<?xml version="1.0" encoding="UTF-8"?>
<biz/policies>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">492</grouping-id>
    <id type="integer">2484</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;h2 style="border-right: medium none; padding-right: 0in; border-top: medium none; padding-left: 0in; padding-bottom: 1pt; border-left: medium none; padding-top: 0in; border-bottom: windowtext 1pt solid; mso-element: para-border-div; mso-border-bottom-alt: solid windowtext .5pt;"&gt;&lt;span style="font-size: 14pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"&gt;West Volusia Association of &lt;/span&gt;&lt;span style="font-size: 14pt; line-height: 115%; mso-bidi-font-family: Arial;"&gt;REALTORS&amp;reg;&lt;/span&gt;&lt;span style="font-size: 14pt; line-height: 115%; mso-bidi-font-size: 11.0pt;"&gt; &lt;br /&gt;Privacy and Security Policy&lt;/span&gt;&lt;/h2&gt;
&lt;p class="MsoNormal" style="margin: 0in 0in 12pt; mso-line-height-alt: 9.65pt;"&gt;&lt;span style="color: #000000; mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;We recognize the importance of protecting the personal information you provide at the Association office or at Web sites owned and/or controlled by the West Volusia Association of REALTORS&amp;reg; (WVAR).&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;We maintain the following privacy policy:&lt;br /&gt;&lt;br /&gt;1. We may gather the following types of information needed to process your transactions, fulfill your requests, and maintain our membership records: &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;div style="border-right: medium none; padding-right: 0in; border-top: medium none; padding-left: 0in; padding-bottom: 1pt; border-left: medium none; padding-top: 0in; border-bottom: windowtext 1pt solid; mso-element: para-border-div; mso-border-bottom-alt: solid windowtext .5pt;"&gt;
&lt;ul type="disc"&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Contact information you provide (for example, your personal and business addresses, phone and fax numbers, firm affiliations and titles). &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Tracking information which our Web server automatically recognizes each time you visit one of our sites or communicate with us by e-mail (for example, your domain name, your e-mail address, and what pages you visit); and &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l0 level1 lfo1; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Information you volunteer, via applications or surveys (for example, education, designations, specialties, affiliations with other real estate organizations and general demographic data).&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;/div&gt;
&lt;p class="MsoNormal" style="margin: 0in 0in 12pt; mso-line-height-alt: 9.65pt;"&gt;&lt;span style="color: #000000; mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;2. We use this information to:&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;ul type="disc"&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Improve and customize the content and layout of our sites and other communications tools, such as our weekly e-newsletter. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Notify you of updates to our sites. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Notify you of relevant products and services. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Notify you of upcoming events and programs. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Occasionally compile specialty directories about which you will be made aware (such as an Affiliates list or designations list.) &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;li class="MsoNormal" style="margin: 0in 0in 10pt; color: black; mso-line-height-alt: 9.65pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-list: l1 level1 lfo2; tab-stops: list .5in;"&gt;&lt;span style="mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;Track usage of our sites. &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/li&gt;
&lt;/ul&gt;
&lt;p class="MsoNormal" style="margin: 0in 0in 10pt;"&gt;&lt;span style="color: #000000; line-height: 115%; mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-family: Calibri;"&gt;&lt;span style="font-size: medium;"&gt;3. &lt;span style="mso-bidi-font-weight: bold;"&gt;WVAR does not sell or trade e-mail addresses&lt;/span&gt;, but may provide you with on-line informational or marketing messages that have been approved by WVAR.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;We do provide WVAR members with member rosters containing business information (office address, office phone, etc.).&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;We also sell mailing labels to members who request them.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;Both rosters and labels must be requested by a member.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;A member's e-mail address may be provided as part of a roster request.&lt;br /&gt;&lt;br /&gt;4. We will not share, sell or provide other information about you to third parties.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class="MsoNormal" style="margin: 0in 0in 10pt;"&gt;&lt;span style="color: #000000; line-height: 115%; mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span&gt;&lt;span style="font-size: medium; font-family: Calibri;"&gt;5. Credit information that you provide when you make payments by credit card or electronic check for products, dues or other services via our member database system (LAMPS) will only be used to process the transactions you request.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;We do not hold this information on file.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;This information is not sold, shared, or traded. &lt;br /&gt;&lt;br /&gt;6. We maintain security procedures and standards which we believe are as safe as today's technology permits.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;We test these procedures and modify them regularly as new technologies become feasible.&lt;br /&gt;&lt;br /&gt;7. We utilize a strict Opt-Out policy for sending online notifications regarding services, products and programs.&lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp; &lt;/span&gt;You may adjust your Communication Preferences by contacting the staff at WVAR via phone at 386-774-6433.&lt;br /&gt;&lt;br /&gt;8. You may edit your personal contact information directly via the member login at the WVAR website (LAMPS) or by contacting us at 386-774-6433.&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;div style="border-right: medium none; padding-right: 0in; border-top: windowtext 1pt solid; padding-left: 0in; padding-bottom: 0in; border-left: medium none; padding-top: 1pt; border-bottom: medium none; mso-element: para-border-div; mso-border-top-alt: solid windowtext .5pt;"&gt;
&lt;p class="MsoNormal" style="margin: 0in 0in 10pt; mso-padding-alt: 1.0pt 0in 0in 0in; mso-border-top-alt: solid windowtext .5pt; padding: 0in;"&gt;&lt;span style="font-size: 8pt; color: #000000; line-height: 115%; mso-bidi-font-size: 10.0pt; mso-bidi-font-family: 'Times New Roman'; mso-fareast-font-family: 'Times New Roman';"&gt;&lt;span style="font-family: Calibri;"&gt;Adopted by the Board of Directors 9/4/2008&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;/div&gt;</long-description>
    <name>Privacy Notice</name>
    <position type="integer">1</position>
    <short-description>You're information is safe with us.  Read how.</short-description>
    <thumbnail-id type="integer">13639</thumbnail-id>
  </biz/policy>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">491</grouping-id>
    <id type="integer">2508</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;p class="MsoNormal" style="margin: 0in 0in 10pt; text-align: justify;"&gt;&lt;span style="font-size: 12pt; line-height: 115%; font-family: &amp;quot;Arial&amp;quot;,&amp;quot;sans-serif&amp;quot;;"&gt;The Realtor&amp;reg; trademark is a service mark used for a licensed real estate professional affiliated with the National Association of Realtors&amp;reg; signifying adherence to a strict Code of Ethics.&lt;br /&gt;&lt;br /&gt;The Code of Ethics that all Realtors&amp;reg; abide by separates Realtors&amp;reg; from real estate agents. &lt;span style="mso-spacerun: yes;"&gt;&amp;nbsp;&lt;/span&gt;By becoming a member of the Association, a real estate agent agrees to "take an extra professional step" and embrace and comply with the Code of Ethics.&lt;/span&gt;&lt;/p&gt;</long-description>
    <name>Overview</name>
    <position type="integer">1</position>
    <short-description>Ask if your agent is a REALTOR&#174;, a member of the National Association of REALTORS&#174;.  They complete mandatory ethics training.</short-description>
    <thumbnail-id type="integer">13658</thumbnail-id>
  </biz/policy>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">491</grouping-id>
    <id type="integer">2507</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;p&gt;&lt;a href="http://www.thrivesmart.com/pdf/westvolusiarealtor/2009-Code-of-Ethics.pdf" target="_blank"&gt;Click here to view, save or print the current Code&amp;nbsp;of Ethics.&lt;/a&gt;&lt;/p&gt;</long-description>
    <name>Code of Ethics</name>
    <position type="integer">2</position>
    <short-description>Download the current Code of Ethics</short-description>
    <thumbnail-id type="integer">14212</thumbnail-id>
  </biz/policy>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">491</grouping-id>
    <id type="integer">2921</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;p&gt;&lt;a href="http://dl.getdropbox.com/u/846494/Ethics%20%26%20Arbitration%20-%20Questions%20Answers%20%26%20Information.pdf" target="_blank"&gt;Click here to view, print or download a packet of information that will help you understand the following:&lt;/a&gt;&lt;/p&gt;
&lt;ul&gt;
&lt;li&gt;The difference between an Ethics compaint and an arbitration request.&lt;/li&gt;
&lt;li&gt;Who may file an Ethics&amp;nbsp;complaint or&amp;nbsp;a request for arbitration.&lt;/li&gt;
&lt;li&gt;What the Association can and cannot do.&lt;/li&gt;
&lt;li&gt;How to file.&lt;/li&gt;
&lt;li&gt;How your complaint or request is processed.&lt;/li&gt;
&lt;/ul&gt;</long-description>
    <name>Ethics &amp; Arbitration</name>
    <position type="integer">3</position>
    <short-description>Questions, answers and information</short-description>
    <thumbnail-id type="integer"></thumbnail-id>
  </biz/policy>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">491</grouping-id>
    <id type="integer">2509</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;p&gt;&lt;a href="http://dl.getdropbox.com/u/846494/Ethics%20Complaint%20Packet%202009.pdf" target="_blank"&gt;Click here to view, print or download a complete packet of information and forms regarding an Ethics complaint.&lt;/a&gt;&lt;/p&gt;</long-description>
    <name>Ethics Inquiry</name>
    <position type="integer">4</position>
    <short-description>Information and forms regarding an Ethics complaint.</short-description>
    <thumbnail-id type="integer">13698</thumbnail-id>
  </biz/policy>
  <biz/policy>
    <business-id type="integer">657</business-id>
    <grouping-id type="integer">491</grouping-id>
    <id type="integer">2510</id>
    <introductory-paragraph></introductory-paragraph>
    <link-url></link-url>
    <long-description>&lt;p&gt;&lt;a href="http://dl.getdropbox.com/u/846494/Arbitration%20Packet%202009.pdf" target="_blank"&gt;Click here to view, print or download a complete packet of information and forms for an&amp;nbsp;arbitration request.&lt;/a&gt;&lt;/p&gt;</long-description>
    <name>Arbitration Request</name>
    <position type="integer">5</position>
    <short-description>Information and forms</short-description>
    <thumbnail-id type="integer">14213</thumbnail-id>
  </biz/policy>
</biz/policies>
