Online Privacy Policy

Effective as of June 2016

 

Overview

Morgan Stanley (“us”, “our” or “we”) appreciates that you have provided us with your personal information and protecting that information is an important part of how we conduct our business. We believe it is important for you to know how we treat information about you that we may receive from this site (“Site” or “online services”). Please read this Privacy Policy carefully before using this Site. This Privacy Policy currently is applicable only to United States consumers and only when they access and use this Site, and may not be applicable to transactions performed and information collected in other channels. Our online services are not directed to or intended for individuals under 18 years of age. This Online Privacy Policy describes how we collect, use, share and protect information when you access or use our online services and how you can update and control the use of information provided through our online services. This Online Privacy Policy does not apply to other information we collect, including information collected on other sites, such as separate sites operated by our affiliates or business partners or other information you may provide to us through other means.

Information Collected

Personal information means personally identifiable information such as information you provide via forms or other online fields including name, postal or email addresses, telephone, fax or mobile numbers. There are portions of our online services where we may collect personal information about you to fulfill your online requests (e.g. topics of interest). We may obtain information about you directly from you, through your use of our products and services and from third parties (such as credit bureaus and demographic firms).

In addition, when you visit our Site, our web servers collect the IP address of the device you used to access the Internet, which pages on our Site you visited and when they were visited, your Internet browser type and platform, the link that brought you to our Site and content such as time spent viewing videos, PDFs read and links clicked within our Site. Our web servers also seek (as many websites do) to place a “cookie” (a small data file) on your device’s hard drive which allows the server to determine the device when it visits again in order to track statistical information about navigation to and throughout certain areas of our Site. To view our and our affiliates’ Global Cookies Policy, click here.

Do Not Track Policy

We do not engage in the collection of personal information about your online activities over time and across third-party Web sites or online services and do not allow third parties to collect personal information about your online activities over time and across third-party Web sites when you use our online services. We do not respond to Web browser “do not track signals”.

Use of Collected Information

We may use information you provide us through our online services to:

  • respond to your questions and requests;
  • provide consumer support;
  • provide specified services to you;
  • contact you about updates to our service;
  • send you marketing communications that we believe may be of interest to you;
  • verify/authenticate your identity and/or location to maintain measures aimed at fraud detection and prevention and protecting personal information and our online services;
  • manage institutional risk;
  • comply with laws, regulations, legal processes and law enforcement requirements; and
  • for any other purpose outlined in this Privacy Policy, our Global Cookies Policy and/or the Terms of Use, and as permitted by law.

Any personal information we collect through our online services may be shared with our service providers, financial institutions with whom we jointly offer financial products, our affiliates, or as permitted or required by law (such as credit bureau agencies, business we buy or sell assets from, and law enforcement or government agencies).

If we have information received from you or information that is publicly available from other sources, we may use it in combination with the information that we have collected through our online services. We can use this information to better tailor and personalize our services and marketing communications to you, both online and offline.

We may also use and share data that we collect on an aggregate or anonymous basis (such that it does not identify any individual consumers) for various business purposes, where permissible under applicable laws and regulations.

Our Security Procedures

At Morgan Stanley, our goal is to protect your personal information submitted to us through our online services. We maintain reasonable physical, electronic, and procedural safeguards that comply with applicable law to guard nonpublic personal information about you against loss, misuse or unauthorized access, disclosure, alteration or destruction of the information you have provided to us through our online services. We have internal policies governing the proper handling of consumer information by personnel and requiring third parties that provide support or marketing services on our behalf to adhere to appropriate security standards with respect to such information.

Links to Other Sites

This Online Privacy Policy only applies to the use and disclosure of information we collect through our online services. Our Site may contain links to other sites such as other Morgan Stanley websites and sites belonging to our business partners (who are not affiliated with us). The inclusion of a link on our Site does not imply endorsement of the linked site or service by us. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other sites. Information you disclose to other parties or through such sites is subject to the privacy and security practices and policies of those parties or sites.

International Users

This Online Privacy Policy is provided in accordance with and subject to applicable U.S. law. If you decide to continue to access our online services from your location outside the United States, you hereby agree that your use of those services is subject to this Online Privacy Policy and your personal information may be transferred or processed in the United States.

Changes to this Privacy Policy

We reserve the right to modify or supplement this Online Privacy Policy at any time. Therefore, we recommend that you review this Online Privacy Policy, updated and posted on this Site, regularly for changes. The Effective Date of this Online Privacy Policy, as stated above, indicates the last time this Online Privacy Policy was revised or materially changed.