When you visit FinanciaLiteracy.Com you provide us with two types of information: personal information you knowingly choose to disclose that is collected by us and Web Site use information collected by us as you interact with our Web Site. We use the information we automatically receive from your web browser to see which pages you visit within our site and which site referred you to our site. We at financialiteracy.com can then develop statistics that are very helpful to understanding how this site is used by our visitors. This statistical data is interpreted by financialiteracy.com in its continuing effort to present the web site content that customers are seeking in a format they find most helpful.

 

When you register with FInanciaLiteracy.Com, you provide us with certain personal information, such as your name, your email address, your telephone number, your address, your gender, schools attended and any other personal or preference information that you provide to us.

 

When you enter FinanciaLiteracy.Com, we collect your browser type and IP address. This information is gathered for all FinanciaLiteracy.Com visitors. In addition, we store certain information from your browser using "cookies." A cookie is a piece of data stored on the user's computer tied to information about the user. We use session ID cookies to confirm that users are logged in. These cookies terminate once the user closes the browser. By default, we use a persistent cookie that stores your login ID (but not your password) to make it easier for you to login when you come back to FinanciaLiteracy.Com. By providing you a unique identifier, we are able to create a database of your previous choices and preferences within our website, and in situations where these choices or preferences need to be collected again, they can be supplied by us automatically, saving you time and effort. The acceptance of cookies allows the subscriber to experience a more streamlined and/or enhanced navigation to the content on the site. You can remove or block this cookie using the settings in your browser if you want to disable this convenience feature.

 

If you choose to use our invitation service to tell a friend about our site, we will ask you for information needed to send the invitation, such as your friend's email address. We will automatically send your friend a one-time email or instant message inviting him or her to visit the site. FinanciaLiteracy.Com stores this information to send this one-time invitation, to register a friend connection if your invitation is accepted, and to track the success of our referral program.

 

We collect information pertaining to our weekly newsletter. Registration for this feature is on a voluntary, opt-in basis. Your email address is kept strictly confidential. Information on how to unsubscribe is listed at the bottom of the newsletter.

 

By using FinanciaLiteracy.Com, you are consenting to have your personal data transferred to and processed in the United States.

 

FinanciaLiteracy.Com will not use or share, either within FinanciaLiteracy.Com or with a third party, any information collected at this page. We may remove all the personally identifiable information and use the rest for historical, statistical or scientific purposes. We may also use it to investigate security breaches or to cooperate with authorities pursuant to a legal matter.

 

In addition, we may have collected similar information from you in the past. By agreeing to the terms of our privacy statement you are consenting to our continued use of any such information.

 

For your convenience, this page may contain certain hyperlinks to other FinanciaLiteracy.Com pages as well as to sites outside FinanciaLiteracy.Com. While FinanciaLiteracy.Com has posted an appropriate Privacy Statement throughout our web site, we can make no promises or guarantees regarding data collection on the hyperlinked pages and sites that are not owned by FinanciaLiteracy.Com. We therefore recommend that you read the privacy policy/ statement for each site you visit.

FinanciaLiteracy.Com does not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to register. If you are under 13, please do not attempt to register for FinanciaLiteracy.Com or send any information about yourself to us, including your name, address, telephone number, or email address. In addition, parents of children 13 years and older should consider whether their child should be supervised during the child's use of the FinanciaLiteracy.Com site.

We do not provide contact information to third party marketers without your permission. We share your information with third parties only in limited circumstances where we believe such sharing is 1) reasonably necessary to offer the service, 2) legally required or, 3) permitted by you. For example:

·         We may provide information to service providers to help us bring you the services we offer. Specifically, we may use third parties to facilitate our business, such as to host the service at a co-location facility for servers, to send out email updates about FinanciaLiteracy.Com, to remove repetitive information from our user lists, to process payments for products or services, or to provide search results or links (including sponsored links). In connection with these offerings and business operations, our service providers may have access to your personal information for use for a limited time in connection with these business activities. Where we utilize third parties for the processing of any personal information, we implement reasonable contractual and technical protections limiting the use of that information to the FinanciaLiteracy.Com-specified purposes.

·         We may be required to disclose user information pursuant to lawful requests, such as subpoenas or court orders, or in compliance with applicable laws. We do not reveal information until we have a good faith belief that an information request by law enforcement or private litigants meets applicable legal standards. Additionally, we may share account or other information when we believe it is necessary to comply with law, to protect our interests or property, to prevent fraud or other illegal activity perpetrated through the FinanciaLiteracy.Com service or using the FinanciaLiteracy.Com name, or to prevent imminent bodily harm. This may include sharing information with other companies, lawyers, agents or government agencies.

FinanciaLiteracy.Com may contain links to other websites. We are of course not responsible for the privacy practices of other web sites. We encourage our users to be aware when they leave our site to read the privacy statements of each and every web site that collects personally identifiable information. This Privacy Statement applies solely to information collected by FinanciaLiteracy.Com.

FinanciaLiteracy.Com takes appropriate precautions to protect our users' information. Your account information is located on a secured server behind a firewall. When you enter sensitive information (such as credit card number or your password), we encrypt that information using secure socket layer technology (SSL). (To learn more about SSL, go to http://en.wikipedia.org/wiki/Secure_Sockets_Layer).

Your use of FinanciaLiteracy.Com, and any disputes arising from it, is subject to this Privacy Statement as well as our Terms of Use and all of its dispute resolution provisions including arbitration, limitation on damages and choice of law. We reserve the right to change our Privacy Statement and our Terms of Use at any time. Non-material changes and clarifications will take effect immediately, and material changes will take effect within 30 days of their posting on this site. If we make changes, we will post them and will indicate at the top of this page the policy's new effective date. If we make material changes to this policy, we will notify you here, by email, or through notice on our home page. We encourage you to refer to this policy on an ongoing basis so that you understand our current privacy policy. Unless stated otherwise, our current privacy policy applies to all information that we have about you and your account.