Thank you for visiting the YourFinancialWatchdog.com Web site (hereinafter “the Site” or “YourFinancialWatchdog.com”) and reviewing our Privacy Policy, effective March 19, 2008. We take your privacy very seriously and are committed to safeguarding your privacy online. Please read the following policy to understand how your personal information will be treated as you use YourFinancialWatchdog.com.

Overview
This Privacy Policy (hereinafter “Policy”) governs your use of YourFinancialWatchdog.com and describes the information we collect from you and what may happen to that information. For example, this Policy will let you know what information we collect from you; what cookies are and how they are used; how your information is used; who is collecting your information; with whom your information may be shared; what options are available to you regarding collection, use, and distribution of your information; the types of security precautions in place to protect against loss, misuse, or alteration of your information; how we protect children’s privacy; and what else you should know about your online privacy.

Please note that we review our privacy practices from time to time, and that our practices are subject to change. We ask that you bookmark and periodically review this page to ensure continuing familiarity with the most current version of our Privacy Policy. All amended terms shall be automatically effective after they are posted on the Site.

By visiting the Site, you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not use or access the Site.

What Personally Identifiable Information does YourFinancialWatchdog.com collect?
The primary purpose of collecting information from you is to process your purchases from us and deliver your purchases to you. We will only collect information about you that we consider necessary to achieve this purpose.

Generally, YourFinancialWatchdog.com collects personally identifiable information in two ways. Some information is gathered when you purchase from us. This includes your name, address, email address, credit card information, and related information needed to process your transaction. Where possible, we indicate which fields are required and which fields are optional. We also collect personal information when you report a problem or issue with our services through the Site’s contact form. If you contact YourFinancialWatchdog.com, we may keep a record of that correspondence.

Wherever YourFinancialWatchdog.com collects personal information we make an effort to include a link to this Privacy Policy on that page.

What are IP Addresses and how does YourFinancialWatchdog.com use them?
When your web browser requests a web page from another computer on the Internet, such as YourFinancialWatchdog.com, it automatically gives that computer the address where it should send the information. This is called your computer's "IP address." (IP stands for "Internet protocol.") For many users accessing the Internet, the IP address will be different every time you log on. We record the IP Addresses that access YourFinancialWatchdog.com along with related information such as your browser type and operating system. This information helps us, in part, learn about the geographical distribution of our website visitors and the technology they use to access our site so that we can improve our Site.

What are “cookies” and how does YourFinancialWatchdog.com use them?
Data collection devices, such as “cookies,” are used to store, and sometimes track, information about you. Generally, these cookies help provide personalized services and promote trust and safety. A cookie is a small file containing a small amount of data that is sent to your browser from a web server and placed on your computer’s hard drive to assist us in providing our services. Cookies are only read by the server that placed them and are unable to execute any code or virus. Most cookies are “session cookies,” and are automatically deleted from your hard drive at the end of a session.

More specifically, we use cookies to provide you with coupons and to deliver to you a more personalized service. We also may use cookies to measure your visiting patterns in the aggregate. We use this research to understand how our users’ habits are similar or different from one another so that we can make each new experience on YourFinancialWatchdog.com a better one. We may also use this information to better personalize the content, banners, and promotions that you and other users will see on our Site. You are always free to decline our cookies if you wish and if your browser permits, however please know that doing so may interfere with the proper functioning of certain parts of our Site.

How does YourFinancialWatchdog.com use my information?
YourFinancialWatchdog.com uses your information to provide you with the products that you purchase and to provide you with a customized website experience. We may also use your personal information to communicate with you via email if you choose to receive our email newsletter or we need to contact you for other reasons; resolve disputes; troubleshoot problems; detect and protect against error, fraud, or other criminal activity; and enforce our Terms of Use Agreement.

Who is collecting information?
When you are using the Site and are asked for personal information, you are sharing that information with YourFinancialWatchdog.com alone, unless we specifically state otherwise. We do not sell or rent your information to third parties.

Please be advised that YourFinancialWatchdog.com advertisers, sponsors, or Web sites that have links on our Site may collect personally identifiable information about you when you interact with them. The information practices of those Web sites linked to YourFinancialWatchdog.com are not covered by this privacy statement and you should be sure to check the policies of those Web sites to before disclosing your personal information to them.

With whom does YourFinancialWatchdog.com share my information?
We understand that your privacy is an important issue. Generally, YourFinancialWatchdog.com will not disclose your personally identifiable information unless we have your permission or under special circumstances, such as those described below.

When the Law Requires it: If we receive a subpoena, court order, or other legal process that requires that we disclose information about a User, we have no choice but to comply with it and will disclose the required information.

Third Party Data & Data in the Aggregate: Aggregate data (data gathered across all user accounts) may be gathered in a non-personally identifiable form to build higher quality, more useful online services by performing statistical analyses of the collective characteristics and behavior of our visitors, and by measuring demographics and interests regarding specific areas and services of the Site. Aggregate data may be disclosed in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. However, no personal information that could be used to identify you personally is disclosed in these situations.

Third-Party Service Providers: We may employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, sending e-mail, analyzing data, providing marketing assistance, and processing credit card payments. They have access to personal information needed to perform their functions, but may not use it for other purposes. In addition, separate services may be offered by third parties, also known as external service providers. If you choose to use these services, disclose information to these parties, and/or grant them permission to collect information about you, their privacy policy governs the use of your information.

Business Transaction: YourFinancialWatchdog.com reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third party in the event of a sale or other transfer of assets or of any portion of our business. In the event YourFinancialWatchdog.com enters 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 may be among the assets transferred. You will be notified via email and prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Other: We may disclose account information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating YourFinancialWatchdog.com’s Terms of Use Agreement or may be causing injury to or interference with (either intentionally or unintentionally) YourFinancialWatchdog.com’s rights or property, other Site users, or anyone else that could be harmed by such activities. YourFinancialWatchdog.com may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our services.

We cannot ensure that all of your private communications and other personal information will never be disclosed in ways not otherwise described in this Policy. For example, as stated above, we may be forced to disclose information to the government or third parties under certain circumstances, third parties may unlawfully intercept or access transmissions or private communications, or users may abuse or misuse your personal information that they collect from the Site. We use industry standard practices to protect your privacy, however, we do not promise, and you should not expect, that your personal information or private communications will always remain private.

What are my choices regarding collection, use, and distribution of my information?
You do not have to disclose personally identifiable information to view the Site. If you choose to purchase something from us, you will need to disclose certain information as specified above to complete your transaction. YourFinancialWatchdog.com will send you email upon completing a purchase from the Site. YourFinancialWatchdog.com may also send you our email newsletter if you opt-in to receive it at the time you register. Only YourFinancialWatchdog.com, or agents working on behalf of YourFinancialWatchdog.com, will send you these emails.

How may I use other users’ information?
Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and rules regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.

What security precautions are in place to protect the loss, misuse, or alteration of my information?
Whenever the Your YourFinancialWatchdog.com handles your personal information, we take steps to ensure that your information is treated securely and in accordance with the relevant Terms and Conditions of Use Agreement and this Policy. We use procedural and mechanical safeguards to protect your personal information against loss or theft as well as unauthorized access and disclosure to protect your privacy, including encryption. Unfortunately, however, no data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

 

How are children’s privacy protected?
YourFinancialWatchdog.com is not designed or intended for persons under the age of 18 and, if you are under the age of 18, you are not authorized to use the Site, submit information to YourFinancialWatchdog.com without the permission and authorization of your parent or guardian. In addition, persons under the age of 13 are prohibited from viewing the Site or submitting any personal information to us, regardless of parental or guardian approval. We do not sell or rent personal information about any of our users, regardless of age.

Additional Information
Any questions regarding this statement should be directed to us through the use of our Contact page, which can be found at http://www.YourFinancialWatchdog.com/contact.php

This Policy is the sole authorized statement of YourFinancialWatchdog.com’s practices with respect to the online collection of personally identifiable information and the usage of such information.

Contact Us for further details.