Consumer Cents Privacy Policy Statement

This website (“Website”) is operated by AAA Fair Credit Foundation (“FCF”) and this policy applies only to the url, www.consumercents.com, and the pages contained therein.

Our office address is: AAA Fair Credit Foundation, 230 West 200 South, Ste 3104, Salt Lake City, UT 84101.

Our mailing address is: AAA Fair Credit Foundation, Attn: Consumer Cents, P.O. Box 3808, Salt Lake City, UT 84110.

We may be reached via email at info[@]consumercents[dot]com.

Preface

FCF is committed to assuring the privacy of individuals and/or families who use this Website. We assure you that all information shared will be managed within legal and ethical considerations. The following privacy policy describes the information we collect how we use it, and your rights in regard to the use of collected information. By using this Website, you acknowledge and agree to the terms and conditions of this Privacy Policy Statement. If you do not agree to these terms and conditions, please do not use this Website.

We reserve the right to change or modify our privacy practices that are described herein from time to time simply by posting a revised Privacy Policy Statement on this Website. Any such change shall be effective immediately upon posting of the revised or changed Privacy Policy Statement effective for information we already have about you, as well as any information we receive in the future. We encourage you to refer to this Privacy Policy Statement on an ongoing basis so that you understand our current privacy practices.

Privacy Policy

Information Collected. Like many websites, we gather information about how visitors use this Website. All educational materials and services contained in this Website are available at no cost to you, the consumer, upon registration for use. Registration requires you to provide your first name, last name, state of residence, and email address. You may voluntarily provide other information at your discretion.

We may also request other personal information from you which may include your address, telephone number, and payment information in addition to the above when you:

• Request a product or service from us
• Order printed copies of free downloads
• Sign up to receive email newsletters or other correspondence
• Request e-mail, fax, mail or telephone support or services
• Ask to be contacted by us for any other reason

You may choose not to provide us with any personal information. In such event, you will only be able to access those portions of this Website that do not require registration for use.

How Your Information is Used. The information we collect may be used in any of the following:

• Industry Research. At some time in the future, the information you provide may be used for confidential research and/or a neutral third party may contact FCF to request an evaluation of the Website’s services. In such case, your information will be used for statistical computations only, in which you personally will remain anonymous.
• Technical and Product Support. In order to provide you with technical and product support, we ask you for your name and e-mail address. We may use your contact information to contact you regarding service updates or specific support questions. We may also contact you for additional opportunities to provide feedback on our products and services unless you request not to receive such communications.
• Process Orders. You may place orders for printed copies of any of the free materials available on this Website. In such case your personal information is used to complete the ordering process including: order placement, processing, distribution, payment (if applicable), and receipt confirmation.
• Customer Satisfaction. This includes responding to your questions and feedback as quickly as possible, customizing your surfing, viewing, and user experience, and improving our services.
• We may also use the information we collect to perform any other lawful acts except for those acts expressly prohibited by the terms and conditions set forth herein.

Sharing Information

Except as expressly set forth herein, we do not loan, give away, sell, rent, or in any other way distribute your personal information with any third party.

We may disclose personal information about you upon request by the government, in response to a court order, when required by law or when we believe in good faith is required by law, to enforce our Privacy Policy, terms and conditions or other agreements and policies on this Website, upon your request, or to contact, identify or bring legal action against someone who may be causing injury to or interference with our or others’ rights or property including, but not limited to, claims for infringement of intellectual property, invasions of privacy or situations involving threats or alleged threats to the physical safety of a person’s property. We may also share information with companies assisting in fraud protection or investigation. We do not provide information to these agencies or companies for marketing purposes.

Security Safeguards. FCF employs industry-standard physical, electronic and procedural security safeguards to help protect the personally identifiable information that you have provided to use from loss, misuse, or unauthorized alteration. Whenever we prompt you to transmit sensitive information, we support encryption of your data as it is transmitted. FCF uses the latest technology to protect your information from exposure to unauthorized persons. Below are some of the components of this security system:

• A username and password are required to access all educational products and services
• Up to 256-bit encryption scrambles your sensitive transmissions made via the Internet.
• Once your information reaches us, it resides on a server that is heavily protected. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information. Our servers sit behind an electronic firewall and are NOT directly connected to the Internet, so your personal information is available only to authorized computers.
• Only authorized employees are permitted access to customer information. Authorized employees have been trained on how to handle information properly and are subject to strict limitations and guidelines in the handling of that information.

You are responsible for protecting the secrecy of your username and password. We recommend you not store secure pages in your cache or leave your computer unattended while you are logged into the Website.

Although no security measures are foolproof, we work diligently to protect personally identifiable information stored on the sites’ servers from unauthorized access using industry-standard available computer security products, such as firewalls and carefully developed security procedures and practices.

Resource Links. This Website may contain links to other sites. Please be aware that FCF is not responsible for the privacy practices of other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every site that collects personally identifiable information. This Privacy Policy applies solely to information collected by this Website. FCF is not responsible for the actions of any third party. These sites are linked to this Website only for your convenience and you access them at your own risk.

Cookies. This Website uses cookies. A cookie is a small, removable data file that is stored by your web browser on your computer. Cookies allow you to place an order on this Website and allow us to enhance, facilitate, and personalize your online surfing and user experience.

You can choose to have your computer warn you each time a cookie is being sent or you can choose to turn off all cookies. You do this through your web browser settings. If you turn cookies off, you won’t have access to many features that make your visit to this Website more efficient and enjoyable, and in some cases, some of our services may not function or may function with limited capability.

Forums. This Website may now or in the future include web logs (i.e. blogs), chat rooms, forums, message boards, and/or news groups. Any information that is disclosed in these areas becomes public information. You should exercise caution before disclosing your personal information via these public venues, which you do at your own risk. If you do so, you may receive, among other things, unsolicited emails or “spam” from others. FCF cannot safeguard the privacy of personal information that is disclosed online in this manner.

Modifying Your Information. We only want to provide you with the information and communications you wish to receive from us. To modify any of the information you have provided, please login and update your profile. You may also delete any non-required information fields by logging in and updating your profile without such information included.

You may unsubscribe from receiving emails from us at any time by sending an email to info@consumercents.com.

Please note that some circumstances require that we keep your information on file in order to resolve disputes, troubleshoot problems, and enforce our Privacy Policy. Additionally, technical constraints and the continual backup of our systems prevent us from completely removing your information from our databases. Therefore, even though we will diligently honor any and all requests to no longer use your personal information, you should not expect that all of your personal information will be completely removed from our databases in response to your request.

Questions and Feedback

Please send us feedback at info@consumercents.com pertaining to these matters or any other issue you may have with FCF or this Website. We welcome all comments, suggestions, and requests you may have.

If you feel we are not following our stated Privacy Policy, you may also contact state or local chapters of the Better Business Bureau, your state or local consumer protection office, or the Federal Trade Commission (FTC) by phone at 202-FTC-HELP or at www.ftc.gov/ftc/complaint.htm.

Last updated: May 16, 2008