Privacy Policy

Personal Asset Management, LLC (aka and/or PAM) cares about your privacy. This Privacy Policy outlines the type of Personal Information that is collected by PAM from consumers and how we use and protect it. This Policy also tells you what to do if you do not want your Personal Information used for marketing purposes, and how you can change information you have already provided to us. This Policy applies to PAM’s website and to PAM’s collection of data through printed promotional materials and telephone calls to our client service department.

  • Your Consent to This Privacy Policy
  • Collection of Personal Information
  • How We Use Your Information
  • Other Information We May Collect Online
  • How we use email
  • Privacy of Children Online
  • Security of Information
  • Changes in Our Policy
  • Links to Other Sites
  • Who to Contact

Your Consent to This Privacy Policy

By providing PAM with Personal Information, you signify that you agree with the terms of our current Privacy Policy as posted here. If you do not agree with any term in this Policy, please do not provide any Personal Information.

If you choose not to provide Personal Information, you may not be able to do certain things, like access particular areas of our website, request reports or send us e-mail.

Collection of Personal Information

As used in this Privacy Policy, “Personal Information” means personally identifiable information such as your name, street address, telephone number, credit card information, screen name, questionnaire responses and email address.

When you provide us with Personal Information, you are authorizing us to use that information in accordance with the terms of this Privacy Policy, which includes your right to limit our use of your Personal Information. We may also collect Personal Information from you about a third party (e.g., our website might allow you to send an electronic “post card” to a friend, in which case we will need that person’s name and e-mail address). Please note that we use such information only for the specified purpose (e.g., to mail the post card) and we will not contact the third party again unless and until the third party contacts us.

How We Use Your Information

When you supply us with your Personal Information we will use it for the express purpose for which it was collected (e.g., to send you a report). It may also be used to contact you regarding other products and services that may be of interest to you (including those we may offer jointly with other companies). At any time, however, you may opt out of such contact. (See Who To Contact)

At times we may retain third parties to analyze data we collect, including Personal Information, solely to help us improve our products and our web site. In addition, if you order a product or service from us, we may provide Personal Information to suppliers and other third parties to enable delivery of such product or service. These third parties, including suppliers, are not authorized by us to use your Personal Information in any other way. PAM does not sell Personal Information.

We may supplement the information that you provide to us with other information that we receive from third parties. We do this for marketing purposes in order to provide the most appropriate products and services to meet your needs.

Finally, please note that we will release your Personal Information if required to do so by law, or by search warrant, subpoena or court order.

Other Information We May Collect Online

Other information that we may collect online, via the PAM website, e-mail promotions and banners, for example, is described in this section. You may have heard of “cookies,” which are files or pieces of information that are stored by your browser on your computer’s hard drive. PAM may use cookies to collect other information during your visit to our web site, such as the particular site areas you visit and the products or services you buy through our web site. We collect this information to better tailor our site and our products to your interests and needs.

Cookies may also be used to help speed up your future activities at our site. For example, our site can recognize that you have provided Personal Information to us and refrain from requesting the same information a second time. Set your web browser to refuse cookies or to alert you when cookies are being sent. Refusal of cookies may result in an inability to visit certain areas of the site or to receive personalized information when you visit the site.

In addition, we are constantly trying to improve how we promote our web site. To help us do this, we may measure the effectiveness of our web presence by determining what you clicked on to get to our site. Site measurement statistics may be used to personalize your web site experience, as well as to evaluate – anonymously and in the aggregate – statistics about usage of the web site. Information about your computer, such as your IP address (a number assigned to your computer whenever you surf the Internet), the type of Internet browser you are using and the type of computer operating system you are using may also be collected and linked to your Personal Information. This is to ensure that our web site presents the best web experience for visitors, and that they are an effective information resource.

Finally, some of the pages you visit may use pixel tags (also called clear gifs) to collect information about your navigation on our website. This information is used to evaluate and enhance how the website functions. We will use your information internally to provide you with additional services that may meet your needs or in which you might have an interest. Our site automatically collects “log files,” or data files based on information available to us when you use our site. For example, as a security precaution we collect IP addresses, which identify accounts at specific internet service providers. We collect browser type to ensure that our site performs optimally for different browsers. We collect access times for regulatory reasons and to continually improve the design and operation of our site. In addition, we use your IP address to help diagnose problems with our server, administer our Site and to gather broad demographic information.

Our Site’s registration form, on-line surveys, order forms, and contests may request users to give us contact information (which, among other things, may include name, physical address, telephone number and e-mail address); demographic information (which, among other things, may include education level, personal interests, age, investments and investment strategies, and income level); financial information (like account or credit card numbers); and unique identifiers (like social security numbers). Contact information is used to send orders and information about our company to our customers or advertisers. The customer’s contact information is also used to get in touch with the visitor when necessary. Demographic and profile data is also collected at our Site. This information is shared with advertisers on an aggregate basis. Users may opt-out of receiving future mailings at any time. Financial information that is collected is used to bill the user for products and services. Unique identifiers (such as social security numbers) are collected from Web site visitors to verify the user’s identity. Demographic and profile data is also collected at our site. This information is shared with advertisers on an aggregate basis.

As required by law, we will also provide your information to the Internal Revenue Service, the Securities and Exchange Commission, and other regulatory and government entities.

How We Use email

We keep our costs—and your costs—down by using email to communicate with you. For example, we will email you to tell you that your monthly newsletter is available and to send you other legally required notices. We will also use email to notify you of information regarding your membership or of new products and services that may affect the way you use the site.

Privacy of Children Online

We endeavor to be in compliance with the policies of CARU, the Children’s Advertising Review Unit of the Council of Better Business Bureaus, Inc. PAM is committed to protecting the online privacy of children and making the Internet safe for our users. For this reason, PAM does not collect personal information from children under 13. We encourage parents of children under 13 to regularly check and monitor their children’s use of e-mail and other activities on line.

Security of Information

We take reasonable precautions to keep your Personal Information secure. All personally identifiable information is subject to restricted access to prevent unauthorized access, modification or misuse.

Changes in Our Policy

PAM reserves the right to change or remove this Privacy Policy at our discretion. We will post any new policy here and we encourage you to visit this area frequently to stay informed.

Links to Other Sites

This site contains links to other sites and banner advertisements. We are not responsible for the privacy practices or the content of such Web sites or banner advertisements. Some services appearing on the Site may be provided by third parties. We are not responsible for the privacy practices or the content of such third parties, even if visitors are not aware of the fact that they have left our Site and entered a third party’s site. You should read the privacy statement of any site that you link to, since it may differ from ours.

Who to Contact

Personal Asset Management
P.O. Box 48221
St. Petersburg, FL 33743
Phone: 727-360-4499

Please contact us if you have any comments or questions about this Privacy Policy or to report any violations of it. Additionally, should you wish to change your Personal Information or desire not to be contacted by us at all, please send an email to the above address with the subject line stating “opt out”. In most cases, we will update your information within 48 hours.