LAGERS Privacy Policy and Terms of Use

LAGERS understands and respects the importance of data security. LAGERS is committed to protecting the information and data that you provide through our website.  Consequently, LAGERS has implemented this privacy policy to inform LAGERS website users how it does collect, store and use information and data you provide through our website.

This policy is intended to provide full disclosure of how we use information that may be collected through the LAGERS website. The policy applies to the LAGERS website and information collected by and through the LAGERS website. It does not apply to any other dealings with users of the LAGERS website and does not apply to third-party sites which may be linked to the LAGERS website.

By using the LAGERS website, you are accepting this privacy policy. If you do not agree to this policy, do not use the LAGERS website.

Accordingly, LAGERS is documenting the following privacy objectives for this website:

Security Practices

LAGERS recognizes and respects your desire for privacy. LAGERS attempts to protect online information according to established security standards and practices and continually evaluates such matters for safeguarding information. We cannot, however, ensure or warrant the security of any information you transmit to us on the LAGERS website and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards.

Surveys and Forms

You may be given the opportunity to provide information through online surveys and forms. We use this information to better understand member needs and to provide quality services. Please note that we generally do not collect identifying information about you but LAGERS reserves the right to collect such information if it is provided when you respond to a survey.

Disclosure

We reserve the right to disclose any personal information about you or your use of the LAGERS website, including its contents, without your prior permission if we have a good faith belief that such action is necessary to: (1) protect and defend our rights or property; (2) enforce the terms or use of this policy or other agreement regarding the LAGERS website; (3) act to protect the interests of its users and customers; or (4) comply with any and all legal requirements or process.

“Cookies” Information

When you use the LAGERS website, we may send one or more cookies – small text files containing a string of alphanumeric characters – to your computer. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the LAGERS website. Persistent cookies can be removed. Please review your web browser “Help” file to learn the proper way to modify your cookie settings.

Third Party Sites

The LAGERS website may contain features or links to third party websites. Any information you provide on a third party website is provided directly to that third party and is subject to that third party’s policies, if any, governing privacy and security. We are not responsible for the content or privacy and security practices and policies of third party sites or services to which links or access are provided through the LAGERS website. We encourage you to learn about third parties’ privacy and security policies before providing them with personally identifiable information.

Information Collected from Users

LAGERS routinely gathers data on usage of this Website, such as how many people visit this Website, the sections they visit, what time they visit, how long they stay, etc. Please know that Website visitor data is collected on an aggregate, anonymous basis. That means no personal information is associated with this data.

Children’s Privacy

Protecting the privacy of young children is especially important. For that reason, we do not allow children under 13 to use the LAGERS website or knowingly collect or maintain personally identifiable information from persons under 13 years-of-age, and no part of the LAGERS website is directed to persons under 13. If you are under 13 years-of-age, then please do not use or access the LAGERS website at any time or in any manner. By using the LAGERS website, you represent that you are not under 13 years of age.

California Residents

Under California Civil Code Sections 1798.80-1798.84, California residents are entitled to the following rights regarding any personal information collected and used by LAGERS:

LAGERS will notify any California resident of any breach of the security of LAGERS’ website following any discovery or notification of a breach in the security wherein the California resident’s unencrypted information was, or is reasonably believed to have been, acquired by an unauthorized person.

Further, because LAGERS reserves the right to disclose a user’s personal information to any third party in its discretion, all California residents have the right to obtain what information and to whom the information was provided by LAGERS in the immediately preceding calendar year. Upon written receipt of a written or email request for such information to the designated address below, LAGERS shall provide a list of any disclosures of the California resident’s personal information to any third party within thirty (30) days of the receipt of such request.

The list shall include:

  1. A list of categories of personal information provided to any third party; and
  2. The names and addresses of all of third parties that received the California resident’s personal information within the preceding calendar year.

Such list may be in a standardized format and not specific to any individual.

A California resident’s request for such information may be submitted via e-mail to [insert appropriate email address] or by mail to [insert appropriate mailing address]. California residents shall only be entitled to have this information provided once per calendar year.

LAGERS External Links Policy

Some areas of this website may provide links to other external sites that LAGERS does not own, control, monitor, verify or influence. Information contained in the external sites is not endorsed, authorized, monitored or verified by LAGERS. LAGERS references sites that it believes may be useful or of interest to you, but LAGERS is not responsible for the privacy practices or content used by other site owners. Accordingly, LAGERS does not make any representation regarding the accuracy of such content. Your use of such external sites may be subject to such other sites’ terms of use.

Updates to the Statement

The effective date of this Privacy Statement is May 1, 2013.

We may update or revise the LAGERS Privacy Statement in the future and we encourage you to return to this page from time to time to review any such updates or revisions.

LAGERS Online Website Legal Disclaimer

Every effort has been made to ensure that the information on this website is accurate.  At all times, the provisions of the Missouri Revised Statutes and law govern the terms and conditions of the Missouri Local Government Employees’ Retirement System and all benefits payable.  While every effort has been has been made to ensure that that the information on this website is accurate, if the information should conflict with laws, rules or plan language, the law, rules or plan language must apply and take precedence.

LAGERS has made appropriate efforts to present the public information contained on this site accurately, but additions, deletions and changes may occur and updates may not always be timely. LAGERS has no duty to update this site and any information present may be outdated and may contain inaccuracies or errors. The public information is also limited in nature and does not contain all applicable terms, conditions, limitations or exclusions of the LAGERS plan. Complete terms, conditions, limitations and exclusions are found in the Revised Statutes of Missouri. Information provided by LAGERS is provided “as is” and neither LAGERS nor its trustees or employees make any representation or warranty with respect to the content or information furnished herein. LAGERS assumes no liability or responsibility for any errors or omissions in the content of the LAGERS website.

There are risks associated with using the Internet, including, without limitation, the failure of hardware, software and/or Internet connections. LAGERS is not responsible for any failures, distortions, delays, or other problems resulting from equipment configuration, connection, signal power, hardware, software or any equipment used to access the Internet.

Limitation of Liability

YOU AGREE THAT LAGERS, ITS TRUSTEES AND EMPLOYEES HAVE NO LIABILITY 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.

You agree to defend, indemnify and hold LAGERS, its trustees and employees harmless from and against any claims, actions or demands, liabilities and settlements including, without limitation, reasonable legal fees, resulting from, or alleged to result from, your use of this Website.

Security; Use Restrictions

LAGERS utilizes security procedures and processes to protect this Website.

You may not use any device, software, routine or agent to interfere or attempt to interfere with the proper operation of this Website, or with the security of this Website, or any services, system resources, accounts, servers, or networks connected to or accessible through this Website. You may not intentionally take any action that imposes an unreasonable or disproportionately large load on LAGERS infrastructure. You may not create or use a false identity on this Website.

Ownership

All information and content on this Website is solely and exclusively the property of LAGERS  unless otherwise noted, and may be protected by copyright, trademark and other intellectual property laws. Unauthorized use of such information and content may violate LAGERS’ intellectual property rights.

LAGERS grants you a limited, nonexclusive license to display and otherwise use this Website solely for informational, noncommercial purposes and to print pages from this Website in connection with such use.

LAGERS reserves all other rights. You may not modify, perform, publish, license, create derivative works from, transfer or sell any text, graphics, logos and other source-identifying symbols, designs, icons, images, software or other content, product or services obtained from this website.

You may not reverse-engineer, disassemble or decompile any software (including tools, utilities, modules, applets and applications) included in any of the foregoing, or used to manipulate, transmit or display any of the foregoing.

Updates to Legal Disclaimer

LAGERS may change or update this Legal Disclaimer from time to time without notice.

BY USING THIS WEBSITE, YOU ACKNOWLEDGE AND CONFIRM THAT YOU HAVE READ AND UNDERSTAND ALL OF THE ABOVE CONDITIONS, TERMS, POLICIES, PROVISIONS, DISCLOSURES AND DISCLAIMERS, AND THAT YOU EXPRESSLY AGREE TO BE BOUND BY THEM.

LAGERS Social Media Policy

LAGERS social media pages provide an opportunity for sharing information about LAGERS. Every effort has been made to ensure that the information on these pages is accurate. If the information should conflict with laws, rules or plan language, then the law, rules or plan language must take precedence.  Information on these pages is not intended to provide retirement or investment advice. We cannot and do not guarantee its applicability or accuracy in regards to your individual circumstances.

If you are looking for the official source of information about Missouri LAGERS, please visit our homepage, www.molagers.org.

We understand that social media is a 24/7 medium and your comments are welcome at any time. However, responding to and deleting comments will generally occur during normal business hours Monday through Friday. Comments will be reviewed as early as possible.

This is an open forum and LAGERS encourages participation, however, postings are screened in accordance with LAGERS Social Media Policy and must be clean and inoffensive. Postings will not be edited by LAGERS staff, but will be deleted if they do not comply with the guidelines below:

  • We do not allow graphic, obscene, explicit, or racial comments or submissions nor do we allow comments that are abusive, hateful, or intended to defame anyone or any organization.
  • Please do not post personal information or ask specific, personal benefit related questions on this page. Those who post personally identifiable or sensitive personal information do so at their own risk. LAGERS is not responsible for any personally identifiable or sensitive personal information posted by social media users. LAGERS will endeavor to remove postings that contain personally identifiable information as soon as those postings are identified, but LAGERS is not responsible for any damages caused by delays in such removal.  If you have questions related to your specific situation, please contact the LAGERS office at 1-800-447-4334.
  • We do not allow solicitation or advertisements.
  • We do not allow any comment that suggests or encourages illegal activity.
  • The comments and opinions expressed by fans of this page are theirs alone and do not reflect the opinions of LAGERS or its employees.
  • Public comments should be limited to the comments related to the posted topic.
  • LAGERS will remove any comment or information that, in the sole judgment of LAGERS,  inaccurately describes benefits provided by LAGERS.
  • Postings and comments may be subject to public records retention in accordance with Missouri state law.
  • This policy is subject to amendment or modification at any time to ensure its continued use is consistent with its intended purpose.

In addition to deleting non-permissible content, LAGERS reserves the right to permanently ban those who post content that does not comply with this policy.