NDI Privacy Policy - Effective September 1, 2005

Our Commitment to Privacy
Protecting your privacy is very important to us. Our Online Privacy Statement is designed to inform you about our online collection and use of personal information. From time to time, the National Development Institute, Inc. (referred to in this policy as "NDI") may modify this Online Privacy Statement. This online Privacy Statement reflects the NDI policies covering personal information collected by us, through this web site on or after the effective date shown above.


The Only Personal Information We Collect Online is that Information You Voluntarily Provide to Us.
The only information we collect about you online is information that you voluntarily provide to us either because you have requested us to process financial transactions for you or because you are seeking information or support from us. We primarily receive personal information as a result of consumers' financial transactions with NDI or with NDI business customers. However, when NDI collects information directly from consumers, we will obtain only the information that is needed to provide our goods or services, to provide customer service and to fulfill any legal or regulatory requirements. If you supply us with personal information on this web site, you will only be contacted so that we can provide you with the service or information you have requested or to occasionally send you other information about NDI and products or services that we believe you would find interesting.

When You Browse the NDI You Do So Without Revealing Your Identity.
NDI uses cookies - which are identification files that track your web browsing activity - only to track your user session so that you can leave the Web site and return without having to log in again. This information is erased at the end of your session. Personal information, such as your e-mail address, is not collected, unless you provide it to us. NDI does not disclose domain name or aggregate information to third parties other than vendors who assist us with our web site and who are under strict confidentiality requirements.

We Are Committed to Protecting the Confidentiality of Your Information.
NDI policies limit access to personal user information that is collected from this web site to only those employees of NDI and its affiliates or contractors who need the information to complete the transaction or otherwise provide the service to you or fulfill their business responsibilities, such as credit reporting, verification, and risk management.

We will disclose information in response to a lawful request issued by a court, government agency or regulatory authority with the jurisdiction to make that request. Otherwise, we will only disclose information to those who need to know, as described above, and all communications of your personal data will either be encrypted at the highest available levels of security or transmitted over a dedicated, secured lease line. Vendors and other outside contractors we engage are subject to our contractual requirements to ensure that sensitive personal information is safeguarded.

We Use Appropriate Security Safeguards.
At NDI, security is a priority. NDI employs appropriate measures, including advanced technology, to protect personal information collected online against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security, dedicated lines, computer firewalls and other appropriate technologies. NDI reviews and enhances its security systems as necessary.

If you have any questions or comments about the NDI Online Privacy Statement or for some reason believe we have not adhered to our statement, please contact us at privacyofficer@nationaldevelopmentinstitute.org.