Copyright 2020 by LTC Advisors

LTC Advisors is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the LTC Advisors site and governs data collection and usage. By using the LTC Advisors site, you consent to the data practices described in this statement.

Collection of your Personal Information

LTC Advisors collects personally identifiable information, such as your email address, name, home or work address or telephone number. LTC Advisors also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by LTC Advisors. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by LTC Advisors for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the LTC Advisors site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through LTC Advisors public message boards, this information may be collected and used by others. Note: LTC Advisors does not read any of your private online communications.

LTC Advisors encourages you to review the privacy statements of Web sites you choose to link to from LTC Advisors so that you can understand how those Web sites collect, use and share your information. LTC Advisors is not responsible for the privacy statements or other content on Web sites outside of the LTC Advisors and LTC Advisors family of Web sites.

Use of your Personal Information

LTC Advisors collects and uses your personal information to operate the LTC Advisors Web site and deliver the services you have requested. LTC Advisors also uses your personally identifiable information to inform you of other products or services available from LTC Advisors and its affiliates. LTC Advisors may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

LTC Advisors does not sell, rent or lease its customer lists to third parties. LTC Advisors may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, LTC Advisors may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to LTC Advisors, and they are required to maintain the confidentiality of your information.

LTC Advisors does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

LTC Advisors keeps track of the Web sites and pages our customers visit within LTC Advisors, in order to determine what LTC Advisors services are the most popular. This data is used to deliver customized content and advertising within LTC Advisors to customers whose behavior indicates that they are interested in a particular subject area.

LTC Advisors Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on LTC Advisors or the site; (b) protect and defend the rights or property of LTC Advisors; and, (c) act under exigent circumstances to protect the personal safety of users of LTC Advisors, or the public.

Use of Cookies

The LTC Advisors Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize LTC Advisors pages, or register with LTC Advisors site or services, a cookie helps LTC Advisors to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same LTC Advisors Web site, the information you previously provided can be retrieved, so you can easily use the LTC Advisors features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the LTC Advisors services or Web sites you visit.

Security of your Personal Information

LTC Advisors secures your personal information from unauthorized access, use or disclosure. LTC Advisors secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

LTC Advisors will occasionally update this Statement of Privacy to reflect company and customer feedback. LTC Advisors encourages you to periodically review this Statement to be informed of how LTC Advisors is protecting your information.

Contact Information

LTC Advisors welcomes your comments regarding this Statement of Privacy. If you believe that LTC Advisors has not adhered to this Statement, please contact LTC Advisors at We will use commercially reasonable efforts to promptly determine and remedy the problem.