Privacy Policy, a program of the Charles and Helen Schwab Foundation, is committed to respecting and protecting your privacy. We are sensitive to concerns that you maintain control of your personal information. We want you to know about and understand the measures we take to keep the Site a safe and secure environment for everyone. Please read this policy carefully. This Privacy Policy tells you what information we collect, and how and why we use your information.

What Information Does CHSF Collect?

CHSF collects a limited amount of information about our visitors, so that we can provide a site that is more interesting and useful to you. We may ask you to register or provide personal information when you visit certain areas of CHSF, complete surveys, subscribe to a service, e-mail update or newsletter.

You are of course free to search, browse, read and use certain features on our Web site without providing any personal information.

To register for the's program area e-mail updates, we require you to create a user name of your choice (that is unique from the user name of our other users) and a password to maintain a consistent identity on our system. We also require a valid e-mail address so we may enforce our policies and inform you of any policy changes. Although we require personal information in order to send you information by mail, providing your personal information to CHSF is otherwise completely optional.

If you decide to register with's e-mail updates, you will have access to that service. If you choose to not register for's e-mail updates, you can still use our site, but you will not have access to this service or other services or parts of the site that may require registration in the future.

We also collect non-personal information such as IP addresses and login information to help us understand how our audience uses our site, so that we can make our site better and improve our users' overall experience when they visit For more information about what non-personal information we collect and how we gather it, see the section titled, "How Do We Use Access Logs, Cookies, And Clear GIFs."

How And Why Does CHSF Use Your Information?

CHSF uses the information we collect to better understand our users and improve your overall experience when using our service.

CHSF delivers Web site updates, newsletters, and other information by e-mail to registered users and program area e-mail update subscribers on our subscription list. If you are a registered user and/or newsletter subscriber and you click on items mentioned in these mails, our e-mail tracking system recognizes the URL that was clicked and records some information about your computer: which Web browser you use, your operating system, and your IP address. As a matter of general practice, we do not link your personal information to information about your newsletter usage except as described in "Will CHSF Disclose Any of the Information You Have Provided?"

How Do We Use Access Logs, Cookies, And Clear GIFs?

We may collect non-personal information through the use of access logs, "cookie" technology, and "clear GIFs." Non-personal information might include the Web browser you use, the type of computer you use, your operating systems, which Internet service providers you've selected, and other similar information.

CHSF's Web server may also collect and log limited information about your computer's connection to the Internet when you visit our site. The access logs do NOT record your name, address, phone number, e-mail address, or any other personally identifying information. Rather, they may contain some or all of the following information:

  • The Internet Protocol Address (IP Address) of the machine you used to access our Web site.*
  • The date and time of the visit and, if registered, the date and time of your last login and the total number of times you have logged onto our site.
  • The pages visited on our site.
  • The brand and version of Web browser you used, and the type of computer you used.
  • A list of files downloaded or viewed.
  • The amount of time spent accessing pages and resources.
  • Any errors encountered.

*Every machine on the Internet has a unique IP Address, a numeric address given to servers and users connected to the Internet. When you get "online" you are assigned an IP address by your Internet Service Provider (ISP). This IP address may be the same every time you log on (this is called a static IP) or it can change and be assigned each time you connect based on what's available.

As a matter of general practice, we do not link IP addresses to a visitor's personal information; meaning that a visitor's session will be logged, but the visitor remains anonymous to us. However, we will use IP addresses to identify a visitor if we feel it is necessary to enforce compliance with our rules or Terms of Service, or to protect our service, site, customers, or other individuals.

We may use aggregate statistical information based on access logs for system administration and to understand how our users as a group use the services and resources provided on our site. This way we know which areas of our site are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our site.

We may share this aggregate statistical information with other organizations we work with in the ordinary course of our business and this aggregate statistical information will not include any individual names, personal navigation, e-mail addresses, usernames or other personal information that could be linked to an individual visitor.

Cookies contain bits of information that we transfer to your computer's hard drive for record-keeping purposes. We use cookies in two ways:

  • A cookie stores a unique identifier that allows you to automatically access your account information when you log in to our site.
  • A cookie stores a unique number that is used to determine usage patterns in aggregate.

Cookies that CHSF puts onto your computer are there to help you log in quickly, save your audio preferences, or allow us to estimate our audience size and usage patterns. These cookies contain a sequentially assigned number unique to you, but do not contain your username, password, or other personal information.

This unique identifier is linked to your personalization settings, your subscriptions and registration, your public profile, and your message board posts. CHSF does not disclose this unique identifier to third parties except as described in "Will CHSF Disclose Any of the Information You Have Provided?"

You can refuse cookies by turning them off in your Web browser. Please check your Web browser's help file for information on refusing cookies. If you set your Web browser to reject cookies, you may not be able to use some features of our site including customized information, or saving your favorite links within CHSF. With cookies disabled, you are still free to search, browse, read and use selected features on our Web site.

CHSF may use a clear GIF to analyze usage patterns of visitors to CHSF and improve our ability to reach people searching for foundation information. A clear GIF (Graphics Interchange Format) file or pixel tag (also known as a "Web beacon''") is a line of code in the HTML version of our program area e-mail updates. A clear GIF is a type of Web page graphic that often appears invisible because it is only 1 by 1 pixel in size. HTML, or Hypertext Markup Language, is the language used to create documents on the World Wide Web. Here's how they work: when you open the e-mail update it contains a line of code that requests a clear GIF from our server. That lets us know someone opened the e-mail, but not who. This information allows us to measure our effectiveness in reaching people with our e-mail updates.

Will CHSF Disclose Any of the Information You Have Provided?

CHSF does not sell your personal information.

CHSF does not otherwise disclose personal information to third parties, except as described in this section of our Privacy Policy.

CHSF may disclose personal information to third parties that we have engaged to work on our Web site and/or to provide support services such as credit card verification and online real-time event hosting. These organizations are not allowed to use your personal information for their own purposes and are contractually obligated to maintain confidentiality. The use of your personal information by these third parties is limited to the performance of the specified service we have requested.

CHSF may disclose or report personal information in limited circumstances to resolve customer disputes, to perform authentication checks or in special cases, such as to investigate an attempted breach of the security of CHSF, to investigate a threat to you, us or others, or to prevent harm to you, us or others.

Notwithstanding any statements to the contrary elsewhere in this Privacy Policy, CHSF may disclose or report personal information in limited circumstances where we believe in good faith that disclosure is required under law, for example, to cooperate with law enforcement authorities.

CHSF may disclose personal information to other programs within the Charles and Helen Schwab Foundation.

Occasionally, CHSF conducts user surveys to find out whether our content is meeting the needs of our audience. Accordingly, sometimes aggregate survey results are shared with third parties but the aggregate survey results will not include information that personally identifies a visitor responding to the survey.

CHSF may share non-personal information with third parties.

Should the Charles and Helen Schwab Foundation merge or become part of another entity, your information may be transferred as part of that transaction and may be subject to a privacy policy of the new entity that may differ from this Privacy Policy.

Outside of the exceptions listed above, we will not share your personal information with third parties unless you have specifically given us permission to do so, for example, through an opt-in procedure.

What Kinds Of Security Measures Do We Take To Protect Your Information From Accidental Loss Or Disclosure?

We restrict access to personal information to our employees and to select third parties as described in "Will CHSF Disclose Any of the Information You Have Provided?" All employees and third parties described in "Will CHSF Disclose Any of the Information You Have Provided?" are obligated to keep this information confidential.

The database which stores personal information is on a private network, and is not directly accessible via the Internet. We use passwords, firewalls, and proxy servers to prevent unauthorized access to such information.

How Can You Deactivate Your Registration Or Correct Or Revise Information We Have About You?

To deactivate your registration or modify your subscription information, log in to your account and set your preferences according to instructions on the subscription page.

How Will You Know CHSF's Privacy Policy Has Changed?

CHSF may make changes to this Privacy Policy but we will notify you by posting such changes on this Site. We encourage you to periodically review the Terms of Service and Privacy Policy for any changes.
What Else Should You Know About Your Privacy?
Users will find content on CHSF that links to the sites and services of other third parties whose content we believe may be of possible interest and value to our users as a group. Although we initially visit the sites or services that are so linked, we do not control the content or links that appear on these sites, nor do we endorse the companies, organizations or groups operating these sites. In addition, these sites or services, including their contents and links, may change. These sites and services may have their own privacy policies and customer service policies, or no policy at all. We encourage you to review the privacy policies of any third-party sites or services before providing any of them with your personal information.

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