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Purpose of our Privacy Policy

Our Privacy Policy discussed in detail below outlines a) what information we collect, b) how we use that information, c) who we share it with, d) how you can access your own information, e) your rights with regard to information we collect from you, f) cookies and other technologies, g) display of advertising, h) security Measures, i) external Links, j) openness, k) complaints, l) and changes to this policy.

By visiting this website you agree to accept this privacy policy and the practices outlined below.



By visiting our website and using its features or browsing for content the user implicitly consents to the collection of their information for purposes in conformity with this privacy policy. This includes, but is not limited to, such things as the users Internet Protocol address, what page a user lands on, what they browsed, how long they stayed on each page, and if they are a returning user. If the user registers with us the user will then sign an agreement expressly consenting to the collection of information, including personal identification information. By registering the user is consenting to allow us to verify information from financial institutions, credit bureaus, other lenders, and the government.


What Information we Collect

As a general policy we store and keep for an undetermined amount of time any information we receive from you via our website or any other method. This may include personal identification information such as your name, telephone number, fax number, address, postal or zip code, country of residence, e-mail address, profession, tax information, or other. This may also include any personal preferences that you have including what inputs you put into the calculator and what information was produced. We may also obtain both personal and non-personal information via other sources, such as through business affiliates, third party vendors, market research companies, suppliers, and any other independent third-party sources. We will also automatically collect third party information about your computer when using our website. For example, we will likely collect your IP address, Web browser, and how you found us. We may also collect information about what pages you viewed, what ads you clicked on, or any activity that you engaged in on the website.


What we do with your Information

We use your information to provide you with products and services that we believe best match your preferences based on the information obtained. We also use your information to provide to process bills, respond to questions, to measure your interests, and to improve our services, website, and products, to resolve disputes, collect fees, and troubleshoot problems. We may send you promotional and other material through electronic communications, or by mail. One method we will use in deciding what promotional offers we will send you is by using your personal information to determine what your interests are. We believe these communications may provide you with relevant information that is of some interest to you. You will be given the opportunity to opt-out of further e-mail communications.


Sharing of Information

We may share your information with affiliates, suppliers, or anybody that we do business with, as well as in response to government requests, in defense of lawsuits, subpoenas, court orders, or otherwise required by law. There is no limitation on our suppliers use or disclosure of your personal information. Our suppliers or affiliates may also contact you to obtain additional information as may be needed or required.

We may share your information with third-party vendors who provide such services as market analysis, business analysis, customer analytics, customer service, marketing, advertising, distributions of programs, fraud prevention, tax support, and financial records maintenance. Third party vendors may also control and or operate certain segments or parts of our website that provides additional services to users. We may also share your information with sites that referred you to us. This may be where you clicked on a link that directed you to our site. There is no restriction on information that is shared with referring sites.

If our company were to be sold, or merged, user information would likely be transferred in such sale or merger. The information may include personal information such as credit card numbers, date of birth, name, address, telephone number, preferences, etc. By disclosing your personal information to us you consent to such transfers of information.


How to Access Your Information

You can send an e-mail to and in accordance with law, information may be provided to you.


Cookies and other Technologies

Cookies are small data text files that are stored on your computer. You must have cookies enabled to fully use our website. We use cookies for the following purposes:

  1. To allow us to recognize that you are a previous visitor and to remember any settings you may have chosen on your previous visits. Cookies may be used to remember your login information, or any other information, so that you do not have to retype it every time you return to our website.
  2. To aid us in determining what content and advertisements to provide to you on this website.
  3. To analyze and research the effectiveness of website advertising, features, offerings, viewing patterns, which emails were opened and acted upon.
  4. We may use cookies and other technologies to receive commissions through affiliates that we direct traffic to.

Most web browsers allow the user to prevent the browser from accepting cookies. If you choose not to accept cookies you will not be able to use or access many parts of the website. We may also use what is colloquially called flash cookies on our website. We may use flash cookies to enhance your experience by storing user preferences and settings.

This site may also use what is known as Web beacons, which are small graphics with unique identifiers that are placed in the code of web pages. We use Web beacons to track traffic patterns on and off our website, to determine things such as if you arrived at our site through an advertisement and to improve site performance. We may also use Web beacons to determine which e-mails you have opened.


Displaying tailored advertising

We use the data collected to provide you with what we perceive to be the most relevant advertising. The advertising may be displayed by third parties and they will likely collect information on you, such as your location. We generally do not share private information such as credit card numbers with these third parties, however we may share personal information with them such as IP addresses and contact data. The information gathering practices of these third parties is not covered by this privacy policy.


Security Safeguards

While nobody, nor any website, can absolutely guarantee the security of your information, we have implemented reasonable and appropriate technical and physical security measures to ensure the privacy of your data. For example, your information is only authorized to be used by those who have a legitimate business purpose.


Children's Privacy

This website is not intended for any specific age group, however we do not offer services directly to children. Should we know that a child under eighteen (18) sent personal information, we will use that information to notify the child that we must have parental consent before allowing the child to use and access any restricted parts of the website.


External Links

Parts of this website will link to other sites and when users click on those links they will be directed to those sites. We do not recommend or endorse the other sites, nor do the other sites operate under this Privacy Policy.



We will make our privacy policy and procedures known to individuals who use our website by posting a copy of this privacy policy on our website. A user can also send us an e-mail requesting a copy of this privacy policy and either the policy will be sent to them or we will provide them with a link to this privacy policy.



If an individual has a complaint about our handling of their personal information, a complaint can be filed by sending us an e-mail. Please make the e-mail attention to “Chief Privacy Officer.” Upon verification of the individual's identity, the Chief Privacy Officer will investigate the complaint and provide a report to the individual. If the Chief Privacy Officer finds that the individual's complaint is founded, appropriate steps will be taken to try and mitigate and/or rectify the matter.


Updates and Changes to this Policy

We may make changes to and or update this privacy policy at any time in the future. We will post the updated privacy policy on the website.


Effective Date

This Privacy Policy is effective as of June 20, 2014.