INFORMATION COLLECTION AND USE

HCD collects personal information when you register with HCD, when you use  HCD product or services, when you visit HCD pages or the pages of certain HCD partners. HCD may combine information about you that we have with information we obtain from business partners or other companies.

When you register we ask for information such as your name, email address, birth date, gender, ZIP code, occupation, industry, and personal interests. For some financial products and services we might also ask for your address, Social Security number, and information about your assets. When you register with HCD and sign in to our services, you are not anonymous to us.

HCD collects information about your transactions with us and with some of our business partners, including information about your use of products and services that we offer.

HCD automatically receives and records information from your computer and browser, including your IP address, software and hardware attributes, and the page you request.

HCD uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

INFORMATION SHARING AND DISCLOSURE

HCD does not rent, sell, or share personal information about you with other people or non-affiliated companies except to provide products or services you've requested.

HCD displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria—for example, women ages 18-24 from a particular geographic area.

CONFIDENTIALITY AND SECURITY

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.
We have physical, electronic, and procedural safeguards that comply with local regulations to protect personal information about you.