Stephens & Associates is happy to welcome you our website. While Stephens and Associates has endeavored to ensure the accuracy of the information accessed via the website, we do not guarantee or give any warranty as to the accuracy, timeliness, or completeness of any information or material on the website, and declines all responsibility for technical inaccuracies or other errors. Stephens & Associates declines all responsibility for any difficulties encountered in accessing the site or for any communication line failure.

Purpose
Stephens & Associates has adopted this Privacy Statement in order to inform you of its policies with respect to information collected from this website. Your use of this website constitutes your acceptance of this Privacy Statement and your consent to the practices it describes.

Information Collected on Stephens-Associates.com

Automatic Collection of Anonymous Information
When you visit the Stephens & Associates website, like when you visit most other websites, certain anonymous information about your visit is automatically logged, which may include information about the type of browser you use, the server name and IP address through which you access the internet (such as "aol.com" or "earthlink.net"), the date and time you access the site, the pages you access while at the Stephens & Associates website, and the internet address of the website, if any, from which you linked directly to the Stephens & Associates site. This information is not personally identifiable.

Personally Identifiable Information
Personally Identifiable Information is any information that concerns you individually and would permit someone to contact you, for example, your name, address, telephone/fax number, social security number, email address or any information you submitted to Stephens-Associates.com that identifies you individually.

Stephens-Associates.com will not collect any personally identifiable information about you unless you provide it. Therefore, if you do not want Stephens-Associates.com to obtain any personally identifiable information about you, do not submit it.

You can visit and browse the Stephens & Associates website without revealing personally identifiable information about yourself. You may also choose to disclose personally identifiable information about yourself, which may be maintained as described below. Stephens-Associates.com may collect personally identifiable information about you from its website by methods such as the following:

Registration Forms
If you are offered the opportunity to become a registered user of the Stephens & Associates website, or to opt-in to receive Stephens & Associates information through another site, you must apply by filling out the registration form on the site. This form requires certain personally identifiable information that may include, without limitation, your name, email address, postal address, telephone number, areas of interest, product usage, and/or a unique individual password.

Email and other voluntary communications
You may also choose to communicate with Stephens-Associates.com through email, via our website, by telephone, in writing, or though other means. We collect the information in these communications, and such information may be personally identifiable.

Information Use
Stephens-Associates.com may use the personally identifiable information collected through its website primarily for such purposes as:

	helping to establish and verify the identity of users;
	opening, maintaining, administering and servicing users' accounts
	providing services and support to users;
	improving the website, including tailoring it to users' preferences;
	providing users with product or study updates, upcoming study information, employment opportunities, and other information
	about the company
	responding to your questions inquiries, comments and instructions;
	maintaining the security and integrity of its systems.

Stephens-Associates.com uses the anonymous browsing information collected automatically by its servers primarily to help it administer and improve its website.

Disclosure of Information
Stephens-Associates.com does not provide personally identifiable information to unaffiliated third parties for their use in marketing directly to you.

"Cookies"
The Stephens and Associates website's server, or the servers of companies that are used to operate this site, may place a "cookie" on your computer in order to allow you to use the website and to personalize your experience.

A "cookie" is a small piece of data that can be sent by a web server to your computer, which then may be stored by your browser on your computer's hard drive. Cookies allow Stephens-Associates.com to recognize your computer while you are on its website and help customize your online experience and make it more convenient for you. Cookies are also useful in allowing more efficient log-in for users, tracking transaction histories and preserving information between sessions. The information collected from cookies may also be used to improve the functionality of the website.

Most web browser applications (such as Microsoft Internet Explorer and Netscape Navigator) have features that can notify you when you receive a cookie or prevent cookies from being sent. If you disable cookies, however, you may not be able to use certain personalized functions of this website.

Security
Stephens-Associates.com maintains physical, electronic, and procedural safeguards to help guard personally identifiable information. If transactions are offered on the site, transaction information is transmitted to and from Stephens-Associates.com in encrypted form using industry-standard Secure Sockets Layer (SSL) connections to help protect such information from interception. Stephens-Associates.com restricts authorized access to your personal information to those persons who have a legitimate purpose to know that information to provide products or services to you and those persons you have authorized to have access to such information. Please be aware, however, that any email or other transmission you send through the internet cannot be completely protected against unauthorized interception.

Choice/Opt-Out
In order to provide service to you, Stephens-Associates.com will send you communications related to your transactions, security or the administration of its website. From time to time, Stephens-Associates.com and its affiliates may also wish to send you other messages or updates about Stephens-Associates.com. If you do not wish to receive non-transaction/security related communications from Stephens-Associates.com and its affiliates, please send an email containing your request to webmaster@Stephens-Associates.com.    

Data Quality/Access
Stephens-Associates.com allows you to change, update, or delete the information you may provide in your optional registration form. If you would like to change, update, or delete your personal information, please send an email containing your request to webmaster@Stephens-Associates.com.

Changes to this Privacy Policy
Stephens-Associates.com reserves the right to modify or supplement this policy at any time. If a material change to the terms of this policy is made, Stephens-Associates.com will post a notice on its homepage and a link to the new policy.

Contacting Us
If you have questions about this privacy statement, the information practices of Stephens-Associates.com or your dealings with Stephens-Associates.com, please contact:

Stephens and Associates
972.392.1529 x 203