M. V. Hansen & Associates, Inc. (“MVHA”) Privacy Policy

MVHA has established implemented this Privacy Policy to protect and manage your (the customer’s) personal information The Privacy Policy also provides that MVHA will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on MVHA’s behalf.

Accountability: MVHA collects, at time of your registration and your sign-on to its web sites, certain “personal information” (information that personally identifies you) such as:

• Email Address
• Person's Name
• Postal Address
• Phone Number
• Fax Number
• Credit Card Information

Purposes for Collecting Personal Information: MVHA collects and uses personal information for the following Identified Purposes:

If we hire other companies to provide some products or services on our behalf, then we will only provide those companies the personal information they need for the Identified Purposes.

Consent for Collection, Use or Disclosure : Registration for MVHA products and services by a customer will constitute the customer’s consent for MVHA to collect, use and disclose personal information under this Privacy Policy. MVHA will normally seek a customer’s consent for any new uses and disclosures of the customer’s personal information, either at the same time it collects the personal information or after it has been collected but before it is used or disclosed for a new purpose. In certain circumstances however, MVHA will not be required to inform and obtain the consent of the customer, such as investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, or the collection of a debt.

A customer may withdraw such consent for collection, use and disclosure at any time, on prior written notice, provided that MVHAmay on such withdrawal suspend or terminate its products and services.

Limiting the Collection of Personal Information: MVHA limits its collection of personal information to only that information which is necessary for the Identified Purposes. MVHA does not knowingly collect personal information from children.

Cookies: When you visit any of MVHA’s web sites, a cookie may be placed on your computer or the cookie may be read if you have visited the MVHA site previously. MVHA uses cookies to allow MVHA to determine which products and services you have already purchased so that MVHA does not provide redundant information to you, and to track MVHA sales made to customers referred by you so that you can receive compensation under our affiliate program. If you choose to not have your browser accept cookies from MVHA web sites, you may not be able to view all the text on the screens, or to experience a personalized visit, or to subscribe to certain service and product offerings on MVHA’s sites.

Disclosure, Processing and Retention: MVHA does not sell, rent or disclose your personal information to anyone else except, when the Identified Purposes require MVHA to disclose the personal information to:

• an agent of the customer;
• agents of MVHA acting on its behalf for the Identified Purposes;
• a public authority, to avoid or minimize danger to life or property; and
• a third party to which disclosure is required by any law, regulation, legal process or government request.

Your information may be stored and processed in the United States, or in any other country in which MVHA or its affiliates, subsidiaries or agents maintain facilities. By using this web site, you consent to any such transfer of information outside of your country. MVHA abides by the “safe harbor” framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of data from the European Union.

After your account becomes inactive, MVHA will keep your personal information only for those purposes which are established by law, and for archival record purposes.

Accuracy of Personal Information: MVHA will use reasonable efforts to keep customer personal information accurate for the Identified Purposes, and for minimizing the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informing MVHA about changes to their personal information. MVHA will update personal information when necessary to keep it accurate or else provide customers the facility to make such updates.

Security Safeguards: MVHA will use reasonable efforts to protect personal information against loss, unauthorized access, disclosure, misuse or modification, through security safeguards that depend on the level of sensitivity of the information. Methods of protection include organizational measures (contract provisions, security clearance, limiting access to need-to-know MVHA personnel), technological measures (passwords, encryption), and physical measures (locked file storage, security card access). MVHA will control personal information disclosed to authorized third parties by entering into agreements which contain confidentiality provisions and restrictions on use and which limit the amount of information disclosed to only that which is needed for the Identified Purposes.