PointAndProfit.com Privacy Policy

Last updated: March 10th, 2007

PointAndProfit.com shares your concern about the protection of your personal information online. This is our policy regarding the privacy of information we collect on our web sites. This Privacy Policy includes examples of the types of personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use and sharing practices. We will comply with applicable state laws that may restrict the types of information we may disclose about you or require us to provide you with additional notices.

Information Gathered and Tracked by PointAndProfit.com

PointAndProfit.com gathers two types of data about users: (a) personal information, which individual users provide (i) when registering as a subscriber to one of our premium subscription services, and (ii) voluntarily at certain other points, such as contests or surveys; and (b) tracking information, which is automatically collected about all visitors to our sites.

Tracking Information

Tracking data consists of both individual and aggregated tracking information and is automatically gathered using "cookies."

• What is a "cookie"?
  A cookie is a small data file containing information, such as a user's login name, that is written to the user's hard drive by a web server and used to track the pages visited. Cookies used by PointAndProfit.com are encoded and contain a unique digital signature to prevent tampering. They do not contain user passwords. The individual information gathered in this manner is used for internal purposes only, such as accessing a member's account information. We also use the information on an aggregate basis, to track the readership of stories and usage of our products, to analyze traffic patterns on our sites, and to provide anonymous reporting of usage for internal and external clients.
   
  You can control your browser's settings regarding cookies by selecting "Internet Options" or "Preferences" in the menu bar of your browser. This will allow you to prevent your browser from accepting new cookies, have your browser notify you when you receive a new cookie, or disable cookies altogether. However, because cookies allow you to easily navigate our web sites without having to constantly log in using your User Name and password, we recommend that you leave them turned on.
   
  
• Tracking by our Advertisers
  PointAndProfit.com 's advertisers include financial services companies (such as brokerage firms, banks, and mortgage companies) and non-financial services companies (such as computer manufacturers, software companies, automobile makers and retail stores). PointAndProfit.com 's advertisers and advertising vendors display targeted advertisements. Although PointAndProfit.com does not provide any personal information to the advertiser or advertising vendor, by interacting with or clicking on an ad you consent to the possibility that the advertiser will assume you meet the targeting criteria used.
   
  In addition to cookies placed by PointAndProfit.com , described above, advertisers and advertising vendors that serve ads onto our web sites may use their own cookies or other tracking technologies. We cannot be responsible for the privacy policies or practices of any such advertisers and vendors.
   
  

Use of the Information

PointAndProfit.com uses personal information obtained from its users as stated in this Privacy Policy, and to enhance users' experiences on our sites.

Disclosures Permitted by Law

• PointAndProfit.com does not sell or disclose personal information about you described above to with other people or nonaffiliated companies, except to provide you with products or services, when we have your permission, or under the following circumstances:
  
  
  • We provide the information on a confidential basis to nonaffiliated companies we engage as contractors or agents to perform services for us, such as maintaining software, sending direct mail or administering a sweepstakes or contest. Information will be shared with such contractors only to the extent reasonably necessary for them to perform services on our behalf, and pursuant to confidentiality obligations;
  • In response to subpoenas, court orders, or legal process, from law enforcement agencies or state and federal regulators;
  • If we sell or otherwise transfer substantially all of our assets related to any web site that we own or operate and any product or service that we offer. In that event, we will require such third party to honor our current Privacy Policy, until the third party provides you with notice of changes to our Privacy Policy and permits you to exercise any rights you may have under applicable law to limit disclosures of information about you.

Disclosures for Joint Marketing and Servicing

PointAndProfit.com uses personal information obtained from its users as stated in this Privacy Policy, and to enhance users' experiences on our sites.

Other Uses

• Premium Services
  If you're a subscriber, we use your email address, postal address or fax number, as applicable, to deliver our premium products and services.
• Special Offers and Advertisements
  We may from time to time send you special offers and advertisements for products or services offered by third parties. We will not disclose any of your personal information to such third parties when we do this. If you do not wish to receive third party offers and advertisements, please contact our customer service department.

Correcting and Updating the Information

PointAndProfit.com offers to its members the ability to correct or update online the information we collected during registration by contacting our customer service department

Security

PointAndProfit.com limits access to personal information about you to those employees whom we determine need access to that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your personal information. However, no security system is impenetrable. We cannot guarantee the security of our servers, nor can we guarantee that information that users supply will not be intercepted while being transmitted to us over the Internet.

Former Customers

PointAndProfit.com discloses personal information about former customers only in accordance with this Privacy Policy.

Questions or comments regarding this policy should be directed to our customer service department. PointAndProfit.com reserves the right to modify this policy.

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