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Privacy Policy

Privacy Policy(Rev. 133C579)1   /  7 State of Missouri Rev. 133C579 PRIVACY POLICY Worth Clark Realty Version Date: May 16th, 2017 GENERAL Worth Clark Realty (“Company” or “we” or “us” or “our”) respects the privacy of its users (“user” or “you”) that use our website located  at, including other media forms,media channels, mobile website or  mobile application related or connected thereto (collectively, the “Website”). The following Company privacy policy (“Privacy Policy”) is designed to inform you, as a user of the Website,  about the types of  information that  Company  may gather about or collect from you in connection with your use of the Website. It  also  is intended to explain the  conditions under  which Company uses and discloses that information, and your rights in relation to that information. Changes to this Privacy Policy are discussed at the end of this document. Each time you use the Website, however, the current version of  this Privacy Policy will  apply. Accordingly, each time you  use  the Website  you should check the date of this Privacy Policy (which appears at the beginning of this document) and review any changes since the last time you used the Website. The Website is hosted in the United States of America and is subject to U.S. state and federal law. If   you are accessing our Website from other  jurisdictions,  please be  advised  that  you  are transferring your personal information to  us  in the United States, and by using our Website, you consent  to that  transfer and use of your personal information in accordance with this Privacy Policy. You also agree to abide by the applicable laws of applicable states and U.S. federal law concerning your use of the Website and your agreements with us.  Any persons accessing our  Website from any jurisdiction with laws or regulations governing the use  of  the Internet, including personal  data collection, use and disclosure, different from those of  the  jurisdictions mentioned above may only use the Website  in a manner lawful in their jurisdiction. If    your  use of the Website would  be unlawful in  your jurisdiction, please do not use  the Website. BY USING OR ACCESSING THE WEBSITE, YOU ARE ACCEPTING THE PRACTICES DESCRIBED IN THIS PRIVACY POLICY.GATHERING, USE AND DISCLOSURE OF NON-PERSONALLY-IDENTIFYING INFORMATION Users of the Website Generally“Non-Personally-Identifying Information” is information that, without the aid of additional information, cannot be directly  associated with a   specific person. “Personally-Identifying Information,” by  contrast, is information such as a   name or email address that, without more, can be directly associated with a   specific person. Like  most website operators, Company gathers from users of  the Website Non-Personally-Identifying Information of  the sort that  Web browsers,  depending on their settings, may make  available. That information includes  the user’s Internet Protocol (IP) address, operating system,  browser type and the locations of the websites the user views right before arriving at, while navigating and immediately after leaving the Website. Although such information is not Personally-Identifying Information, it    may be possible for Company to  determine from an IP address a user’s Internet service provider and  the

Privacy Policy(Rev. 133C579)2   /  7 geographic location of the visitor’s point of connectivity as well as other statistical usage data. Company analyzes Non-Personally-Identifying Information gathered from users of the Website  to  help Company better understand how the Website is    being used. By identifying patterns and trends in usage, Company is able to better design the Website to improve users’ experiences, both in terms of content and ease of use. From  time to  time, Company may also release the Non-Personally-Identifying Information  gathered from Website users in the aggregate, such as by  publishing  a    report  on  trends  in the usage of the Website. Web Cookies A “Web Cookie” is    a string of information which assigns you a   unique identification that a website stores on a user’s computer, and that the user’s browser provides to the website each time the user submits a query to the website. We use cookies on the Website to keep track of services you have used, to record registration information  regarding your login name and password, to record your user preferences, to keep you logged into  the Website and to facilitate purchase procedures.  Company also uses Web Cookies to track the pages that users visit during each Website session, both to help Company improve users’ experiences and to help Company understand how the Website is    being used. As with other Non-Personally-Identifying Information gathered from users of the Website, Company analyzes and discloses in aggregated  form information gathered  using  Web Cookies, so as to help Company,  its partners and others better understand  how the Website is    being  used. COMPANY  USERS WHO DO NOT WISH TO HAVE WEB COOKIES PLACED  ON THEIR COMPUTERS  SHOULD SET THEIR BROWSERS TO REFUSE WEB COOKIES BEFORE ACCESSING THE WEBSITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THE WEBSITE MAY NOT FUNCTION PROPERLY  WITHOUT THE AID OF WEB COOKIES. WEBSITE  USERS WHO REFUSE WEB COOKIES ASSUME  ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.Web Beacons A “Web Beacon” is    an object that is    embedded in    a   web page or email that is usually invisible to the user and allows website operators to check whether a    user  has viewed a  particular web page or an email. Company may use Web Beacons on the Website and in    emails to count users who have visited particular pages, viewed emails and  to deliver  co-branded services.  Web Beacons  are not used to access users’ Personally-Identifying Information. They are a technique Company may use  to compile  aggregated statistics about Website usage. Web Beacons collect only a   limited set of information, including a   Web Cookie number, time and date of a   page or email view and a   description of the page or email on which the Web Beacon resides. You may not decline Web Beacons. However, they can be rendered ineffective by declining all Web Cookies or modifying your browser setting to notify you each time a   Web Cookie is tendered, permitting you to accept or decline Web Cookies on an individual basis. Analytics We may  use third-party vendors, including  Google,  who use  first-party  cookies  (such as the Google Analytics cookie) and third-party cookies  (such as  the DoubleClick cookie) together to inform, optimize and serve ads based  on your past activity on the Website, including  Google Analytics  for  Display Advertising. The information collected may be used to, among other things,  analyze  and track data, determine the popularity of certain content and better understand online  activity. If  you  do not want any information to be collected and used by Google Analytics, you can install an opt-out in    your web browser( and/or opt out from Google Analytics for  Display Advertising or the Google Display Network by using Google’s Ads Settings (

Privacy Policy(Rev. 133C579)3   /  7 Aggregated and Non-Personally-Identifying Information We may share aggregated and Non-Personally Identifying Information we collect under any of the above circumstances. We may also share it   with third parties and our affiliate companies to develop and deliver targeted advertising on the Website  and on websites of third parties.  We may combine Non-Personally Identifying Information we collect  with  additional Non-Personally Identifying Information  collected  from other sources. We also may share aggregated  information with  third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the  number of  visitors to  the Website and the most  popular features  or services accessed. This information  does not contain any Personally-Identifying Information and may be used  to develop website content and services that we hope you and other users will find of interest and to target content and advertising. SOCIAL MEDIA We may use hyperlinks on the Website which will  redirect you to a  social network if   you  click on the respective link. However, when you click on a   social plug-in, such as Facebook’s “Like” button, Twitter’s “tweet” button  or the Google+, that particular  social  network’s plugin will be  activated  and your browser will directly connect to that provider’s servers. If   you do not use these buttons, none of your data will be sent to the respective social network’s plugin provider. So for example, when you click on the Facebook’s “Like” button on the Website,  Facebook will receive  your IP address, the browser version  and screen resolution, and the operating system of the device you have used to access the Website. Settings regarding privacy protection can be found on the websites of these social networks and are not within our control.COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION Website Registration As defined above, Personally-Identifying Information is    information that can be directly associated with a specific person. Company may  collect a    range  of Personally-Identifying Information from and about Website users. Much  of  the Personally-Identifying Information  collected by Company about  users is information provided by  users themselves when (1) registering for our service, (2)  logging  in with social network credentials,  (3) participating in polls, contests, surveys or other features  of our service, or responding to offers  or advertisements, (4) communicating with us, (5)  creating a    public profile or (6) signing up to receive newsletters. That information may include each  user’s name, address, email address and telephone number, and, if   you transact business with us, financial information such as your payment method (valid credit card number, type, expiration date or other financial information). We also may request information about your interests  and activities,  your gender,  age,  date of birth, username, hometown and other demographic or relevant information as determined by Company from time to time.Users of the Website are under no obligation to provide Company with Personally-Identifying Information of any kind, with the caveat that a   user’s refusal to do so may prevent the user from using certain Websitefeatures.BYREGISTERING WITH   OR USING THE WEBSITE, YOU CONSENT TO THE USE   AND DISCLOSURE OF  YOUR PERSONALLY-IDENTIFYING INFORMATION AS DESCRIBED IN THIS “COLLECTION, USE AND DISCLOSURE OF PERSONALLY-IDENTIFYING INFORMATION” SECTION.

Privacy Policy(Rev. 133C579)4   /  7 Company Communications We may occasionally use your name and email address to send you notifications regarding new services offered by the Website that we think you may find valuable. We may also send you service-related announcements from time  to time through the general  operation of the service. Generally,  you may opt out of such emails at the time of registration or through your account settings, though we reserve the right to send you notices about your account, such as service announcements and administrative messages,even if   you opt out of all voluntary email notifications.Company Disclosures Company will disclose Personally-Identifying Information under the following circumstances:•     By  Law or to Protect  Rights.When we  believe disclosure is appropriate, we  may disclose Personally-Identifying Information  in  connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing;  to protect and defend the rights, property  or safety  of Company, our users, our employees  or others; to comply with applicable law or cooperate with law enforcement; to enforce our Terms of Use or other agreements or policies, in    response to a   subpoena or similar investigative demand, a   court order or a request for cooperation from a   law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.•    Marketing Communications. Unless users opt-out from receiving Company marketing materials upon registration, Company may email users about products and services that Company believes may be of interest to them. If   you wish to opt-out of receiving marketing materials from Company, you may do so  by following the unsubscribe link  in  the  email communications,  by  going to your account settings (if applicable) or contacting us using the contact information below.•     Third-Party Service Providers.We may share your Personally-Identifying  Information, which may include  your  name and  contact information (including email address) with our authorized service providers that perform certain services on our behalf. These services may include fulfilling orders, providing customer service and  marketing  assistance,  performing business and sales analysis, supporting  the Website’s  functionality and supporting contests, sweepstakes, surveys and other features  offered through the Website. We may also share  your name, contact information and credit card information with our authorized service providers who process credit card payments. These service  providers may have access  to personal information needed  to perform their  functions  but are  not permitted  to  share  or use  such information for any other purpose.•     Business Transfers; Bankruptcy.Company reserves the right to transfer all Personally-Identifying Information  in its possession  to a    successor organization  in  the event  of a  merger, acquisition, bankruptcy or  other sale of all or a   portion  of Company’s assets.  Other than  to the extent ordered  by a bankruptcy or other court, the use and disclosure of all  transferred Personally-Identifying Information will be subject to this Privacy Policy, or to a new privacy policy if you are given notice of that new privacy policy and are given an opportunity to affirmatively opt-out of  it. Personally-Identifying Information submitted or collected after  a  transfer, however, may be subject to a new privacy policy adopted by the successor organization.

Privacy Policy(Rev. 133C579)5   /  7 Changing Personally-Identifying Information; Account Termination You may  at any  time review  or change your Personally-Identifying Information by going to  your  account settings (if  applicable)  or contacting us using the contact information below.  Upon  your  request, we will deactivate or  delete your account and contact information from our active databases. Such information will be deactivated or deleted as soon as practicable based on your account activity and accordance with our deactivation policy and applicable law.  To make this  request, either  go  to  your account settings (if applicable) or contact us as provided  below. We will retain  in our files some Personally-Identifying Information to prevent  fraud, to troubleshoot problems, to assist with any investigations, to enforce our Terms of Use and to  comply with legal requirements as is permitted by law.  Therefore, you should not expect that all your Personally-Identifying Information will be completely removed from our databases in response to your  requests.  Additionally, we  keep  a  history  of  changed  information  to  investigate suspected fraud with your account.General Use Company uses the Personally-Identifying Information in the file  we maintain about  you, and other information we obtain from your current and past activities on the Website (1) to deliver the products and services that you have requested; (2) to manage your account and provide you with customer support; (3)to communicate with you by email, postal mail,  telephone  and/or mobile devices about  products or services that may be of interest to you either from us, our affiliate companies or other third parties; (4) to develop and display content and advertising tailored to your interests on the Website and other sites; (5)to resolve disputes and  troubleshoot problems;  (6) to measure consumer interest in our services; (7)  to inform you of updates; (8) to customize your experience; (9) to detect and protect us against error, fraud and other criminal activity; (10) to enforce our Terms of Use; and (11) to do as otherwise described to you at the time of collection. At times, we may look across multiple users to identify problems. In particular, we may examine your Personally-Identifying Information to identify users using multiple user IDs or aliases. We may compare  and  review  your Personally-Identifying Information for accuracy  and to detect errors and omissions. We may use financial  information or payment  method to process payment for  any purchases made on the Website,  enroll  you in  the discount, rebate, and other programs in which  you elect to participate, to protect against or identify possible fraudulent transactions and otherwise as needed to manage our business.COLLECTION AND USE OF INFORMATION BY THIRD PARTIES GENERALLY Company contractually   prohibits its contractors, affiliates,   vendors   and   suppliers   from disclosing Personally-Identifying Information received from Company, other than in accordance  with this PrivacyPolicy. However,  third parties are under no obligation to  comply with this  Privacy Policy with respect to Personally-Identifying Information that  users  provide  directly to those third parties, or that  those third parties collect for  themselves. These third parties include advertisers, providers  of games, utilities, widgets and a   variety of other third-party applications accessible through the Website. Company neither owns nor controls the third-party  websites  and applications accessible through the Website. Thus, this Privacy Policy  does not apply to information provided to or gathered by  the third parties  that operate them. Before visiting a  third party,  or using a   third-party application,  whether by means  of  a  link on  the Website, directly through the Website or otherwise,  and before providing  any Personally-Identifying Information to any such third party, users should inform themselves of the privacy policies and practices(if any)  of the  third  party responsible for  that website  or  application, and should  take those steps necessary to, in    those users’ discretion, protect their privacy.

Privacy Policy(Rev. 133C579)6   /  7 SECURITY We take the security of your Personally-Identifying Information  seriously and use  reasonable electronic,personnel and physical measures to protect it   from loss, theft, alteration or misuse.  However, please be advised that even  the best security measures  cannot fully eliminate all risks. We cannot guarantee that only authorized persons will view your information. We are not responsible for third-party circumvention of any privacy settings or security measures. We are dedicated to protect all information on the Website as is necessary. However, you are responsible for maintaining the  confidentiality of  your Personally-Identifying Information  by keeping your password confidential. You should change your password immediately if you  believe someone has  gained unauthorized access to it    or your account. If  you lose control  of your account, you should notify us immediately.PRIVACY POLICY CHANGES Company may, in    its sole discretion, change this Privacy Policy from time to time. Any and all changes to Company’s Privacy Policy  will be reflected on this page and the  date new versions  are posted will be stated at the top of this Privacy Policy. Unless stated otherwise, our current Privacy Policy applies to all information that we  have about you and your account.  Users should regularly check  this  page for any changes to this  Privacy  Policy. Company will  always post  new versions of the Privacy Policy  on the Website. However, Company may, as  determined in its  discretion, decide to notify users of changes made to this Privacy Policy via email or otherwise. Accordingly, it   is important that users always maintain and update their contact information.CHILDREN The Children’s Online Privacy Protection Act (“COPPA”) protects the online privacy of children under 13years of age.  We do not  knowingly collect or maintain  Personally-Identifying  Information  from anyone under the age  of 13, unless  or except  as permitted by law. Any  person  who provides  Personally-Identifying Information through the Website represents to us that he or she is 13 years of age or older. If we learn that Personally-Identifying Information has been collected from a   user under 13 years of age on or through the Website, then we will take the appropriate steps to cause this information to be deleted. If you are the parent or legal guardian of a child under 13 who has become a member of the Website or has otherwise transferred Personally-Identifying Information to the Website, please  contact Company using our contact information below to have that child’s account terminated and information deleted.CALIFORNIA PRIVACY RIGHTS California Civil Code Section 1798.83, also known as the “Shine The  Light” law,  permits  our users who are California residents to request and obtain from us, once a   year and free of charge, information about the Personally-Identifying Information (if any) we disclosed to third parties for direct marketing purposes in the preceding  calendar year. If   applicable, this information would  include a   list  of the categories of the Personally-Identifying Information that was shared and the names and addresses of all third parties with which we shared Personally-Identifying Information in    the immediately preceding calendar year. If   you are a California resident and would like to make such a   request, please submit your request in writing to our privacy officer as listed below.

Privacy Policy(Rev. 133C579)7   /  7DO-NOT-TRACK POLICY Most web browsers and some mobile  operating systems include a    Do-Not-Track (“DNT”) feature or setting you  can activate to signal your privacy preference not to have data about  your online browsing activities monitored and collected. The Website does currently respond to DNT browser signals or mechanisms.CONTACT If   you have any questions regarding our Privacy Policy, please contact our Privacy Officer at: Worth Clark Realty Attn: Privacy Officer 136 S. Main St 2nd Floor, St. Charles, MO 63301 Email: Phone: (800) 991-6092

Privacy Policy(Rev. 133C579)GENERAL INSTRUCTION WHAT IS A  PRIVACY POLICY?A  Privacy Policy is    a document or statement that describes how a    company gathers,    uses, manages, and releases the information of customers or visitors to its website. By accessing the company’s website,  users accept to have  to having their  information collected and disclosed in accordance with the company’s Privacy Policy.WHAT SHOULD BE INCLUDED?A    simple Privacy  Policy  will identify  the following basic elements:•    Company: The name of  the company that owns the   website collecting information from its users. • Website: The    URL    address of the company’s website that the user  will be browsing and accessing. •    User’s Information: A description of the type of information that the website collects and discloses.•     Collection, Use, and Disclosure: What information the company  will  collect  ,   how they will collect and use the  information, and when and to  whom they will disclose the information. WHEN IS IT NEEDED? While there is    no federal law in the United States requiring that websites establish a   Privacy Policy, many states  and most  other countries do require a website that  collects and stores any personal information from its users to have one.In the United States, the Federal Trade Commission (FTC) regulates laws  and policies regarding the privacy practices of businesses and the protection of   their customers’ personal information. The FTC also   helps to enforce federal laws concerning the privacy of customers’ information, including the following:•    Fair Credit Reporting Act (FCRA),  which limits how companies can obtain and use a customer’s credit and background reports.•     Gramm-Leach-Bliley   Act, which requires financial institutions to clearly explain their information sharing practices and also restricts the sharing  and  use of  specific financial information.•   Health Insurance Portability and Accountability Act (HIPAA) created a “Privacy Rule”  that establishes a national set of standards of how health care service providers can use an individual’s protected health information.•   Children’s Online Privacy Protection Act(COPPA), requires websites   that   target and/or collect   information from children under the age of 13 to post a   Privacy Policy that complies with the COPPA requirements, and also implements certain parental notice and consent requirements.Even if your company or website is not in a jurisdiction that  requires a privacy policy, the reach of your website may subject it   to the laws of other states and   countries. For example,California, has enacted the California Online Privacy Protection Act of 2003 (CALOPPA) which requires any website collecting personal information to have a Privacy Policy posted on its website that is easily accessible to  its users. Even if    your website is not run from California,CALOPPA applies to  any website that collects personal information from a    California resident. Therefore it    is  likely  that your website will  be subject to the CALOPPA regulations. The European Union has more established laws regarding privacy  protection, including  the Data Protection Directive (95/46/EC) and the E-Privacy Directive (2002/58/EC).  These directives  state that personal information   of European Union residents can only be transferred to countries outside of the European Union that have policies with an adequate level of protection.Therefore, if you are  a  website that gathers, stores, or  uses personal information and data from clients and users, you should have a   Privacy Policy for your  website. You also need to make sure that you   adhere to   the promises   and disclosures set forth in    that policy.OTHER NAMES A   Privacy Policy may also be called:Privacy Statement,    Internet Privacy Policy, Website Privacy Policy,  Privacy Notice, Privacy Page, Privacy Information Policy