Ryan Beck & Co. Privacy Policy Statement

If we materially change our privacy policy or practices, this online privacy statement will be updated to reflect such changes.

At Ryan Beck, we appreciate the importance of protecting your privacy and have instituted policies to maintain the security and confidentiality of your personal information. The following is designed to help you understand what information we collect from you and how we use that information to serve your account.

Guests
You can visit this site to read about our firm, its products and services, get delayed market quotes, or use our branch locator or other features, without giving us any personal information about yourself. If you anonymously visit or browse the site without registering or logging on with a username or password, we do not collect your personal information unless you disclose it to us (e.g., e-mail address).

However, we may collect aggregate, technical information that tracks site use including browser type, IP address, domain name, number or type of pages visited and time spent on the site. We may use such information in a variety of ways including analyzing trends and visitor interests or to improve the site.

Some of the features on the site require registration or log in before you can use them. To register to use this site, you must be a Ryan Beck client. Please click here to become a client.

Ryan Beck Clients and Registered Users
Ryan Beck clients must request a user ID and password to access their account data through this website. If you register to use the site, including account access and/or registration for an upcoming conference or event, you choose to provide us with certain personal information such as your name, address, e-mail address and telephone number and agree to the Terms and Conditions governing this site. When you use a password or a similar identifier to access your account information through the site, we will recognize your identifier and may collect various categories of information about you such as data related to your use of the site and its services (such as calculators and other features of the site), and information about interactions and communications with us.

In addition, we may collect aggregate, technical information that tracks site use including browser type, IP address, domain name, number or type of pages visited and time spent on the site. We may use such information in a variety of ways including analyzing trends and visitor interests or to improve the site.

Nonpublic client information about current and former clients is internally controlled and access to this information is restricted to those employees and agents, such as our clearing firm, who need to know that information to provide products or services to you. Additionally, we maintain physical, electronic and procedural safeguards to protect your nonpublic, personal information.

We do not sell or market your personal information or personalized data to unaffiliated organizations. We do not disclose any nonpublic, personal information about a customer(s) or former customer(s)to anyone, except (I) to provide certain information to sponsors of financial products and services that a customer has selected for investment purposes, (II) based on specific authorization from such customer(s); or (III) as permitted by law. We may share nonpublic personal information with affiliates of Stifel Financial Corporation, Incorporated, of which Ryan Beck is a subsidiary.

Federal law requires financial institutions such as Ryan Beck to obtain, verify, and record information that identifies each person who opens an account. We collect and verify nonpublic, personal information about our clients from the following sources:

• Information we receive from you on applications or other forms;
• Information about your transactions with us, our affiliates and subsidiaries; and
• Information we receive from a consumer reporting agency.
  

Should you wish to update your personal information, please contact your Financial Consultant.

Use of Cookies
In addition to the online information that you voluntarily provide to us, we may use cookies and retain cookie information separately or with the information you provide to us online. A cookie is a small piece of data assigned to the browser on your computer when you visit a website. We may use cookies for various purposes such as maintaining continuity during a session, gathering data about the use of our site, storing preferences or recognizing return users. Your web browser may alert you or permit you to refuse, disable or delete cookies. If you refuse cookies, you may not be able to use certain features or services on the site.

Third Party Sites
This site may contain links to other Internet sites not under our direction or control. This privacy statement does not apply to those sites. We are not responsible for such sites, cannot control how such sites use personal information, cookies or other data, and their representations do not apply to this site.

Questions
If you are a Ryan Beck account holder and have any questions regarding Ryan Beck's Privacy Policy, please contact your Financial Consultant. Otherwise, for inquiries concerning this privacy statement, please click here to send Ryan Beck an e-mail.

Last updated August 16, 2004