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We know that keeping your personal information private is important to you. That's why we want you to know how we protect the information you share with us. We have built our business on a foundation of integrity, honesty, and trust. These values are reflected in our longstanding commitment to protect your privacy.
On www.mainstayfunds.com, we strive to provide you with comprehensive and dependable information about our financial products and services. Whether researching our products and services or accessing our educational content, you need provide no personal information whatsoever. You will, however, need to provide personal information for access to certain features, such as secure, online access to your account, personalization features, including watchlists and e-mail alerts, and requests for more information. Whenever you do supply personal information, such as your name, address, telephone number, or e-mail address, it is kept secure and used solely to answer your inquiry, comply with your request, or supply you with information about new products and services to help you meet your needs.
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Our Online Privacy Pledge
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To meet our users' needs with financial products and services, we gather and maintain certain types of information. To preserve your privacy, we pledge to...
- Collect only the information we need to provide information about our products and services to you;
- Protect against unauthorized access to your information;
- Refuse to disclose personal information you provide to us online to third parties for marketing purposes;
- Require companies that help us service your account to protect your information in accordance with strict privacy standards;
- Refuse to sell your information to outside mailing list companies or telemarketers; and
- Maintain up-to-date privacy notices on our site.
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Our Information Practices
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Our policies and procedures protect the privacy of our online users.
Types of Information We May Collect
In the normal course of business we may collect:
- Data about your online transactions (such as the type of products you purchase and your account status).
- Information gathered from our site, such as through online forms, site visit data, and information collection devices ("cookies").
Safeguarding Your Online Information
We maintain physical, electronic, and procedural safeguards that meet state and federal regulations. Access to information gathered on our site is limited to personnel who need the information to perform their job responsibilities.
How We Use Your Online Information
We may share the information we collect about you as allowed by law, including for normal business administration and related business services. The information may be shared:
- With our affiliates.
- With non-affiliated companies, such as firms that perform services on our behalf including administering our products. We require these companies to meet strict privacy standards.
- With non-affiliated entities when required by law, such as to respond to a subpoena, to prevent fraud, to comply with legal requirements, and to respond to a government inquiry.
If you need more information about our privacy policy, you can call us toll free at 800-MAINSTAY (624-6782).
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Keeping Up-To-Date With Our Privacy Policy
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| This privacy policy is in effect as of October 15, 2004. You can always review the current privacy policy by clicking on Privacy Policy at the bottom of the site, www.mainstayfunds.com , or you can contact us for a copy by writing to: The MainStay Funds, P.O. Box 8401, Boston, MA 02266-8401.
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Questions and Answers About Privacy at www.mainstayfunds.com:
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What information is collected by mainstayfunds.com and how is it used?
You can use our site without submitting any personal information. When you do choose to provide us with information at the site, we will use it in the following restricted ways:
- When You Request to be Contacted
If you would like to receive any additional information, such as a brochure, you will need to provide us with your contact information. We will use this information only to fulfill your request.
- My Accounts (Account Access)
If you are an existing MainStay Funds shareholder, you can use My Accounts to view your account information. In addition, you may be able to perform several types of transactions, including purchasing additional shares and exchanging shares, ordering additional statements, and viewing transactions.
In order to access your Fund account, we require that you enter your Social Security Number (or Tax Identification Number) and your Personal Identification Number (PIN).
- Technical Information
Like many web sites, we collect limited anonymous information about our users and their systems. When users come to our site, we collect their Internet Protocol (IP) addresses, browser types, the domain they came from, and their likely country of origin. This anonymous information is aggregated and is not associated with individual users. It is collected to help us analyze usage patterns, improve the site's overall performance, and provide information useful to our users.
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How can I review my account information and initiate transactions online?
If you own a MainStay Fund, you can enter My Accounts to view your account information online. In addition, you may be able to perform several types of transactions, including purchasing additional shares and exchanging shares, ordering additional statements, and viewing transactions. In order to access your Fund account, we require that you enter your Social Security Number (or Tax Identification Number) and your Personal Identification Number (PIN).
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How long will mainstayfunds.com maintain information about me?
We will maintain the information regarding your account for as long as it is open and for any legally required time thereafter.
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How does mainstayfunds.com use cookies or other methods of collecting web data?
Like other web sites, mainstayfunds.com uses cookies. A cookie is a small text file containing a unique identifier that is placed on your computer when you visit our site. We use cookies to generate meaningful usage statistics by identifying how many unique visitors entered the site and the specific pages that they visited. Cookies do not damage your system or files in any way.
Most browsers recognize when a cookie is offered and allow users to opt-out of receiving them. If you are not sure whether your browser has this capability, you should check with the software manufacturer or your Internet Service Provider (ISP).
We collect additional web site data through the use of web beacons or tags embedded in opt-in subscription e-mails and/or certain web site content which returns completely anonymous data to MainStay Funds as site traffic reports.
Web beacons (sometimes called "single-pixel gifs" or "web bugs") allow us to count page views or to collect other anonymous data from our cookies. In general, any electronic image viewed as part of a web page, including an ad banner, can act as a web beacon. Web beacons are typically very small, usually one by one pixel in size, but their presence can be easily seen within Internet Explorer by clicking on "View" and then on "Source." Web beacons are small in order to minimize both their display and their loading time. Our Web beacons do not collect, gather, monitor, or share any personal information about our web site visitors; they are merely the technique we use to compile anonymous, aggregated statistics about a web site's usage.
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What privacy rules apply when I visit other web sites?
Our site provides links to other web sites—including our subsidiaries and affiliates—containing information that we believe you may find useful. When you visit those sites, you will be operating under their individual privacy policies. We encourage you to carefully review their respective privacy policies.
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What security measures does the site maintain to protect my personal information?
We have implemented generally accepted standards of technology and operational security to protect personally identifiable information collected online from loss, misuse, alteration, or destruction. All information you supply on the site is encrypted during transmission and then stored on a secure server. However, you should be aware that our return e-mail messages to you cannot be encrypted and thus cannot be considered fully secure. Non-encrypted e-mail can be intercepted and viewed by other Internet users without your knowledge or consent. MainStay Funds employees follow a company-wide security policy. Only authorized personnel are allowed access to personally identifiable information collected online and these employees have been trained to safeguard the confidentiality of this information.
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How will I know if the site changes its Privacy Policy?
The Fund reserves the right to change this privacy policy. If we do so, we will post notification on the site at least 30 days before the new policy goes into effect. To ensure you are aware of changes to our policy, we post the effective date of our policy. No data collected under this privacy policy will be used in a manner inconsistent with our stated policy, unless we provide you with the opportunity to tell us you would not like to participate in any programs we may establish.
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Our Commitment to You
We strive to provide you with the most comprehensive source of information about our financial products and services. When we ask for personal information of any kind, or give you the opportunity to supply such information, it is solely to improve our ability to meet your needs and respond to your requests. We will continue to do whatever we can to protect your privacy at our site.
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