We will describe in plain English what personal information we collect, how we protect it, and what we may do with it. And we will honor our business relationships with other companies that restrict the sharing of personal information with others. We will give you additional disclosures or obtain your authorization when required by applicable law.
We may obtain information to provide you products and services you have requested, to service your membership and as we deem appropriate, to determine your eligibility for products or services. We may collect identification, contact, transaction and experience information from applications, and from transactions with us. Examples of the sources and types of information we may collect include: applications, registration forms, or other forms containing your name, address, telephone number and email address.
Disclosures to service providers
We may disclose contact information that we collect, to companies that provide services on our behalf.
Disclosures permitted by law
We may also disclose information required by law. For example, we may disclose information to law enforcement agencies or state regulatory authorities.
Gramm Leach Bliley Act
We comply fully with the Gramm Leach Bliley Act which was designed to protect the confidentiality of customers' nonpublic personal information and to communicate applicable provisions of such privacy program with customers.
Our security procedures
Online information and collection
You can visit us on the web without revealing any additional information about yourself, including your email address. In this case, our web servers only collect the name of the domain you used to access the Internet, such as "aol.com" or "msn.com," and the website you came from.
We also monitor site performance to make the site easier and more convenient to use. We may aggregate statistics that we gather about our customers, sales, traffic patterns, and services, and provide these statistics to third parties. When we provide these statistics to third parties, however, they will not include any personal information that identifies you.
Links to other websites
Information from children
We do not knowingly solicit information from children and we do not intentionally market our products or services to children.
Occasionally, we may send you email communications with information that may be useful to you, including information about our products and services or about offerings or third parties. You will be given the option of not receiving any such email messages, if you choose.
We use encryption and authentication tools to protect information we gather on our website. Email communications outside of our website, however, may not be protected. Instead of sending us an email communication which includes highly confidential information, such as a credit card number, you may want to call us or send it by regular mail.
In some cases, you may be able to update certain information that you provided to us. This may require you to use a unique user name and password. Also, where the capability exists, you may request that we modify or delete information we have gathered during your visit to our website.
As a visitor to our website, you may have access to certain features without revealing any additional information about yourself. We will not gather any information about you when you are using these features. We may require you to become a registered member in order to gain access to and use other features. Once you become a registered member, we may collect personal information when you use our website.
This notice may be required by law in some areas. In order to exercise certain rights provided by law, you may need to take further action.