Information Collection & Use
In order to use this Web site, we may ask you to complete a registration form [and/or create a user name and password]. During registration you disclose your contact information (such as name and email address). We use this information to contact you about the services on our site in which you have expressed interest.
You have the option to provide demographic information (such as income level and gender) to us; we encourage you to submit this information so we can provide you a more personalized experience on our site. For example, by using this information we can provide you with newsletters, updates, and e-mails regarding matters which are relevant and useful to you.
We are the sole owner of the information collected on our site. We collect personally identifiable information from our users at several different points on our Web site.Orders
If you purchase a product or service from us, we request certain personally identifiable information from you on our order form. You must provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date).
We use this information for billing purposes and to fill your orders. If we have trouble processing an order, we will use this information to contact you. Additionally, if you so choose, you may receive updates from our site.Application Forms
If you apply for any of our products or those of our affiliates or simply request information regarding products promoted on our site, we require that you provide certain personally identifiable information, including your name, address, phone number, credit card number [and sometimes your Social Security number]. This information is necessary to process your application and to contact you.Social Security Numbers
Although we attempt to do so on a strictly necessary basis, we do, at times, require your social security number in furtherance of providing loan services. When you enter your social security number on our site, we encrypt it using secure socket layer technology (SSL).Surveys or Contests
We may provide you the opportunity to participate in contests or surveys on our site. If you participate, we will request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code).
This information is used to notify contest winners, track traffic, personalize user experience and to keep our customers up to date regarding company and industry news.
If you choose to use our referral service, we may ask you for your friend’s name and email address. We may send your friend a one-time email inviting him or her to visit the site. We store this information for the sole purpose of sending email and tracking the success of our referral program. Our e-mail will contain an easy opportunity for your friend to contact us to request that we remove this information from our database.
How Collected Information is Used
Aside from the ways mentioned above, we sometimes use your personally identifiable information in many ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By "promotional materials," we mean communications that directly promote the use of Web sites, or the purchase of products or services.). However, you may "opt-out" of certain uses of your personal information.
Communications from the SiteSpecial Offers and Updates
We will occasionally send you information on products, services, special deals, promotions.
Out of respect for your privacy, we present the option not to receive these types of communications. Please see the “Choice and Opt-out.”Newsletters
If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you. Out of respect for your privacy, we provide you a way to unsubscribe. Please see the “Choice and Opt-out” section.Service-related Announcements
We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email.
Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account. [You may opt-out of these communications. Please see “Choice and Opt-out.”]Customer Service
Based upon the personally identifiable information you provide us, we will send you a welcoming email. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.Profile
We may store information that we collect through cookies, log files, clear gifs, [and/or third party sources] to create a “profile” of your preferences. We may tie your personally identifiable information, and your purchasing history, to information in the profile, in order to provide tailored promotions and marketing offers and to improve the content of the site for you.
We sometimes share your profile with other third parties who, according to your history with us, may provide useful opportunities to you.Supplementation of Information
In order to provide certain services to you, we may on occasion supplement the personal information you submitted to us with information from third party sources.
Information Sharing and DisclosureAggregate Information (non-personally identifiable)
We share aggregated demographic information about our user base with our partners and advertisers. This information does not identify individual users. We do not link aggregate user data with personally identifiable information.Personally identifiable information:
Although we do share demographic information for the purposes of assisting you meet your needs and interests, we do not share Personally Identifiable Information with Third Parties. We provide opt out opportunities with regard to all information sharing practices.Agents
We use an outside shipping company to fulfill orders, and a credit card processing company to bill you for goods and services. These companies do not retain, share, store or use personally identifiable information for any other purposes.Service Providers
We use other third parties to provide certain clerical and information processing and shipping services on our site. When you sign up for our services, we will share only as much information as is necessary for the provision of those services.
These third parties are prohibited from using your personally identifiable information for any other purpose.Legal Disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site
We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can call us or email us as per the information contained on our contact page and indicate your preference.
If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by, if applicable, following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.
You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We may use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We do not link this automatically-collected data to personally identifiable information.
We may use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser.
We can at your option set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.
Clear Gifs (Web Beacons/Web Bugs)
We may employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that helps us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.
We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see “Choice and Opt-out.”
Third Party Advertisers
The ads appearing on this Web site are delivered to users by our advertising partner. We may share Web site usage information about users with a reputable third party for the purpose of targeting our Internet banner advertisements on this site. The information collected and shared through this technology is not personally identifiable.
Links to Other Sites
This Web site may contain links to other sites that are not owned or controlled by us. Please be aware that we are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information.
This privacy statement applies only to information collected by this Web site.
We are co-branded with “partners and affiliates”. These business to business relationships are helpful to us and to you as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.
Bulletin Boards/Chat Rooms
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate same by emailing or calling us per the information contained on our contact page or postal mail at 3015 North Ocean Boulevard, Suite 121, Fort Lauderdale, FL 33308, Attn: Customer Service.
The security of your personal information is important to us. When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).
We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about security on our Web site, please feel free to e-mail us.
In the event we go through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site of any such change in ownership or control of your personal information.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.