Effective Date: May 23, 2018

Updated: February 23, 2024

Chapman and Cutler LLP (“Chapman”) respects your privacy and is committed to collecting, maintaining and using personal information about you responsibly. This Privacy Policy (the or this “Policy”) applies to all of your use of any of the websites created and maintained by Chapman, including www.chapman.com and structuredfinanceinsights.com (the “Sites”). This Policy describes how your personal information will be treated as you use the Sites. If you are a resident of the States of California, Colorado, Connecticut, Virginia, or Utah, please see below for additional applicable privacy disclosures. 

This Policy applies to information we collect on the Sites and in email and other electronic messages between you and the Sites. This Policy does not apply to information (i) provided to us in the course of our attorney-client relationships or which is protected by confidentiality, the attorney-client privilege, the attorney work product doctrine or any other applicable protection, (ii) collected by us offline or through any other means, or (iii) collected by any third party, including through any content that may link to or be accessible from or through the Sites. Nothing in this Policy should be construed to create an attorney-client relationship with visitors to our website or, conversely, to detract from any of the protections resulting from such relationships.

Please read this Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, you should not access the Sites. This Policy may change from time to time as described in the “Changes to Our Privacy Policy” section. Your continued use of the Sites after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

BY USING THE SITES YOU AGREE TO THIS POLICY.  PLEASE READ IT CAREFULLY.

1. Information We Collect From You When You Visit The Sites

In general, you may visit the Sites without telling us who you are or revealing any personal information about yourself except as set forth in this section. 

Like many websites, we use “cookies” on the Sites. Cookies are text files containing small amounts of information that can be downloaded to your device when you visit a website. We use cookies on the Sites for a variety of different purposes:

  • Cookies are essential in order to enable you to move around each website and use its features, such as accessing secure areas of that Site.
  • Performance and analytics cookies (including Google Analytics and Oracle's Eloqua) which keep track of the pages that you visit and the videos and other content you access, so we can determine which content is most popular and improve the performance of the Sites. 
  • Cookies which keep track of how you share content from the Sites via social media or email, using sharing buttons. 

By using the Sites, you agree to the use of cookies as described in this Policy. You can disable cookies on your device at any time by indicating this in the preferences or options menus in your browser. However, doing so may limit your ability to view all the pages of a Sites or use online services that require registration. You can find more information about cookies at www.allaboutcookies.org and www.youronlinechoices.com

2. Information You Submit To Us Through The Sites

We do not collect information about you such as your name, address, telephone number, email addresses, etc., unless you choose to provide that information to us. For example, you may contact us when you register for an event, request a publication, sign up for our mailing list, send a resume, or you may call us, or ask us to contact you. We maintain that information to accommodate your request. We may use this information to inform you of events, publications and the like that might be of interest to you.

Unless specifically requested and you use the method that we identify for such purpose, we ask that you not send us any confidential or sensitive information such as credit card numbers, national ID numbers, social security numbers, health insurance number, license numbers, birthdays or the like.

3. Links

Links to websites that are not operated by or for Chapman (“Third Party Sites”) are provided within this Privacy Policy and within the Sites, solely as a convenience to you. If you use these links, you will leave the Policy or the Site you are then visiting. This Privacy Policy does not apply to Third Party Sites. We have not reviewed the Third Party Sites, do not control and are not responsible for any of their content or their privacy policies, if any. We do not endorse or make any representations about them, or any information, software or other products or materials found there, or any results that may be obtained from using them. If you decide to access any of the Third Party Sites listed on or linked to from this Policy or any of the Sites, you should understand that you do so at your own risk.

4. Sharing of Information

Chapman may also disclose and/or transfer your personal information (i) to its trusted third party service providers (for example, companies that provide systems, web hosting  and other IT services; internal and external advisors and auditors); (ii) if required by applicable law; (iii) in connection with a reorganization or combination of our firm with another firm, (iv) if it believes that such disclosure is necessary to enforce or apply its terms of use and other agreements or otherwise protect and defend Chapman’s rights, property or safety or that of our clients and other users of the Sites; (v) in order to comply with a judicial proceeding, court order or other legal obligation, or a regulatory or government inquiry; or (vi) with your consent.

5. Security

We seek to use reasonable technical, organizational, and administrative measures to protect user information within Chapman against unauthorized or unlawful access or processing, and against accidental loss, destruction, or damage. We believe that these measures are reasonably adapted to the nature of the information in our custody.

However, even though Chapman makes reasonable efforts to protect information in its custody, no data storage or transmission over the Internet and no security system is fully secure. Thus, we cannot guarantee the security of any information we may have collected or received from you or transmitted to you.

If you believe your information is not secure due to a problem in our systems, please immediately notify us of the problem at the address provided in the “How to Contact Us” section.

6. Aggregated, Anonymized, or Statistical Information

We generate and use aggregated, anonymized, or statistical information about the use of the Sites. We may provide this information to third parties such as our advisers or consultants for research, analytical or strategic purposes. This information is not intended to allow the identification of any specific user of the Sites.

7. Choice Regarding Marketing

If you no longer want to receive marketing-related material from us, you may opt-out of receiving these communications by following the unsubscribe instructions in such communications or by contacting us as indicated in the “How to Contact Us” section. We will try to comply with your request as soon as practicable.

Please note that even though you have opted-out of receiving marketing-related communications from us, we may still send you important administrative messages.

8. Notice to Minors

The Sites are not directed at and are not intended to be visited by children under the age of 16.

The Sites are not intended for children under 16 years of age. No one under age 16 may provide any information to or on the Sites. We do not knowingly collect personal information from children under 16. If you are under 16, do not visit the Sites or any of our blogs or social media sites and do not send any type of information about yourself to Chapman or the Sites, including your name, address, telephone number, email address, or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 16, we will delete that information. If you believe we might have any information from or about a child under 16, please contact us as shown in the “How to Contact Us” section.

9. California Consumer Privacy Act of 2018

This Privacy Notice for California Residents supplements the information contained in the Chapman and Cutler LLP (“Chapman”) Privacy Policy set forth above (the “Privacy Policy”) and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this Notice.

Information We Collect

We collect, through our website located at www.chapman.com (the or our “website”) and our normal business operations, information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). Personal information does not include:

  • Publicly available information from government records.
  • Deidentified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, like:
    • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”) and the California Confidentiality of Medical Information Act (“CMIA”) or clinical trial data;
    • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”) or California Financial Information Privacy Act (“FIPA”), and the Driver's Privacy Protection Act of 1994.

In particular, we have collected the following categories of personal information from our website users within the last twelve (12) months: 

Category

Examples

Collected

A. Identifiers.

A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.

YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).

A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information.

Some personal information included in this category may overlap with other categories.

YES

C. Protected classification characteristics under California or federal law.

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).

YES

D. Commercial information.

Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.

NO

E. Biometric information.

Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.

NO

F. Internet or other similar network activity.

Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.

YES

G. Geolocation data.

Physical location or movements.

YES

H. Sensory data.

Audio, electronic, visual, thermal, olfactory, or similar information.

NO

I. Professional or employment-related information.

Current or past job history for employment applications .

YES

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).

Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.

NO

K. Inferences drawn from other personal information.

Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

NO

 

We obtain the categories of personal information listed above from the following categories of sources:

  • Directly from you when you provide it to us or avail of our services.
  • Indirectly from you. For example, from observing your actions on our website.
  • Directly and indirectly from you from submissions through our website portal or website usage details collected automatically.
  • From third parties such as our website management vendor.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following purposes:

  • To fulfill or meet the reason you provided the information. For example, if you share your name and contact information to request information or ask a question about our services, we will use that personal information to respond to your inquiry.
  • To conduct our attorney and staff recruiting and hiring processes.
  • To provide you with legal services, if you are or become a client of our firm, and otherwise deal with you.
  • Administer the matters you instruct us on.
  • To provide, support, personalize, and develop our website, products, and services.
  • To provide you with email alerts regarding events or news that may be of interest to you, event registrations and other notices concerning our products or services.
  • To provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
  • To help maintain the safety, security, and integrity of our website, databases and other technology assets.
  • For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.
  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users is among the assets transferred.
  • For any other purpose, with your consent.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

We share your personal information for business purposes with the following categories of third parties:

  • Service providers.
  • Our affiliates
  • Outside consultants.
  • Third parties to whom you or your agents authorize us to disclose your personal information in connection with services we provide to you.

Disclosures of Personal Information for a Business Purpose

We do not sell personal information. In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.

Category B: California Customer Records personal information categories.

Category C: Protected classification characteristics under California or federal law.

Category D: Commercial information.

Category F: Internet or other similar network activity.

Category I: Professional or employment-related information.

We may disclose your personal information for a business purpose to service providers to our firm, acting on our behalf and at our direction, subject to appropriate confidentiality, privacy and information security commitments provided by the receiving party, or where we believe in good faith that it is necessary to provide a service with you have requested or as otherwise permitted or required by law.

Sales of Personal Information

In the preceding twelve (12) months, we have not sold any personal information

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights

You have the right to request that we disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will disclose to you:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • Our business or commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collected about you (also called a data portability request).
  • If we sold or disclosed your personal information for a business purpose, two separate lists disclosing:
    • sales, identifying the personal information categories that each category of recipient purchased; and
    • disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

You have the right to request that we delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request (see Exercising Access, Data Portability, and Deletion Rights), we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

  1. Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you or otherwise perform our agreement with you.
  2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  3. Debug products to identify and repair errors that impair existing intended functionality.
  4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  6. Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
  7. Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  8. Comply with a legal obligation.
  9. Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:

Only you, or a person legally authorized to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use personal information provided in a verifiable consumer request to verify the requestor's identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing.

If you have an account with us or are a current or former client of our firm, we will deliver our written response to the contact information we have on file for you. If you do not have an account with us or are not a current or former client of our firm, we will deliver our written response by mail or electronically, at your option.

Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to Our Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will post the updated notice on our website and update the notice's effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this notice, the ways in which Chapman collects and uses your information described here and in the, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at:

Phone: (800) 477-7002
Website: www.chapman.com/privacy
Email: privacy@chapman.com
Postal Address:
Chapman and Cutler LLP
Attn: Chief Marketing Officer
320 South Canal Street, 27th Floor
Chicago, Illinois 60606

10. Other State Privacy Rights

Colorado, Connecticut, Virginia, and Utah each provide their state residents with rights to:

  • Confirm whether we process their personal information.
  • Access and delete certain personal information.
  • Data portability.
  • Opt-out of personal data processing for targeted advertising and sales.

Colorado, Connecticut, and Virginia also provide their state residents with rights to:

  • Correct inaccuracies in their personal information, taking into account the information’s nature processing purpose.
  • Opt-out of profiling in furtherance of decisions that produce legal or similarly significant effects.

You may exercise any of these rights by (1) calling us at (800) 477-7002 or (2) emailing us at privacy@chapman.com

11. Changes to Our Privacy Policy

We reserve the right to amend this Policy at our discretion and at any time. When we make changes to this Policy, we will post the updated Policy on our website and update the Policy's effective date. You are responsible for periodically visiting the Sites and this Policy to check for any changes.  Your continued use of the Sites following the posting of changes constitutes your acceptance of such changes.

12. How to Contact Us

If you would like to update the personal information that you have provided Chapman, please email us at dataprotection@chapman.com.

If you have any questions about Chapman’s Privacy Policy, please email us at privacy@chapman.com.

If you would like to unsubscribe from any of Chapman’s mailing lists, please contact us at dataprotection@chapman.com.

If you are a California resident and want to request information regarding Chapman’s disclosure of personal information to third-parties for direct marketing purposes, please email us at dataprotection@chapman.com.

If you would like to request erasure of your personal data pursuant to Article 17 of the General Data Protection Regulation, please email us at dataprotection@chapman.com.

We have always been focused on finance.

  • 1913
    TS Chapman partners with Henry Cutler to form Chapman and Cutler
  • 1st
    Chapman's first client in 1913 is still a client of the firm today
  • 22
    Diverse financial practices serving regional, national, and global clients
  • 6
    Offices across the country and in key US financial centers

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