Privacy Policy

Your privacy is important to us. This Privacy Policy explains how we collect and use data that we may collect as part of your use of our services. This Privacy Policy does not apply to information that may be collected offline. We may revise or update this Privacy Policy from time to time, so you should refer back to this page often for the latest information.

As a general rule, we gather the minimum information from you necessary to facilitate transactions, to improve this website and your customer experience, and to make future visits to this website easier and more personalized for you. We have based our privacy policy on the four widely-accepted fair information practices identified by the U.S. Federal Trade Commission: notice, choice, access and security.

1. What We Collect

We collect personally identifiable information from you for a limited number of specific purposes. These purposes include providing you with services, billing for services, assisting you with services, providing information to you, conducting transactions, and providing you with other information and opportunities and services that may be of interest to you.

During your user session, we automatically collect standard browser-related technical data that does not include your personal information. We also collect and track aggregate information on your activity to help us analyze traffic flows and improve the performance of our services.

We also collect facts which personally identify you in connection with establishing and maintaining your user account. We collect the following information: names, addresses, telephone numbers, e-mail addresses, and all other personally identifiable information you affirmatively provide to us, such as user names and passwords.

We also may use cookies, small files placed on your hard drive, to give us more information about your usage of our website and to provide a more personalized experience. The use of cookies has become a standard in the industry, especially at websites that provide any kind of personalized service.

Cookies may also be placed by third parties during your visit to the website. Our affiliates, advertisers and marketing or other business partners may use these cookies. We do not control these cookies.

Some customers may decide to allow us and/or certain of our strategic business partners to contact them by e-mail or telephone. We may use your e-mail address or telephone number to keep you updated on special promotions. In addition, if you give us permission to share your e-mail address with strategic business partners, these business partners may contact you with a variety of offers that may be of interest to you.

We may also request other personally identifiable information from you generally in order to facilitate a transaction or you may affirmatively provide us with information. If you send us an e-mail from our website or you affirmatively provide us with information beyond what we request, we will treat such information as having your consent to collect, retain and use the information for purposes reasonably associated with the purpose for which you provided the information.

We may also gather information about your transactions and, as permitted by applicable law, information we receive from credit reporting bureaus and other third parties, such as credit history. This information may include credit card numbers and driver's license numbers.

2. Who Collects This Information

We collect the user information described above by means of your use of our website and the features of our website.

While you are using our website, you may be linked or directed to other third party websites outside our website that are beyond our control. For example, you might click on a hyperlink that will take you off our website. Each of these third party websites may have a privacy policy different from our privacy policy. You should review the applicable privacy policies of these other websites before providing personally identifiable information in connection with these websites. We are not responsible for any actions or policies of such third parties. Business partners who may have any opportunity to access any of our customer data must agree to confidentiality provisions that limit disclosure and use of the data.

3. How Collected Information Is Used

In general, we use collected information for billing and credit purposes, to market and provide services and/or products, to anticipate and resolve problems with your service, or to create and inform you of products or services that better meet your needs. We also use collected information to learn more about how visitors use our website and to measure areas of interest in order to provide features and improve the functionality of our website. If you so choose, information you provide might also be used to send you e-mails about special promotions, new features and services or products. We also use the information we collect to respond to e-mails, provide customer support and for similar business purposes.

Data collected online may also be combined or merged with information you provide to us by means other than our website. Aggregate information (information that is not personally identifiable) obtained from the operation of our website is also used to help us run and maintain our website, study traffic patterns and generally learn about the usage of our website.

We attempt to retain information we collect for commercially reasonable periods of time or in accordance with specific policies or as required by law.

4. Information Sharing

Except as otherwise provided in this Privacy Policy, we will not sell, exchange or rent any personally identifiable information about you that we obtain by means of our website to or with companies or organizations not affiliated with us that would use the information to contact you about their own or others' products and services unless we have your permission. We may, however, provide information to marketing companies to assist us in offering products or services to you, to third party financial institutions with which we have joint marketing agreements, and to business partners and third parties which assist us in providing content, products and services, providing backend processing services and/or handling transactions. Such companies, including those in the United States and/or any other countries, are governed by appropriate confidentiality obligations.

We may also disclose your information without your prior consent (1) in special cases when we have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, customers or other users of our website, or anyone else who could be harmed by such activities, (2) when we believe in good faith that the law requires it, and/or (3) subject to confidentiality agreements, for administrative or other business purposes as we deem appropriate to maintain and improve our services, and/or to facilitate transactions or collect amounts due, including sharing information with credit bureaus.

Aggregate information (without personally identifiable information) may be used for internal business purposes, marketing purposes or shared with third parties for our business purposes.

Please be aware that advertisers and third party websites linked from our website may collect personally identifiable information and are not covered by this Privacy Policy. You will need to review the applicable privacy policies. We shall have no liability for the privacy policies of third party websites and advertisers.

5. Choices You Can Make About Your Information

We generally give you a number of choices about the collection, use and distribution of your information. We will give you an opportunity to "opt-out" of the gathering of your personally identifiable information, specific uses of your personally identifiable information and any marketing mailings in accordance with the procedures set out in the section below on "Correcting and Changing Your Information." By adjusting the settings in your browser, you can refuse to accept cookies or give yourself the opportunity to accept or reject cookies, or receive notice of cookies. Software programs are available that block cookies. Refusing cookies may impinge on your user experience by eliminating personalization or other features.

Persons outside the United States and non-U.S, citizens are advised that we may transfer or store information on servers located in the United States or elsewhere and that the privacy laws of the United States may not be as comprehensive or offer as much protection as the laws of other countries.

6. Children's Privacy

Our services do not target children. We abide by the Children's Online Privacy Protection Act and will not knowingly collect personally identifiable information from children under age 13. We recommend that parents actively participate in their children's use of the Internet.

7. Correcting or Changing Your Information

We are concerned about the accuracy, currency and completeness of the information we collect and make efforts we deem appropriate to ensure that the information we have is accurate and up-to-date. If you want to amend, correct, update, delete or opt-out of your registration information to which you have previously opted-in or wish to review information we have collected about you, please contact us via e-mail at ., and we will attend to your request and make any necessary revisions. This provision applies ordy to personally identifiable information collected via our website, not to information that is not personally identifiable that may be gathered by cookies or from IP addresses or to aggregate information. We reserve the right not to allow access to your information if the expense and burden of providing access would be disproportionate to the risks to your privacy or if the rights of another individual might be violated.

8. Security Procedures

We are concerned with the security of your personally identifiable information and try to provide secure transmission of your information from your PC to our website. Unfortunately, no data transmission over the Internet can be guaranteed to be absolutely secure. As a result, while we strive to protect your personal information, we cannot guarantee the security of any information transmitted over the Intemet. Once we receive your information, we take steps that we believe are reasonably appropriate to protect the security of your data, in electronic and paper form, both internally and from outsiders, from loss, misuse, unauthorized access, disclosure, alteration and destruction, and to ensure the integrity of the data we collect. We use a combination of technological, physical, administrative and policy methods as well as organizational controls and non-disclosure or confidentiality agreements as we deem appropriate to protect this data.

If you have a user name and password for any of the features on our website, you have the responsibility of keeping your password secret. You should not reveal your password to anyone. We will not ask you in an unsolicited telephone call or e-mail for your password. In addition, you should take reasonable precautions when using a computer that is not your own or in a public setting.

9. Changes in Terms

We may change this Privacy Policy from time to time. We will post notices on our website at the time of any material changes to this Privacy Policy.

10. Contacting Us

If you have any specific questions regarding any issues about privacy on our website, please contact us at

11. Applicable Law

Our collection and use of information may be governed by laws of the United States, state law or the laws of other countries. To the extent these laws are applicable, we will comply with applicable privacy and data laws.

12. Consent

By using our services and providing personally identifiable information about yourself, you consent to (1) our collection and use of data as described in this Privacy Policy to the extent that you have not opted out of any such collection and/or use through the methods described in this Privacy Policy, (2) the notice, choice, access and security we are providing, and (3) the methods we have described to notify you of changes to this Privacy Policy.