Respecting your privacy over the Internet is of utmost importance to us. This Privacy Policy describes the current policies and practices with regard to personal data collected by the Presbyterian Church (U.S.A.) Investment and Loan Program, Inc. ("Program" and sometimes "we", "us", or "our") through our Web site, www.pcusa.org/pilp.

The "personal data" means personally identifiable information such as your name, birth date, mailing address, email address, social security number, phone and the last four digits of a credit card.

In general, you can visit our Web site without telling us who you are or providing any information about yourself. In some areas of our Web site, programs have been designed to perform specific tasks for you. Within these programs, we may ask you to provide information that will enable us to provide a service for you. For instance, you might ask us to send you information about an event, place an order for videos, provide an offering circular or provide technical support. To serve you better, we may ask for "personal data."

This Privacy Policy applies to information submitted by you and/or collected online by us.

Your Consent:
By using the www.pcusa.org/pilp Web site, you consent to our use of your personal data that you provide as described in this Privacy Policy.

Notification of Changes to the Policy:
We are continually improving this Web site. New functions and features will be added, and existing programs will be enhanced. Because of these changes, changes in the law and the changing nature of technology, we may revise this Privacy Policy from time to time. If and when the policy changes, we will post a dated notice on our home page informing you that a change has been made.

Use of Personal Data Collected through this Web Site:
Information, including but not limited to personal data, that we collect will NOT be sold, rented, lent, exchanged or used by any individual or entity other than Presbyterian Church (U.S.A.) ("PCUSA") governing bodies and entities, unless otherwise indicated.

We use the information you provide to provide the service you request. For example, we may respond to your email request for loan information by sending a message back to your personal email address.

We may use the information you provide to improve the content and functionality of our Web site, to better understand the needs and interests of the people and organizations that use our Web site, and to improve the services and programs that we offer.

We may use the information you provide to contact you about other PC(USA) governing bodies and entities, and their programs and services.

Unless we have your permission or are otherwise required by law to release, the personal data provided by you online will be shared only with other PC(USA) governing bodies and entities to enable them to contact you regarding services, benefits or mission opportunities; with other third parties who act on behalf of the PC(USA) governing bodies and entities to further process or analyze the data or protect the security or integrity of our databases or this Web site; or with our successors in interest through corporate merger, reorganization, dissolution or similar event. In the event of a release to a PC(USA) governing body or entity, or third party described above, your personal data will not released until the PC(USA) governing body or entity, or third party has agreed in writing to be bound by the terms of this Privacy Policy.

We, and others with whom we share your personal data, may retain your personal data on file to better serve you. Any destruction of personal data will be done in a manner consistent with the intent of this policy.

Anonymous Data Collected through this Web Site:
In addition to the information you provide through this Web site, we use technology to collect anonymous information about the use of the Web site. For example, we use technology to track how many visitors access the Web site, the date and time of their visit, the length of their stay, and which pages they view. We also use technology to determine which Web browsers our visitors use and the address from which accessed the site.

This technology does not identify you personally. It simply enables us to compile statistics about our visitors and their use of the Web site. We use this anonymous data and may share it with third parties for various reasons. For example, we may use this data to improve the content and functionality of the Web site, to better understand the needs and interests of our visitors, and to improve our programs and services.

Cookies:
In order to collect the anonymous data described in the preceding paragraph, we may use temporary "cookies" that collect the first level domain name of the user. For example, if your email address is name@xyz.com, the cookie collects the "xyz.com" portion of your email address, and the date and time that you accessed the Web site. Cookies by themselves cannot be used to discover the identity of the user. A cookie is a small piece of information that is sent to your browser and stored on your computer's hard drive. A cookie does not damage your computer. You can set your browser to notify you when you receive a cookie. This enables you to decide if you want to accept it or not. The Web site only uses temporary or "session" cookies. These temporary or "session" cookies expire when your browser window is closed.

In order for certain applications on this Web site to function properly, it may be necessary for your computer to accept cookies.

Children:
We do not knowingly collect personal data from children under the age of thirteen. If you have reason to believe that a child under the age of thirteen has provided personal data on this Web site, please contact us by email and we will endeavor to delete such information. If you are a child under the age of thirteen and using this Web site, please do not give any information about yourself, such as your name, address, birth date, phone number, school or email address. As we develop online programs for children, if any, we will adopt appropriate policies and practices to protect the privacy of children.

Links to Other Sites:
This Privacy Policy applies only to the Web site owned and administered by the Presbyterian Church (U.S.A.) Investment and Loan Program, Inc. This site contains many hyperlinks to Web sites that are not operated by us. These hyperlinks are provided for your reference and convenience only, and do not imply any endorsement of the activities of these third-party sites or any association with their operators. We do not control these Web sites and are not responsible for their data practices. We urge you to review the Privacy Policy posted on any site you visit before using the site or before providing any personal data about yourself.

Governing Law:
This Privacy Policy forms part of our Web site Terms of Use Agreement, which shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky.

Questions about our Privacy Policy:
If you have any questions about this Privacy Policy or concerns about the way we use personal data, please contact the President and Chief Executive Officer of the Investment & Loan Program.