Privacy Policy

November 15, 2012

Our Privacy Policy is designed to assist you in understanding how we collect and use the personal information you provide to us and to assist you in making informed decisions when using our website (the “Site”) and our products and services (the “Services”).

WHAT INFORMATION DO WE COLLECT?

When you visit the 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 website use information collected on an aggregate basis as you and others browse the Site.

1. Personal Information You Choose to Provide

You can generally visit the Site without revealing any personally identifiable information about yourself. However, in certain sections of the Site and when you use our Services, we may enable you to request quotes or information, complete a registration form, or perform other similar activities. Due to the nature of some of these activities, we may collect personally identifiable information that you submit such as your name, contact data (address, email address, phone number), financial information, insurance information, and other similar information. We may also collect additional personally identifiable information that you voluntarily include in your postings or transmit with your communications to us.

2. Web Site Use Information

Similar to other commercial websites, the Site utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server logs to collect information about how the 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 the Site, and the websites visited just before and just after the Site. We, our advertisers and ad serving companies may also use small technology or pieces of code to determine which advertisements and promotions users have seen and how users responded to them.

HOW DO WE USE THE INFORMATION THAT YOU PROVIDE TO US?

Broadly speaking, we use personal information for purposes of administering and expanding our business activities, providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to the Site, 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.

What are Cookies?

A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a website, 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 website 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 website to access the cookies it has already sent to you, not the cookies sent to you by other sites. Some of our business partners (e.g., advertisers) use cookies that originate from their sites. We have no access or control over those cookies.

How Do We Use Information We Collect from Cookies?

As you use the Site, the website uses its cookies to differentiate you from other users. Cookies, in conjunction with our web server’s log files, allow us to calculate the aggregate number of people visiting the Site and which parts of the Site are most popular. This helps us gather feedback in order to constantly improve the Site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.

Sharing Information with Third Parties

We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number and email for the purpose of providing you information regarding products and services that we think will be of interest to you. We also use third parties to facilitate our business, including, but not limited to, sending email and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities.

We may use your personally identifiable information to deliver the Services, to provide you (or have our third party service partners provide you) with notices regarding goods or services you may be interested in purchasing in the future, and to improve the content and general administration of the Site and our Services. We may provide your personally identifiable information and the data generated by cookies and the aggregate information to the vendors and service agencies that we may engage to assist us in providing the Services to you.

When you request a quote, make an inquiry about a loan or certain other insurance information on the Site, you are expressly choosing to, and opting-in to, have us transfer your personally identifiable information to our third party service partners, and for such third party service partners to provide your personally identifiable information to other businesses who provide financial products or services (such as loans and insurance) that match your inquiry. The third party service partners may contact you regarding your inquiry and financial products and services, but we will not contact you to offer you a loan or insurance.

As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.

Notice of New Services and Changes

Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. As our customer, you will be given the opportunity to notify us of your desire not to receive these offers.

HOW DO WE PROTECT YOUR INFORMATION?

How Do We Secure Information Transmissions?

We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration or destruction. We may use secure socket layer and other security measures to help prevent unauthorized access to your personally identifiable information.

Certain Disclosures

We may disclose your personal information if required to do so by law or subpoena or if we believe that such action is necessary to (a) conform to the law or comply with legal process served on us or affiliated parties; (b) protect and defend our rights and property, our site, the users of our site, and/or our affiliated parties; (c) act under circumstances to protect the safety of users of our site, us, or third parties.

What About Other Web Sites Linked to the Site?

We are not responsible for the practices employed by websites linked to or from the Site nor the information or content contained therein. Often links to other websites are provided solely as pointers to information on topics that may be useful to the users of the Site.

Please remember that when you use a link to go from the Site to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including websites which have a link on the Site, is subject to that website’s own rules and policies. Please read over those rules and policies before proceeding.

Your Consent

By using the Site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on the Site to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. If you have any questions or still feel uncomfortable giving this information to us online, feel free to contact us.

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