At Inceptia, maintaining the trust and confidence of the individuals we serve is a high priority. That’s why we want you to understand how we protect your privacy when we collect and use information about you. We respect your right to privacy and recognize our obligation to keep information about you secure and confidential. We do participate in a number of programs with commercial business partners, and we make available some of those programs to individuals using this website, but only if the user affirmatively agrees to receive information and participate in such programs. Otherwise, we do not sell or share information about you with outside marketers or other companies which may then try to sell their products or services to you.


This website is designed to provide accurate and authoritative information with regard to the subject matter covered. It is provided with the understanding that Inceptia is not engaged in rendering legal, accounting or other professional advice. Since individual situations may be fact-dependent, and if expert advice is required, the services of a competent professional should be sought. Before acting on the suitability of this information for your personal situation, please consult your accountant, financial advisor, investment counselor or other knowledgeable professional. References to specific companies, stocks or other investments are “for example only” and such information may have been previously disseminated in another format.


The following are the types of information we may collect:

Information You Provide Us. Personal information such as your user ID and password, name, e-mail address, telephone number, physical address, birth date, gender, zip code or other information may be collected via the site.

Site Usage Information. We may receive and store certain types of information whenever you visit the site. For example, we may collect click-stream data and your IP address.

E-mail Communications. When you open e-mails from the site, we may receive a confirmation noting you opened an e-mail from us, if your computer supports such capabilities. We also may keep track of what e-mails we send you and what e-mails you may be receiving from any of our affiliates. Additionally, we keep a record of what e-mails you have opted to receive and those e-mail transmissions you have declined.

Information from Other Sources. We may receive information about you from other sources and add it to the company’s database.


We may collect information from you in several different areas on the site, including but not limited to those described below:

Registration. We may ask you to complete a registration form through an opt-in process and provide personally identifiable information; you may also be asked to choose a user ID and password in order to take advantage of certain features the site may choose to offer including, but not limited to, newsletters, forms, business partner programs, or other subscription based services.

Newsletters and Site E-mails. We may offer free newsletters to share information with you about the site, about us and our affiliates and subsidiaries, or about our business partners. You may receive a newsletter either by registering for a particular newsletter or in conjunction with a special feature or membership for which you have registered on the site. You may cancel your free e-mail subscription by following the instructions provided on the site or, in some instances, in the designated area on certain newsletters or e-mails.

Surveys. From time to time, we may request personally identifiable information from you via surveys. Participation is voluntary and you will have the opportunity to decide whether or not to disclose information. At times, you may have to register to take part in a survey.

Cookies. As with many websites, this site uses standard technology called “cookies”, which are small data files that are transferred to your computer when you allow your browser to accept cookies. Cookies automatically identify your web browser to the site whenever you visit the site, and make using the site easier for you by saving your passwords, purchases, and preferences. By tracking how and when you use the site, cookies help us determine which areas are popular and which are not. Many improvements and updates to the site are based on data obtained from cookies. Accepting cookies allows you, among other things, to personalize your experience on the site. Cookies may also allow the site to present you other information which may be of interest to you. If you do not want information collected through the use of cookies, you generally can opt out of providing this information by turning the cookies off in your browser; however, some areas of the site may not provide you with a personalized experience if you have disabled the use of cookies.

IP Addresses and Click-stream Data. We may collect IP addresses and/or click-stream data for purposes of system administration and to assemble aggregate information used for our internal operations. An IP address is a number that is automatically assigned to your computer whenever you access the Internet. Our computers identify your computer by its IP address. When you request web pages from the site, our computers log your IP address.

Click-stream data is information collected by our computers when you request web pages from the site. Click-stream data may include such information as the page served, the time, the source of the request, the type of browser making the request, the preceding page view and other such non-personal information. When analyzed, this data helps us examine how visitors arrive at the site, what type of content is most popular, what type of visitors in the aggregate are interested in particular kinds of content, and the like.


The information you provide to us may be used to:

  • Contact you about the site;
  • Confirm or respond to a request you have made;
  • Monitor or improve the use of the site;
  • Customize the content you see;
  • Monitor compliance with our terms and conditions of use of the site;
  • Provide special offers to you from Inceptia and its affiliates and subsidiaries and, occasionally, our business partners and other third parties;
  • Send you promotional materials associated with the programs provided by Inceptia and our business partners.

We do not disclose any personally identifiable information about you to anyone, except as identified above or as may be otherwise permitted by law. We restrict access to personally identifiable information to our employees who need to know the information, and to our contractors and agents, in order to provide service to you as may be made available within the site. We maintain physical, electronic and procedural safeguards in compliance with federal law to safeguard personally identifiable information.

Behind this privacy policy is a simple idea. We want you to know that you can count on Inceptia to protect the privacy and security of the information collected from you, and that we will provide you with the responsive, professional service we believe you deserve.