Our Privacy Policy

[You are welcome to copy any or all of this Privacy Policy and tailor it for your site, but use care - most other sites will have differing requirements and therefore the Policy will need to be amended accordingly.]


Information this Site Collects

Required Information To Join Our Program

Prospective members must submit their name, address, phone number, and e-mail address. To take advantage of fee payment by credit card, consumers must submit credit card or bank account information. Required information is necessary for us to process transactions, protect you against credit card or bank account fraud and allows us to contact you should the need arise. Currently, for all payments transactions, we use the specialist services of Kagi Payments Systems of California - they also have a strict privacy policy which you can vet at their site

Financial Transaction Information

To process transactions, our payments partner Kagi collects information related to each transaction, such as the amount and the necessary identifying information, including the account numbers or e-mail addresses of the parties involved. Kagi offers high level SSL (Secure Socket Layer) encryption technology to protect sensitive data during an on-line transaction.

Questionnaires, Surveys and Profile Data

We may offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' views, interests and needs. The use of the information collected will be explained in the survey itself.

Aggregate Statistical Information

We may collect aggregated statistical information for purposes of improving our services. This data does not contain personally identifying information, such as name or e-mail address.


Our Use of Information

Internal Uses

We use data collected on our website in order to 1) provide our financial services, 2) provide customer service, and 3) improve our product. We give access to individually identifiable information about our users only to those employees who require it to fulfill client service requests.

Disclosure to Third Parties

We will not give third parties Individually Identifiable Information about users except for the limited purposes described below.
a) whenever it is necessary or appropriate to comply with the law or legal process, to protect our systems and members, or to ensure the integrity and operation of our business and systems.
b) we are compelled to do so by order of a duly-empowered governmental authority.
c) we have the express permission of the member
d) we are required to disclose it in order to process transactions.

We may share aggregated statistical data with our business partners or the general public. For example, we may tell the general public that 10% of our members live in California - but this would only be aggregated statistical data and never Individually Identifiable Information.

Internet Information

We use IP addresses to analyze trends, administer the site and gather broad demographic information for aggregate use.

Use of Cookies

We do not use cookies currently, should that policy change then this Privacy Policy will change to reflect that.

Our Right to Publish Your Web Site Address

In accordance with the legal Agreement that all members consent to abide by when joining, we have a right to publish on our site the web site addresses (URLs) of expelled members.

Corrections and Updates

Members can update the limited information we hold on them by e-mailing us.

Notification of Changes

This Privacy Policy may be revised over time as new features are added to the website. We will post those changes prominently so that you will always know what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check this site for information about revisions to our privacy policy.

Contacting us

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can e-mail us at anytime and we will reply to your questions or concerns promptly.