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Privacy Notice

What This Privacy Policy Covers

This policy covers how 4thDesign treats personal information that 4thDesign collects and receives, including information related to your past use of 4thDesign products and services.
Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.
This policy does not apply to the practices of companies that 4thDesign does not own or control, or to people that 4thDesign does not employ or manage.

< Information Collection and Use >

4thDesign collects personal information when you register with 4thDesign, when you use 4thDesign products or services, when you visit 4thDesign pages or the pages of certain 4thDesign partners, and when you enter promotions or sweepstakes.
4thDesign may combine information about you that we have with information we obtain from business partners or other companies.
When you register we ask for information such as your name, email address, birth date, gender, zip code, occupation, industry, and personal interests.
For some financial products and services we may also ask for your address, Social Security number, and information about your assets.
Once you register with 4thDesign and sign in to our services, you are not anonymous to us.

4thDesign collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.
4thDesign automatically receives and records information on our server logs from your browser, including your IP address, 4thDesign cookie information, and the page you request.
4thDesign uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research and provide anonymous reporting for internal and external clients.

When a child under age 13 attempts to register with 4thDesign, we ask that he or she have a parent or guardian create a 4thDesign Family Account to obtain parental permission.
4thDesign will not contact children under age 13 about special offers or for marketing purposes without a parent's permission.
4thDesign does not ask a child under age 13 for more personal information, as a condition of participation, than is reasonably necessary to participate in a given activity or promotion.

Information Sharing and Disclosure
4thDesign does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:
We provide the information to trusted partners who work on behalf of or with 4thDesign under confidentiality agreements.
These companies may use your personal information to help 4thDesign communicate with you about offers from 4thDesign and our marketing partners.
However, these companies do not have any independent right to share this information.

We have a parent's permission to share the information if the user is a child under age 13.
Parents have the option of allowing 4thDesign to collect and use their child's information without consenting to 4thDesign sharing of this information with people and companies who may use this information for their own purposes;
We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;
We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of 4thDesign's terms of use, or as otherwise required by law.
We transfer information about you if 4thDesign is acquired by or merged with another company.
In this event, 4thDesign will notify you before information about you is transferred and becomes subject to a different privacy policy.
4thDesign displays targeted advertisements based on personal information.
Advertisers (including ad serving companies) may assume that people who interact with, view, or click on targeted ads meet the targeting criteria - for example, women ages 18-24 from a particular geographic area.
4thDesign does not provide any personal information to the advertiser when you interact with or view a targeted ad.
However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
4thDesign advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).

4thDesign may set and access 4thDesign cookies on your computer.
4thDesign lets other companies that show advertisements on some of our pages set and access their cookies on your computer.
Other companies' use of their cookies is subject to their own privacy policies, not this one.
Advertisers or other companies do not have access to 4thDesign's cookies.
4thDesign uses web beacons to access 4thDesign cookies inside and outside our network of web sites and in connection with 4thDesign products and services.

< Your Ability to Edit and Delete Your Account Information and Preferences >

You can edit your 4thDesign Account Information, including your marketing preferences, at any time.
New categories of marketing communications may be added to the Marketing Preferences page from time to time.
Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.
We reserve the right to send you certain communications relating to the 4thDesign service, such as service announcements, administrative messages and the 4thDesign Newsletter, that are considered part of your 4thDesign account, without offering you the opportunity to opt-out of receiving them.
You can delete your 4thDesign account by visiting our Account Deletion page.
Please click here to read about information that might possibly remain in our archived records after your account has been deleted.

Parents can review, edit, and delete information relating to their child's 4thDesign account using tools offered by 4thDesign Family Accounts.
If a parent chooses not to allow us to further collect or use a child's information, parents enrolled in 4thDesign Family Accounts can delete their child's account by signing into that child's account and then visiting our Account Deletion page.
Please click here to read about information that might possibly remain in our archived records after your account has been deleted.

Confidentiality and Security
We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
Your 4thDesign Account Information is password-protected.
In certain areas 4thDesign uses industry-standard SSL-encryption to protect data transmissions.

Changes to this Privacy Policy
4thDesign may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your 4thDesign account or by placing a prominent notice on our site.

Questions and Suggestions
If you have questions or suggestions, feel free to contact us.