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Disclosure

The information contained in this site is published for clients of R & D Financial Services, Inc. as well as friends, other business associates and prospective clients in general. Our goal is to present investment, insurance and general life style information. When we prepare the information at this web site, we endeavor to ensure that all information is current, accurate and conforms to all applicable legislation.

Any commentary, advice, recommendations are written to be in compliance with the security and insurance laws of the State of Michigan for residents in the State of Michigan. Other states my be applicable as the employees of R & D Financial Services, Inc. may be registered in additional states.

Employees of R & D Financial Services Inc. are licensed general security representatives of Sigma Financial Corp, a FINRA member broker dealer and SIPC Inc. www.sigmafinancial.com

This information is not intended to be utilized as specific investment or insurance recommendations . Any information contained in these sections SHOULD NOT BE ACTED UPON WITHOUT a detailed review of your specific situation by a licensed securities broker and/or insurance agent. Please consult your professional advisor or a R & D Financial Services, Inc. representative at (800) 878-4036 before acting on any information or suggestions contained herein.

Privacy Statement

Revised and posted as of:  March 29, 2009 

R & D Financial Services Inc. is committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of the R & D Financial Services Inc. Web site. The R & D Financial Services Inc. Web site is owned and operated by R & D Financial Services Inc.

If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at dwinke@winke.com

Gathering of Information 

Voluntary Submission 

R & D Financial Services Inc. does not collect personally identifying information about any individual R & D Financial Services Inc. Web site user except when knowingly provided by such individual. For example, we may ask you for information when you register for a contest or survey or to receive a newsletter. You always have the option not to provide the information we request. If you choose not to provide the information we request, you can still visit most of the R & D Financial Services Inc. Web site, but you may be unable to access certain options and services. 

Cookies 

A cookie is a data file that certain Web sites write to your computer's hard drive when you visit such sites. A cookie file can contain information, such as a user identification code, that the site uses to track the pages you have visited. R & D Financial Services Inc. DOES NOT USE COOKIES. 

Please note sites linked to this web site may utilize cookies, these cookies are related specifically to those sites and are not collected by or pass through this web site.

Most Web site browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. 

Browser Level Information 

R & D Financial Services Inc. Web servers automatically collect information about a site user's IP address, browser type and referrer by reading this information from the user's browser (information provided by every user's browser). This information is collected in a log and used--in an aggregated, anonymous manner--in our internal analysis of traffic patterns within our Web site. This information is automatically logged by most Web sites. 

Electronic Mail

When you send us personal identifying information via e-mail (that is, in a message containing a question or comment, or by filling out a form that e-mails us this information, R & D Financial Services Inc. use it to respond to your requests.  We do not retain or distribute lists of e-mail addresses to any parties out side of R & D Financial Services, Inc. or its affiliated companies.

Use of Information 

Our primary goal in collecting user information is to enhance your experience on our Web site. We achieve this goal by, among other things, providing interactive communications such as our electronic newsletters to the e-mail address that you provide to us, and developing future editorial content based on your interests. To develop content targeted to your interests, we use aggregated user information to determine which areas of our Web site users prefer based upon traffic to those areas. We do not track what individual users read, but instead how well each page or content area performs overall. 

R & D Financial Services Inc. is a free Web site. We do not disclose personally identifying information about our users to any other site or business entity not affiliated with R & D Financial Services Inc.

R & D Financial Services Inc. may also disclose information about our users when we believe, in good faith, that the disclosure is required by law or in the event of a suspected attempt to deliberately bypass our server's security with the intent to gain unauthorized access or to do physical damage.  System security will upon the detection of an attempted intrusion attempt to specifically identify the individual computer system utilized in the unauthorized access.

When you are on an area of R & D Financial Services Inc. and are asked for personal information, you are sharing that information with R & D Financial Services Inc.  If you do not want your information to be shared, you can choose not to  allow the transfer of your information by not using that particular service. 

Please be aware that R & D Financial Services Inc. sponsors, advertisers or Web sites that have links on our site may collect personally identifiable information about you. The information practices of those parties and Web sites linked to R & D Financial Services Inc. are not covered by this privacy statement. R & D Financial Services Inc. users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others. 

Kids under 13: Do not send any information about yourself to us--including information such as your name, address, or e-mail address. We do not knowingly collect personally identifiable information from children under 13. In the event that we learn we have collected any personal information from a child under the age of 13 without verification of parental consent, we will delete that information from our database as quickly as possible. 

How to Contact Us 

If you have any questions regarding our privacy statement, please feel free to contact us by e-mail at Derrick.winke@winke.com

This statement may change from time to time, so please check back periodically. 

DEFINITIONS:

IP address:
Every computer connected to the Internet has a numeric address called an IP address." This may or may not correspond uniquely to a particular computer. In some cases, IP addresses can be resolved to domain names, which may indicate a site visitor's Internet service provider, employer, university, etc. As part of its database analysis R & D Financial Services Inc. resolves IP addresses to domain names. 

Browser type:
A users browser is a software program running on a computer that allows users to access documents on the World Wide Web. Browsers can be either text or graphic. They read HTML coded pages that reside on a server and interpret the coding into what the user sees as Web pages. Netscape Navigator and Microsoft Internet Explorer are examples of Web browsers. Browser type typically discloses hardware platform, operating system, and browser software and version. 

Referrer:
The referrer is the URI of the Internet resource or page that causes a browser to request a page or image from R & D Financial Services Inc. servers. 

NIC:

Network Interface Card

MAC:
Media Access Control -  a.k.a. hardware or node address; the last 6 digits are, in effect, the NIC's "serial number". Each NIC has a unique serial number.  R & D Financial Services Inc. security systems will attempt to gather this information during an attempted security breach.

Securities offered through Sigma Financial Corporation. A registered broker/dealer. Member FINRA & SIPC.

Planning Services offered through Sigma Planning Corporation, a registered investment advisor.

Any information contained on this site does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser licensed in your state.

We do not offer legal advice. All information provided on this website is for informational purposes only and is not a substitute for proper legal advice. If you have legal questions, we recommend that you seek the advice of legal professionals.

IRS Circular 230 Disclaimer: To ensure compliance with IRS Circular 230, any U.S. federal tax advice provided in this communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (i) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer under the Internal Revenue Code, or (ii) in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction addressed herein.

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Copyright © 2009 R & D Financial Services Inc. 2701 Troy Center Drive, STE 255, Troy Michigan 48084
Last modified: 10/30/09