Olson Research Associates, Inc.
Asset/Liability management solutions for community banks...manage your bank, not your model.

Internet Privacy Policy at Olson Research Associates, Inc.

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Effective Date: 09/21/2016

This privacy policy applies to www.olsonresearch.com ("Site") owned and operated by Olson Research Associates Inc. ("Olson Research", "Us", "We", "Our"). This privacy policy describes how Olson Research Associates Inc. collects and uses the personally identifiable information you provide on our web site: www.olsonresearch.com. It also describes the choices available to you regarding our use of your personally identifiable information and how you can access and update this information.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact our U.S.-based third party dispute resolution provider (free of charge) at https://feedback-form.truste.com/watchdog/request.
 
Olson Research Associates Inc. has agreed to notify you of the following:

  1. What personally identifiable information we collect, be it first party or third party personally identifiable information. 
  2. The organization collecting the information.
  3. How the information is used.
  4. With whom the information may be shared.
  5. What choices are available to you regarding collection, use and distribution of the information.
  6. The kind of security procedures that are in place to protect against the loss, misuse or alteration of information under Olson Research Associates control.
  7. How you can correct any inaccuracies in the information.

The Federal Trade Commission has published numerous documents on electronic commerce and privacy on the internet. Click here for "Computers & the Internet: Privacy & Security".

Information Collection and Use

Olson Research Associates is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this policy. Olson Research Associates collects information from our users at several different points on our website.

Use of email addresses
We record email addresses of customers and guests when they are provided on the forms on our web site or when they are given to us by the address owner with instructions to sign our guest book on their behalf. Addresses contained in email we receive (the "From" or "Reply To" addresses) are not recorded in a database. Any addresses we obtain as a referral by one of our customers are recorded in a separate database to help us avoid future "spam" email to these addresses. Any email sent to these addresses will contain instructions on how the owner can request that their address be removed from our database altogether. Email address owners may request removal of their information by emailing webadmin@olsonresearch.com.

Registration

For A/L Benchmarks® customers
Often, we create user accounts on behalf of our customers using previously provided contact information. Our customers can create their own accounts by providing an active email address and a code they would have obtained via our services previously. We use the email address to verify their identity and thus we require that it remain active. We require our customers maintain a password for their account.

For Guests
Some of the services of our website are completely open, that is, we don't request any identifying information or charge a fee to view or use the information. For some of our product information and for any free services, we require a user to provide an email address, name and company name, phone number and optionally provide other (Position/Title, Fax #, address & Regulatory ID #) identifying information.

Blogs and Testimonials

We post customer testimonials on the Website. These testimonials may include the customer's name. We obtain our customer's consent prior to posting testimonials. Any personally identifiable information a customer elects to disclose within their testimonial or in a blog (which requires log in using an open ID such as Facebook, Twitter, or registering an account) comment is publically available and can be used to send you unsolicited messages for which Olson Research is not responsible.
 
To request removal of your personally identifiable information from our blog or community forum, contact us at webadmin@olsonresearch.com. In some cases, we may not be able to remove your personally identifiable information, in which case we will let you know if we are unable to do so and why .

Cookies and Tracking Technologies

We at Olson Research Associates Inc. and our partners use technologies such as cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. Users can control the use of cookies at the individual browser level.
 
Portions of our web site are hosted by third party providers. These providers may display advertising on the portions of our site that they host. These third party providers may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Log Files

We use third parties to gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
 
We may combine this automatically collected log information with other information we collect about you. We do this [to improve services we offer you, to improve marketing, analytics, or site functionality.

Sharing

We will share your personal information with third parties only in the ways that are described in this privacy policy.
 
We do not share any information we obtain (via our web site or otherwise) with any third parties for their promotional purposes. Where necessary for maintenance, we may provide access to information on our Website to the third party agent hosting the site on our behalf in providing better service to our users. This third party agent has no authorization to access or use any personally identifiable information we provide for their own promotional purposes. We may provide your personal information to companies that provide services to help us with our business activities such as shipping your order or offering customer service. These companies are authorized to use your personal information only as necessary to provide these services to us.

Links

This web site contains links to other sites. Please be aware that we, Olson Research Associates, Inc., are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy policies of each and every web site that collects personally identifiable information. This privacy policy applies solely to information collected by this Web site.

Newsletter and Industry Report

We publish a monthly newsletter and a quarterly Industry Report. All customers and guests can choose to receive an email notice each time these publications become available at our web site. Please see our choice and opt-out below.

Site and Service Updates

We also send our users (customers & guests) site and service announcement updates. We don't allow users to un-subscribe from service announcements, which contain important information about our web site services and considered a part of your use of our service. User’s can, however, elect not to receive product information. We also communicate with our users (both customers & guests) via email or phone to provide requested services and in regards to issues relating to their account. Please see our choice and opt-out below.

Security

This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, their information is protected both online and off-line.

When our registration form asks users to enter sensitive information (such as customer code or regulatory identifiers), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our sign-in form or any customer services page, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to
un-locked, or open, when you are just ‘surfing’.

To learn more about SSL, follow this link: http://www.webopedia.com/TERM/S/SSL.html .

You can verify the authenticity of our server’s security with Thawte by clicking on the image at the right:

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Our employees must use password-protected screen-savers when they leave their desk. When they return, they must re-enter their password to re-gain access to your information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about the security at our website, you can send an email to webadmin@olsonresearch.com.

Correcting and Updating Personal Information

Upon request Olson Research Associates Inc. will provide you with information about whether we hold any of your personal information. If your personally identifiable information changes (such as a zip code or phone number), or if you no longer desire our web site services, we will endeavor to provide a way to correct, update or remove personally identifiable information that you have provided to us. We will respond to your request within a reasonable timeframe. This can be done at our web site’s account information page, by emailing our Web administrator, or by contacting us via postal mail, telephone or fax. Please see "Contacting the Web Site" below.
 
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Choice/Opt-out

You are given the opportunity to ‘opt-out’ of having your information used for purposes not directly related to our site at the point where we ask for the information. For example, our account information page has an ‘opt-out’ mechanism so you can be excluded from receiving email containing our marketing material. You have similar control of email subscriptions to our monthly newsletter and quarterly Industry Report. You can change this information yourself at our web site's account information page, by selecting the 'unsubscribe' link present in each email we send out, or you can request the changes by contacting our Web administrator via email, postal mail, telephone or fax. Please see "Contacting the Web Site" below.

Notification of Changes

If we decide to change our privacy policy, we will post those changes on our Homepage so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected or if we make any material change, we would notify you by way of an email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. You would have a choice as to whether or not we use your information in this different manner. We would use information in accordance with the privacy policy under which the information was collected.

Disclaimer

In certain situations, Olson Research Associates Inc. may be required to disclose personal data in response to lawful requests by public authorities, including to meet national security or law enforcement requirements. Though we make every effort to preserve your privacy we may need to disclose personally identifiable information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.
 
If Olson Research Associates Inc. is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personally identifiable information, as well as any choices you may have regarding your personally identifiable information.

Contacting the Web Site

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If you have any questions about this privacy policy, the practices of this site, or your dealings with this Web site, you may contact our Web Administrator:
  • By email at webadmin@olsonresearch.com
     
  • By postal mail:
    • Olson Research Associates, Inc.
      10290 Old Columbia Road
      Columbia, Maryland 21046

       
  • By telephone:
    • 410-290-6999
    • 410-290-6726 (fax)