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Disclaimers and Terms of Use

Privacy Statement:
FPA Member Privacy Statement

The Financial Planning Association ("FPA" or "we") is an independent, non-profit organization with tens of thousands of individual and affiliated members. We want to demonstrate FPA's commitment to your privacy as a FPA member by disclosing our information practices in connection with the collection and use of personally identifiable information. As a FPA member ("you"), we are disclosing to you in this document:

  1. What personally identifiable information of yours is collected from you when becoming a FPA member and by accessing FPA's website at http://www.fpanet.org/;
  2. How the information is used;
  3. With whom the information may be shared;
  4. What choices are available to you regarding collection, use and distribution of the information;
  5. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under FPA control; and
  6. How you can correct any inaccuracies in the information.

FPA does not disclose any nonpublic personal information about our members to third parties except as described in this document or as otherwise required by law. If you feel that FPA is not abiding by its posted privacy policy, you should first contact FPA's Member Services Department at 800.322.4237 between 9 a.m. and 7 p.m. EST, or e-mail membership@fpanet.org.

Information Collection and Use
FPA is the sole owner of the information collected on www.fpanet.org (the "website") and from membership applications. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. FPA also collects information from our users at several different points on our Web site and through other means, such as meeting registration forms.

Member Information
In order to be a member of FPA, you must complete an application form and, once a year thereafter, update your contact information on a renewal form. FPA reserves the right to share data that we collect from members with affiliated FPA chapters and for other restricted purposes. During membership application or renewal, we request your business and home contact information (such as name, address, telephone number and e-mail address).

FPA collects your business contact information for several reasons: 1) it is generally the preferred contact address by members receiving membership information from FPA, both electronic or regular mail; 2) we share this information with a local FPA chapter or chapters for the purpose of providing you information about local member benefits, services and educational programs; 3) we use it for membership surveys to better serve you in the future; 4) we may provide temporary and restricted access to independent academic or market researchers on the financial planning profession; and 5) for restricted direct marketing purposes by third-party vendors.

With the exception of information shared with FPA chapters, all other third parties with whom business contact information is shared are prohibited from releasing the information to anyone else or from using it for purposes other than those outlined above. E-mail addresses are not shared with third parties except FPA chapters and organizations that provide continuing education credits if you apply for such credits in connection with one of our educational offerings. FPA chapters are strongly encouraged to adopt a privacy policy similar to FPA's policy. We encourage you to contact your local chapter to determine how your information is used by your local affiliate.

FPA collects your home contact information for two reasons. First, to expand FPA's grassroots database solely for legislative advocacy by matching your residential ZIP code (and you, as a voter) to members of Congress and state legislators; and second, to contact you if mail to your business address is returned to FPA.

None of your home information is shared with any outside third-party vendor except with respect to technical services necessary to maintain or audit FPA's database. These outside vendors are prohibited from sharing your home contact information with anyone else, unless you have provided your home address as your primary contact information. If you have given us only your home contact information on your membership application or renewal, then you must contact us if you do not wish to share it with third party vendors for marketing purposes. Please contact the Member Services Department at 800.322.4237 between 9 a.m. and 7 p.m. EST, or e-mail membership@fpanet.org if you wish not to share your information with third party vendors.

FPA Disclosure Statement:
The Financial Planning Association is the owner of trademark, service mark and collective membership mark rights in: FPA, and FINANCIAL PLANNING ASSOCIATION. The marks may not be used without written permission from the Financial Planning Association.

Contact Information on FPA PlannerSearch Website and the FPA Member Directory
If you participate in FPA's PlannerSearch referral program or choose to be listed in the FPA Member Directory, information that you have posted on the site, such as your e-mail address and other contact information, may be "scraped," or copied, from our website by third parties who may use this information to market products or services to you. Please be aware that FPA has no way of controlling information posted on a publicly accessible website and that you are solely responsible for any information posted in connection with PlannerSearch and/or the FPA Member Directory.

CFP Board Disclosure Statement:
CFP®, CERTIFIED FINANCIAL PLANNER™, and are certification marks owned by Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

PAC
Contributions to FPA-PAC are strictly voluntary.  You may decide not to contribute to FPA-PAC without fear of reprisal or disadvantage, and you will not be favored or disfavored as a result of your decision regarding such a contribution. Contributions are not deductible for federal income tax purposes. Contributions made by corporations are prohibited. Only U.S. citizens and persons admitted to the U.S. for permanent residence may contribute to FPA-PAC. Federal law requires political action committees to report the name, home mailing address, occupation, and name of employer for each individual whose contributions aggregate in excess of $200 in a calendar year.

FPA Internet Mail
As part of its membership benefits and services, FPA may electronically mail news of professional interest to you, including information on FPA products and services, via the Internet. If you do not wish to receive any information from us over the Internet, there are several ways to opt out. You may opt out when you fill out your membership application on your renewal statement or by contacting the Member Services Department at 800.322.4237 between 9 a.m. and 7 p.m. Eastern Standard Time.

FPA Website Surveys, Conference and Product Orders-
We request information from the user on our order form when planning to attend a FPA conference or to purchase a product or service from us. Attendees must provide contact information (such as name and shipping address) and financial information (credit card number, expiration date). This information is used for billing purposes and to fill customer's orders. If we have trouble processing an order, this contact information is used to get in touch with the user.

FPA may also post surveys on its website that collect information from the respondent. Such information is not distributed to third parties but is used for purposes of monitoring and/or improving the FPA website or other member services.

FPA members can update their membership records by calling the Member Services Department at 800.322.4237 between 9 a.m. and 7 p.m. Eastern Standard Time.

Cookies
A "cookie" is a piece of data stored on the user's hard drive containing information about the user. Some cookies track sites visited by the Internet user and your browser for marketing purposes. FPA's Web site does not employ this kind of cookie. The cookies in our website are used:

  • So that the Cold Fusion engine that enables our database-driven site knows which information to return to your browser.
  • So that forms (such as conference registration, membership renewals, etc.) are pre-filled during a visit in which you have logged in to the site.

No personally identifiable information is stored on your computer between visits to the FPA web site. This is to ensure both your security and that of FPAnet. To access the members-only section of FPAnet, the member's browser MUST be set to accept cookies.

Log Files
We use IP addresses to analyze trends, administer our website, track user's movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Information Sharing
FPA member lists may be sold on a restricted basis to vendors who market financial planning products and services to you. The only information provided to vendors is mailing lists with your business contact information and limited demographic data (or your home address if you list it as your primary contact). As mentioned earlier, other personally identifiable information such as your credit card information used for paying for products or for membership, and your home contact information (with the exception mentioned above for information shared with FPA chapters), are not shared with any third-party. E-mail addresses are not shared with third-party vendors except FPA chapters. Please consult with your local chapter to determine how e-mail addresses are handled.

At times, we may share business telephone numbers with third party companies for purposes of surveying our members. These third parties are prohibited by contract from sharing this information with anyone else or for any other purpose other than assisting FPA in developing better products and services for its members.

We will share demographic information with our partners and advertisers.

We use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services. FPA prohibits these companies in its contractual agreements from retaining, sharing, storing or using personally identifiable information for any secondary purposes.

We may partner with another party to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Links
FPA's website contains links to other sites. Please be aware that we 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 statements of each and every Web site that collects personally identifiable information. This privacy statement applies solely to information collected by FPA's website.

Surveys & Contests
From time to time FPA may request information from users who participate in our surveys and contests, either via our website, e-mail, or other media. Participation in these contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address), and demographic information (such as ZIP code, age level). Contact information will be used to notify any winners of prizes.

Security
This Web site takes every reasonable precaution to protect our users' information. When users submit sensitive information via the website, your information is protected both online and off-line to the best of FPA's ability. When our registration/order form asks users to enter sensitive information (such as credit card number), that information is encrypted and is protected with one of the leading encryption software in the industry - Secure Sockets Layer ("SSL"). While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just surfing. Verisign (http://www.verisign.com) is the company that provides encryption for the FPA website. While we use SSL encryption to protect sensitive information online, we also use reasonable efforts to protect member information off-line. All of our members' information collected by us, not just the sensitive information mentioned above, is restricted in our offices. If you have any questions about the security at our Web site, you can send an email to webmaster@fpanet.org.

Special Offers
Established members will occasionally receive information on products, services, special deals, and newsletters exclusively from FPA. As mentioned earlier, we do not share e-mail addresses of members with third parties. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see our choice and opt-out policy below.

Site & Service Updates
We also send to FPA members site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service. We communicate with the user to provide requested services and in connection with issues relating to their account via email or phone.

Correction/Updating Personal Information
If a member's personally identifiable information changes (such as your ZIP code), or if a person drops membership, we will endeavor to provide a way to correct, update or remove that member's personal data provided to us. This can usually be done by e-mailing our Member Services Department at membership@fpanet.org.

Choice/Opt-out
FPA members are given the opportunity to 'opt out' from having their information used for purposes not directly related to our website, at the point where we ask for the information. For example, our membership and order forms have 'opt-out' mechanisms so users who buy a product from us, but don't want any marketing material from FPA, can keep their e-mail address off of our lists. Users who no longer wish to receive our electronic communications may opt out of receiving these communications by replying to the email with "unsubscribe" in the subject line, or email us at membership@fpanet.org.

Notification of Changes
If we decide to change our privacy policy, we will post those changes on our Web site, linked from the Member home page so that our members and other users are always aware of what information we collect, how we use it, and under which 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, we will notify members. Members will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

CFP ®

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