The information we receive about you when you visit the Saint James Web site depends on what you do when you visit our site.

We use the information we collect when you log on and visit different sections of our site to help make the content, layout and design of our site more meaningful for you. Additionally, cookies or other specifically identifying information may be transmitted and used when you access secure portions of our web site; this is necessary anytime information is transmitted over a secured server. We never transmit or use third-party cookies; all cookies originate from the St. James web host, the St. James secured host, or from sites associated with St. James and under the supervision and control of the St. James webmaster. WE NEVER USE COOKIES THAT CAN TRACK YOUR ACTIVITY OUTSIDE OF THIS WEBSITE.

If you communicate with us by e-mail, we collect your e-mail address and any other information you volunteer. This information is collected solely for purposes of responding to your email, acting upon any request or considering any information that you have provided in the email. We do not sell, rent, or relinquish names, e-mail addresses, or any other personally identifiable information that we obtain from your visit to this Web site to anyone.

Please note that, due to the nature of the Internet, any information that you send electronically may be intercepted and viewed by other parties. For your protection, we suggest that you do NOT communicate sensitive information via e-mail.

SPECIAL NOTICE ABOUT E-MAILS, SPAM, AND VIRUSES — PLEASE READ!

The transmission of spam and viruses via e-mail is a daily occurrence. So, too, is the transmission of fraudulent e-mails using a tactic known a "phishing." The term "phishing," pronounced "fishing," is used for an especially deceiving type of fraud. In these cases, criminals transmit e-mails to you that appears to be from respected businesses or people; such as your bank, a credit agency, internet service provider, etc. These e-mails have a "from" address that appears to be legitimate and the body of the e-mail my include logos or other information that makes the e-mail appear to be from the "from" address in the e-mail header. E-mail addresses can be easily mimicked with the sender's true identity hidden. These e-mails may ask you to provide bank account information, PIN information, or other information that allows the sender to steal your identity. NEVER provide any information confidential by clicking on any link included in an e-mail or by replying to or forwarding an e-mail.