Privacy Policy
Introduction.
We take your right to privacy seriously and want you to feel
comfortable using our web site. This Privacy Policy deals with
personally identifiable information (referred to as "Data"
below) that may be collected by us on our site. This Policy
does not apply to other entities that we do not own or control
or persons that are not our employees, agents or within our
control.
1. Collection of Data.
The USA PATRIOT Act is a Federal law that requires all financial
institutions to obtain, verify, and record information that
identifies each person who opens a personal account. Our registration
process for an application for a card requires that you provide
your name, address, date of birth, and other information that
will allow us to identify you. You may also be asked to provide
documentation as proof of identification. Please take note that
your user name, e-mail address, or other submissions that you
make on this site may contain your real name or other personally
identifiable information and, as a result, may appear on this
site. Like many web sites, we may also automatically receive
general information that is contained in our server log files
such as your IP address and cookie information. Information
about how advertising may be served on this site (if at all)
is set forth below.
2. Use of Data.
We may use Data to customize and improve your user experience
on this site. We will make efforts so that your Data will not
be provided to third parties outside of our organization and
affiliated group unless (i) provided for otherwise in this Privacy
Policy; (ii) we obtain your consent, such as when you choose
to opt-in or opt-out to the sharing of Data; (iii) a service
provided on our site requires the interaction with or is provided
by a third party, by way of example an Application Service Provider;
(iv) pursuant to legal process or law enforcement; (v) we find
that your use of this site violates our this Policy, Terms of
Service, other usage guidelines or as deemed reasonably necessary
by us to protect our legal rights and/or property; (vi) this
site is purchased by a third party whereby that third party
will be able to use the Data in the same manner as we can as
set forth in this Policy; or (vii) otherwise permitted by Title
V of the Gramm-Leach-Bliley Act and other applicable laws and
regulations. In the event you choose to use links that appear
on our site to visit other web sites, you are advised to read
the privacy policies that appear on those sites.
3. Cookies.
Like many web sites, we set and use cookies to enhance your
user experience, such as retaining your personal settings. Advertisements
may appear on our web site and, if so, may set and access cookies
on your computer and is subject to the privacy policy of those
parties providing the advertisement. However, the companies
serving the advertising do not have access to our cookies. These
companies usually use non-personally identifiable or anonymous
codes to obtain information about your visits to our site.
4. Children.
We do not allow persons who are thirteen years of age or younger
to register as users of this site. For more information, please
contact our customer service.
5. Editing or Deleting Your Account Information.
We provide you with the ability to edit the information in your
user account information that you provided to us in registration
by using your personal page information. You may request deletion
of your user account by contacting our customer service. Content
or other data that you may have provided to us and that is not
contained within your user account, such as posts that may appear
within our forums, may continue to remain on our site at our
discretion even though your user account is deleted.
6. Changes to this Privacy Policy.
We may make changes to this Policy from time to time. We will
notify you of substantial changes to this Policy either by posting
a prominent announcement on our site and/or by sending a message
to the e-mail address you have provided to us that is contained
within your user settings.
7. Warranties.
While this Privacy Policy states our standards for maintenance
of Data and we will make efforts to meet them, we are not in
a position to guarantee these standards. There may be factors
beyond our control that may result in disclosure of data. For
example, transmissions made by means of the Internet cannot
be made absolutely secure. Also, please note that we do not
control the privacy policies of our third party vendors, our
advertisers and other third party sites to which we provide
banner ads and links. Accordingly, we assumes no liability for
disclosure of any information due to errors in transmission,
unauthorized acts of third parties, or resulting from information
provided other than through the Website.
8. Protection of Data.
You are only able to access information in your account by submitting
your user name and pass code that we provided or that you created
during activation. To maintain security of your Data, we restrict
access to your personal and account information to persons who
need to know that information to provide you financial products
or services. We also train people who work for us how to handle
properly personal information.
9. Contact Information.
If you have any questions about this Policy or our web site,
please feel free to contact our customer service.
This Privacy Policy was last updated on August 21, 2006.
