Legal Disclosures [Privacy Policy]

Online Consumer Information Practices

CIP is committed to your privacy and security online. We want to satisfy you and provide a superior online experience while respecting your privacy.

Visiting Our Website

You can browse our site anonymously without identifying yourself during your visit. We will obtain information that personally identifies you when you specifically choose to provide it.

For example, during your visits to our web sites, you may request information, contact us, apply for CIP products or services or conduct transactions online. You will then need to give us certain personal information just as you would if you were communicating with us in person, by mail or by telephone. Be assured that we maintain electronic security safeguards to help protect personal information about you that we obtain via the Internet.

By providing information about yourself and your preferences, you can enhance your online experience with us. And, we will be able to better service your requests and/or inquiries.

How We Collect Information Online

When you visit our site we may ask you to "sign-in", complete a survey, or answer simple questions. These may include questions such as where you live, your e-mail address and your interest in receiving e-mail from CIP on new products and services. We collect this information so that we can determine what kinds of products and services are or most interest to you.

In order to constantly improve our web site and better serve our customers online, CIP may use software tools such as "cookies" to gather information about site visitors' browsing activities.

We may use cookies to improve and personalize our visitors\s experiences on our site. We track visitors on our web sites and individual information is aggregated and used to analyze trends and visitors' interests. We may also track activity and transactions on an individually identifiable basis if you apply for or use a CIP product or service online. We may use identification information we collect in order to protect against actual or potential fraud.

What is a Cookie?

"Cookies" are small amounts of date that a web site can send to a web browser on a visitor's computer. The cookie is stored on a visitor's computer. A cookie may enable the site holder to track how a visitor navigates through its site and the areas in which they show interest. This is similar to a traffic report: it tracks trends and behaviors, but does not identify individuals. Information gathered may include date and time of visits, pages viewed, time spent at the site, and the site visited just before and just after the CIP site.

Online Advertising

CIP uses cookies to evaluate our web site and to track advertising leads and campaigns from banner Ads, opt in e-mails and through third party ad services. CIP may hire companies such as third party ad services to track and report performance of advertising and marketing campaigns to and from CIP and third party web sites. We permit certain of these companies to set cookies and use related technology, such as tracking pixels.

These tracking pixels (also known as action tags, web beacons, or transparent GIF files) and other similar tracking technologies may be used to collect and store information about user visits, such as the user's anonymous cookie ID, page visits and duration, and the specific ad or link(s) that the user clicked on to visit the site. No personally identifiable information is stored on these cookies or web pixels. This user activity information is reported to us in aggregate and is anonymous. We use this information in aggregate to understand, for example, the effectiveness of our advertising and marketing.

E-Mail Communications

If you choose to send us an e-mail message, we may retain the content of the e-mail, your e-mail address, and our response in order to service your needs.

If you agree to receive e-mail offers or e-mail massages from CIP, we may use the date that you provide to send you e-mail offers that may be of special interest to you. If you unsubscribe from these e-mail messages, you will not receive these messages from CIP via e-mail.

E-mail Opt Out

If you no longer wish to receive e-mail offers or solicitations from CIP, you may unsubscribe by following the instructions in the original e-mail you received. The instructions and generally located at the bottom of the e-mail. If you receive e-mails from third parties or program partners on behalf of CIP, please be sure to unsubscribe through the instructions in the e-mail or contact these third parties directly.

If you opt out of e-mail solicitations, CIP reserves the right to contact you via e-mail to service and maintain your account relationship. For example, we may notify you about fraudulent activity on your account, respond to any customer inquires, or alert you to web site changes or outages.

Email Tips

Do not provide your e-mail address to third party web sites without reading the privacy and security policies and terms and conditions of these sites to ensure you understand the circumstances in which your e-mail address will be used.

If you suspect suspicious or fraudulent activity related to your account(s), please let your account provider know right away. You should also contact your Internet Service Provider so they may block suspicious messages from your e-mail inbox. To learn more about how to control and manage your incoming e-mails, please refer to your Internet Service Providers' online resources. You may also visit the Federal Trade Commission's web site on spam at http://www.ftc.gov/spam.

Links to Third Party Sites

CIP is not responsible for the information practices employed by sites linked to or from our web site. In most cases, links to non-CIP web sites are provided solely as pointers to information on topics that may be useful to the users of the CIP web site. Since Third party web sites may have different privacy policies and/or security standards governing their sites, we advise you to review the privacy policies and terms and conditions of these sites prior to providing any personal information.

Children's Online Privacy Statement

Protecting children on the Internet is very important to us. For that reason, CIP does not intentionally collect information at our web sites from those we actually know are under 13, and no part of our web site is intended to attract anyone under 13. Parents can be proactive and limit web site access to their children by installing filtering software.

The Children's Online Privacy Protection Act (COPPA) protects children under the age of 13 from the online collection of personal information. Learn more about COPPA by visiting the Federal Trade Commission's web site for children's privacy.