We have created this privacy statement in order to demonstrate our firm and
continuing commitment to the privacy of personal information provided by those visiting and interacting with
this web site. We hold the privacy of your personal information in the highest regard. The following
discloses our information gathering and dissemination practices for this website.
We recognize the importance
of protecting your privacy and our
policy is designed to assist you in understanding how we collect, use and safeguard the personal information you
provide to us and to assist you in making informed decisions when using our site. This policy will be continuously
assessed against new technologies, business practices and our customers' needs.
What Information Do We
When you visit this web site you may provide us with two types of information: personal information you knowingly
choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate
basis as you and others browse our Web site.
1. Personal Information
You Choose to Provide
When you register for any of our products, services or
newsletters you will provide us information about yourself.
If you choose to avail of our services, you may need to give personal information
and authorization to obtain information from various credit services. For example, you may need to provide the
-Credit card number
-Name on credit
-Credit card billing
-Business and home phone number
If you choose to correspond with us through email, we may retain the content of your
email messages together with your email address and our responses. We provide the same protections for these
electronic communications that we employ in the maintenance of information received by mail and
2. Web Site Use Information
Similar to other commercial Web sites, our Web site utilizes a standard technology called "cookies" (see
explanation below, "What Are Cookies?") and web server log files to collect information about how our Web site is
used. Information gathered through cookies and Web server logs may include the date and time of visits, the pages
viewed, time spent at our Web site, and the Web sites visited just before and just after our Web
How Do We Use the
Information That You Provide to Us?
Broadly speaking, we use
personal information for purposes of administering our business activities, providing the products and services you
requested, to process your payment, to
monitor the use of the service, our marketing and
promotional efforts and improve our content and service offerings, and customize our site's content,
layout, services and for other lawful purposes.
These uses improve our site and better tailor it to meet your
Furthermore, such information
may be shared with others on an aggregate basis. Personally identifiable information or business information will
not be shared with parties except as required by law.
Occasionally, we may also use
the information we collect to notify you about important changes to our Website, new services, and special offers
we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by
emailing us at the link provided on the newsletter.
A cookie is a very small text document, which often includes an anonymous unique
identifier. When you visit a Web site, that site's computer asks your computer for permission to store this file in
a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your
browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site
to access the cookies it has already sent to you, not the cookies sent to you by other sites. Browsers are usually
set to accept cookies. However, if you would prefer not to receive cookies, you may alter the configuration of your
site will not function as effectively when viewed by the users. A cookie cannot retrieve
any other data from your hard drive or pass on computer viruses.
How Do We Use
Information We Collect from Cookies?
for security. Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number
of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback to
constantly improve our Web site and better serve our clients. Cookies do not allow us to gather any personal
information about you and we do not intentionally store any personal information that your browser provided to us
in your cookies.
IP addresses are used by your computer every time you are connected to the Internet.
Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are
automatically collected by our web server as part of demographic and profile data known as traffic data so that
data (such as the Web pages you request) can be sent to you.
Sharing and Selling
We do not share, sell, lend or lease any of the information that uniquely
identify a subscriber (such as email addresses or personal details) with anyone except to the extent it is
necessary to process transactions or provide services that you have requested.
How Can You Access and
Correct Your Information?
You may request access to all your personally identifiable information that we
collect online and maintain in our database by emailing us at the usual address.
What About Legally Compelled
Disclosure of Information?
We may disclose
information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires
it or for the protection of our legal rights. We may also disclose account information when we have reason to believe that
disclosing this information is necessary to identify, contact or bring legal action against someone who may be
violating our Terms of Service or to protect the safety of our users and the Public.
What About Other Web
Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from our
Web site or the information or content contained therein. Often links to other Web sites are provided solely as
pointers to information on topics that may be useful to the users of our Web site.
Please remember that when you
interaction on any other web site, including web sites, which have a link on our Website, is subject to that Web
site's own rules and policies. Please read over those rules and policies before proceeding.
By using our Web site you consent to our collection and use of your personal
or without notice.
Commitment To Data Security:
Please note that your
information will be stored and processed on our computers in the United States. The laws on holding personal data
in the United States may be less stringent than the laws of your Country of residence or citizenship.
To prevent unauthorized access, maintain data
accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and
managerial procedures to safeguard and secure the information we collect online.
This site allows visitors to unsubscribe so that they will not receive future
messages. After unsubscribing we will discontinue sending the particular messages as soon as technically
From time-to-time our site
requests information from users via surveys or contests. Participation in these surveys or contests is completely
voluntary and the user therefore has a choice whether or not to disclose this information. Information requested
may include contact information (such as name and shipping address), and demographic information (such as zip code,
age level). Contact information will be used to notify the winners and award prizes. Survey information will be
used for purposes of monitoring or improving the use and satisfaction of this site.
A Special Note About
Children are not eligible to
use our services, we ask that
children (under the age of 18) do not submit any personal
information to us.
Acquisition or Changes in
In the event that the web site
(or a substantial portion of its assets) is acquired, your information would be considered part of those assets,
and may be part of those assets that are transferred.
permission to do so. We will post any changes here, so be sure to check back periodically. However, please be
without your prior consent.
Andrew W. Conner NMLS #
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