Hand Benefits & Trust, Inc., understands and appreciates that our Web site customers are concerned about their privacy and about the confidentiality and security of information we may obtain about them online.  We want you to understand the steps we have taken to safeguard the information we receive online about customers who access or interact with our Web site.  Hand Benefits & Trust, Inc. is committed to upholding the highest level of confidentiality of customer information and has drafted this Online Policy to explain the type of information collected, how it is used, and under what circumstances it may be shared.

Collection of Information/Data:  Hand Benefits & Trust, Inc. only collects customer information for lawful business purposes to provide superior service and to offer opportunities we feel will be of interest to our customers.  When you visit our Web site at www.handbenefitsandtrust.com our server does not collect any aggregate information, including web browser used; city, state and country, or Domain name/IP addresses.  When you send us an e-mail, we maintain your e-mail address solely for purposes of responding to your questions or comments.

"Cookies":  As we continue to improve our Web site to better serve our customers, Hand Benefits & Trust, Inc. may use software tools or "cookies" to gather information about your activities.  A "cookie" is a small file stored on your computer containing certain pieces of information about your visit to our Web site. "Cookies" can track user traffic patterns and can store that information about customers.  At the current time, Hand Benefits & Trust, Inc. uses "cookies" only to facilitate navigation through our Web site.

Hand Benefits & Trust, Inc. Use of Personal Information/Data:  We do not share information you provide to us with any third party unless it is in the context of performing the services for which we are engaged (e.g. trade execution or account transfer).  Your information will not be sold or otherwise made available for any other reason.

Your Security Is Important To Us

Hand Benefits & Trust, Inc. has taken every precaution to protect individual identifying information that you provide to us. Hand Benefits & Trust, Inc. has security measures in place to protect against the loss, misuse and alterations of information that is under our control.  These measures include proprietary programming and Internet Site Security.

Unauthorized attempts to upload information or change information on our Web site are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986, as hereafter amended from time to time (18 USC 1030), and as specifically amended by the National Information Infrastructure Protection Act of 1996, as hereafter amended from time to time (18 USC 201).

How can you protect your financial information?  Safeguard and protect your account records, passwords, personal identification number (PIN) and other information pertaining to your relationship with Hand Benefits & Trust, Inc.

Third-Party Web sites: Our Web site may contain links to third-party Web sites.  We provide these links as a service to our customers.  When you link to a third-party Web site, you leave the Hand Benefits & Trust, Inc. Web site.  We want you to be aware that Hand Benefits & Trust, Inc. is not responsible for the privacy practices of any other Web site.  We encourage you to read the online policies of any Web site you access, especially if individual identifying information is being collected.  Hand Benefits & Trust, Inc. is not an agent nor affiliated with any third-party Web site that you link to via our Web site.