MAPS

Model Actuarial Pricing Systems

Privacy Statement

Customer Privacy Notice

Protecting your privacy is important to Cantor LifeMarkets and our employees. We believe the confidentiality and protection of customer information is one of our most fundamental responsibilities. Whether you are an existing customer or are considering a relationship with us, you have an interest in how we collect, use, retain and secure nonpublic personal information. And while information is critical to providing quality services, we recognize that one of our most important assets is our customers' trust.

If we change our privacy policies, a revised customer privacy notice will promptly be posted to our web site. You agree to accept posting of a revised customer privacy notice electronically on the web site as actual notice to you. You should review the customer privacy notice periodically to remain informed of any changes. Any dispute between you and Cantor LifeMarkets is subject to our customer agreement/terms and conditions and our general policies, terms, and procedures governing Cantor LifeMarkets customer and other accounts, including where applicable, arbitration of disputes and limitation of damages.

If you have any questions that this customer privacy notice does not address or if you wish to discuss Cantor LifeMarkets' privacy policies in greater detail, please contact our Compliance Department at 212 829-4763 or write us at Cantor LifeMarkets L.P., Attn: Compliance Department, 110 East 59th Street, New York, NY 10022.

The Information We Collect

Cantor LifeMarkets may collect non-public personal information about you from the following sources:

  1. Information you provide to us on account opening documentation, applications, subscriptions or other forms;
  2. Transactions with us, such as your trading activity, account balance and risk tolerance;
  3. From non-affiliated third parties (e.g., credit reporting agencies and others).

Cantor Lifemarkets may also collect non-public personal information that you provide and/or which we obtain from non-affiliated third parties (e.g., medical professionals, underwriters and others) about individuals insured under insurance policies that are bought and/or sold online through the Cantor LifeMarkets Exchange.

Categories of Information that We May Disclose

We may disclose the following kinds of non-public personal information about you:

  1. Information we receive on applications or other forms, such as name, address, social security number and e-mail address;
  2. Information about your transactions with us, our affiliates, or other;
  3. Information we receive from a consumer reporting agency, such as creditworthiness and credit history.

We may also disclose non-public information that we obtain from you and/or non-affiliated third parties about individuals insured under insurance policies that are bought and/or sold online through the Cantor LifeMarkets Exchange.

Parties to Whom We May Disclose Information

We do not disclose your non-public personal information to any non-affiliated third party, except to non affiliated third parties that may assist us in servicing your account, to financial service institutions with whom we have joint marketing agreements, to securities and banking regulators upon requests, to others pursuant to subpoena and otherwise as permitted by law. We may from time to time disclose your non-public personal information to our affiliates, including but not limited to affiliated broker-dealers.

If you decide to identify yourself as a seller of an insurance policy on the Cantor LifeMarkets Exchange, we will disclose your name on our web site as a seller of any insurance policies that you have placed for sale on our web site. We will not disclose your identity on our web site unless and until you have specifically opted to have your identity disclosed.

We do not disclose non-public personal information we obtain from you about individuals insured under insurance policies that are bought and/or sold online through the Cantor LifeMarkets Exchange to our affiliates or to any non-affiliated third party, except to non-affiliated third parties that assist us in processing, evaluating and preparing the insurance policies you have listed with us for sale through the Cantor LifeMarkets Exchange.

If you decide to close your account (s) or become an inactive customer, we will continue to adhere to the privacy and practices described in this notice, or subsequent notices, which may amend the policy stated herein.

Nothing in this customer privacy notice is intended to interfere with our ability to transfer all or part of our business and/or assets to an affiliate or non-affiliated third party at any time, for any purpose, without any limitation whatsoever.

Confidentiality and Security Procedures

Cantor LifeMarkets takes steps to safeguard your personal and account information and information we have obtained from you regarding individuals insured under insurance policies that are bought and/or sold online through the Cantor LifeMarkets Exchange. We restrict access to such information to those employees who need to know that information in order for us to provide products or services to you. We emphasize the importance of confidentiality through employee training, operating procedures, written policies and this privacy policy. We maintain physical, electronic, and procedural safeguards to guard and maintain the security non-public personal information we have obtained from you.

We require that all entities with which we share non-public personal information, including non-affiliated third parties that assist us in processing, evaluating and preparing the insurance policies you have listed with us for sale through the Cantor LifeMarkets Exchange, to agree to maintain and secure the confidentiality of any non-public information we provide. We also prohibit any such non-affiliated entities from using or disclosing any non-public information we provide to them, except for the limited purpose for which disclosure was intended, or as otherwise required by law.

Opting-Out

Under applicable laws, you are allowed in certain circumstances to opt-out of our sharing of non-public personal information we obtain about you with affiliated and non-affiliated companies. We do not currently share any of your non-public information with any of our affiliates or non-affiliated third parties that triggers this opt-out right. There is thus no need for you to opt-out at this time. If at some later date we decide to disclose your non-public information in a manner that would trigger this opt-out right, we will provide you with advance notice and an opportunity to opt-out of any such sharing of your non-public information.

Web Sites

To provide better service and more effective web site, we may use "Cookies" as part of our interaction with our customers, and may use Cookies in other web-based services we provide in the future. A "Cookie" is a small text file placed on the customer's hard drive by our web page server. Cookies help us track traffic patterns so we know what areas of the web site our visitors use and to ensure that only members or other authorized users are given access to our web site. These cookies do not collect personally identifiable information.

Cookies are commonly used on web sites and do not harm your system. You do have control over cookies. By configuring your preferences or options in your browser, you determine if and how a Cookie will be accepted.

Key Terms to Privacy

"Nonpublic Personal Information" - Personally identifiable financial information that is provided by a customer or potential customer to a financial institution, that results from a transaction with the customer or that is otherwise obtained by the financial institution in connection with providing a financial product or service.

"Affiliate"- Any entity that is part of Cantor LifeMarkets L.P.'s family by virtue of common ownership or control.

"Non-Affiliated Third Party" - Any entity that is not part of Cantor LifeMarkets L.P's family of companies.