CHILDREN

When anyone under the age of 18 attempts to register with us, we ask to have a parent or guardian to provide parental consent and permission to create an account with us. We do not -personnally, by email or by phone- contact anyone under the age of 18 about special offers or for marketing purposes without a parent's permission. We do not ask anyone for more personal information as a condition of participation than is reasonably necessary to participate in a given activity or promotion.

INFORMATION: COLLECTION AND USE

We collect personal information when you register, when you use our products or services, when you visit our Web pages or the pages of certain partners and affiliates, and when you enter other participating services, promotions or sweepstakes. We may combine information about you that we have with information we obtain from business partners or other companies in order to improve our level of services.

When you first register, we ask or may ask for information such as your name, email address, birthdate, gender, ZIP code, occupation, industry, personal interests and more. For some financial products and services we might also ask for your personal home or business address and other financial related information. We collect and share information about your transactions with us with some of our business partners, including information about the use of our products, services, and financial products and associated services that we offer. We automatically receive and record information from your computer and browser, including your IP address, cookies, software and hardware attributes, and also the pages you request. We uses this information for the following general purposes:

• to improve our services,
• to customize and improve the advertising and page content you see,
• to fulfill your requests for products and services,
• to contact you,
• to conduct research and statistical analysis, and
• to provide anonymous reporting for internal and external clients.

INFORMATION: SHARING AND DISCLOSURE

We do not rent, sell or share your personal information with other people or non-affiliated companies, except to provide products or services you have requested, when we have your permission, or under the following circumstances:

• We provide the information to trusted partners who work on behalf of or with us under confidentiality agreements. These companies may use your personal information to help us communicate with you about offers from us and our marketing and advertising partners. However, these companies do not have any independent right to share this information.
• We have a parent's permission to share the information if the user is a child under age 13. Parents have the option of allowing us to collect and use their child's information without consenting to us sharing of this information with people and companies who may use this information for their own purposes.
• We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.
• We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Service, or as otherwise required by law.
• We will transfer information about you if we are acquired by or merged with another company. In this event, we will notify you before information about you is transferred and becomes subject to a different privacy policy.
• We display targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria�for example, women ages 18-24 from a particular geographic area.
• We do not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.
• Our advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).
• We work with vendors, partners, advertisers, and other service providers in different industries and categories of business. For more information regarding providers of products or services that you've requested please read our detailed reference links.

COOKIES AND JAVA

Our Web sites and services use cookies and JAVA to interact with every user. We may set and access cookies on your computer to store information pertaining our services and your personal data. We usually store in those cookies your name, your password and a few system preferences and parameter to improve the quality of our service and to automate the login process. We let other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one. Advertisers or other companies do not have access to our cookies. We uses web beacons to access cookies inside and outside our network of web sites and in connection with our products and services.

YOUR INFORMATION AND PREFERENCES

You can edit your account information and change your password at any time.

New categories of marketing communications might be added to the Marketing Preferences page from time to time. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.

We reserve the right to send you certain communications relating to our services, such as service announcements, administrative messages, and our business newsletter that are considered part of your account, without offering you the opportunity to opt out of receiving them.

You can delete your account by visiting your account page. Some information might possibly remain in our archived records after your account has been deleted.

CHANGES TO THIS PRIVACY POLICY

We reserves the right to update and change our policies from time to time, without your approval or notice. We will try to notify you about significant changes in the way we treat personal information, by sending a notice to the primary email address specified in your account, or by placing a prominent notice on our Web site.

QUESTIONS AND SUGGESTIONS