-browser. The cookie allows us to recognize
your computer when you revisit our Site. We can then improve your use of the Site,
for example by providing quick log-in, displaying only web pages that interest you,
and saving you from retyping information in a form. Cookies also allow us to analyze
aggregate traffic on the Site, in order to streamline navigation and keep the content
fresh for all visitors. You can configure your browser to reject cookies, but doing
so may disable some of our Site's features. Cookies do not contain personal data,
nor can they read or transmit any data on your computer's hard drive. They can,
nonetheless, be combined with personal data that you knowingly provide, to create
a profile. Hana does not use cookies in this manner without your express consent.
Regardless of cookies, all web-browsers transmit the IP address of the computer
on which they are running (so that the web-server knows where to send the requested
web page). We analyze IP addresses only in extraordinary circumstances to attempt
to track hackers.
We may use the data that you provide as follows:
- If you apply for a job, to consider you for the position and to contact references;
- If you apply for credit, to assess your credit-worthiness (including retrieving
credit reports) and to approve or reject your application;
- If you check the status of your account, to respond to your inquiry;
- If you send us e-mail or request information, to reply to your request. We may also
use the data that you provide to help us improve the content and function of this
or other Sites, to better understand our customers and markets, to improve our products
and services, to enhance our marketing and promotional efforts, to improve product
offerings, and to later contact you, electronically or otherwise, about products
or services that we believe will interest you. If required by law, such communications
will explain how to "opt out" of receiving future communications. You cannot opt
out of receiving communications about your account, such as service announcements
and administrative notices.
Hana may share data that
you provide under the following circumstances:
- Affiliates We may share your name, address, and information about your transactions
and experiences with us (such as your payment history or other facts about your
account) with our affiliates. We may also share other personal data that you provide
with our affiliates in order to provide you with information about products or services
that may interest you. Option for our Consumer Customers: If you are a consumer
(as opposed to commercial) customer of Hana, you may direct us not to share, except
as permitted by law, personal data other than your name, address and information
about your transactions and experiences with us and submitting it to us.
- Agents and Service Providers - In order to establish, administer, and manage our
customers' accounts, evaluate credit, provide customer service and benefits, process
account transactions and account statements, conduct research and analysis, or process
job applications, we may disclose personal data to companies that work with us to
perform services or business operations on our behalf. We may also share personal
data with companies that perform marketing services on our behalf, or with other
financial institutions (including insurance companies) with whom we have joint marketing
agreements.
- Third Parties (Disclosures Permitted or Required by Law) - In certain instances,
we are permitted or even required to disclose your personal data to third parties.
Examples of this type of permitted disclosure are reporting information about your
transactions with us to credit reporting agencies, responding to regulators or auditors,
protecting against fraud, or providing information in connection with proposed or
actual business transactions involving our companies or accounts. We may also disclose
your personal data to third parties when legally compelled to do so, or when we
believe that such disclosure is appropriate to comply with the law, to enforce our
terms of use, or to protect the rights, property, or safety of Hana, its employees,
customers, visitors to the Site, and others. Please be aware that these disclosures
are permitted by law without your consent.
- Business Transfers - As we develop our business, we may sell or buy businesses or
assets, or be involved in mergers or other corporate reorganization. In transactions
such as these, your personal data may be one of the transferred business assets.
- Other Third Parties (Optional Disclosures) - We may also share, as permitted by
law, your personal data with other third parties with whom we do not have joint
marketing agreements, such as other financial service providers, insurance companies,
or non-financial companies such as service organizations, retailers, travel services
or direct marketers. These companies may wish to provide you with information about
products or services that may interest you.
Option for our Consumer Customers: If you are a consumer (as opposed to commercial)
customer of Hana, you may direct us not to share personal data with other third
parties, except as permitted by law, by submitting it to us at info@hanafinancial.com.
Hana uses reasonable measures to protect personal data from unauthorized access,
deletion, or alteration. Any information you provide on a Hana form (such as a job
or credit application) is encrypted. Any personal information that Hana transmits
to you at your request (such as your account balance) is encrypted. E-mail communications
are not encrypted. Therefore you should not send any personal data by e-mail. Hana
will never send you e-mail requesting personal data. Hana does not control and is not responsible for other visitors'
treatment of information that you post on public areas of the Site. For example,
such information may be collected and used by others for their own purposes, including
sending you unsolicited e-mail. If you wish to review, correct, or remove personal data that you
provided to Hana, please send e-mail to info@hanafinancial.com.
This Site may have hyperlinks to or pop-up windows from other websites. Hana is
not responsible for their content or privacy practices. We urge you to review the
privacy policy of any website that you visit. Hana may revise this privacy policy from time to time.
You should periodically check the revision date at the top of the webpage to learn
of any revisions. Your use of the website at any time is deemed acceptance of the
privacy policy then in effect. If you have questions about this privacy policy,
please send e-mail to
info@hanafinancial.com. Last Updated: August 9, 2006
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