|
The Financial Exchange respects
your privacy, and we are committed to protecting it. The privacy
statement below explains how we protect your privacy.
|
Sites Covered by This Privacy Statement
|
This privacy statement applies to the cashflowprogram.com
website. It does not apply to any linked sites. To learn about
the privacy policy of a linked site, please refer to the privacy statement
for that site.
You can browse our website without giving us any
personal information. There are times where you may choose to give us
personal information about yourself. For example, you may ask that a Financial
Exchange representative call you, or you may request a quote for
insurance. We need certain information from you so we can respond to
your request.
|
Types of Information We Collect
|
We collect Personal Information that you voluntarily
give us. We also collect Site Visitor Data and Nonpublic Personal
Information.
Personal Information
We collect Personal Information that you give us, for example, to
- request a call from a Financial Exchange
representative
- complete a survey.
This information commonly includes your name, address,
email address, telephone number. Our website has security safeguards that
are designed to protect the security of any personal information that you
decide to give us via the Internet.
Site Visitor Data
The Financial Exchange will
gather data on web site activity, such as how many people have visited the
web site, how long they stay on the site and which web pages they visit.
When you browse the public sections of the Financial Exchange web site,
none of your account or personal information is obtained. Visitor data is
collected on an aggregate, anonymous basis and no personal information is
associated with this data.
Nonpublic Personal Information
We may collect "nonpublic personal information" about you from
the following sources:
Information we receive from you on applications or other loan and
account forms;
Information about your transactions with us, our affiliates or others; and
Information we receive from third parties such as credit bureaus.
"Nonpublic personal information" is nonpublic information about
you that we obtain in connection with providing a financial product or
service to you. For example, nonpublic personal information includes
information regarding your account balance, payment history, and overdraft
history.
|
How We Use Information and “Cookies”
|
We use Personal Information collected on this website in
several ways:
- to respond to your request for a call, referral, or
quote
- to process transactions you request
- to tell you about products or services we offer
How We Use “Cookies”
In order to provide better
service and a more effective and interactive web site, we use
"cookies" as part of our interaction with your web browser. A
"cookie" is a small text file transferred from our web site
server to your hard drive while you are accessing our web site. The file
allows our web site server to track your (the visitor’s) movements within
our site and to determine if you have previously visited our web site. The
use of "cookies" makes your on-line experience easier and more
personalized. It also allows The Financial Exchange to recognize you as a
customer and automate your online experience.
Your privacy and security are not compromised when you accept a
"cookie" from our web site. No other company can access The Financial
Exchange "cookie" information except for The Financial Exchange.
These "cookies" do not collect personally identifiable information,
read your hard drive or reveal new information about you. If you do not
wish to receive cookies, you can set your browser to alert you of a cookie
being offered or to reject all cookies altogether.
|
Disclosure of Information
|
We may disclose information we have about you as
permitted by law. We are required to or we may provide information about
you to third parties without your consent as permitted by law, such as:
- To regulatory authorities and law enforcement
officials.
- To protect against or prevent actual or potential
fraud, unauthorized transactions, claims, or other liability.
Companies within our Corporate Family who may receive
this information are:
Financial service providers, such as: banks, lending
institutions, insurance companies, and real estate developers. For example:
The Mortgage Exchange, Inc.
We are permitted under law to share information about our experiences or
transactions with you or your account (such as your account balance and
your payment history with us) with companies related to us by common
control or ownership ("affiliates").
We also are permitted under law to disclose nonpublic personal
information about you to "nonaffiliated third parties" (third
parties that are not members of our corporate family) in certain circumstances.
For example, we may disclose nonpublic personal information about you to
such third parties to assist us in servicing your loan or account with us;
to government entities in response to subpoenas; and to credit bureaus. We
do not disclose any nonpublic personal information about you to any other
third parties, except as permitted by law.
From time to time, we may send you email about our
products and services.
|
Children’s Privacy Online
|
This website is not directed toward children. We do not
knowingly collect or post information from children under the age of
thirteen. You can learn more about children’s privacy and the Children’s
Online Privacy Protection Act (COPPA) at the Federal Trade Commission’s
website at http://www.ftc.gov/bcp/online/edcams/kidsprivacy/index.html
.
This privacy statement is effective as of March 21, 2005. We reserve the right to change this statement. If we change it, we
will post the current privacy statement on this page. Any changes to
this statement will be effective as of the day they are posted.
It is important for us to know what visitors have to say
about our website. To contact us with your questions or comments
please call 1-800-411-2320.
|