|Your Source To Smarter Living||Advertorial Disclaimer|
Last Updated: August 1st, 2009
Welcome to the FinanceReportsOnline.com website. ("FinanceReportsOnline.com," "we," "us," or "our"). FinanceReportsOnline.com is committed to respecting the privacy rights and concerns of all users of our website and/or service (collectively, the "Site"). As such, we have established and implemented this privacy statement to inform visitors and users of the Site how we use and protect the information we collect. If you have any questions regarding this information or our privacy practices, please see the section entitled "Questions? Contact Us" at the end of this privacy statement.
You must be at least 18 years old to use our Site. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that such minor has disclosed Personal Information to us, please contact us at privacy@Financereportsonline.com so that we may delete the minor's information from our database.
1.0 How we collect information
1.1 User IP Address
Each time a user visits the Site, our web server automatically recognizes the user's IP address and the Web page from which the User came. The user's IP address is used to help identify the user and to gather broad demographic information about the user. We also use IP addresses collected to help diagnose problems with our servers, to administer the Site, and to better serve users in using the services and features of the Sites.
1.2 Cookies and Action Tags
The first time a user provides an e-mail address in connection with their activities at the Site, we may assign an identification number to that e-mail address and deploy a cookie to the user's PC. Cookies are small bits of electronic information that a website sends to a visitor's browser and are stored on the visitor's hard drive. Whenever that user comes back to the Site using the same PC, the cookie allows the Site to identify the user and to recall the user's e-mail address. These cookies also allow us to provide information and advertisements targeted to your interests and to keep a record of the subjects and portions of the Site you viewed on your visits to the Site. Third parties may also use these cookies to provide you with advertisements regarding information, products and services targeted to your interests. You may remove cookies by selecting the appropriate settings on your browser.
In addition, advertisements displayed on the Site may contain cookies. The companies who serve our advertisements transfer cookies independent of us, and, as such, we do not control the use of such cookies and in many instances have no access to the information collected by them.
Action Tags, Web Beacons and other Data Collection Methods: An action tag or a web-beacon (also known as a clear gif or a pixel tag) is a method used to track responses or actions by visitors who view certain advertisements or other information on a site. Action tags are 1x1 pixel images embedded in a website page that are used to transparently collect information. We may use action tags to count the number of times that visitors click on a particular banner ad, third party link provided on our Site, or visit various pages within our Site and to provide information about what products are viewed or purchased.
1.3 Personal Information.
“Personal Information” means information that can be used to identify and contact you. You do not need to submit Personal Information to access certain areas of the Site, but if you do not want to disclose certain Personal Information to us, you will not be able to access certain aspects of the services we offer.
If you wish to register for and receive our email newsletter, we require you to provide us with certain Personal Information, e.g., your name and e-mail address. If, at any time, you provide us with other Personal Information in connection with your activities on the Site (such as name, address, birth date, gender, etc.), we may store that information, along with the your e-mail address, in our user database.
2.0 How We Use Personal Information; Sharing of Information with Third Parties
We may use your Personal Information in the following manner:
You may, at any time, notify us that you do not wish to have your Personal Information disclosed to third parties by sending an e-mail to privacy@Financereportsonline.com.
3.0 How We Use Demographic Information
We use statistical and demographic information to tailor the Site to the interests of our users. Demographic information is shared with advertisers so that they can tailor their advertisements to the appropriate audience. Demographic information may also be shared with other third parties. None of the above would include anything that could be used to identify you in the offline world or to discover individual information about you.
4.0 Other Sites
5.0 Our Security Precautions
The Personal Information that you provide to us is stored on servers, which are located in secured facilities with restricted access, and protected by protocols and procedures designed to ensure the security of such information, including firewalls, password encryption and other password protection features. In addition, we restrict access to Personal Information to our employees, independent contractors and agents who need to know this information in order to develop, operate, maintain and provide the Site. All of our personnel who have access to this information are trained in the maintenance and security of such information.
No server, computer or communications network or system, or data transmission over the Internet can be guaranteed to be 100% secure, however. As a result, while we strive to protect user information, we cannot ensure or warrant the security of any information you transmit to us or through the use of any of our Sites and Internet and we accept no liability for any breach of security or any unintentional disclosure, loss or misuse of any such information or data or for the actions of any third parties that may obtain any such information or data. You acknowledge and agree that you provide such information and engage in such transmissions at your own risk. Once we receive a transmission from you, we will endeavor to maintain its security on our systems.
We continue to store your Personal Information for so long as it is necessary to provide you our services and periodically destroy old Personal Information in accordance with our company policies, including when it is no longer necessary in order to offer you the same high quality service. In most cases, we will keep one archival copy of your information to allow us to comply with laws or respond to legal processes.
6.0 Removal of Your Information/Opting Out
7.0 Limitation of Damages
IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF THE SITE OR FOR THE UNAUTHORIZED MODIFICATION OF TEXT OR ADVERTISEMENTS PROVIDED BY US TO OUR MARKETING PARTNERS OR THIRD PARTIES.
DISCLAIMER - THE SERVICE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS EXPLAINED IN SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE OR AS MAY BE PROVIDED IN RESPONSE TO YOUR INQUIRY IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. USER ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY - UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS IN THIS SITE OR ANY INFORMATION PROVIDED TO YOU IN RESPONSE TO YOUR INQUIRY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.
9.0 Questions or concerns – Contact Us
Or call (949) 419-0262