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Our Privacy Policy


This Privacy Policy ("Policy") relates the practices of this ("Site") as regards the personal data we get about you, our dear site visitors. By using any of the websites featured on this Site, or using our featured services ("Services"), you are thereby accepting the procedures documented in this Policy.

This Policy informs you of the following:

  • a. which personal information about you is obtained when you visit the this Site website and/or use the Services;
  • b. how the data is collected;
  • c. how the data is utilized and shared;
  • d. this Site's efforts to ensure the security of Sensitive Information; and
  • e. other pertinent information regarding your personal information and our policies.
Note, however, that this Policy does not apply to the practices of firms that this Site does not possess or control, or to people that we do not hire or manage. The data outlined in this Policy may be modified or updated without notification at any given time.

1. Data Collection and Utilization

Data or information obtained is stored in a single, secure database that is accessible only by this Site. Site gathers data from paying members ("Members") or others who use, try to use, or access this Site's Services ("Users"):

  • data obtained by analyzing page views and user navigation patterns;
  • data that Users provide directly when they use any of listed Services. [Site uses page view and navigation information to make sure that Users locate the information they want on our Site (and featured web sites) as quickly as possible. Site uses the information data obtained when users upload documents to check their qualifications and confirm their identity, as well as for billing purposes.]
  • Certain other Services may call for the collection of personal information and/or registration. These Services include, but are not limited to, subscribing to our free reports, newsletters, e-zines, and others. If you decide not to sign up and provide personal information, you will not gain to those areas or products that require you to register.
2. Methods we use for gathering information: Usage Tracking

this Site studies user traffic patterns throughout its Sites. We do not try to confirm individual visitors to our web sites, but we may gather information on general types of users based on domain name or browser type. This data is collected directly from the user's web browser identification data.

3. this Site's Services

When one registers for any type of Service, the user may be asked to give certain data, including, but not limited to, name, address, zip code, telephone number, email address, credit card or checking account number, and credit card expiration date.

All of this is to enable this Site to recognize you as a valid user or Member. Once you register with us, you are not anonymous to us anymore.

4. Cookies

A cookie is defined as a short line of text that is created by a web site and kept in a file on your PC. Cookies are utilized to collect data about your preferences and activities during and after your access of a particular web site.

Cookies are also popularly utilized in e-commerce applications to keep tabs on which items a user has chosen to buy. Note that cookies cannot obtain any data from your computer other than information which you choose to provide or that which is given routinely by your browser software.

Note too that a user has the right and capability to deny or remove cookies. However, such denial or deletion may stop the user from properly accessing the site's cookie-dependent features.

5. Use of Information

Information gathered by this Site is generally used for the following objectives.

  • a. To create features for users that will give easier access to services on our site. This includes quicker search requests, improved member support and timely notice of new services and special offers.
  • b. To enhance our marketing and promotional efforts, to study site usage, improve our content and product offerings, and customize our site's content, layout, and services. These uses enhance our Services and better shape them to meet user needs.
  • c. To settle disputes, troubleshoot problems and enforce our Terms and Conditions of Use. At certain times, we may go over several members or users to spot problems or resolve disputes, and in particular, we may study data to find out members using multiple Member Ids or aliases.
  • d. Sharing of Information. Except as otherwise stated herein, the data we gather from you is shared with our marketing partners or other third parties. We may utilize the personal data that you provide to us and we may work with other third parties to bring chosen retail opportunities to you via direct mail, email and telemarketing.
The Site may sell or rent compiled statistical data and user, member or former member specific information, including name, address, telephone number and payment information, to our marketing partners or other third-parties.

If you want this Site to end sharing data it has about you in the future, please inform us of this by contacting the Site's Member Services department.

We reserve the right to reveal personal information, including Sensitive Information, when we believe that such disclosure is suitable to comply with the law or a request by a government official, to protect the rights or property of this Site, or to enforce our Terms and Conditions of Use.

In the event that Site or substantially all of its assets are obtained by a third party, member data and Sensitive Information may be part of transferred assets.

6. Agents

this Site employs other firms and individuals to do functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, deleting recurring data from member lists, studying data, providing marketing assistance, fulfilling credit card payments, and providing member services. These firms and individuals have access to personal and Sensitive Information required to adequately perform their duties, but may not utilize it for any other objective.

7. Special Offers and Announcements

this Site dispatches to all new members a welcoming email or some other notification to confirm password and username. Current members and former members will every now and then get data on products, services, special deals, and a newsletter.

8. Security

The Site actively takes every safety measure to protect our users and members' Sensitive Information, both online and offline. Your Sensitive Information is password-protected for your privacy and security.

Sensitive Information is also protected offline in our offices. Only staff who require information to adequately perform a specific task (for instance, sending an invoice) are given access to Sensitive Information.

All staff is well-informed of our security practices and any modifications of those practices. Lastly, the Site's servers, where Sensitive Information is kept, are kept in a secure environment. If you have any questions about the security at our this Site, please do Contact Us.

Every User who has an account on this Site is responsible for...

  • a. keeping his or her account password confidential and secure;
  • b. limiting access to his or her computer; and
  • c. maintaining the e-mail address associated with that account current.
9. Other Sites

The Site forwards users and members to other sites. Please be aware that this Site is not responsible for the business and privacy practices of these other sites. We encourage you to be aware of this when you leave our site and to make yourself aware of the legal notices and privacy policies of each and every website you visit.

10. Modification/Updating Personal Information

If a Members' personal data changes, we shall do our best to offer means to correct or update that member's personal information (as provided to us). This can usually be done by contacting our Member Services Department.

11. Notification of Changes

If we elect to modify this Policy, we will announce these changes on this website or send other means of notification so our users and members are always kept up-to-date as regards what data we collect, how we utilize it, and when we disclose it.

12. Children's Online Privacy Protection

this Site caters to general users of the World Wide Web. This Site is meant for adult or adult-supervised use.

We champion and observe the Children's Online Protection Act (COPPA) and as such, note that we do not intentionally gather data from children under the age of 13, nor do we disclose such data with third parties.

UNDER NO CIRCUMSTANCES ARE PERSONS 13 YEARS OF AGE OR BELOW ALLOWED TO PROVIDE CONTACT, DEMOGRAPHIC OR BILLING INFORMATION.

Children under the age of 18 may utilize this Site only with the supervision of a parent or guardian.