PRIVACY POLICY
Your privacy is very important to us. We want to make your experience
on the Internet as enjoyable and rewarding as possible, and we want you to use the Internet's vast array of information,
tools, and opportunities with complete confidence.
We have created this Privacy Policy to demonstrate our
firm commitment to privacy and security. This Privacy Policy describes how our company collects information from all end users
of our Internet services (the "Services")-those who access some of our Services but do not have accounts ("Visitors")
as well as those who may purchase Products and/or pay a monthly service fee to subscribe to the Service ("Members")-what
we do with the information we collect, and the choices Visitors and Members have concerning the collection and use of such
information. We request that you read this Privacy Policy carefully.
Personal Information Our Company
Collects and How It Is Used
Introduction. Our company collects information in different ways from Visitors
and Members who access the various parts of our Services and the network of Web sites accessible through our Service. We use
this information primarily to provide a customized experience as you use our Products and Services, and generally, do not
share this information with third parties. However, we may disclose personal information collected if we have received your
permission beforehand or in very special circumstances, such as when we believe that such disclosure is required by law or
other special cases described below.
Registration: Members may be asked to provide certain personal
information when they sign up for our Products or Services including name, address, telephone number, billing information
(such as a credit card number), and the type of personal computer being used to access the Services. The personal information
collected from Members during the registration process is used to manage each Member's account (such as for billing purposes).
This information is not shared with third parties, unless specifically stated otherwise or in special circumstances.
However,
in instances where our company and a partner jointly promote our Services, we may provide the partner certain personal information,
such as the name, address, and username of persons who subscribed to the Services as a result of the joint promotion for the
sole purpose of allowing us and the partner to assess the results of the promotion.
In this instance, personal
information may not be used by the partner for any other purpose. We may also generate non-identifying and aggregate profiles
from personal information Members provide during registration (such as the total number, but not the names, of Members). As
explained in more detail below, we may use this aggregated and non-identifying information to sell advertisements that appear
on the Services.
Our Company Partners and Sponsors: Some products and services may be offered to Visitors
and Members in conjunction with an affiliate, independent contractor seller or non-affiliated partner. To provide Visitors
and Members some of these products and services, the partner may need to collect and maintain personal information. In these
instances, you will be notified before any such data is collected or transferred and may decide not to use that particular
service or feature.
Additionally, our partners may have advertisements or co-branded Web Pages that are cosponsored
by an affiliate, independent contractor seller, or non-affiliated partner. Our company may share non-identifying and aggregate
information (except as described above), but not personal information, with such partners in order to administer the co-branded
products or services offered.
Online Shopping: At some Web sites, you can purchase products and services
or register to receive materials, such as a newsletter, catalog or new product and service updates. In many cases, you may
be asked to provide contact information, such as your name, address, email address, phone number, and credit/debit card information.
If you complete an order for someone else, such as an online gift order sent directly to a recipient, you may be asked
to provide information about the recipient, such as the recipient's name, address, and phone number. Our company has no
control over the third parties' use of any personal information you provide when placing such an order. Please exercise
care when doing so.
If you order services or products directly from our company we will use the personal
information you provide only to process that order. We do not share this information with outside parties except to the extent
necessary to complete that order.
Online Advertisements: Our company may display our online advertisements.
In those cases we share aggregated and non-identifying information about our Visitors and Members collected through the registration
process as well as through online surveys and promotions with these advertisers.
Additionally, in some instances,
we use this aggregated and non-identifying information to deliver tailored advertisements or joint ventures. For instance,
an advertiser or joint venture company tells us the audience they want to reach and provides us an advertisement tailored
to the audience. Based upon the aggregated and non-identifying information we have collected, we may then display or send
the advertisement to the intended audience. Our company does not share personal information about its Visitors or Members
with these advertisers or joint venture companies.
Responses to Email Inquiries: When Visitors or Members send
email inquiries to our company, the return email address is used to answer the email inquiry we receive. Our company does
not use the return email address for any other purpose and does not share the return email address with any third party.
Voluntary Customer Surveys: We may periodically conduct both business and individual customer surveys. We encourage
our customers to participate in these surveys because they provide us with important information that helps us to improve
the types of products and services we offer and how we provide them to you. Your personal information and responses will remain
strictly confidential, even if the survey is conducted by a third party. Participation in our customer surveys is voluntary.
We may take the information we receive from individuals responding to our Customer Surveys and combine (or aggregate)
it with the responses of other customers we may have, to create broader, generic responses to the survey questions (such as
gender, age, residence, hobbies, education, employment, industry sector, or other demographic information). We then use the
aggregated information to improve the quality of our services to you, and to develop new services and products. This aggregated,
non-personally identifying information may be shared with third parties.
Special Cases: It is our company's
policy not to use or share the personal information about Visitors of Members in ways unrelated to the ones described above
without also providing you an opportunity to opt out or otherwise prohibit such unrelated uses.
However, we may
disclose personal information about Visitors or Members, or information regarding your use of the Services or Web sites accessible
through our Services, for any reason if, in our sole discretion, we believe that it is reasonable to do so, including: credit
agencies, collection agencies, merchant database agencies, law enforcement, or to satisfy laws, such as the Electronic Communications
Privacy Act, the Child Online Privacy Act, regulations, or governmental or legal requests for such information; to disclose
information that is necessary to identify, contact, or bring legal action against someone who may be violating our Acceptable
Use Policy or Terms Of Service, or other user policies; to operate the Services properly; or to protect our company and our
Members.
"Cookies" and How Our Company Uses Them. A "cookie" is a small data file that
can be placed on your hard drive when you visit certain Web sites. Our company may use cookies to collect, store, and sometimes
track information for statistical purposes to improve the products and services we provide and to manage our telecommunications
networks.
If you are a Visitor or Member we may use a cookie to save your settings and to provide
customizable and personalized services. These cookies do not enable third parties to access any of your customer information.
Additionally, be aware that if you visit other Web sites where you are prompted to log in or that are customizable, you may
be required to accept cookies.
Advertisers and partners may also use their own cookies. We do not control
use of these cookies and expressly disclaim responsibility for information collected through them.
Our Company
Commitment to Children's Privacy. Protecting children's privacy is especially important to us. It is our policy to
comply with the Children's Online Privacy Protection Act of 1998 and all other applicable laws. Therefore we restrict
our Web site to persons eighteen years or older.
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE.
IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS
FOR USE OF THIS WEB SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS
NOT MONITORED AS DOING SO.
Public Forums: Please remember that any information you may disclose in
any Member Directory, or other public areas of our Web sites or the Internet, becomes public information. You should exercise
caution when deciding to disclose personal information in these public areas.
Our Company's Commitment
to Data Security: Services and Web sites we sponsor have security measures in place to protect the loss, misuse, and
alteration of the information under our control. While we make every effort to ensure the integrity and security of our network
and systems, we cannot guarantee that our security measures will prevent third-party "hackers" from illegally obtaining
this information.
Where to Direct Questions About Our Privacy Policy: If you have any questions about
this Privacy Policy or the practices described herein, you may contact us through the contact information provided on this
Web site.
Revisions to This Policy: Our company reserves the right to revise, amend, or modify this policy,
our Terms Of Service agreement, and our other policies and agreements at any time and in any manner, by updating this posting.
© 2008 Kugarand Holdings, Inc.