PRIVACY STATEMENT
We are committed to safeguarding your privacy online.
Please read the following statement to understand how
your personal information will be treated as you make
full use of our web site. If you have any questions
regarding our privacy statement, please feel free to
contact us by phone or email.
Gathering of Information
Voluntary Submission
We do not collect personally identifying information
about any individual web site user except when knowingly
provided by such individual. For example, we may ask you
for information when you register for a contest or
survey or to receive a newsletter. You always have the
option not to provide the information we request. If you
choose not to provide the information we request, you
can still visit most our web site, but you may be unable
to access certain options and services.
Cookies
A cookie is a data file that certain web sites write
to your computer’s hard drive when you visit such sites.
A cookie file can contain information, such as a user
identification code, that the site uses to track the
pages you have visited. We use cookies solely to enable
enhanced features for our web site. We use this data on
an anonymous basis and we do not correlate this
information with personal data of any user.
Most Web site browsers automatically accept cookies,
but you can usually change your browser settings to
display a warning before accepting a cookie, or to
refuse all cookies. However, if you choose to disable
the receipt of cookies from our web site, you may not be
able to use certain features of the site.
Browser
Level Information
Our web servers automatically collect information
about a site user’s IP address, browser type and
referrer by reading this information from the user’s
browser (information provided by every user’s browser).
This information is collected in a database and used--in
an aggregated, anonymous manner--in our internal
analysis of traffic patterns within our web site. This
information is automatically logged by most web
sites.
Use of Information
Our primary goal in collecting user information is to
provide financial services directly to you and to
enhance your experience on our web site. We achieve this
goal by, among other things, providing interactive
communications such as our calculators, forms and
electronic newsletters to the e-mail address that you
provide to us, and developing future promotions based on
your interests. To develop content targeted to your
interests, we use aggregated user information to
determine which areas of our web site users prefer based
upon traffic to those areas. We do not track what
individual users read, but instead how well each page or
content area performs overall.
We do not share your identifying or financial
information with any 3rd parties without your prior
knowledge and consent. These 3rd parties include credit
bureaus, lenders, and other financial institutions that
may assist with your financial needs.
We may disclose information about our users when we
believe, in good faith, that the disclosure is required
by law.
Please be aware that our sponsors, advertisers or web
sites that have links on our site may collect personally
identifiable information about you. The information
practices of those parties and web sites linked to ours
are not covered by this privacy statement. Our users
should also be aware that, when you voluntarily disclose
personal information in chat areas or bulletin boards,
that information may be collected by others and may
result in unsolicited messages from others.
Kids under 13
Do not send any information about yourself to
us--including information such as your name, address, or
e-mail address. We do not knowingly collect personally
identifiable information from children under 13. In the
event that we learn we have collected any personal
information from a child under the age of 13 without
verification of parental consent, we will delete that
information from our database as quickly as
possible.
E-Mail
We respect the privacy of our readers and shall not
disclose, distribute or rent the e-mail address of
subscriber newsletter list to any third party, nor shall
it permit anyone else to do so.
How to Contact Us
If you have any questions regarding our privacy
statement, please feel free to contact us by email or
phone.
This statement may change periodically, so please
check back on occasion.
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