NAOI Privacy Policy  

General Information Collection and Use

Anyone can visit the NAOI public Web site without disclosing who they are or revealing any personal information about themselves. We track the Internet addresses of the individuals who visit our site in order to analyze trends, administer the site, track user's movement and gather broad demographic information, but this data is not linked in any way to individual personally identifiable information. The information we collect creates a broad picture of our population and is used to continually refine our content, identify the most popular areas of our site and improve our services.

Member Sign Up and information Use

The NAOI collects basic contact information (such as name, address, phone number and email address) when you sign up to become a Member of the NAOI. During the sign up procedure you must specify a User ID and a Password that enable you to access the Members Only portion of the NAOI site. You may begin accessing the Members Only portion of the site immediately upon completion of the enrollment process. Your personal information is only used for the NAOI's internal administrative and identification purposes. We do not share the information of our members with any third party with the exceptions explained immediately below.

Third Party Sponsored Memberships

NAOI Memberships may be offered to individuals by a third party organization through an NAOI Group Membership or a Partnership Agreement. Under such agreements the third party organization may provide NAOI Membership to you at no, or reduced, cost. Under such agreements the NAOI might not collect billing information from you but must still collect basic contact information and ask you to specify a User ID and Password when you sign up in order to create a unique membership data record for you. If you sign up as an NAOI Member under the sponsorship of a third party organization then you should know that all information gathered by the NAOI may be revealed to this sponsoring organization. An example would be if your employer enters into a Group Membership Agreement with the NAOI to enable employees to sign up as members at no charge to the individual. Another example would be if a discount broker entered a Partnership Agreement to enable clients to become NAOI members at no, or reduced, charge to the individual. In either case the NAOI may inform the sponsoring party that you have taken advantage of their offer.

Changing Your Personal Information

The NAOI Web site provides you with the means to update or change your personal information should you become a member. You may review and update your personal data at any time by entering the area on the NAOI Members Only site entitled “Review / Change Your Personal Data”.

User ID and Password

You must enter your User ID and Password every time you sign in to the Members Only section of the NAOI Web site. Your User ID and Password serve as your personal key to the NAOI Investing Study Course you have chosen. Without this information, no other individual can access data related to your progress through the Study Course. If you lose your password the system will give you the option of having it emailed to you at the email address stored in your member record. If you lose your User ID then you will need to contact the NAOI for help.

Encrypted Credit Card Purchases

When you use a credit card to join the NAOI, the credit card number and related information is encrypted as it passes over the Internet. The latest software from VeriSignâ and CyberCashâ is utilized to ensure the complete security of the transaction. Your credit card number is simply passed through to the credit card company to purchase membership. In this respect, buying an NAOI Membership using the online purchase method is similar to a credit card purchase at any store. It is fast, easy and secure.

In addition, we are sensitive to the fact that some users are uncomfortable submitting their credit card number over the Internet, no matter how secure the environment. For this reason, it is also possible to join the NAOI via a phone call using a credit card or by sending a check in the mail along with the required data. Individuals utilizing the mail will experience a delay in accessing the NAOI content while the mail is delivered and the check is cleared. With credit card transactions, either online or via the phone, you will be able to access the NAOI content immediately after your credit card is approved.

Constant Network Vigilance

The NAOI's network administration team constantly monitors the data security systems to make sure that your personal information is safe and secure. All of your information exists within a secure corporate environment. Only authorized individuals such as database administrators have access to membership data files.

Notification of Changes

If we make any changes to our privacy policy, we will post the changes on our site so you are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. In the event NAOI enters into a business combination or changes its form of business entity, information collected via our Web site may be transferred to the surviving or new entity.

Legal Disclaimer

Although the NAOI makes every effort to preserve user privacy, the company may need to disclose personal information when required by law wherein the NAOI has a good-faith belief that such action is necessary to comply with a current administrative or judicial proceeding, a civil or criminal subpoena or court order or legal process served on our Web site.  When commercially feasible, NAOI will provide you with notice of such request for information collected from our Web site.

 Copyright © 2006 NAOI