CERF TERMS AND CONDITIONS/TERMS OF USE

By using the CERF website, you agree to be bound by these Terms and Conditions/Terms of Use below. If you do not wish to be bound by these Terms and Conditions/Terms of Use, do not use the CERF website.

Any personal information you submit to CERF will be treated in the manner outlined in the Privacy Policy.

Right of Modification

CERF reserves the right to modify or update these Terms and Conditions/Terms of Use at its sole discretion and at any time without notice to you. Your continued use of the website after such modification of these Terms and Conditions/Terms of Use constitutes acceptance of these modifications.

Legal Disclaimer

While CERF makes every effort to distribute accurate information, if any information conflicts with the provisions of the Revised Statutes of Missouri, applicable regulations, a nd other applicable laws governing the terms and conditions of the County Employees’ Retirement Fund and all benefits payable, such applicable provisions or laws will apply.

CERF has no duty to update this site and information presented may contain errors or inaccuracies, or may be outdated. The public information is limited in scope and does not contain all applicable terms, conditions, limitations and exclusions of CERF. Please see the Revised Statutes of Missouri, applicable regulations, and other applicable laws for complete terms, conditions, limitations and exclusions.

Limitation on Liability

IN NO EVENT SHALL CERF, ITS TRUSTEES OR EMPLOYEES BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY WITH RESPECT TO ANY CLAIMS, DEMANDS, CAUSES OF ACTION OR DAMAGES (WHETHER DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE) AS A RESULT OF YOUR USE OF THIS WEBSITE OR IN CONNECTION WITH YOUR VIEWING ANY INFORMATION CONTAINED ON THIS WEBSITE OR LINKED FROM THIS WEBSITE. YOU AGREE TO USE THIS WEBSITE AND SUBMIT INFORMATION AT YOUR OWN RISK.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

ELECTRONIC SIGNATURES

Electronic Signatures

You agree that your electronic signature, whether digital or encrypted, as used on this website is intended to authenticate any writings or agreements and to have the same force and effect as manual signatures.

Electronic signature means any electronic sound, symbol or process attached to, or logically associated with, a record and executed and adopted by a person with the intent to sign the record[including facsimile or e-mail electronic signature

CERF PRIVACY POLICY

Electronic Signatures

Your privacy is important to the County Employees' Retirement Fund ("CERF"). This Privacy Policy explains how we collect, process and use the personal information you provide and that is not already publicly available or is not required to be disclosed. CERF is, as a public governmental body, subject to laws that require open and public governmental operations. However, although the public has access to certain records and information possessed by CERF, your personal information will not be disclosed to other persons or organizations except as authorized by law, or by you. By visiting or using this website, you acknowledge that you accept the practices and policies outlined in this Privacy Policy and consent to the use of your information that we collect.

Electronic signature means any electronic sound, symbol or process attached to, or logically associated with, a record and executed and adopted by a person with the intent to sign the record[including facsimile or e-mail electronic signature

Information We Collect About You and How We Use Your Information

We collect information that you voluntarily provide to fill out forms on this website. You will need to provide a user ID and password (“Registration Information”) to view member specific information. Your Registration Information is only accessible by CERF employees and contractors who have appropriate authorizations and who are bound by confidentiality obligations.

The information will be used to provide you with services and information. We generally do not share your personal information, except in the following situations:

Law Enforcement. We may report to law enforcement agencies any activities that we reasonably believe to be unlawful, or that we believe may aid a law enforcement investigation. In addition, we reserve the right to release information to law enforcement agencies if we determine, in our sole judgment, that either you have violated our policies, or the release of information about you may protect the rights, property, or safety of us or another person.

Legal Processes. We may share all types of information with others as required or permitted by law. This may include sharing information with governmental entities, or third parties in response to subpoenas, court orders, other legal process, or as we believe is necessary to exercise our legal rights, to defend against legal claims that have been brought against us, or to defend against possible legal claims that we determine in our sole discretion might be brought against us.

Other Third Parties (without your consent). We may share non-personal information with other third parties. When we do so, we endeavor to either aggregate or de-identify the information so that a third party would not be likely to link data to you, your computer, or your device. Aggregation means that we combine the non-personal information of numerous people together so that the data does not relate to any one person. De-identify means that we remove or change (e.g., hash) certain pieces of information that might be used to link data to a particular person.

Other Third Parties (with your consent). We may share information with other third parties that are not described here if you give us consent to do so.

Service Providers. We share information with people and companies that provide us with services. These services may include, among other things, helping us provide products or services that you request, create or maintain our databases, research or analyze the people who use our website or services. Unless you consent, we do not permit our service providers to market their own products or services to you directly. We also require our service providers to agree to take reasonable steps to keep the personal information that we provide to them secure. In some instances, we may maintain the look and feel of our site while you are on our service provider’s site.

Information You Provide

E-mail

If you send us an e-mail, the message will usually contain your return address. If you include personal information in your e-mail, we may use that information in responding to your request. E-mail is not necessarily secure or confidential. Send only the information that is necessary for us to answer your question or process your request.

When contacting CERF via email, do not include any personal identifying information, including your Social Security Number or bank account information.

Requests for Information

There may be locations on the CERF website where you may request information, such as applications, be mailed to you. Should you make a request for information, the personally identifiable information you disclose as part of making that request is disclosed to staff at the CERF Administrative Office so that your request may be fulfilled.

Surveys and Forms

You may be asked to provide information through online surveys and forms. We use this information to better understand your needs and to provide quality member services.

Data Security

We have implemented measures designed to help secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. Unfortunately, the transmission of information via the Internet is not completely secure. Although we try to protect your personal information, we cannot guarantee the security of your personal information transmitted to this website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the website.

The security and safety of your information also depends on you. Where you have chosen a password for access to certain parts of our website, you are responsible for keeping this password confidential. Do not share your password with anyone.

Browsing

While you browse the website, our operating system will automatically record the following information:

The name of the domain from which you accessed our website. For example, if you are connecting from an America Online account, the fact that someone who visited this website uses AOL as an Internet service provider will be known, but the individual e-mail address of the user will not be known.

The IP address from which you accessed our website. We use IP addresses for purposes such as for compliance and security purposes and administering the site.

The date and time any page on our site was accessed.

The address (also called the URL) of the website from which any page on this site was linked.

The type of browser being used, such as "Netscape Version X.X" or "Internet Explorer Version X.X".

The type of operating system you use such as Macintosh, Unix, or Windows.

This tracking system does NOT record information about individuals. This information is used to monitor traffic and improve this site.

Use of Cookies

A cookie is a small text file containing a string of alphanumeric characters that is sent to your computer when you access a website. There are two kinds of cookies – session cookies and persistent cookies. A session cookie is a line of text that is temporarily stored to your computer’s memory and disappears after you close your browser. A persistent cookie is a more permanent type of text that is saved to your hard drive and may be used by your browser on subsequent visits to CERF's website.

Persistent cookies enable a website to remember your information and settings to provide faster and more convenient access, but can be removed. You can change your web browser’s settings if you do not want your browser to accept these types of cookies.

CERF uses session cookies.

Changes to this Privacy Policy

CERF reserves the right to modify the Terms and Conditions/Terms of Use and this Privacy Policy at its sole discretion and at any time without notice to you. Your continued use of the website after such modification of the Terms and Conditions/Terms of Use and this Privacy Policy constitutes acceptance of these modifications.

Third Party Online Tracking

We do not permit third party behavioral advertising companies to use personally identifiable information about visitors to our website to provide targeted advertising.

Links to Other Sites Disclaimer

Our site provides links to other websites. The privacy policies described here do NOT apply to any external sites. Read the privacy policies of other sites you visit. Be informed. You are the person best qualified to protect your own privacy.

How We Communicate With You

If you have any questions or comments about our privacy policy, contact carssupport@mocerf.org . If we need, or are required, to contact you concerning any event that involves information about you, we may do so by e-mail, telephone, or mail.