We respect your privacy and value the trust you place in us when you share your
personal information with us. The way we may use your personal information is
discussed in our official privacy notice. Having said that, we know you might have
some additional questions about privacy on the Web.
First, we'll talk about privacy as it relates to using this website. Then, we'll
cover the broader privacy issues concerning a mutual fund shareholder's relationship
with our company as a whole. If you want to skip the Web-related privacy issues, you
can jump ahead and read our official Mutual Fund Privacy Notice.
Web-Related Privacy Issues
How we use information provided on the Web
Your email address. We collect your email address when you register for account access on our website. If we need to contact you about a website-related issue, your email address lets us do that quickly. If you
sign up for electronic delivery of documents, we'll need your email address for
that, too. Both of these services require that you maintain an updated email address
with us.
Even if you're not registered for account access, we may need to ask for your email
address. For instance, if you ask for a referral to a financial advisor or subscribe
to our email newsletter, we'll need your email address to respond to your requests.
We won't send emails you haven't asked for unless there's a good reason. If you don't want
to receive these emails, use the opt-out link at the bottom of the email.
Survey information. Occasionally we may ask you to
participate in a brief survey to help us make smart choices as we look for ways to
improve the site. If you choose to participate, information you provide won't be
identified with you personally.
Personal data entered in calculators. When you use calculators
and planning tools on the site, you may need to enter information such as your age or even
certain dollar amounts like how much you save each month.
We don't collect or store this kind of information. It's only used to perform the
calculation you're asking for.
Our Mutual Fund Privacy Notice
Your Privacy Is Our Priority
Franklin Templeton Investments is committed to safeguarding information provided to us by individual
shareholders of our U.S.-based Franklin, Templeton and Mutual Series Funds. This notice is designed
to provide you with a summary of the non-public personal information we may collect and maintain
about current or former investors; our policy regarding the use of that information; and the measures
we take to safeguard the information. The Franklin, Templeton and Mutual Series Funds, Franklin/
Templeton Distributors, Inc., Templeton/Franklin Investment Services, Inc., and Franklin Templeton
Bank & Trust ("FTB&T"), trustee for retirement plans, (together referred to as "we," "our" and "us"
throughout this notice) do not sell non-public personal information to anyone and only share it as
described in this notice.
Information We Collect
When you invest in our Franklin, Templeton and Mutual Series Funds or establish a retirement plan
with FTB&T as trustee, you provide us with your non-public personal information. We collect and
use this information to service your accounts and respond to your requests. The non-public personal
information we collect falls into the following categories:
- Information we receive from you on applications or other forms, whether we receive the form
in writing or electronically. For example, this information includes your name, address, tax
identification number, birth date, investment selection, beneficiary information, and possibly
your personal bank account information and/or email address if you are signing up for certain
account options.
- Information about your transactions and account history with us, or with other companies that
are part of Franklin Templeton Investments, including transactions you request on our website.
This category also includes your communications to us concerning your investments.
- Other general information that we may obtain about you such as demographic information.
Disclosure Policy
To better service your accounts and process transactions or services you've requested, we may share
non-public personal information with other Franklin Templeton Investments' companies. From time to
time we may also send you information about products/services offered by other Franklin Templeton
Investments' companies although we will not share your non-public personal information with these
companies without first offering you the opportunity to prevent that sharing.
We will only share non-public personal information with outside parties in the limited circumstances
permitted by law. For example, this includes situations where we need to share information with
companies who work on our behalf to service or maintain your account or process transactions
you've requested, when the disclosure is to a party representing you, or when required by law (for
example, in response to legal process). Additionally, we will ensure that any outside companies working
on our behalf, or with whom we have joint marketing agreements, are under contractual obligations to
protect the confidentiality of your information, and to use it only to provide the services we've asked
them to perform.
Confidentiality and Security
Our employees are required to follow procedures with respect to maintaining the confidentiality of our
investors' non-public personal information. Additionally, we maintain physical, electronic and procedural
safeguards to protect the information. This includes performing ongoing evaluations of our systems
containing investor information and making changes when appropriate.
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