Terms & Privacy

Terms & Privacy

TERMS OF USE

Your use of this Web site is subject to the terms and conditions set out below. Your accessing and use of the site and its contents constituted your agreement to these terms and conditions. The appearance, design, content and graphics of this Web site are the property of Missouri Retired Teachers Association and are protected by applicable copyright laws and may not be copied, used, reproduced, altered, distributed, or transmitted in whole or in part without the express written consent of Missouri Retired Teachers Association which reserves all rights. Re-use of any of the content or graphics in any medium, electronic or otherwise, for any purpose is strictly prohibited. Any unauthorized use of the text, images, audio and video may violate copyright, trademark, privacy and publicity laws and other civil and criminal statutes of the United States and other countries. Links to this Web site may not be made without the express written permission of Missouri Retired Teachers Association. Please direct your request for such links to mrta@mrta.org. The "Missouri Retired Teachers Association" and other Government, Department, and/or Enterprise names and logos are trademarks of Missouri Retired Teachers Association. All other copyrights, trademarks or service marks used or referred to on this Web site are the property of their respective owners. Nothing contained on this Web site should be construed as granting, expressly or by implication, estoppel, or otherwise, any license or right of use of any copyright, trademark or service mark displayed on the Web site without the written permission of Missouri Retired Teachers Association or such third party owners. The information on this site is provided solely for general illustrative and instructional purposes only, and does not create a business or professional services relationship. Missouri Retired Teachers Association makes no representation or warranty concerning the content or suitability of the information on this Web site for any purpose.

The articles, information and works provided in this Web site are provided "AS IS", WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHERWISE. Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusion may not apply to you. Missouri Retired Teachers Association may change the information in this Web site at any time without notice. Missouri Retired Teachers Association assumes no liability for the use or interpretation of information contained herein. Decisions based on data or information are the responsibility of the visitor to this Web site. Any Missouri Retired Teachers Association publication contained in or referenced is based upon information which we believe to be reliable, but may include technical inaccuracies or typographical errors. Changes may be periodically made to these publications; these changes will be incorporated in new editions of these publications. Missouri Retired Teachers Association may make improvements or changes in the products or the programs described in these publications at any time without notice. This site contains links to Web sites and/or servers maintained by other organizations. Missouri Retired Teachers Association cannot and does not make, and expressly disclaims, any and all warranties concerning the accuracy or source of information found or accessed through this site or the content of any file that you might choose to download from a third party Web site. When you use any of these links to access another Web site, you are leaving the Missouri Retired Teachers Association Web site and any representations of undertakings made by Missouri Retired Teachers Association cease to apply to your online session. Missouri Retired Teachers Association assumes no responsibility, and shall not be liable for, any direct, indirect, special, incidental or consequential damages to, or viruses that may infect, user's computer or other property on account of user's access to, use of, or browsing in the linked Web site or user's downloading of any materials, data, text, images, video, or audio from the linked Web site. This includes but is not limited to the loss of data or loss of profit, even if Missouri Retired Teachers Association was advised of the possibility of such damages. Missouri Retired Teachers Association reserves the right to modify or amend these terms and conditions at any time and for any reason. Any changes to these terms and conditions apply as soon as they are posted on this Web site. By continuing to use the Web site after any changes are posted, user acknowledges acceptance of those changes.

Jurisdiction And Applicable Laws 
The posting of this Web site on the World Wide Web by Missouri Retired Teachers Association is a passive activity in itself. Access to this Web site by persons in any jurisdiction does not imply that Missouri Retired Teachers Association intends to purposely avail itself of the privilege of conducting activities within such jurisdiction, nor does it imply that Missouri Retired Teachers Association invokes the benefits and protections of the law of such jurisdiction. This Web site was developed in the United States of America in accordance with its laws. Your browsing in and use of the Web site shall be deemed acceptance of the laws of the State of Missouri and the United States of America. Notwithstanding the foregoing, this Web site may be reviewed internationally and may contain references to products or services not available in all countries. References to a particular product or service do not imply that Missouri Retired Teachers Association intends to make such products and services available in such countries.

PRIVACY

Introduction: Missouri Retired Teachers Association has a strong commitment to providing excellent service to all of our residents, visitors, and customers, including respecting their concerns about privacy. We understand that visitors to our website may have questions about whether and how this website collects and uses information. We have prepared this statement to inform you of the privacy principles that govern Missouri Retired Teachers Association and associate websites.

This statement contains numerous general and technical details about the steps we take to respect your privacy concerns. The bottom line is that the needs and expectations of our customers form the foundation of everything we do - including protecting your privacy.

Browsing: We have not configured this website to collect any personal information from your computer when browsing this site. This means that, unless you voluntarily and knowingly provide us with personal information, we will not know your name, your email address, or any other information identifiable to you.

Internet Protocol (IP) Address: An IP address is a number that is automatically assigned to your computer every time you browse the Internet. When users request a page from our site, our servers log the user's current IP address. We use IP addresses to help diagnose problems. We do not link IP addresses to any personal information about you.

Cookies: Our website uses "cookie" technology. "Cookies" are encrypted strings of text that a website stores on a user's computer. A cookie may be used to:

  • recognize return visitors;
  • allow registered users to login without typing their login name each time;
  • "remember" the purchases you place in the "shopping basket" for that visit;
  • customize the appearance of our website based on your preferences;
  • store and recall user preferences and identify which of our web pages are most useful for our visitors;
  • measure usage of our site and the various pages on the site; and
  • provide functionality and content that we believe would be of interest and value to you.

The type of cookies that we use are referred to as "persistent" cookies because they remain on a user's computer hard drive until they are deleted by the user. We do not use cookies to gather information concerning your visits to other sites, nor ascertain any personal information about you apart from your dealings with Missouri Retired Teachers Association and your history with Missouri Retired Teachers Association. Cookies do not corrupt or damage your computer or computer files.

If you do not wish to receive these cookies, you may set your browser to reject the cookies (consult the instructions for your particular browser on how to do this), although doing so may affect your ability to perform certain transactions on our website.

Information Needed to Execute the Transaction You Request: When we need to collect information from you, we will ask you to voluntarily supply us with the information we need. For example, if you would like to register for an event, we will ask you for information such as name, address, telephone number, email address, etc. We might use your information to contact you for help to process the registration.

We may also ask you to fill out an online customer survey, to obtain your suggestions or comments about your use of Missouri Retired Teachers Association services, or for similar purposes. Providing this information is voluntary and it is used only for the purpose for which the information was collected and is not used for direct marketing or shared with other companies.

Securing the Transmission and Storage of Information: When applicable, your information is transferred using a Secured Sockets Layer (SSL) connection provided you are using an SSL enabled browser such as Microsoft Internet Explorer or Firefox. This ensures that your information is encrypted as it travels over the Internet. This secure mode is enabled before any such information is transmitted from your computer.

You will know you are in secure mode when the padlock icon in the lower right-hand or left-hand corner of the computer screen appears in the locked position. In addition, when accessing a secure server, the first characters of the site address will change from "http" to "https." After information reaches Missouri Retired Teachers Association it is stored on a secure server that resides behind a firewall that is designed to block access from outside the Company.

E-mail: It is our intention to only send you email communications that will be useful to you and that you want to receive. When you register on a Missouri Retired Teachers Association website and provide your email address, we may occasionally contact you via email and provide information about news, products or offerings that may be of interest to you.

If you would prefer not to receive such emails, you have the opportunity to opt-out of future emails from Missouri Retired Teachers Association

Missouri Retired Teachers Association Use of Information: We treat the information you provide to us as confidential information; it is, accordingly, subject to our company's security procedures and strict corporate policies regarding protection and use of confidential information. Because laws applicable to personal information vary by country, our government and business operations may put in place additional measures that vary depending on the applicable legal requirements. Information is generally processed and stored in the United States.

The personal information you provide to us may be made available to other Missouri Retired Teachers Association entities. The information you provide may be used by us for communication or direct marketing of a Missouri Retired Teachers Association entity. Missouri Retired Teachers Association may use the services of a third party for email or direct mail.

Disclosure of Information to Third Parties: Missouri Retired Teachers Association prohibits the sale or transfer of personal information to entities outside of the Missouri Retired Teachers Association government and family of companies for their use without your approval and giving you the opportunity to opt-out.

Links to Other Sites: If you choose to leave this Missouri Retired Teachers Association site via links to other non-Missouri Retired Teachers Association sites, including those of advertisers, Missouri Retired Teachers Association is not responsible for the privacy policies or content of those sites, nor is Missouri Retired Teachers Association responsible for the cookies those sites use.

Legal Issues: This is a United States website and is subject to United States law. Missouri Retired Teachers Association will disclose personal information without your permission when required by law, or in good faith belief that such action is necessary to investigate or protect against harmful activities to Missouri Retired Teachers Association residents, visitors, associates, or property (including this site), or to others.

Missouri Retired Teachers Association Privacy Statement Changes: In the future, we may need to change the privacy statement for Missouri Retired Teachers Association. All changes will be made here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.

How to Contact Us: If you have any questions about this privacy statement or privacy concerns please send an email to mrta@mrta.org

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