Privacy Policy

Last updated: 6/12/2018

Certain of your information is collected and stored automatically. If you do nothing during your visit but browse through the website, read pages, or download information, Vertical Management Systems, Inc. and it’s affiliated companies (collectively, “VMS”), will gather and store certain information about your visit automatically. VMS does recognize the expectations of today’s consumers and applicable federal and state privacy laws. We automatically collect and store the following information about your visit:

  1. FinancialTechnology_bullets The Internet domain (for example, "" if you use a private Internet access account, or "" if you connect from a university's domain) and IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access our website.
  2. FinancialTechnology_bullets The type of browser and operating system used to access our site.
  3. FinancialTechnology_bullets The date and time you access our site.
  4. FinancialTechnology_bullets The pages you visit.
  5. FinancialTechnology_bullets If you linked to this website from another website, the address of that website.

We use this information to help us make our site more useful to visitors, to learn about the number of visitors to our site and the types of technology our visitors use. We do not track or record information about individuals and their visits.

Personal Information Sharing

In the normal course of dealing with you, VMS may collect Personal Information about you from the following sources:

  1. FinancialTechnology_bullets From your transactions with, or from the services performed by us, our affiliates, or others;
  2. FinancialTechnology_bullets From forms we receive from you or your authorized representatives;
  3. FinancialTechnology_bullets From consumer or other reporting agencies; and
  4. FinancialTechnology_bullets From public records maintained by government entities.

We may share your Personal Information with our affiliates. We also may disclose your Personal Information:

  • FinancialTechnology_bullets to agents, brokers or representatives to provide you with services you have requested;
  • FinancialTechnology_bullets to third-party contractors or service providers who provide services or other functions on our behalf;
  • FinancialTechnology_bullets identifiable information, such as tax reporting or identification of money laundering; and
  • FinancialTechnology_bullets to law enforcement in connection with investigations, or civil or criminal subpoenas or court orders.

VMS maintains physical, electronic and procedural safeguards to protect your Personal Information from unauthorized access or intrusion. We limit access to the Personal Information only to those employees, contractors and agents who need such access in connection with providing products or services to you or for other legitimate business purposes. We will at all times comply with all laws and regulations to which we are subject regarding the collection, use and disclosure of individually identifiable information.

Changes to This Policy

We reserve the right to change this Policy, and any of our policies or procedures concerning the treatment of information collected through the Site, without prior notice. You can determine when this Policy was last revised by referring to the "Last Updated" legend at the top of this page. Any changes to our Policy will become effective upon posting of the revised Policy on the Internet, accessible through the Site. Use of the Site following such changes constitutes your acceptance of the revised Policy then in effect.

Contact information

Certain states afford you the right, under certain circumstances, to find to whom your Personal Information has been disclosed. Additional questions or concerns about this Privacy Notice should be directed to: VMS reserves the right to charge, where permitted, for requests associated with the foregoing.