Privacy Policy


Anonymous Browsing

You can visit us on the World Wide Web without telling us who you are or revealing any information about yourself, including your e-mail address. In this case, our Web servers collect the name of the domain you used to access the Internet (such as, which pages on our Site are visited (and when they are visited), Internet browser type and platform, the link that brought you to our Site, and any links clicked within our Site. This information is used by us and our business partners to measure the number of visits, average time spent, page views, and other statistics about visitors to our Website in general. We also use this data to monitor site performance and to make the site easier and more convenient to use. None of this information can be used by us to identify you.

Personal Information Collection

There are times when we may ask you for information about yourself to assist us in meeting your various needs, including:

  • Providing you with products or services you have requested
  • Servicing your account
  • Improving our services
  • Developing and/or informing you of additional products or services that may be of interest

In these cases, your browsing will no longer be anonymous to us. To provide these services, we may need to ask you directly to provide, among other things, your name, social security number, physical address, post code, e-mail address, phone number and certain financial information. Also, you may elect to apply online for one of our products or services, which may require us to gather additional information to determine your eligibility for such products or services.

Please note that we do not knowingly solicit information from children under 18 years of age and we do not knowingly market our products or services to such children. As a result, children under 18 years of age should not use this Site.


Cookies are small pieces of data stored by your Internet browser on your computer's hard drive. If you are browsing, a cookie is used to help us measure the number of visits, average time spent, page views, and other statistics relating to our Website. This cookie by itself doesn't tell us your e-mail address or who you are. If you decide to register online or apply for additional information, products, or services from us, we may collect additional information to provide tailored offerings or content to you or to deliver such products and services. In this case, we use cookies to allow us to recognise you on subsequent visits and make your online experience and our provision of products and services more convenient.

Cookies cannot be used to get data from your hard drive, get your e-mail address or personally identifiable information about you. You may set your Internet browser to notify you when you receive a cookie or to prevent cookies from being sent. Please note, however, that by not accepting cookies, you will limit the functionality we can provide you when you visit our site and may prevent you from accessing products and services we offer.

For Netscape users, Netscape Navigator Version 4.0 began giving users the ability to control cookies. Newer versions of Microsoft's Internet Explorer have a similar capability. Refer to these companies' Web sites for additional information.

Some of our business partners use cookies on our site (for example, advertisers). However, we have no access to or control over these cookies once we have given permission for them to set cookies for advertising. This Privacy Policy covers the use of cookies by only and does not cover the use of cookies by any advertisers.


When you provide information to us, we may share your information with our affiliated companies and third parties for the purpose of fulfilling your requests as well as offering you products and services that may be of interest to you. You hereby acknowledge and provide your consent to the Operator to transfer and store your personal data across national boundaries for purposes described in this Policy. We also may provide your information to third parties in response to a request by a law enforcement authority, or when required or permitted by law or legal process. If you submit information to us during your visit to, you can prevent disclosure of this information to unaffiliated third parties (except as necessary to fulfill your requests, or as described in the preceding sentence) by e-mailing us at (use the subject line "DISCLOSURE OPT-OUT" and include your name, physical address, and e-mail address) or by calling us, if you so choose.


Occasionally, we will send you e-mail communications with information, which may be useful to you, including information about our products and services or about offerings from affiliates or third parties. When you first provide us with your e-mail address, you will be given the option of not receiving any such e-mail or other marketing contacts if you choose. We will also include instructions in our e-mail messages on how to unsubscribe if you later decide you do not want to receive any future e-mails or other marketing contacts from us or other third parties.

At times, we conduct online surveys to better understand the needs, profiles, and experience of our visitors. Your will be given the option of not participating in such surveys.


At, our goal is to protect your personal information submitted to us through this site. E-mails you send us are not necessarily secure when they are transmitted to us. If your communication is very sensitive or includes highly confidential information such as a social security number or a credit card number, you may want to send it by regular mail instead.

We instruct our employees with access to your information that it is to be used only in adherence with the principles set forth in this Privacy Policy and the laws applicable to our business. Employees who misuse customer information are subject to disciplinary action.


This Privacy Policy only addresses the use and disclosure of information we collect online through this Site from users. Our Site may include links to the Sites of our business partners or others. The privacy customs of policies of these Sites may be different from ours. To the extent that you disclose your information to other parties or Sites, you are subject to the privacy customs and policies of those parties or Sites. We cannot be sure whether any third parties linked to or through our Site have privacy policies similar to ours. Therefore, we cannot be responsible for the content or the privacy practices employed by anyone else.


We reserve the right to modify or supplement this Privacy Policy at anytime. If we make any material change, we will update our Website to include such changes. We recommend that you review this Privacy Policy regularly for changes.

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