PRIVACY STATEMENT FOR: WWW.PHELPSFINANCIAL.COM Welcome to Phelps Financial Services, Inc. We have created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering, dissemination practices, and data protection for this website: www.phelpsfinancial.com We use your IP address to help diagnose problems with our server and to administer our website. Your IP address is also used to help identify you and your interests. We also gather broad demographic information for assisting us with making our site user friendly and to offer information that meets people's needs with regard to the products we offer. If you request information about our products, we have information forms that need completed in order for us to reply with correct information for you as explained below. Users may opt-out of receiving information and news items sent or other contacts by noting the choice/opt-out section below. Our opt-out choice would not apply to normal and accepted activities that would involve the proper administration of your account, or to those otherwise required or specifically permitted by federal or state law. Our information forms Our site's information forms require users to give us contact information like their social security number, financial information, current insurance policy information, and demographic information like addresses, phone numbers, email addresses, household information such as the residence's income level, and likes and dislikes regarding risk management. We use this contact and financial information to assist us in identifying you and to determine your qualifications for the correct products and pricing for products--that we offer and which may meet your needs--which you request information on or that you may assume we will give you because of the nature of our business and/or relationship with you. This information is also used to help us properly administrate your accounts with us. For example, we need account information to transact payments and such with you. Users may opt-out of receiving information and news items sent to our clients or other contacts by noting the choice/opt-out section below. Your choice to opt-out could make if difficult for us to service your account with us to your satisfaction. Supplementation information This site supplements the information that you provide with information that is received or gathered from third parties such as credit reporting agencies, motor vehicle records, former insurance companies, financial institutions, employers, health providers, and other such parties as needed for proper account administration, reporting, investigating, or preventing fraud or material misrepresentation, processing premiums, processing insurance claims, administering insurance benefits (including utilization review activities), participating in research projects, or processes otherwise required or specifically permitted by federal or state law. Cookies This site does not use cookies in our relationship with our users. Children's Security We strive to protect the integrity of provided information and its use for this site's intended use to support proper business dealing, and as such, this site is not aimed at use by children. We encourage parents to be actively involved in their children's activities with this site since we are concerned that if children are using this site and requesting information, its integrity could not be valid. We therefore monitor information that comes and goes on this site, with this protection in mind, as a concerned parent and business owner. Security This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We do not sell or give information or data to a non-affiliated third party for use in telemarketing, direct mail, or electronic marketing, whether or not an opt-out has been provided. There are exceptions to sharing your information with consumer reporting agencies and other third parties so that we can retrieve necessary data for underwriting and quoting requested products. We back-up the data several different ways so as to protect its integrity. Correct/update of data and information We encourage your participation in periodical reviews of your records with us so that we know that your data and information is correct. This will assist us in properly administrating your accounts and in making sure your products are meeting your needs and are at the correct pricing for you. We all deal with change in our lives, and with our busy living, we often forget to relay these changes to those who assist us with events and matters of our life. Thank you for your concern and attention in working with us on this. This will help us to have a growing and beneficial relationship with you. This site gives users the following options for changing and modifying information previously provided. Choice/opt-Out Our site provides users with the opportunity to opt-out of receiving communications from our business, related partners, and affiliates at the point where we request information about the visitor. This site also gives users the following options for removing their information from our database so not to receive future communication or to no longer receive our services if they have chosen not to do business with our firm. This site also gives users the opportunity of opt-out if they have purchased any of our products or services as to sharing your non-public personal information with a third party or nonaffiliated party, except otherwise required or specifically permitted by federal or state law for the proper administration of your account with our firm. Links to other websites This web site provides links to external websites maintained by individuals or organizations external to Phelps Financial Services, Inc. Once you access information that links you to another website, you are subject to the privacy policy of the website containing the information you have linked to. Contacting the website If you have any questions about this privacy statement, the practices of this site, or your dealing with this website, you can contact us at: Phelps Financial Services, Inc. 659 Park Meadow Rd., Suite H Westerville, Ohio 43081 Toll free phone at: 877-471-7997 Email: pfs@phelpsfinancial.com Changes to this site www.phelpsfinancial.com reserves the right to make changes to this privacy policy at any time and requests that you review this policy for updates. Last updated 08/13/2004 You can send an email stating your requested opt-out choice to: pfs@phelpsfinancial.com. You can call us toll free at 877-471-7997 and request a similar opt-out choice. Email: pfs@phelpsfinancial.com with corrections or a request to meet with us. Call the following toll free number: 877-471-7997 with corrections or a request to meet with us. Periodically we will notify you that we would like to meet with you to review your data and update it.