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R$D )2 !PTCQ" EE0!œHъ?y(u䤙"*S=cevfeh^uMy-nC:cZRBzñәƓNoV"CCCܣ+l K(u_Щ]UEga &aƄN%nKA茱Ts92)&j 9W -Qx8ձa(*B"ϗƎCr5U3K~Jb'Zc#@Eębv :4eKd)!Pq <ٕ '*!d%GN?Td ӕ]3,ʉaZV+}SDwo>t{)Hs&T >!@Q" EE0!PTCQ" EE0!PTCQ" EE0!PTCQ" EE0!ʟ“azpg L9 `h/fDl,$312 fDT,Eh`Qk̮4ɆNyssh0!S)cj́^ eSQn l|?!'$@*>3mNIN'9a&@ %rpD!PTCQ" EE0պ` Dge{X+)x D)Y3qS `҇ܒ~{CSL%)rD9T/SDrxosf#ӧ?%2KVjΐႇ\ŏ :bտ(\e\, *̃x@K}f5q07?sZ.oMMcBӇ+)J n `x)XI>kq ):cyjl@93 )wUPST숬ȝ[[&*DJ}Jwj c Ӭ7*4(J6"k( ˄CKH'"덧7$tiو,1VOUnɸPRoxDVI-qH/:j)~Th>=xS0N9+JT>s3murqq#C["ß)f%I'R'SŜg2dz*Cs;I-IڦڟJ2>-fh Χh'!sJiM4 S9 NIT!PTCQ" EE~(7N-bǂאyR׸ӡjIˍ4A/dl$*ʰd ldȖ"kÎ؎lG,0(3+ؙ׀F'cȏ86U5 RM;4*~/d ErctGeƠ|SƦd[Ot]`QgboDSA$0eTRw6JH0l0*\:*\JDS贝M;v)[BoXޭyPox*] DO%ܦ:-[0t_ !Ioa<!ߧ"d(*B"Da(*B"Da(*B"Da(*B"Da(*B"Da(*B"Da(*B"Da?FZۡ$h6ATJ2L&HSME&իWgLk~Isyy6:☯$"ڦPTdZΠ'ph@QiT5u+JOQi妅fFz*.G0x&ȴzx#j:]Su!эr \'rjɴ:40L GT"2R'ԗEQlSH;3(*2 g TCOE9Ic"Da(*B"D,m!&KBIENDB`L(F "  P P0.7Document Word.Document.80.Microsoft Word Document 2 3 4 5 6 8 9 :|>hhttp://www.the-dma.org/cgi/dispnewsstand?article=5482Bhttp://www.the-2Dhttp://www.the-/ 0DTimes New Roman-|d 0 & 0DImpactew Roman-|d 0 & 0" DArialew Roman-|d 0 & 0"0DWingdingsRoman-|d 0 & 0@DSymbolgsRoman-|d 0 & 0PDGaramondRoman-|d 0 & 0 b( .  @n?" dd@  @@`` 8f         _2$ڱF"6Ub$2g#1ET=d/2$ы@"HP2 Bu6b$]F!f&UJb$4(Q*Í\`D;q 0e0e     A@ A5% 8c8c     ?1 d0u0@Ty2 NP'p<'pA)BCD|E|| f@g4LdLdd 0ppp@  <4BdBd@ 0D<4!d!d@ 0Duʚ;2Nʚ;<4dddd= 0___PPT9tl,? %O =>TMaking Your GLB Privacy Notice  Readable +)2IPatricia Faley VP, Ethics & Consumer Affairs Direct Marketing Association4J$:(DMA Ethics & Consumer Affairs DepartmentHelps companies  Do The Right Thing Helps direct marketers comply with DMA guidelines and laws: Plain language guidelines, Hands-on assistance, Online videostream briefing sessions, and Privacy Policy Generators.&avav 3#What is a Privacy Policy Generator? DMA online generators or  wizards walk companies through the process of creating a privacy policy notice step-by-step. (zz#How Does the Policy Generator Work?Company answers a series of questions online about its information collection and sharing practices. A customized policy is automatically generated to be posted on the company s Web site and/or mailed to its customers. Goal is to provide suggested language and standardized layout and format. Can be modified to meet company s needs. Should be reviewed by company s legal counsel.h~%@.S=,-,What Kinds of Generators Has DMA Developed?:Privacy Policy Generator to develop online privacy policy notice Children s Privacy Policy Generator to meet the notice requirements of the Children s Online Privacy Protection Act GLB Privacy Policy Generator to meet the notice and opt-out requirements of the Gramm-Leach-Bliley Actt($RJ($RJ GLB Privacy Policy GeneratorPWhy? No secret that developing a  readable policy is a difficult process. DMA generator helps simplify the process. Helps build and strengthen business-customer trust.*#!What Should a GLB Policy Include? Company Pledge Information Collected* Information Shared* Information Protections Former Customer Information Practices Customer  Opt-Out Preferences* *Following three slides contain excerpts from DMA generator nZZZ=ZZ>' Excerpt #1 We collect information: (Please check all that apply.) you give to us on applications, surveys, registration forms, etc.; you give to us when you make a purchase, or other account information such as balance, payment history or credit card usage; you or others give to us about your credit history; others give to us to make sure that the data you provide is accurate and up-to-date. This may include information about you from employers, banks, or insurers. other (please specify) _______________________________&(  Excerpt #2How We Share Information (Please check all that apply.) We do not share information that we have about you with anyone except in response to subpoenas or for other legal reasons. We share information with our affiliates (members of our corporate family) or companies outside our corporate family that perform services on our behalf. We share information to process transactions, respond to your inquiries, or provide information about the products or services that we offer. We share (Please check all that apply.) data provided by customers credit history data purchase/account data verifying data other (please specify) __VZ$)! Excerpt #3ZCustomer Preferences We honor your choices for sharing data as checked below. Please fill out this form and return it to us at: (Company Name)______________________________________________ (Address)____________________________________________________ (City)__________________________ (State) _________ (Zip) __________ (Company must provide customers with the appropriate options as listed below:) Please do not share information about me with companies outside your organization. By law, this doesn t include companies that are performing services on our behalf or our financial marketing partners. Please do not share my credit history with members of your corporate family.AZZlZl 17 OVwP .How Did Our GLB Generator Achieve Readability?First, drafted by non-lawyers. Then, scored for  readability through Flesch-Kincaid grade-readability software. Reworked text to make more  readable. Finally, reviewed for compliance by legal counsel. 0What s Flesch-Kincaid? &Microsoft s best kept secret! Can be accessed in Microsoft Word through the spell check feature. Checks your document and gives it several  readability scores. Scores are based on the average number of syllables per word, words per sentence and passive sentence structure.   +How Do You Access Flesch in Microsoft Word?,+  What Do the Scores Mean?`Flesch Reading Ease score Rates text on a 100-point scale; the higher the score, the easier it is to understand. 0-30 (college graduate level) *50-60 (high school level or target level) 90-100 (4th grade level) Flesch-Kincaid Grade Level Score Rates text by grade-school level. A score of 8.0 means that an eighth grader can understand the document. Xb!lX+!  l`"Overall Readability Typical v. DMADMA Policy Example OUR PLEDGE TO YOU You have a right to know how information about you is used and protected. Most data remains within the corporate family, and is used to do business with you. Some is shared with others to process your account or for marketing. We explain how we use information in this privacy policy statement. We invite you to state your choices in the Customer Preferences section. We will honor your selection. INFORMATION WE COLLECT We collect information: you give to us on applications, surveys, registration forms, etc.; you give to us when you make a purchase, or other account information such as balance, payment history or credit card usage; and others give to us to make sure that the data you provide is accurate and up-to-date. This may include information about you from employers, banks, or insurers. HOW WE SHARE INFORMATION We share information with our affiliates (members of our corporate family) or companies outside our corporate family that perform services on our behalf. We share information to process transactions, respond to your inquiries, or provide information about the products or services that we offer. We share data provided by customers and purchase/account data. We share information with companies that we have a special relationship with such as joint marketers. We share data provided by customers. We share information with non-affiliates (companies outside our organization) that would like to offer you their products or services that might be of interest to you. We share data provided by customers and purchase/account data. The types of companies that we share information include financial service providers such as insurance agents. In addition, we share information with non-financial companies such as retailers, magazine publishers and non-profit organizations. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws. HOW WE PROTECT INFORMATION We strive to protect your data and safeguard it from those not authorized to see it. ZZ/ZeZZZW  (   gl  f    T ~DnHow Do We Rate?Typical Policy (35 reading ease, 11.4 grade level) We collect, retain, and use nonpublic personal information about you, as allowed by law, to provide you with various products and services. We may collect nonpublic personal information from sources such as: Information submitted by you to us on applications, signature cards, and other forms; Transactions you conduct with us, our affiliates, or others; and Consumer reporting agencies.jZ&0ZZZ& @DMA Policy (69.7 reading ease, 6 grade level) We collect information: you give to us on applications, surveys, registration forms, etc.; you give to us when you make a purchase, or other account information such as balance, payment history or credit card usage; and you or others give to us about your credit history. ` %  %How Do We Rate?Typical Policy (.5 reading ease, 12th grade level) We maintain physical, electronic and procedural safeguards that comply with federal standards to guard nonpublic personal information about you.T& % DMA Policy (74.2 reading ease, 6.8 grade level) We strive to protect your data and safeguard it from those not authorized to see it. H ' V 'V ^What s the Status of the GLB Policy Generator?Reviewed by: Legal Counsel Selected DMA members Will be available soon for DMA members and others for next round of privacy notices. L #U #U-" DMA OnlineGLB Generator (text version) http://www.the-dma.org/cgi/dispnewsstand?article=548 Business Assistance Page http://www.the-dma.org/channels/businessethics.shtml Consumer Assistance Page http://www.the-dma.org/consumers/ 65%65&4>m 0QBm 0l{2m 0{~3m 0~4m 05m 06m 0Dm 08m 09m 0:m 00#TMaking Your GLB Privacy Notice  Readable +)2IPatricia Faley VP, Ethics & Consumer Affairs Direct Marketing Association4J$:  ` ` ̙33` 333MMM` ff3333f` f` f` 3>?" dd@,?dd@   " @ ` n?" dd@   @@``PR    @ ` ` p>> TL (  l  6"r   <" r   <d"  6tEG PP G T Click to edit Master title style! !  0XG P G RClick to edit Master text styles Second level Third level Fourth level Fifth level!     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