PRIVACY POLICY

Privacy Policy Effectiveness

This Privacy Policy shall apply only to individual consumers and solely to information collected by this Web site. This Privacy Policy is effective as of January, 2011 and applies to personal and financial information submitted on this Web site on or after the Effective Date.

Our Commitment to Privacy

Your privacy is important to us, as well as to our respective subsidiaries and affiliates (collectively, “we,” “us” or “our”) and we are committed to treating your personal information responsibly. To better protect your privacy, we provide this notice explaining our online information gathering and dissemination practices and the choices you can make about the collection and use of the personal information you submit on this Web site on which this Privacy Policy is posted. Use of this Web site constitutes your consent to our collection and use of personal data in accordance with the terms hereof. We use industry standard safeguards to protect the confidentiality of personal information we collect from visitors to this Web site. Personal information collected is accessible only by designated staff or agents of our organization who are also bound to this statement, except as expressly described below. However, it is important to recognize that “perfect security” does not exist on the Internet. Therefore, while we endeavor to maintain appropriate physical and electronic procedures and safeguards to protect information collected from this Web site, we cannot guarantee the confidentiality of any information that you disclose online and transmit to us, and you understand that you do so at your own risk.

Personal Information that We May Collect

We will not collect any personally identifiable information about you through this Web site unless you provide it to us voluntarily. The types of personal information collected may include, without limitation, your name and contact information (such as your postal address, zip code, phone number, e-mail address and/or credit card information) We do not collect or maintain information from those actually known to be under the age of 13.

Information Sharing and Disclosure

We do not sell or rent your personal information or share your personal information with other people except with your permission, or under the following limited circumstances:

We may store and disclose personal information as allowed or required by applicable law, including making disclosures in order to respond to subpoenas, court orders, or legal process.
We may establish or exercise our legal rights or defend against legal claims as necessary or advisable to protect the rights, safety or property of our company, it’s employees, or others and to conform to legal or regulatory requirements.
We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the Web site terms of use, or as otherwise required by law.

Cookies and Other Tracking Methods

“Cookies” are small pieces of information stored on your computer. We may use cookies for a number of reasons. Cookies allow us to better understand how users use our site and can help us to tailor our Web site and marketing methods. Cookies can also help you remember your user name and password on protected areas of Web sites. You are always free to decline our cookies and continue to use our Web site if the tools in your browser permits, but some parts of our site may not work properly or as efficiently if you do.

Notification of Changes in Privacy Policy or Use of Information Collected

This Privacy Policy may be updated and modified from time to time by us in our sole discretion. If we decide to change our Privacy Policy or if we make any material changes in our privacy practices that affect user information already collected through our site, we will post a notice of those changes on our Homepage. We will use information in accordance with the Privacy Policy under which the information was collected. If you do not agree to any provision of this Privacy Policy, or any update or modification thereto, please do not use our Web site.

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