We monitor access to this website and collect certain information regarding such access for statistical and security purposes. Use of this website constitutes consent to such monitoring. If our monitoring reveals possible evidence of criminal activity, we may provide such evidence to law enforcement officials.
The content provided on this website may be used for informational, educational, and research purposes only.
Some of the content on this website may be copyrighted. Permission to use such copyrighted material must be obtained from the owner and cannot be obtained from us.
We do not permit the use of our name in any advertising, as an endorsement for any product or service, or for any other commercial purpose.
Unauthorized attempts to upload or change any of the content on this website, to defeat or circumvent its security measures, or to use this website other than for its intended purposes are prohibited.
We may provide links to external websites as an additional resource for users. Other websites may also link to this one. All such external websites are not on servers that we maintain, nor are they under our control. External websites may contain content that is protected under copyright or other laws with restrictions on its use. We make no warranty, express or implied, regarding, nor do we assume any liability or responsibility for, any content that is available on or through any other website. Neither our inclusion of a link to an external website nor another website’s inclusion of a link to this website implies our sponsorship, endorsement, recommendation, or approval of such other website, the entity or organization managing it, any views expressed on it, or any products or services offered on or through it.
We take reasonable measures to ensure the reliability and quality of the information, materials, and other content that we produce or make available on or through this website. We may, without notice and from time to time, revise the content available on this website; however, we make no commitment to do so. We assume no liability or responsibility for the accuracy, correctness, completeness, or timeliness of any content available on or through this website, nor do we represent that the use of such content will not infringe privately held rights. All content available on or through this website is provided on an “as is,” “as available” basis. We are not responsible for misprints, errors, omissions, or denial of service or access. By using this website, you assume the risk that its content may be inaccurate, incorrect, incomplete, out-of-date, unsatisfactory for your purposes, or infringing.
We assume no liability or responsibility for any loss, injury, or damage of any kind resulting in any manner from the content of this website, including any computer virus, malicious code, or system malfunction.
The views expressed in Federal Reserve Bank of Philadelphia publications and working papers are those of the authors. They do not necessarily represent the position of the Federal Reserve Bank of Philadelphia or the Federal Reserve System. Any conclusions that you draw from the content available on or through this website, regardless of whether you received any assistance from us or our employees, are your own and are not to be attributed to the Federal Reserve Bank of Philadelphia.
We are committed to making every page on this website accessible to the widest possible audience, including people with visual disabilities using screen-reading software.
Logos created by the Federal Reserve Bank of Philadelphia are our property and may not be used without permission. FedMail®, FedLine®, and Fedwire® are registered trademarks of the Federal Reserve Banks. Other product and company names mentioned on this site may be the trademarks of their respective owners.
This website site is controlled and operated by the Federal Reserve Bank of Philadelphia from its offices in the United States of America. By accessing this website, you agree that these terms will be construed and applied in accordance with United States law. If you use this site from a foreign location, you are responsible for compliance with any and all applicable local laws.
Except as otherwise stated in this policy, you may visit this website without providing any personal information. However, you may choose to provide us with personal information if, e.g., you subscribe to one of our publications, send us questions through e-mail, answer a user survey, register for an event, apply for a job, or participate in one of our online activities. Any personal information you provide voluntarily through this website may be used to help us better tailor our website, publications, and services to our users’ needs.
This website makes limited use of permanent cookies. We use permanent cookies to track user traffic patterns or in connection with user research (such as to administer a user survey in which no one is invited to participate more than once); this will better enable us to provide you with easy-to-use, high-quality content. This kind of cookie does not record any other information about you, nor can it be used to gather or correlate information about your activities elsewhere on the World-Wide Web. You can disable your browser’s permanent cookies if you wish to prohibit the placing of the cookie.
This website collects and aggregates statistical information about users by performing analyses on the web server’s log files. We use this statistical information to determine, among other things:
Such analyses do not involve personal information. We do not correlate this data with personal information about you. This statistical information, in aggregate form, and without personally identifying you, may be shared with other Federal Reserve Banks or the Board of Governors of the Federal Reserve.
Generally, any information collected through this website, whether individual or aggregate, is for Federal Reserve System use only. We do not rent, sell, or share personal information about you with other people or nonaffiliated companies except when we have your permission or under the following circumstances:
If you participate in a user survey, your answers and personal information will be analyzed only in the aggregate. The survey may ask whether you are interested in participating in an on-site web usability test in the future. If interested, we will ask for your contact information.
If you provide us with your postal or e-mail address, or telephone or fax number, this information will be used only for the purpose for which you provided it, such as to:
When you fill out our online forms, the information will be delivered to a Federal Reserve Bank e-mail address or database. Your online communications are not encrypted. We cannot guarantee the security of any information sent electronically, whether submitted by online form or e-mail.
If you submit credit card information to register for an event online, that information is forwarded to a Verisign-verified merchant committed to providing customers with the highest level of transaction processing security.
If you register for an event online, we may hold on to your registration information for the purpose of contacting you in the future about similar events. If you do not want us to keep your registration information, you must tell us so.
The safeguarding of personal information is important to us. While we endeavor to maintain the security of personal information in our possession, we cannot guarantee such security. We are not responsible for the security of personal information or any other information provided by you while it is being transmitted to our website, through e-mail, or otherwise. Nor are we responsible for what a third party does with any information provided by you.
If you have voluntarily submitted personal information to us and wish to review, update, correct, or delete it, please e-mail your request to: email@example.com. Please provide the name of the publication to which you subscribe and whether it is a print or electronic publication.
This website is not directed to children under the age of 13, nor do we knowingly collect, maintain, or use personal information obtained through this website about children under the age of 13. If a child whom we know to be under the age of 13 sends personal information to us online, we will only use that information to respond directly to the child, notify the parents, or seek parental consent.