 Privacy Policy
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
Collect?
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
Registration
Information
When you
register for any of our products, services or newsletters you
will provide us information about yourself.
Credit Card
Information
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 following
information:
-Name
-Mailing address
-Email address
-Credit card number
-Name on credit card
-Credit card billing address
-Business and home phone number
Email
Information
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 telephone.
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 site.
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
needs.
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.
What Are
Cookies?
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 browser to refuse cookies. If you choose
to have your browser refuse cookies, it is possible that some
areas of our 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?
As you visit and browse our Web
site, the site uses cookies to differentiate you from other
users. In some cases, we also use cookies to prevent you from
having to log in more than is necessary 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
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
Information
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 use a link to go from our Website
to another web site, our Privacy Policy is no longer in effect.
Your browsing and 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.
Your
Consent
By using our Web site you
consent to our collection and use of your personal information
as described in this Privacy Policy. We reserve the right to
amend this privacy policy at any time with or without
notice.
Our 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.
Choice/Opt-In/Opt-Out
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 feasible.
Surveys &
Contests
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
Children are not eligible
to use our services unsupervised and we ask
that children (under the age of 14) do
not submit any personal information to us. If you are a minor,
you can use this service only in conjunction with permission
and guidance from your parents or
guardians.
Acquisition or Changes in
Ownership
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.
Policy
Modifications
We may change this
Privacy Policy from time to time. If/when changes are made to
this privacy policy, we will email users who have given us
permission to do so. We will post any changes here, so be sure
to check back periodically. However, please be assured that if
the Privacy Policy changes in the future, we will not use the
personal information you have submitted to us under this
Privacy Policy in a manner that is materially inconsistent with
this Privacy Policy, without your prior
consent. Terms Of Service:
Terms Of Use & Service
IMPORTANT! THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF
THIS SITE, WHICH IS PROVIDED BY OUR COMPANY. BY ACCESSING THIS
SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF
THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY
OUR COMPANY AT ANY TIME IN ITS DISCRETION. YOUR USE OF THIS
SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR
ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT
THESE TERMS OF USE REGULARLY.
Access To This Site
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB
SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT
PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE
AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION
OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD ONLINE
PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
To access this site or some of the resources it has to
offer, you may be asked to provide certain registration details
or other information. It is a condition of your use of this
site that all the information you provide on this site will be
correct, current, and complete. If our Company believes the
information you provide is not correct, current, or complete,
we have the right to refuse you access to this site or any of
its resources, and to terminate or suspend your access at any
time, without notice.
Restrictions On Use
You may use this site for purposes expressly permitted by
this site. You may not use this site for any other purpose,
including any commercial purpose, without our Company's express
prior written consent. For example, you may not (and may not
authorize any other party to) (i) co-brand this site, or (ii)
frame this site, or (iii) hyper-link to this site, without the
express prior written permission of an authorized
representative of our Company. For purposes of these Terms of
Use, "co-branding" means to display a name, logo, trademark, or
other means of attribution or identification of any party in
such a manner as is reasonably likely to give a user the
impression that such other party has the right to display,
publish, or distribute this site or content accessible within
this site. You agree to cooperate with our Company in causing
any unauthorized co-branding, framing or hyper-linking
immediately to cease.
Proprietary Information
The material and content (hereinafter referred to as the
"Content") accessible from this site, and any other World Wide
Web site owned, operated, licensed, or controlled by our
Company is the proprietary information of our Company or the
party that provided the Content to our Company, and our Company
or the party that provided the Content to our Company retains
all right, title, and interest in the Content.
Accordingly, the Content may not be copied, distributed,
republished, uploaded, posted, or transmitted in any way
without the prior written consent of our Company, or unless
authorized in writing elsewhere on our site, except that you
may print out a copy of the Content solely for your personal
use. In doing so, you may not remove or alter, or cause to be
removed or altered, any copyright, trademark, trade name,
service mark, or any other proprietary notice or legend
appearing on any of the Content. Modification or use of the
Content except as expressly provided in these Terms of Use
violates our Company's intellectual property rights. Neither
title nor intellectual property rights are transferred to you
by access to this site.
Hyper-Links
This site may be hyper-linked to other sites which are not
maintained by, or related to, our Company. Hyper-links to such
sites are provided as a service to users and are not sponsored
by or affiliated with this site or our Company. Our Company has
not reviewed any or all of such sites and is not responsible
for the content of those sites. Hyper-links are to be accessed
at the user's own risk, and our Company makes no
representations or warranties about the content, completeness
or accuracy of these hyper-links or the sites hyper-linked to
this site. Further, the inclusion of any hyper-link to a
third-party site does not necessarily imply endorsement by our
Company of that site.
Submissions
You hereby grant to our Company the royalty-free, perpetual,
irrevocable, worldwide, non-exclusive right and license to use,
reproduce, modify, adapt, publish, translate, create derivative
works from, distribute, perform, and display all content,
remarks, suggestions, ideas, graphics, or other information
communicated to our Company through this site (together,
hereinafter known as the "Submission"), and to incorporate any
Submission in other works in any form, media, or technology now
known or later developed. Our Company will not be required to
treat any Submission as confidential, and may use any
Submission in its business (including without limitation, for
products or advertising) without incurring any liability for
royalties or any other consideration of any kind, and will not
incur any liability as a result of any similarities that may
appear in future Company operations.
Our Company will treat any personal information that you
submit through this site in accordance with its Privacy Policy
as set forth on this site.
Disclaimer
You understand that our Company cannot and does not
guarantee or warrant that files available for downloading from
the Internet will be free of viruses, worms, Trojan horses or
other code that may manifest contaminating or destructive
properties. You are responsible for implementing sufficient
procedures and checkpoints to satisfy your particular
requirements for accuracy of data input and output, and for
maintaining a means external to this site for the
reconstruction of any lost data. Our Company does not assume
any responsibility or risk for your use of the Internet.
The Content is not necessarily complete and up-to-date and
should not be used to replace any written reports, statements,
or notices provided by Company. Investors, borrowers, and other
persons should use the Content in the same manner as any other
educational medium and should not rely on the Content to the
exclusion of their own professional judgment. Information
obtained by using this site is not exhaustive and does not
cover all issues, topics, or facts that may be relevant to your
goals. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. The Content
is provided "as is" and without warranties of any kind, either
expressed or implied. Our Company disclaims all warranties,
including any implied warranties of merchantability, fitness
for a particular purpose, TITLE, OR NON-INFRINGEMENT. Our
Company does not warrant that the functions OR CONTENT
contained in this site will be uninterrupted or error-free,
that defects will be corrected, or that this site or the server
that makes it available are free of viruses or other harmful
components. Our Company does not warrant or make any
representation regarding use, or the result of use, of the
content in terms of accuracy, reliability, or otherwise. The
content may include technical inaccuracies or typographical
errors, and Company may make changes or improvements at any
time. You, and not our Company, assume the entire cost of all
necessary servicing, repair or correction IN THE EVENT OF ANY
LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS
CONTENT. Our OMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE
CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO
LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH
CONTENT.
All of the information in this site, whether historical in
nature or forward-looking, speaks only as of the date the
information is posted on this site, and Company does not
undertake any obligation to update such information after it is
posted or to remove such information from this site if it is
not, or is no longer, accurate or complete.
Limitation On Liability
COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE
PROVIDERS, CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND
DIRECTORS WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT,
INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY,
OR OTHER DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND
SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF
COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN
NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS
SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT
PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY
PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT,
TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT
YOU HAVE PAID TO COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR
SERVICE OUT OF WHICH LIABILITY AROSE.
Indemnity
You will indemnify and hold Company, its subsidiaries,
affiliates, licensors, content providers, service providers,
employees, agents,
officers, directors, and contractors (hereinafter known as the
"Indemnified Parties") harmless from any breach of these Terms
of Use by you, including any use of Content other than as
expressly authorized in these Terms of Use. You agree that the
Indemnified Parties will have no liability in connection with
any such breach or unauthorized use, and you agree to indemnify
any and all resulting loss, damages, judgments, awards, costs,
expenses, and attorney's fees of the Indemnified Parties in
connection therewith. You will also indemnify and hold the
Indemnified Parties harmless from and against any claims
brought by third parties arising out of your use of the
information accessed from this site.
Trademarks
Trademarks, service marks, and logos appearing in this site
are the property of Company or the party that provided the
trademarks, service marks, and logos to Company. Company and
any party that provided trademarks, service marks, and logos to
Company retain all rights with respect to any of their
respective trademarks, service marks, and logos appearing in
this site.
Information You Provide
You may not post, send, submit, publish, or transmit in
connection with this site any material that:
· you do not have the right to post, including proprietary
material of any third party;
· advocates illegal activity or discusses an intent to
commit an illegal act;
· is vulgar, obscene, pornographic, or indecent;
· does not pertain directly to this site;
· threatens or abuses others, libels, defames, invades
privacy, stalks, is obscene, pornographic, racist, abusive,
harassing, threatening or offensive;
· seeks to exploit or harm children by exposing them to
inappropriate content, asking for personally identifiable
details or otherwise;
· infringes any intellectual property or other right of any
entity or person, including violating anyone's copyrights or
trademarks or their rights of publicity;
· violates any law or may be considered to violate any
law;
· impersonates or misrepresents your connection to any other
entity or person or otherwise manipulates headers or
identifiers to disguise the origin of the content;
· advertises any commercial endeavor (e.g., offering for
sale products or services) or otherwise engages in any
commercial activity
(e.g., conducting raffles or contests, displaying sponsorship
banners, and/or soliciting goods or services) except as may be
specifically authorized on this site;
· solicits funds, advertisers or sponsors;
· includes programs which contain viruses, worms and/or
Trojan horses or any other computer code, files or programs
designed to interrupt, destroy or limit the functionality of
any computer software or hardware or telecommunications;
· disrupts the normal flow of dialogue, causes a screen to
scroll faster than other users are able to type, or otherwise
act in a way which affects the ability of other people to
engage in real time activities via this site;
· includes MP3 format files;
· amounts to a 'pyramid' or similar scheme;
· disobeys any policy or regulations established from time
to time regarding use of this site or any networks connected to
this site; or
· contains hyper-links to other sites that contain content
that falls within the descriptions set forth above. Although
under no obligation to do so, our Company reserves the right to
monitor use of this site to determine compliance with these
Terms of Use, as well the right to remove or refuse any
information for any reason. Notwithstanding these rights, you
remain solely responsible for the content of your
submissions.
You acknowledge and agree that neither Company nor any third
party that provides Content to Company will assume or have any
liability for any action or inaction by Company or such third
party with respect to any submission.
Security
Any passwords used for this site are for individual use
only. You will be responsible for the security of your password
(if any). Company will be entitled to monitor your password
and, at its discretion, require you to change it. If you use a
password that Company considers insecure, Company will be
entitled to require the password to be changed and/or terminate
your account.
You are prohibited from using any services or facilities
provided in connection with this site to compromise security or
tamper with system resources and/or accounts. The use or
distribution of tools designed for compromising security (e.g.,
password guessing programs, cracking tools or network probing
tools) is strictly prohibited. If you become involved in any
violation of system security, Company reserves the right to
release your details to system administrators at other sites in
order to assist them in resolving security incidents. Company
reserves the right to investigate suspected violations of these
Terms of Use.
Company reserves the right to fully cooperate with any law
enforcement authorities or court order requesting or directing
Company to disclose the identity of anyone posting any e-mail
messages, or publishing or otherwise making available any
materials that are believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS
COMPANY FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY
COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM
ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER
[COMPANY] OR LAW ENFORCEMENT AUTHORITIES.
Miscellaneous
These Terms of Use will be governed and interpreted pursuant
to the laws of California, United States of America,
notwithstanding any principles of conflicts of law. You
specifically consent to personal jurisdiction in California in
connection with any dispute between you and Company arising out
of these Terms of Use or pertaining to the subject matter
hereof. The parties to these Terms of Use each agree that the
exclusive venue for any dispute between the parties arising out
of these Terms of Use or pertaining to the subject matter of
these Terms of Use will be in the state and federal courts in
Auburn, California. If any part of these Terms of Use is
unlawful, void or unenforceable, that part will be deemed
severable and will not affect the validity and enforceability
of any remaining provisions. These Terms of Use constitute the
entire agreement among the parties relating to this subject
matter. Notwithstanding the foregoing, any additional terms and
conditions on this site will govern the items to which they
pertain. Company may revise these Terms of Use at any time by
updating this posting.
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