PRIVACY STATEMENT

I am committed to safeguarding your privacy online. Please read the following statement to understand how your personal information will be treated as you make full use of my web site. If you have any questions regarding our privacy statement, please feel free to contact me by phone or email.

Gathering of Information

Voluntary Submission

I do not collect personally identifying information about any individual web site user except when knowingly provided by such individual. For example, I may ask you for information when you register for a contest or survey or to receive a newsletter. You always have the option not to provide the information I request. If you choose not to provide the information I request, you can still visit most of my web site, but you may be unable to access certain options and services.

Cookies

A cookie is a data file that certain web sites write to your computer’s hard drive when you visit such sites. A cookie file can contain information, such as a user identification code, that the site uses to track the pages you have visited. I use cookies solely to enable enhanced features for my web site. I use this data on an anonymous basis and I do not correlate this information with personal data of any user.

Most Web site browsers automatically accept cookies, but you can usually change your browser settings to display a warning before accepting a cookie, or to refuse all cookies. However, if you choose to disable the receipt of cookies from my web site, you may not be able to use certain features of the site.

Browser Level Information

My web server automatically collect information about a site user’s IP address, browser type and referrer by reading this information from the user’s browser (information provided by every user’s browser). This information is collected in a database and used--in an aggregated, anonymous manner--in my internal analysis of traffic patterns within my web site. This information is automatically logged by most web sites.

Use of Information

My primary goal in collecting user information is to provide financial services directly to you and to enhance your experience on my web site. I achieve this goal by, among other things, providing interactive communications such as my calculators, forms and electronic newsletters to the e-mail address that you provide to me, and developing future promotions based on your interests. To develop content targeted to your interests, I use aggregated user information to determine which areas of my web site users prefer based upon traffic to those areas. I do not track what individual users read, but instead how well each page or content area performs overall.

I do not share your identifying or financial information with any 3rd parties without your prior knowledge and consent. These 3rd parties include credit bureaus, institutional lenders, and other financial institutions that may assist with your financial needs.

I may disclose information about my users when I believe, in good faith, that the disclosure is required by law.

Please be aware that my sponsors, advertisers or web sites that have links on my site may collect personally identifiable information about you. The information practices of those parties and web sites linked to mine are not covered by this privacy statement. My users should also be aware that, when you voluntarily disclose personal information in chat areas or bulletin boards, that information may be collected by others and may result in unsolicited messages from others.

Kids under 13

Do not send any information about yourself to me--including information such as your name, address, or e-mail address. I do not knowingly collect personally identifiable information from children under 13. In the event that I learn I have collected any personal information from a child under the age of 13 without verification of parental consent, I will delete that information from my database as quickly as possible.

E-Mail

I respect the privacy of my readers and shall not disclose, distribute or rent the e-mail address of subscriber newsletter list to any third party, nor shall it permit anyone else to do so.

How to Contact Me

If you have any questions regarding my privacy statement, please feel free to contact me by email or phone.

This statement may change periodically, so please check back on occasion.