Policies and Terms of Use

POLICY STATEMENTS. This notice lets you know how we collect information about you, the type of information we collect and what we may disclose to others. It also details the steps you can take to protect your personal information.

COLLECTION OF INFORMATION: We may collect a certain amount of information to provide customer service, offer products or services, administer our products and fulfill legal requirements.

SHARING AND USE OF INFORMATION: While protecting customer information is important, we may find it necessary in the course of conducting business to disclose certain information we collect about you. We may share information only as permitted or required by law with:

  • Our employees or affiliates to enable them to provide customer service or account maintenance, or so they may tell you about other products or services offered that might be useful to you;
  • Nonaffiliated third parties who are assisting us by performing services or functions on our behalf, such as service providers;
  • Nonaffiliated third parties for compliance with a subpoena, fraud prevention or an inquiry from a government agency or regulator.

Except as set forth in this Privacy Statement, we will not sell or otherwise retransmit any information we collect from you unless we have your permission. Any information you provide to us will be stored in our databases in the United States.

From time to time, we may be required to provide information in response to court order, subpoena, or government investigation. We also reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful. We may release information when we believe that such release is reasonable to protect the rights, property, and safety of others and ourselves.

PROTECTING THE INFORMATION: We are committed to maintaining the security of our customers’ personal information. To ensure such information is used only in the manner we have described in this policy, we have instituted the following safeguards:

Employees are required to comply with our established privacy policies and procedures, which exist to protect the confidentiality of customer information. Any employee who violates our privacy policies will be subject to termination.

Employees access the information only on a business need-to-know basis, such as to service a customer request.

We maintain physical and procedural safeguards to protect information about you that we collect. Such safeguards include locked files, user authentication, encryption and firewall technology.

REVIEW OF AND ACCESS TO YOUR INFORMATION: If required by law and upon written request, we will make information from your file available for your review.

If you notify us that any information is incorrect, we will review it, and if we agree, we will correct our records. If we do not agree, you may submit a short statement of dispute, which will be included in any future disclosure of information.

If you have any questions about the right of access or wish to access your file (as permitted by law), please contact us at the address below and include a copy of your personal identification, such as a driver’s license or photo identification.

TERMS OF USE AND DISCLAIMERS

ELIGIBILITY: As used in these Disclaimers and Terms of Use, “you” or “your” refers to each person using or accessing this Web site.

The Disclaimers and Terms of Use state the terms and conditions that govern your use of this Web site. When you use or access, or permit any other person to use or access this Web site, you agree to the terms and conditions of these Disclaimers and Terms of Use. We may amend or change these Terms of Use from time to time without notice to you, in our sole discretion and at any time, by posting the updated terms on this site. Your continued use of this site indicates your acknowledgement and acceptance of these terms. If you find the Disclaimer and Terms of Use unacceptable to you at any time, please discontinue your use of the Web site.

LIMITATION OF ACCESS: We may terminate, suspend or limit your access privileges to this Web site, in whole or in part, in our sole discretion, at any time without notice.

DOWNLOADS: We do not make any express or implied warranties, representations or endorsements with respect to downloadable files of this Web site. Files may be downloaded and/or reprinted for personal use only. If you wish to reproduce any document or graphic, in whole or in part, from this site for non-personal or commercial purposes, you must first request permission in writing from us.

INDEMNIFICATION: We reserve the right to make changes to this Web site and our Disclaimers. We encourage you to review this Web site and these Disclaimers periodically for any updates or changes. Your continued access or use of this site shall be deemed your acceptance of these Disclaimers and any subsequent changes.

You acknowledge and agree that you are personally responsible for your conduct while using this Web site and agree to indemnify and hold us and our employees harmless from and against any loss, damage, liability, cost or expense of any kind, including attorney fees, that we may incur in relation to your use of this Web site or your violation of these Terms of Use or the rights of any third party.

COPYRIGHT AND TRADEMARK NOTICES: Images, texts, screens and Web pages appearing within this site are owned by us and are protected by copyright laws. You agree not to copy, display, distribute, download, license, sub-license, modify, publish, repost, reproduce, reuse, sell, transmit, create a derivative work from or otherwise use for public or commercial purposes, the information and materials on this site without our express written permission. Unless otherwise noted, all other trademarks, service marks and logos used on this site are our trademarks, service marks or logos.

LIMITATION OF LIABILITY: These Terms of Use state our entire liability and your exclusive remedy as it relates to this Web site. In no event shall we be liable for any loss, injury or damages, whether direct, indirect, incidental, exemplary, or consequential, including lost profits, arising from or related to any access to or use of this Web site, or the installation, use or maintenance or your personal computer hardware, equipment, software or any internal access services.

WARRANTY DISCLAIMER: You understand and agree that your use of this Web site is at your sole risk and that the services and all information, products and other content included in or accessible from the site, are provided on an “as is” and “where available” basis, and are subject to change at any time without notice to you. You acknowledge that we make no warranty that the services will be uninterrupted, timely, secure or error-free unless otherwise stated on the site or in any applicable agreement.

To the fullest extent permitted by law, we disclaim all representations, warranties and conditions of any kind (express, implied, statutory or otherwise, including, but not limited to, the warranties of merchantability and fitness for a particular purpose, title and non-integrated or proprietary rights) as to this Web site and all information, products and other content (including third-party information, products and content) included in or accessible from this site.

MISCELLANEOUS TERMS: We respect the privacy of your personal information. However, it must be understood that the internet is not a secure medium of communication. We cannot guarantee the privacy of any information you input on this Web site or send to us via the internet. We will not be responsible for any damages you or others may suffer as a result of the loss of confidentiality of any such information. You are solely responsible for maintaining the confidentiality of any information when communicating with us.

We will not be deemed to have waived any of our rights or remedies under these Terms of Use unless such waiver is in writing and signed by us. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.