Disclaimer

The Federal Reserve Bank of Dallas provides this web site as a convenience to its customers, depository institutions and the public. By using this site or the information, data or materials provided, you acknowledge and agree to the following terms and conditions:

The service and content from or through this site are provided on an "as-is," "as available" basis without warranty of any kind, including, but not limited to, express and implied warranties of merchantability, title, quality, fitness for a particular use and noninfringement. The Federal Reserve Bank of Dallas uses reasonable efforts to include accurate and up-to-date information on this web site; it does not, however, make any representations or warranties as to its accuracy or completeness. The Federal Reserve Bank of Dallas periodically adds, changes, improves or updates the information and documents on this web site without notice. The Federal Reserve Bank of Dallas assumes no legal liability or responsibility for the accuracy, correctness or completeness of any information available through this web site. Any conclusions that users draw from the information presented here are their own and are not to be attributed to the Federal Reserve Bank of Dallas.

The views expressed in the Federal Reserve Bank of Dallas publications and working papers are strictly those of the authors. They do not necessarily represent the position of the Federal Reserve Bank of Dallas, or the Federal Reserve System.

This site contains links to information outside of the Federal Reserve Bank of Dallas’ web site as an additional resource. The linked sites are not under the control of the Federal Reserve Bank of Dallas, and the Federal Reserve Bank of Dallas is not responsible for the contents of any linked site or any link. The Federal Reserve Bank of Dallas provides these links only as a convenience, and the inclusion of a link does not imply a site or product endorsement, recommendation or favoring by the Federal Reserve Bank of Dallas.

Reproduction of any information contained herein may be made without limitation as to quantity, provided it is not distributed for the purpose of private gain and is appropriately credited to the Federal Reserve Bank of Dallas or its respective publication. A courtesy copy of the publication containing the cited material should be forwarded to:

Public Affairs Department
Federal Reserve Bank of Dallas
2200 N. Pearl St.
Dallas, TX 75201

Graphics and logos created by the Federal Reserve Bank of Dallas are the property of the Federal Reserve Bank of Dallas and may not be used without written permission.

The Federal Reserve Bank of Dallas does not permit the use of its name in advertising, as an endorsement for any product or service, or for any other commercial purpose.

Privacy Policy

The Federal Reserve Bank of Dallas respects your privacy.

The personal information you choose to provide us is voluntary. We do not use cookies, and we do not require you to provide any information about yourself that you do not wish to share.

You may choose to provide us with personal information if, for example, you subscribe to our publications, send us questions through e-mail, answer a user survey or register for an event.

If you participate in a user survey, your answers and personal information will only be analyzed in aggregate. The information will be used to help us tailor our web site, publications and services to our users' needs and to help us understand our audience.

If you provide us with your postal or e-mail address or telephone number, this information will only be used to

• provide you with the publications or information requested;
• clarify your order or request;
• register you for an event; or
• provide you with related information.

When you fill out our online forms, they are returned to us via electronic mail. Your responses are not encrypted. We cannot guarantee the security of information sent via electronic mail. Minor children should always obtain parental consent before releasing personal information to any web site.

In addition to information voluntarily provided by you, we collect statistical information about our users in aggregate. We perform analyses on our web server's log files to identify, among other things,

• our site's most popular pages;
• the browsers and operating systems most often used by our visitors;
• the sites and search engines that have referred visitors to our site; and
• the domains (for example, America Online) from which our users visit us.

This analysis does not involve personally identifiable information. It is used only for the purpose of helping us understand and better meet our audience's needs.

Any information collected on this web site, whether individual or aggregate, is for Federal Reserve use only. No information about visitors to this web site is released or sold to third parties.

Questions or comments about the Federal Reserve Bank of Dallas' privacy policy may be directed to our web site administrators at dal.webmaster@dal.frb.org.