AFFORDABLE ESTATE PLANNING SOLUTIONS TO PROTECT YOUR FAMILY'S WEALTH

TrustandEstateplan.com offers an online legal document self-help system of software and information, which provides an automated software solution to persons who wish to prepare their own trust documents. TrustandEstateplan.com and affiliated companies do not provide any advice, explanation, opinion, or recommendation about possible legal rights, remedies, defenses, options, selection of forms or strategies. If you have legal questions, issues or needs that cannot be resolved on your own, you should seek the services of an attorney. This website is for informational purposes and is not an offer to sell or a solicitation of an offer to buy any legal services. Fees charged are solely for a license to access the self-help system and not a drafting or document preparation fee. TrustandEstateplan.com and affiliated companies are not law firms, are not a lawyer referral service, do not act as your attorney, and are not a substitute for the advice of an attorney. See Terms and Conditions.

Terms &Conditions

Acknowledgement

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. THIS IS A BINDING CONTRACTUAL AGREEMENT REGARDING YOUR USE OF TRUSTANDESTATEPLAN.COM.

BY USING TRUSTANDESTATEPLAN.COM’S SERVICES OR ACCESSING THE WWW.TRUSTANDESTATEPLAN.COM WEBSITE OR APPLICATIONS, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.

TrustandEstateplan.com ("TrustandEstateplan.com," "we," "us," or "our") is the owner of this website www.trustandestateplan.com (the "Site").

You (“User”, “user”, “you”, “YOU”, “your”, “Your”) are the user of:  www.trustandestateplan.com website.

The term “Agreement” shall mean and be used interchangeably to refer to these Terms and Conditions, et al.

Scope

By using the Site, you agree to follow and be bound by these terms and conditions of use (the "Terms of Use") and agree to comply with all applicable laws and regulations, including United States export and re-export control laws and regulations.

TrustandEstateplan.com may amend these Terms and Conditions agreement at any time by reasonable notice, including without limitation by posting revised terms on its website at the URL www.trustandestateplan.com/terms.htm, which amended terms and conditions shall be binding upon you.

This Agreement benefits and binds you and TrustandEstateplan.com “Parties” and their successors and assigns.

Terms of Offer

All solicitations and offers (whether by mail, through employees, agents, the internet, or otherwise) are solely made from, and within, the jurisdictions of the state of California. All orders for services require acceptance from an authorized officer of the Trustee operating within the offering jurisdiction before they become contracts. The use of the Site does not constitute an offer to provide trust services beyond the borders of jurisdictions noted herein.

Entire Agreement

These Terms and Conditions constitute(s) the entire Agreement between the user and TrustandEstateplan.com with respect to its subject matter and constitutes and supersedes all prior Agreements, representations and understandings, written or oral.

Disclaimers

NEITHER TRUSTANDESTATEPLAN.COM NOR ANY OF ITS SUBSIDIARIES MAKES ANY REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ANY WARRANTIES AND REPRESENTATIONS ABOUT THE CONTENT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We shall not be subject to any obligations of confidentiality regarding information submitted through this Site or any page hereof except as otherwise agreed to by TrustandEstateplan.com, in writing, with the person(s) or entity(ies) having a direct relationship with us or as otherwise required by law.

Although we attempt to keep the information on this Site accurate, complete, and current, we do not warrant that the content herein is accurate, complete, or current. We make no commitment to update the content herein. It is your responsibility to verify any information before relying on it. The content of this Site may include technical inaccuracies or typographical errors. From time to time changes are made to the content herein. We may make changes in the products and/or the services described herein at any time. We provide you with this information with the understanding that we are not rendering accounting, legal or tax advice. Please consult your legal or tax advisor concerning such matters.

Location of Products and Services

Our products and services are offered only in jurisdictions where they may be lawfully offered for sale; and are also subject to the terms of the specific applicable agreement. NOT ALL PRODUCTS OR SERVICES MENTIONED HEREIN ARE AVAILABLE IN ALL JURISDICTIONS. Certain non-fiduciary ministerial services may be provided from and by third parties and in their respective jurisdictions.

Government Required Customer Information Program

Government required anti-terrorism and anti-money laundering laws require all financial institutions to obtain, verify and record information that identifies each person creating a trust; without exception. As such, your personal information may be used to verify your identity and/or the identity of the Beneficiary(ies) in accordance with TrustandEstateplan.com 's Customer Identification Program; and that some or all of that information may be shared with third parties, only to the extent necessary to perform such tasks, and reported to government agencies to fulfill required government reporting.

What types of information will I need to provide?

When you open a trust account, you are required to provide at a minimum the following information:
Name
Date of birth
Address
Identification number
• U.S. citizen: taxpayer identification number (Social Security number or employer identification number)
• Non-U.S. citizen: taxpayer identification number; passport number and country of issuance; alien identification card number; or government-issued identification showing nationality, residence and a photograph of you.

What happens if I don’t provide the information requested or my identity can’t be verified?

We may not be able to open an account or carry out transactions for you. If we have already opened a trust account for you, we may close it.

General Disclaimers

TrustandEstateplan.com and its subsidiaries are equal opportunity employers.

IRS CIRCULAR 230 NOTICE: To the extent that this Site or any attachment concerns tax matters, it is not intended to be used and cannot be used by a taxpayer for the purpose of avoiding penalties that may be imposed by law.

USA Patriot Act

Pursuant to the USA PATRIOT Act and final rules issued by the U.S. Department of the Treasury, TrustandEstateplan.com complies to the extent applicable, with the terms and conditions of the USA PATRIOT Act and Dodd-Frank, including, but not limited to Know Your Customer rules and Anti Money Laundering Rules.

Limitation of Liability

TrustandEstateplan.com, its subsidiaries or affiliates will not be liable under any circumstances for any damages or injuries, including but not limited to those caused by any failure of performance, error, omission, interruption, defect, delay in operation of transmission, computer virus, or system failure. In no event, shall TrustandEstateplan.com or any of its subsidiaries be liable for any special, indirect, incidental, or consequential damages or any damages whatsoever, including but not limited to loss of use, data, or profits, arising out of or relating to the use of this Site or the copying or display of information accessed through this Site, whether or not TrustandEstateplan.com or any subsidiary was advised of or aware of the possibility of such damages. The foregoing disclaimer of liability is effective without regard to the form of any action, including but not limited to contract, negligence, tort, strict liability or any other theory. Without limiting the foregoing, TrustandEstateplan.com and its subsidiaries or affiliates shall not be liable for any losses or damages incurred as a result of any information or confidential information submitted to it through this Site or any page hereof or for its transmission of information or confidential information to any person(s) or entity(ies) as a result of a request for such transmission reasonably believed by TrustandEstateplan.com or its subsidiaries or affiliates to have been made by such person or entity. The above limitations or exclusions may not apply to you to the extent that applicable law does not allow the limitation or exclusion of liability for incidental or consequential damages.

Links to Third Party Sites

Some of the sites listed as links herein will let you leave our server and are not under our control. Access to any other Internet site linked to TrustandEstateplan.com ’s web sites is at the user's own risk and TrustandEstateplan.com is not responsible for the accuracy or reliability of any information, data, opinions, advice or statements made on these linked sites. We do not make any representations whatsoever concerning the content of those sites. The fact that we have provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers; we are providing these links only as a convenience to you. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and we caution you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet.

Jurisdiction

You acknowledge and agree that these Terms and Conditions, at the sole discretion of TrustandEstateplan.com, shall be governed and interpreted pursuant to the laws of the State of California, or such other state law of applicable to the geographic location of the TrustandEstateplan.com facility which the subject, breach or tort occurred, notwithstanding any principles of conflicts of law.

However, once the court of jurisdiction has been determined and established by TrustandEstateplan.com, said state court shall have exclusive jurisdiction over any cause of action arising out of or related to the content or use of this Site.

Any action arising out of a breach of this Agreement or related tort shall be enforceable by injunctive relief as well as compensatory and punitive damages to the fullest extent of the law.

You further agree to indemnify, defend, and hold TrustandEstateplan.com and its affiliates and their directors, managers, officers, shareholders, employees, agents, subsidiaries, successors and assigns harmless, from and against any claims, losses, damages and expenses, including reasonable attorneys’ fees, resulting from your breach or alleged breach of the terms of this Agreement, regardless of the form of action.

You, the user, specifically waive all rights to challenge, object, file motions or plead for removal of jurisdiction and agree to the governing law and jurisdiction as selected by TrustandEstateplan.com in its sole discretion. The jurisdiction and choice of law for any civil claims resulting from computer crimes or computer trespass, accomplished or attempted, shall be the state court of jurisdiction within the location of TrustandEstateplan.com ’s impacted server or computer network location.

In the event of any violation or breach of these Terms and Conditions TrustandEstateplan.com reserves all rights to seek claims and damage awards to the fullest extent allowable under the applicable law.

Copyright and Service Marks / Trademarks No Use Allowed 

The content of this Site, in all its parts, including but not limited to the text and images and their arrangement, are the copyright ©, of TrustandEstateplan.com. All rights reserved.

Trademarks and Registered Trademarks of TrustandEstateplan.com may not be used without the prior written consent of TrustandEstateplan.com.

You may not link, or redirect to this Site, without the prior written consent of TrustandEstateplan.com.

You may not copy the material on this Site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, without our prior written consent. Copies made incidentally in the ordinary course of your use of this Site (such as in cache memory) and a reasonable number of printed copies for your own internal use are permitted, provided you do not delete or change any copyright, trademark or other notices. Title to all intellectual property rights in the material on this Site remain TrustandEstateplan.com ’s and its affiliates or licensors.

The following elements are owned by TrustandEstateplan.com as copyrights, trademarks and registered trademarks (collectively and individually “Marks”):

The TrustandEstateplan.com Image is a copyrighted and registered trademark.

Any use of the Marks is required to comply with these Terms and Conditions and TrustandEstateplan.com disclaims and prohibits any “Use” without prior written authorization.

Prior to any use of the Marks, you must make a written request for permission to use the Marks at info@TrustandEstateplan.com and we may grant or withhold permission to use the Marks in our sole discretion. No use is allowed unless you have expressed prior written permission.

If permission to use the Mark is granted, your use of the Marks must always be fully and clearly reproduced, and you may not incorporate any of our Marks into the other published work, unless you have expressed prior written permission.

The first time that you use the Mark in any medium, you must conspicuously indicate that "the mark is a trademark of TrustandEstateplan.com and is used by ______ <<Insert the name of your organization>> with the permission of TrustandEstateplan.com." If you use any of the other Marks in any medium, you must also conspicuously indicate that such Marks are trademarks of TrustandEstateplan.com and are used by ______ <<Insert the name of your organization>> with the permission of TrustandEstateplan.com.”

You must use the Marks in their entirety unless you have expressed prior written permission.

A trademark symbol ® or ™, as applicable, should follow all prominent uses of the Marks.

Certain types of expressions, posting, projects, products and packaging may require additional or different notices. Contact us for more information and to discuss your intended use.

You agree to indemnify, defend and hold harmless TrustandEstateplan.com, its directors, officers, employees, agents and representatives from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (i) your breach of these Terms and Conditions and (ii) your activities in connection with the use of our Marks.

By accessing and using the Marks, you agree to abide by the terms and conditions set forth above. TrustandEstateplan.com hereby reserves the right at any time and without notice, to change, modify, add or remove any portion of these Terms and Conditions in whole or in part, at any time, and any such change will be effective when notice of such change is posted. Your continued use of the Marks after any changes to these Terms and Conditions are posted constitutes your acceptance of those changes.

You may not copy the material on this Site, upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, without our prior written consent. Title to and all intellectual property rights in the material on this Site remain in TrustandEstateplan.com and its affiliates or licensors. 

Waiver of 47 U.S. Code § 230

BY USING TRUSTANDESTATEPLAN.COM’S SERVICES OR ACCESSING THE WWW.TRUSTANDESTATEPLAN.COM WEBSITE OR APPLICATIONS (BEYOND ACCESSING THE WWW.TRUSTANDESTATEPLAN.COM HOME PAGE AND THESE TERMS AND CONDITIONS) YOU ACKNOWLEDGE THAT YOU HAVE WAIVED, BY PROMISSORY ESTOPPEL, ALL RIGHTS, CLAIMS, AFFIRMATIVE DEFENSES AND ALL OTHER DEFENSES BASED ON, OR UNDER, 47 U.S. CODE § 230. FURTHER, YOU AGREE AND STIPULATE THAT BY YOUR USE OF THE CONTENT OF THIS SITE OR MARKS YOU ARE AN “INFORMATION CONTENT PROVIDER”, AS DEFINED BY 47 U.S. CODE § 230, AND ADDITIONALLY WAIVE ALL CLAIMS, DEFENSES AND RIGHTS BASED ON BEING A “PROVIDER OF INTERACTIVE COMPUTER SERVICE”.

Subsequent Use

Each subsequent use of the Site reaffirms and codifies your acceptance of these Terms and Conditions.

You further agree that the Terms and Conditions in effect at the time of each subsequent visit supersede and amend any prior agreement in effect and that all acts by you shall be governed by the Terms and Conditions in effect based on your last use of the Site

Severability

If any part or parts of these Terms and Conditions is unlawful, void, or unenforceable, that part or parts will be deemed severable and will not affect the validity and enforceability of any remaining provisions.

Privacy

We recognize and respect the privacy expectations of our customers. Please, read our Privacy Policy. Also, be aware that the Privacy Policy does not limit or modify these Terms and Conditions and are governed by these Terms and Conditions.

This Site also contains certain information TrustandEstateplan.com has filed or incorporated by reference in its reports with the State and Federal agencies (such information, the "Disclosure Materials") TrustandEstateplan.com expressly disclaims any duty to update any of the information set forth in the Disclosure Materials, including but not limited to statements that may be considered forward-looking.

Both you and TrustandEstateplan.com shall hold all information regarding your use of the Site private. Without the prior written release of the other Party, either Party shall, directly or indirectly, issue any press release, or make other public statements or announcement related to this Site or the TrustandEstateplan.com trust product, written or oral, without the prior written consent of the other party, except as required by law, as part of a civil or criminal legal proceeding, or a court order.  You agree that you will not disparage TrustandEstateplan.com, its officers and management, current or former employees, and / or its shareholders. You further agree that you will not relay, communicate or repeat disparaging comments from others or cause such statements to be made by a third party, or through an anonymous persona. Disparagement includes, but is not limited to: public writings, remarks, comments or statements (with or without malice); and which are false in nature, fact or substance; and which impugn the character, honesty, integrity, morality or business acumen or abilities in connection with any aspect of the operation of business of the covered individual or entity and include, but is not limited to, the torts of defamation, product disparagement, insulting words, injurious falsehood and / or trade libel.

Regulatory Information and Legal Entities

TrustandEstateplan.com is the trade name of the ALBRIGHT INVESTMENT MANAGEMENT, LLC., a Registered Investment Advisory company incorporated within the state of California and is authorized and regulated by the State of California’s Department of Business Oversight to provide Investment Advisory Services under Investment Advisor Certificate No:157853.

The material within and any linked material accessed via this Site is directed to eligible counterparties and professional clients only, and should not be distributed to or relied upon by any retail investor. 

This Site and its content is not an offer to sell or a solicitation to purchase any investment to any person or entity. 

All assets are solely owned by the trust to which they are gifted. Neither the Grantor nor Giftor is the owner of the assets of the trust.  The authority to invest the assets of the Trust resides solely with the applicable fiduciary within their sole discretion and authority. All investment options contained herein are limited to use solely by TrustandEstateplan.com as trustee and the associated investment fiduciaries providing instructions to the trustee. Nothing in this Site constitutes an offer to sell or a solicitation to purchase any investment to any person or entity. 

Right to Refuse

You acknowledge that TrustandEstateplan.com reserves the right to refuse service to anyone and to cancel access at any time. Improper access or attempted improper access or improper attempted access shall be deemed as an act of “Computer Trespass” subject to both civil and criminal prosecution.

Removal

You agree that breach of these Terms and Conditions may cause ongoing and irreparable damages. As such, you acknowledge and agree that TrustandEstateplan.com reserves the discretionary right to have immediately removed, upon written demand, any content, regardless of its location, you have directly or indirectly, published, posted, disclosed or made accessible to the public which TrustandEstateplan.com in its sole discretion deems a breach of these Terms and Conditions. You further agree and stipulate that such an event is a violation of the Digital Millennium Copyright Act (DMCA) and that all third parties, including the Internet Service Provider and hosting provider of the content provider, shall remove all such content immediately upon notice from TrustandEstateplan.com and such notice shall be deemed as your instruction and approval to remedy the breach by removal of the related content. Such removal shall not discharge you from any claim that TrustandEstateplan.com may otherwise have a right to bring under this Agreement.

Waivers

By using TrustandEstateplan.com ’s services or by accessing the www.TrustandEstateplan.com trust.com website (beyond accessing the www.TrustandEstateplan.com trust.com home page and these terms and conditions) you acknowledge that you have, by Promissory Estoppel, waived all rights, claims, affirmative defenses and all other defenses based on, or under, all forms of Qualified Privilege, including but not limited to; Common Interest Privilege, Fair Report Privilege, Neutral Reportage Privilege, Opinion Privilege, No Publication Privilege, Consent Privilege and so called “fair use” rights regarding the use of any of the Marks and /or content herein. You further agree and stipulate that by your use of the content of this Site or Marks you are an “information content provider”, as defined by 47 U.S. Code § 230, and additionally, you waive all claims, defenses and rights related to being a “provider of interactive computer service”.

Intellectual Property (Including Trade Secrets)

The Site contains trade secrets and intellectual property of TrustandEstateplan.com collectively defined as “Intellectual Property.” “Intellectual Property” is further defined as Intellectual Property owned, commissioned, developed, or created by TrustandEstateplan.com. Certain Intellectual Property may exist in a combination of characteristics and components, each of which, by itself, is in the public domain, but the unified process and operation of which, in unique combination, affords a competitive advantage and is a protectable secret. The term “Intellectual Property” includes (collectively and separately):

“Marks” (as defined herein),

User interfaces functions and design,

Process design,

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Pricing information,

Business strategy,

Financial information,

Marketing and advertising strategies,

Sales techniques,

Methods of conducting business,

Technology platforms,

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Web sites, publications, databases and other content,

Business processes material to the operation of the business,

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Trademarks and copyrights,

Franchise systems,

Object codes,

Investment Platforms,

Trading Platforms,

Trust document design and component elements,    

Patents and patent applications including any abandoned applications,

Pending trademark and service mark applications,

Domain names and domain name registrations.

All products and services currently produced, marketed, licensed, sold or distributed by TrustandEstateplan.com.

All products and services currently under development that TrustandEstateplan.com intends to make commercially available within 24 months from your last use this Site.

Inventions, whether or not patentable, whether or not reduced to practice or whether or not yet made the subject of a pending patent or application or applications,

Ideas and conceptions of potentially patentable subject matter, including, without limitation, any patent disclosures, whether or not reduced to practice and whether or not yet made the subject of a pending Patent application or applications,

Trade secrets and confidential, technical or business information (including ideas, formulas, compositions, designs, inventions, and conceptions of inventions whether patentable or un-patentable and whether or not reduced to practice),

Technology (including know-how), manufacturing and production processes and techniques, methodologies, research and development information, drawings, specifications, designs, plans, proposals, technical data, copyrightable works, financial, marketing and business data, pricing and cost information, business and marketing plans and customer and supplier lists and information. 

You further agree to not, directly or indirectly:

Acquire, use or disclose Intellectual Property, or any element of our Intellectual Property to another person(s), or

Engage in acquiring, or attempting to acquire, Intellectual Property by improper means; improper use of the website, including creating fictitious user identities or accounts, or acts of espionage (whether through electronic or other means). 

All rights, title, interest in and ownership of the Intellectual Property shall remain the sole property of and right of TrustandEstateplan.com. Nothing in these Terms and Conditions conveys any right or license to use Intellectual Property other than for the stated purpose of evaluating TrustandEstateplan.com  for your personal use. You acknowledge and agree that nothing in this Agreement shall be construed as granting any rights, license or otherwise, to disclose or use Intellectual Property and you waive rights, claims and defenses based on, or under all forms of Qualified Privilege, including but not limited to; Common Interest Privilege, Fair Report Privilege, Neutral Reportage Privilege, Opinion Privilege, No Publication Privilege, Consent Privilege and so called “fair use” rights regarding the use of any of the Marks and / or  Intellectual Property.

Detrimental Use

You acknowledge and agree that you will not, directly or indirectly, use any Intellectual Property in anyway detrimental to the TrustandEstateplan.com. You agree to keep all Intellectual Property in confidence and, except as expressly provided in these Terms and Conditions, will not disclose, or cause to be disclosed, Intellectual Property to anyone without TrustandEstateplan.com ’s prior written consent. You agree that you will not use, or permit others to use Intellectual Property information for any purpose other than for evaluating possible use of TrustandEstateplan.com for you own personal use. You will use all necessary efforts and safeguards to ensure that there is no disclosure, dissemination or unauthorized use of Intellectual Property.

Reverse Engineering

The Site contains the Intellectual Property of TrustandEstateplan.com. It is a violation and breach of these Terms and Conditions, and a deemed act of Computer Trespass subject to criminal and civil enforcement to attempt to “reverse engineer” any Intellectual Property.

Proxy Server Access, Fictitious User Identity and / or Fictitious Accounts Not Allowed

It is a violation and breach of these Terms and Conditions, and a deemed act of Computer Trespass subject to criminal and civil enforcement, to access this Site, or attempt to access this Site and use a false Internet Protocol (“IP”) address location other than the IP address of your actual physical access location. Any method similar to that of a Proxy Server, or Proxy Server Service, Proxy Redirect, IP Address Masking Software or other such service, method or software whose purpose is to disguise or provide a IP address other than that of your physical access location is violation and breach of these Terms and Conditions.

It is a violation and breach of these Terms and Conditions, and a deemed act of Computer Trespass subject to criminal and civil enforcement, to access this Site, or to attempt to access this Site, by use of a Fictitious User Identity and / or the creation of a Fictitious User Account.

Privacy Policy

This Privacy Statement relates solely to the online information collection and use practices of all of our websites (collectively "Web Site"), and any sub domains of those Web Sites. We recognize that many visitors and users of this Web Site are concerned about the information they provide to us, and how we treat that information. This Privacy Statement, which may be updated from time to time, has been developed to address those concerns.

Your use of this Web Site indicates to us that you have read and accept our privacy practices, as outlined in this Privacy Statement. If you have any questions or concerns regarding this Privacy Statement, please contact:  info@trustandestateplan.com.

WHAT INFORMATION ABOUT YOU DO WE COLLECT?

When you visit our Web Site, you may provide us with two types of information: (1) personally identifiable information that you knowingly choose to disclose, which is collected on an individual basis, and (2) general user information that does not contain personally identifiable information, which is collected on an aggregate basis as you browse the Web Site. In some cases, if you choose not to provide us with requested information, you may not be able to access all our Web Site's content or services.

Personally, Identifiable, Information You Choose to Provide.

We may ask for certain personal information from you for providing you with content and/or services that you request. We may retain a record of users who have contacted us to respond properly to questions or concerns and for purposes of future communications.

Non-Personally Identifiable Information We Collect.

Cookies/ Web server logs: Like other commercial Web sites, our Web Site utilizes standard technology called "cookies" and Web server logs to collect information about how our Web Site is used. Cookies are a feature of Web browser software that allows Web servers to recognize the computer used to access a Web site. Cookies are small pieces of data that are stored by a user's Web browser on the user's hard drive. Information gathered through cookies and Web server logs may include the date and time of visits, the pages viewed, time spent at our Web Site, and the Web sites visited just before and just after our Web Site. This information is collected on an aggregate basis. None of this information is associated with you as an individual.

You can, of course, disable cookies on your computer by indicating this in the preferences or options menus in your browser. However, it is possible that some parts of our Web Site will not operate correctly if you disable cookies. You should consult with your browser's provider/manufacturer if you have any questions regarding disabling cookies.

HOW DO WE USE THE INFORMATION WE COLLECT?

We use your personally identifiable information to provide you with the information, services or content that you have requested, and, in some cases, to contact you about our programs, products, features or services. If you no longer wish to receive press releases or any other type of information from us, you may send us an email through our "Contact Us" link or use our E-mail Alert form to change your preferences.

We use non-identifying information collected on our Web Site in the aggregate to better understand general usage of the Web Site and to enhance your enjoyment and experience. For example, we may use the information to improve the design and content of our Web Site or to analyze the programs and services that we offer.

We may employ other companies and individuals to perform functions on our behalf. Our employees, agents and contractors who have access to personally identifiable information are required to protect the information in a manner that is consistent with this Privacy Statement.

We may provide access to your personally identifiable information when legally required to do so, to cooperate with police investigations or other legal proceedings, to protect against misuse or unauthorized use of our Web Site, to limit our legal liability and to protect our rights, or to protect the rights and safety of visitors to this Web Site or the public. In those instances, the information is provided only for that limited purpose.

We will not share your personally identifiable information in ways unrelated to those described above without providing you with an opportunity to opt out of such use or otherwise prohibit such unrelated uses.

WHAT WE WILL NOT USE THE INFORMATION FOR

We will never sell the information you provide to us. Nor shall we make available the information for any other commercial purpose other than providing the services and information you have chosen to procure from the Web Site.

PRIVACY PROTECTIONS FOR CHILDREN USING THE INTERNET

Protecting children's privacy is important to us. For that reason, we do not collect or maintain information on our Web Site from those we know are under the age of 13, nor is any part of our Web Site targeted to attract anyone under 13. We request that all visitors to our Web Site who are under 13 not disclose or provide any personally identifiable information. If we discover that a child under 13 has provided us with personally identifiable information, we will delete that child's personally identifiable information from our records.

DATA SECURITY

We take reasonable steps to maintain the security of the personally identifiable information that we collect, including limiting the number of people who have physical access to our database servers, as well as installing electronic security systems that guard against unauthorized access and employing data encryption. However, no data transmission over the Internet can be guaranteed to be completely secure. Accordingly, we cannot ensure or warrant the security of any information that you transmit to us, so you do so at your own risk.

Security

We provide users with the highest standards of security and protection. From the moment, you login onto our site all communication between our servers and your computer is encrypted using the “gold standard” encryption technique; AES-256 (256-bit AES) Secure Socket Layer encryption.

AES is the certified Federal Information Processing Standard and there are currently no known direct attack hacks available against AES.

We enforce password strength policies and only allow for verified secure retrieval of your user account details should you not remember your password. Once you’ve signed into the system, and are running our application under SSL, all the data you enter is stored on a SQL Server running NT Authentication policies; this means that only authenticated registered users can access the data.

CONSENT TO TRANSFER

This Web Site is operated within the United States of America, its territories and districts. If you are located outside of the United States, please be aware that any information you provide to us will be transferred to the United States and be subject to the laws of the United States. By using our Web Site, participating in any of our services and/or providing us with your information, you consent to this transfer.

LINKS

This Web Site may contain links to third party sites. Please be aware that we are not responsible for the privacy practices of any third-party sites. Therefore, we encourage our users to read the privacy statement of every Web site that collects personally identifiable information. This Privacy Statement applies solely to information collected by this Web Site.