Privacy Policy

Online Privacy

We understand the concerns Internet users have about the privacy and security of information. This policy tells you about our policies for protecting privacy and security of information collected on this website.

Information Gathered

We gather information about website visitors to improve the caliber of online information and services offered. There are two forms of data that we collect on the website: Site Visitorship Data and Personal Information Data. How we collect this information and what we do with it is discussed below.

Site Visitorship Data

We routinely gather data on website activity. This information, "Site Visitorship Data," is collected on an aggregate basis on public areas of our website, or on an individual basis on the password protected areas of our website that require visitors to log on using an access code (e.g., userID and/or password). Site Visitorship Data may include information such as (i) how many people visit our website; (ii) the pages they visit and the features they use; (iii) how long they stay on our website; and (iv) the domain name of the Internet website from which visitors are connecting. Site Visitorship Data is generally gathered through the use of cookies and pixel tags.

A "cookie" is a small piece of information that an Internet site sends to a visitor's computer. In some cases, it is stored on the visitor's hard drive. Cookies can save the visitor's name, access codes, screen preferences, the pages of the site viewed by the visitor, and the advertisements viewed or clicked by the visitor. Visitors may decline receipt of the Internet cookie by using the appropriate feature of their Web software, if available. Declining the Internet cookie may, however, interfere with a visitor's ability to view certain content in our website.

A "pixel tag" is an invisible tag placed on certain pages of our website and is used to track an individual user's activity on the password protected areas of our website. A pixel tag is also known as a "clear gif."

Personal Information Data

We collect Personal Information Data such as name, address, phone number, email address, etc. that website visitors provide when they complete any online form, application, survey, or when they initiate a contact request. If you would like to modify any information that you gave us on a form you can do so by completing the Update Profile form and submitting it.

Information provided in a request for service or information may be provided to . and its affiliates.

Reasons for Gathering of Information

Information is collected by us on this website for a variety of purposes, including:

We may also disclose the information we collect to third parties as is required, usual, appropriate or acceptable to help us manage or administer our business, to regulators or as required or permitted by law.

Collection of Personal Information From Children

This website is not directed toward children. We do not knowingly collect or post information from children under the age of eighteen (18). We encourage parents and guardians to spend time online with their children and to participate with them in the various interactive activities available on the Internet.

E-mail

To protect against and to correct misunderstandings, we may monitor electronic communications conducted with us. Further, we may send you messages regarding your account, our policies, or other business matters. To ensure you receive these messages, please be sure to include our email address in your online address book to minimize the chance that your e-mail provider inadvertently blocks our e-mails to you.

From time to time, we may also send you messages through email regarding our products and services or regarding the products and services of selected affiliates. If you do not wish to receive e-mail from us, you may "opt-out" by using the Unsubscribe Me feature in each communication. Note that since this process is automated, we will not respond. Please allow 2 weeks for your name to be removed from our database.

On occasion, our affiliates may contact you directly. If you do not wish to receive communications from them, you must notify them directly.

Hyperlinks

This website may contain hyperlinks or "links," to and from other Internet sites. These sites may have different privacy practices from the ones described here. Since this Internet Privacy Policy applies solely to this website, please remember to read the privacy statements of the other Internet sites you visit.

Security Standards

We work hard to ensure that our systems are secure and that they meet industry standards. Where appropriate, we employ firewalls, encryption technology, user access codes (e.g., userIDs and passwords) and other access control mechanisms to control access to systems and data. We continue to assess new technology to evaluate its ability to provide additional protection of personal information we collect on this site.

Limitation of Liability

specifically disclaims any liability, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to or use of the site, even if has been advised of the possibility of such damages, including liability in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the web site or viruses, whether caused in whole or in part by negligence, acts of god, telecommunications failure, theft or destruction of, or unauthorized access to, the web site, software, or related information, records or programs.

Internet Privacy Policy

This policy is effective as of October 1, 2004. We reserve the right to change this Internet Privacy Policy at any time. Changes will be effective immediately upon posting to our website. We recommend that visitors to our website re-visit this Internet Privacy Policy on occasion to learn of changes to our privacy practices and policies.

Contact

It is important to us to hear what visitors have to say about our website, our services, or any other issues. If you have any questions and/or concerns, or want to let us know what you think, please use information provided on the Contact page.