SecurityRecommendations

Your login credentials are the virtual keys you use to access your account information on our system. Do not write down or share your login credentials with anyone. IMPORTANT NOTE: We recommend that you create distinct login credentials for financial accounts that are different from those used for other purposes such as social websites, email accounts, online shopping, etc.

Never share your user name, password, or security questions with anyone; beware of suspicious e-mails or any unsolicited phone calls asking for this information.

Follow the password instructions that are presented when you create a new password. That way no one else will be able to guess your password.

When you have been performing any transaction online, make sure that you use the Log Out button when you are finished. Then close your browser completely to ensure that no one who uses the computer after you can see your information.

Install and regularly update anti-virus and anti-spyware software. Perform frequent scans of your computer. Protect your computer with a firewall.



Terms and Conditions

Leaders Financial Company ("Leaders") provides the information and materials contained at our site(s) on the World Wide Web (the "Site") as a service to our customers and visitors. Leaders requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. Leaders may revise these Terms and Conditions at any time by updating this posting, which revisions, if any, will be immediately binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to Leaders include its affiliates, directors and employees.



Laws and Regulations

User access to, and use of, this Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. New Jersey law, except where applicable and overriding conflicts arise in connection to users outside of the State of New Jersey, and Federal law will govern the interpretation and enforcement of these Terms and Conditions.



Copyright and Trademark Information

The information contained at the Site, including but not limited to text and images herein (other than certain images that may be licensed from third parties) and their arrangement, are copyright © 2013 by Leaders Financial Company. All rights reserved.

Leaders and its logo are trademarks of Leaders. All other trademarks are property of Leaders unless otherwise designated or clearly implied herein as belonging to third parties. Nothing contained at the Site shall be construed as granting by implication, estoppel, or otherwise any license or right under any trademark or copyright (except as expressly stated above) or proprietary rights of Leaders or of any third party.

You are authorized by Leaders to copy, transmit or display any information registered or owned by Leaders on any page of the Site solely for your personal, non-commercial use, provided that any such copy, transmission or display includes any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be used for commercial or public purposes without Leaders' prior written consent.

This Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at this Site may be the copyright or trademark of third parties and, in such cases, any use is subject to the terms and conditions of such third parties.



Limitation of Liabilities and Warranties

INFORMATION ON THE SITE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

The information contained at the Site may include technical inaccuracies or typographical errors. Leaders from time to time amends, changes, adds, deletes, updates or alters the information contained at this Site, including information regarding the products and services described at the Site, without notice. Leaders assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

IN NO EVENT SHALL LEADERS BE LIABLE FOR ANY PUNITIVE, SPECIAL, DIRECT, INDIRECT, EXEMPLARY OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT AND TORT ACTIONS (INCLUDING LIBEL), ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THIS SITE AND THE INFORMATION CONTAINED AT THIS SITE (INCLUDING VIA COMPUTER VIRUSES OR ANY OTHER FORM OF SOFTWARE).



Violations of Terms and Conditions

Leaders reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including the right to block access from a particular Internet address to the Site. YOU AGREE TO INDEMNIFY, DEFEND AND HOLD HARMLESS LEADERS FROM ANY LIABILITY, LOSS, CLAIM AND EXPENSE, INCLUDING ATTORNEY'S FEES, RELATED TO YOUR VIOLATION OF THESE TERMS AND CONDITIONS OR YOUR USE OF THE SERVICES AND INFORMATION PROVIDED AT THE SITE.

New York Disclosure: Due to NY State laws, a consumer credit report may be ordered for credit updates, renewals or extensions. Upon your request, you can be informed if such a report was ordered and if you do so, you'll be given the name and address of the reporting agency.



Special Note Regarding the Servicemembers Civil Relief Act ("SCRA")

The Servicemembers Civil Relief Act ("SCRA") provides benefits to members of the United States Army, Navy, Air Force, Marine Corps and Coast Guard, members of the National Guard, commissioned officers of the Public Health Service and National Oceanic and Atmospheric Administration engaged in active service.

Some SCRA benefits also extend to servicemembers' spouses, dependents, and other persons under the financial support of servicemembers.



PRIVACY POLICY Last updated: March 18, 2013

We respect your privacy and are committed to protecting it through our compliance with this privacy policy (this "Privacy Policy"). For purposes of this Privacy Policy, each of the terms "we" "us," or "our" means Leaders Financial Company, Inc., a New Jersey corporation, and the term this "Site," means, collectively, this website and portions of other Web pages and Web content through which you have accessed this Privacy Policy.

This Privacy Policy describes information that we collect from you or that you provide on this Site and how that information may be used and disclosed by us.

This Privacy Policy does not apply to information collected through any other medium, collected offline, or collected by any person or entity other than us (such as a third-party website or a third-party application).

Please read this Privacy Policy and also the Terms of Use carefully to understand our policies and practices regarding your personal information and how we will treat your personal information as it relates to this Site. By accessing, using or submitting information to this Site, you agree to this Privacy Policy and our Terms of Use. This Privacy Policy may change from time to time and your continued use of this Site is deemed to be acceptance of such changes, so please check periodically for updates.



Information We Collect About You

We collect several types of information from and about users of this Site, including the information described below.


Personally Identifiable Information

In this Privacy Policy, personally identifiable information means information that identifies a particular individual, such, for example, as an individualís name, postal address, e-mail address, and phone number. Personally identifiable information does not include screen names or user names that you may provide to us or through this Site. The following are certain situations in which we may collect personally identifiable information from you:


  • Information we receive from your application and others forms.
  • Information about your transaction with us, our affiliates or others.
  • Information we receive from credit reporting agencies, insurers, employers, and others. in connection with our business.

Leaders Company will not disclose, nor do we reserve the right to disclose, any nonpublic personal information about our consumers, customers or former customers to anyone, except as permitted by law. We may disclose nonpublic personal information about a consumer, customer or former customer to non-affiliated third parties as permitted by law. This includes, but is not limited to, credit reporting agencies and insurance carriers. The confidentiality of your nonpublic personal information will continue to be maintained consistent with this Privacy Policy even if you decide to close your account(s), your account becomes inactive or when we otherwise cease to do business with each other.

To maintain security of customer information, Leaders Financial Company restricts access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you, and to conduct related business with you. We maintain physical, electronic, managerial and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.



Non-Personally Identifiable Information

We may, when required, collect demographic information about you such as gender, zip code, and birth date, ethnicity and race in connection with the requirements set forth in Section 1071 of the Dodd-Frank Act, and also information regarding your preferences and usage. This type of information is not, by itself, personally identifiable information. However, if we link such information with personally identifiable information in a manner that identifies a particular individual, then we will treat all such information as personally identifiable information for purposes of this Privacy Policy.

We may also collect non-personally identifiable information about you through a variety of technical methods, including the following:


  • Collection of Usage Details and IP Address. As you navigate through this Site, we may collect details of your visits to this Site, including, but not limited to, traffic data, location data, logs, the resources that you access, and information about your computer and internet connection, including your IP address, operating system and browser type. We may also use this information for system administration and to report aggregate information to our advertisers and business partners.
  • Collection with Cookies. "Cookies" are pieces of information that a website sends to your computer while you are viewing a website. We may set and access cookies on your computer to track and store information about you. You consent to our placement of cookies on your computer. Please note that most Internet browsers will allow you to stop cookies from being stored on your computer and to delete cookies stored on your computer. If you choose to do so, however, your use of certain aspects of this Site may be restricted.
  • Collection with Web Beacons. "Web beacons" are electronic images, tags or scripts that allow a website to access cookies and help track general usage patterns of visitors to a website. Web beacons can recognize certain types of information, such as cookies, time and date of a page view, and a description of the page where the Web beacon is placed. We may use Web beacons to compile information regarding use of this Site.

The information collected through these technical methods, standing alone, cannot be used to determine your identity. Such information may, however, be combined in a way that makes it become personally identifiable information. If this happens, we will treat the combined information as personally identifiable information.



How We Use Your Information

We may use your information, including any personally identifiable information, to:


  • Confirm and complete transactions requested by you;
  • Manage our business and operations;
  • Meet legal and regulatory requirements;
  • Provide customer support, troubleshoot and resolve problems and disputes;
  • Contact you to verify the information you provide to us;
  • Protect the security and integrity of this Site;
  • Conduct internal reviews of this Site and administer this Siteís systems;
  • Comply with, monitor compliance with and enforce this Privacy Policy, our Terms of Useand any other applicable policies;
  • Develop, enhance and market our products and services or the products and services of third parties;
  • Provide administrative communications to you;
  • For other purposes as may be disclosed when you provide personally identifiable information or in this Privacy Policy.


Disclosure of Personally Identifiable Information

We may disclose personally identifiable information:

  • To any person who, in our reasonable judgment, is authorized to receive your personally identifiable information as your agent(for example, your attorney);
  • To our third party vendors so that they may provide support for our internal and business operations, including management of data processing, data storage, surveys, research, transaction materials, and this Site's maintenance and security;
  • To third parties when you engage in certain activities on this Site that are sponsored by them, such as purchasing products or services offered by a third party, or electing to receive information or communications from a third party. When we disclose your personally identifiable information to these third parties, your personally identifiable information will become permanently subject to the information use and sharing practices of the third party, and the third party will not be restricted by this Privacy Policy with respect to its use and further sharing of your personally identifiable information;
  • As required by law or the order of a court, regulatory, or administrative agency;

  • As we deem necessary, in our sole discretion, if we believe that you are violating any applicable law, rule or regulation, or are otherwise interfering with another's or our rights or property, without limitation;

  • If requested by authorities in the event of any act of terrorism or emergency;
  • To enforce our Terms of Use, this Privacy Policy, and any other applicable agreements and policies;
  • To enforce or protect our rights;
  • n connection with a Business Reorganization, as defined below (see Business Reorganizations below);

Aggregation and De-Personalization

We may take your personally identifiable information and make it non-personally identifiableby combining it with information about other individuals or by removing characteristics that make the information personally identifiable of you. We may use and/or disclose to third parties such aggregate or de-personalized information in any manner and without notice or compensation to you.


Circumvention of Security Measures

In addition, although we employ reasonable security measures to protect personally identifiable information we collect through this Site, we cannot ensure that your personally identifiable information will only be disclosed as described in this Privacy Policy. By way of example, without limitation, we may be forced to disclose personally identifiable information to third parties under certain circumstances and/or third parties may unlawfully intercept or access your information. Therefore, notwithstanding anything to the contrary within this Privacy Policy, the Terms or any other applicable agreement or policy, you use this Site at your own risk and we do not guarantee, nor should you expect, that your personally identifiable information will always remain private. In the unlikely event that an unauthorized third party compromises our security measures, we shall not be responsible for any damages directly or indirectly caused by such unauthorized third party's ability to view, use or disseminate such information.


Business Reorganizations

We expressly reserve the right to disclose, sell, assign or transfer your personally identifiable information collected through this Site, and any of its databases, together with any personally identifiable information contained in such data bases, to third parties in connection with a Business Reorganization. A "Business Reorganization" means a sale, acquisition, merger, consolidation, reorganization, bankruptcy or other corporate change involving us, even if the Business Reorganization is only being contemplated and not necessarily completed, and regardless of whether the Business Reorganization relates to a part or a whole of our business. Nothing in this Privacy Policy is intended to interfere with our ability to transfer all or part of our business, equity, and/or assets (including this Site) to an independent third party at any time, for any purpose, without any limitation, without prior notice, any without any compensation to you, whatsoever.



User Provided Content

You are responsible for any content, including personal information, that you provide on this Site and or that you transmit to other users of this Site. You provide personal information to this Site at your own risk. We cannot control the actions of other users of this Site with whom you may choose to share your personal information, nor are we responsible for circumvention of any privacy settings or security measures contained on this Site. As a result, despite our best measures, we cannot and do not guarantee that your personal information will not be viewed by unauthorized persons. Proper access and use of information provided on this Site is governed by our Terms of Use.



Changes to this Privacy Policy

We may amend this Privacy Policy at any time. Amendments will take effect immediately upon us posting the updated Privacy Policy on this Site. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. The date on which this Privacy Policy was last updated will be noted immediately above this Privacy Policy.



Contacting Us

If you have questions or concerns about our privacy practices or wish to make a request regarding your personally identifiable information, please contact us at any of the following:


Via telephone: (908) 497-9100

Via fax: (908) 497-9110

Via mail: Leaders Financial Company

21 Commerce Drive, 1st Floor

Cranford, NJ 07016


SPECIAL NOTIFICATION FOR CALIFORNIA RESIDENTS - YOUR CALIFORNIA PRIVACY RIGHTS

Individuals who are residents of California and have provided their personally identifiable information to us may request information regarding our disclosures, if any, of their personally identifiable information to third parties for direct marketing purposes.

or in writing at:


Leaders Financial Company, Inc.

21 Commerce Drive, 1st Floor

Cranford, NJ 07016

Attention: Customer Service

Via telephone: (908) 497-9100

Via fax: (908) 497-9110


California privacy rights requests must include the reference "Request for California Privacy Information" on the subject line and in the body of the message and must include the e-mail address or mailing address, as applicable, for us to send our response. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the address specified in this paragraph.