Privacy Policy

This Online Privacy Policy (“Policy”) applies to your interaction with Tetra Financial Group, L.L.C. or any of its subsidiaries (collectively, the “Company,” “we,” “us,” “our”), at any online or mobile site or application that we own and control (the “Site”), unless a different online and/or mobile policy is posted at a particular site, or is made available to you and by its terms supplants this Policy. Other privacy policies may also apply in addition to the terms of this Policy. This Policy does not apply to information provided to the Company by any other means (such as email or offline activities).

Agreement to Policy: By using the Site, you consent to this Policy, including your consent to our use and disclosure of information about you in the manner described in this Policy.

Types of information: You may interact with us in a variety of ways online, including through a mobile device. We may offer sites or applications that permit browsing and do not require registration. We may also offer the ability to access your accounts or information online. Information that we may collect about you through online interaction includes information that you input, such as your name, address, email address, other contact information; data resulting from your activity, such as transaction information, which pages on the Site you visited and when they were visited, your browser type and platform, the link that brought you to the Site and any links clicked within the Site; and location information. We may also gather additional information, such as the type of device and browser you are using, the IP address of your device, information about your device’s operating system, and additional information associated with your device. We may also gather information collected through cookies, tags, and other technologies. If you decide to register online or request information, products, or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services.

Cookies: If you visit the Site, a cookie or local shared object may be used to help us measure the number of visits, average time spent, page views and other statistics relating to the Site. A cookie is a small piece of data stored by your Internet browser on your computer’s hard drive. Our cookies are not used to get data from your hard drive or obtain your e-mail address or identity. If you decide to register online or request information, products or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services. You may set your Internet browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that by not accepting cookies or local shared objects you may limit Site functionality and your ability to access certain information, products, and services we offer. And not accepting cookies or local shared objects will not completely limit the information we collect through automated means. Other parties that may collect information about your web browsing behavior when you use the Site are generally limited to service providers who may only use any information collected to provide services and marketing for us and not to provide services or advertising for any other party. Note, however, that we also provide certain widgets or tools on our sites, such as tools that allow web surfers to easily share information on another platform, such as a social media platform. At other times, information from a third party may be embedded on our site, such as a map or information streaming from another site, including communications streaming from a third party social media platform. These widgets, tools, and informational items often function through the use of third party cookies utilized by the third party site, such as the social media platform. As a result, these third parties may have access to information about your web browsing on the pages of the Site where these widgets, tools, or information are placed. You may wish to review information at third party sites, such as social media platforms where you have an account, to determine how these third parties treat data that they obtain through the use of cookies.

Using information: In addition to the uses described above, we use information for purposes as allowed by law, including servicing; communicating with you; improving the Site, products, or services; legal compliance; risk control; information security; anti-fraud purposes; marketing or personalizing the presentation of our products and services to you; monitoring online promotions; gathering data about the use of the Site and tracking website usage, such as number of hits, pages visited, and the length of user sessions in order to evaluate the usefulness of our sites; and using read-receipt notifications in our email communications. We also may use cookies for purposes such as maintaining continuity during an online session.

Sharing: We may share information with service providers and/or strategic partners that work with us to provide products and services, or that help us market to customers,. It may also be necessary or permitted by law, legal process, litigation, and/or requests from public and governmental authorities for us to disclose your information. We may also disclose information about you if we determine that for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate. We may also disclose information about you if we determine that disclosure is reasonably necessary to enforce our terms and conditions or protect our operations or users. Additionally, in the event of a reorganization, merger, or sale we may transfer any and all personal information we collect to the relevant third party.

Social sharing tools: Use of third party social sharing sites is governed by the privacy practices of those services. The Company does not capture or store your login information or other personally identifiable information for these services, however session information or cookies may be stored.

Children: This Site is not directed to or intended for individuals under 13 years of age and we do not knowingly solicit information from children under 13 years of age.

Other sites available through links on the Site: This Site may provide links to other sites, but this Policy applies only to this Site and information you disclose through other sites is subject to the privacy statement or policy of those other sites. We are not responsible for the content, privacy practices or your use of these linked sites.

California: Under California law, residents of California have the right to request from a business with whom the California resident has an established business relationship certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such third party and the identities of the third parties with whom the business has shared such information in the immediately preceding calendar year. To access this information, write to the Company using the contact information posted on the Site. Also, in Connection with the California Online Privacy Protection Act we are advising you that we do not respond to browser do-not-track signals. All information on who we share your data with and your choices are discussed in this statement.

Updates to this Policy: This Policy is subject to change. Please review it periodically. We reserve the right to modify or supplement this Policy at any time. If we make any material change to the Policy, we will update the Site to include such changes. We recommend that you review this Policy regularly for changes. Your use of the Site following these changes means that you accept the revised Policy.

How you can contact us: To contact the Company about the Site or about this Policy, please contact us or visit

Last updated: April 14, 2014

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