Personal Finance Center Privacy Policy

Personal Finance Center Privacy Statement Introduction: the Personal Finance Center has a strong commitment to providing excellent service to all of our customers, including respecting their concerns about privacy. We understand that visitors to our website may have questions about how this website collects and uses information. We have prepared this statement to inform you of the privacy principles that govern Personal Finance Center

This statement contains numerous general and technical details about the steps we take to respect your privacy concerns. The bottom line is that meeting your needs and expectations form the foundation of everything we do - including protecting your privacy. This website does not collect personally identifiable information from your computer when you browse the site. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your e-mail address, or any other personally identifiable information. Internet Protocol (IP) Address: An IP address is a number that is automatically assigned to your computer when you browse the Internet. When users request a page from our site, our servers log the user's current IP address. We use IP addresses to help diagnose problems. We do not link IP addresses to any personally identifiable information about you. Cookies: Our website uses "cookie" technology. "Cookies" are strings of text that a website may store on a user's computer. Our website uses cookies but only requires them in the online reservation process. Cookies enable our website to keep track of your preferences and activities relating to the website. Our website creates session cookies for each visit in order to facilitate your visit.

Use of Cookies for Advertising - we use third party service providers to serve and host our advertisements. These third parties use persistent cookies to track the number of times our site is accessed and whether the site was accessed from the advertisement. The cookies generated from the advertisements do not contain personally identifiable information and may remain on your hard drive three or more years unless deleted by you.

To track the effectiveness of Personal Finance Center advertisements on other sites, as well as the effectiveness of our advertising for other sites, Personal Finance Center uses pixel tags (also known as "clear gifs", "beacon gifs", "1-by-1 gifs", or "web bugs"). Pixel tags are not visible to the user of the site and consist of a few lines of computer coding. If you are visiting Personal Finance Center from an advertisement on another site, the pixel tag references the cookie you received when you clicked on the advertisement. The pixel tag then registers this activity with the third party advertising company to allow us to count the number of times an advertisement is accessed. In addition, we also measure the amount of traffic generated from a particular ad. At no time is personally identifiable information about you or your reservation collected by the third party advertising company, nor is any tracking information generated from the pixel tag allowed to be used by them for any other purpose other than to report web site activity to us or allow us to better target future interactive advertising. Our third party service providers may use pixel tags in Personal Finance Center marketing e-mails that help us send the e-mail in a format you can read, to allow us to know which e-mails you act upon and to better target the content of future e-mails. In addition, we track the aggregate number of e-mails read and whether any of the links in the e-mail were accessed. No other information is collected or used from pixel tags. Information We Collect: When we need to collect personally identifiable information from you, we will ask you to voluntarily supply us with the information we need.

Securing the Transmission and Storage of Information: All credit card applications listed with Personal Finance Center use a Secured Sockets Layer (SSL) line provided you are using a SSL enabled browser such as Microsoft Internet Explorer or Netscape Navigator. This ensures that your information is encrypted as it travels over the Internet. This secure mode is enabled before any such information is transmitted from your computer. You will know you are in secure mode when the padlock or key icon in the lower right-hand or left-hand corner of the computer screen appears in the locked position. You will usually only see this icon only when you are filling out an application. In addition, when accessing a secure server, the first characters of the site address will change from "http" to "https."

Personal Finance Center Privacy Statement Changes: In the future, we may need to change the privacy statement for Personal Finance Center. All changes will be made here so that you will always know what information we gather, how we might use that information and whether we will disclose it to anyone.

TERMS AND CONDITIONS OF THE USE OF THIS WEBSITE:
Personal Finance Center and its subsidiaries provide the materials contained on this web site to our customers and visitors. Personal Finance Center requires that all visitors to the Site adhere to the following Terms and Conditions. By accessing the Site and any of its pages, you indicate your acknowledgement and acceptance of the Terms and Conditions set forth below without limitation or qualification. Personal Finance Center may revise these Terms and Conditions at any time by updating this posting, which revisions will be binding upon all visitors to the Site. You should therefore visit this posting to review these Terms and Conditions from time to time as you visit the Site. For purposes of these Terms and Conditions references to Personal Finance Center include its affiliates, directors and employees.

Governing Laws and Regulations
User access to and use of the Site is subject to all applicable federal, state and local laws and regulations. Unauthorized use of this system is prohibited and violators can be prosecuted under federal and state laws. Texas law and Federal law will govern the interpretation and enforcement of these Terms and Conditions.

Copyright and Trademark Policies
The information contained at the Site, including but not limited to text and images herein (other than certain images licensed from third parties) and their arrangement, are copyright ©2002 by Personal Finance Center. All rights reserved. This Web site and its entire contents are for personal use only and may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted or distributed in any way, without Personal Finance Center's prior written permission.

Ownership of materials
Except as otherwise indicated, this Web site and its entire contents including, but not limited to, the text, information, material, software and graphics contained on this Website, are owned by Personal Finance Center and its affiliates. The Materials are protected by copyright, trademark and other intellectual property laws and treaties. Personal Finance Center makes no proprietary claim to any third-party names, trademarks or service marks appearing on this Web site. Any third-party names, trademarks, and service marks are the properties of their respective owners.

The Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way without Personal Finance Center's prior written permission.

By posting a message or contributing in anyway to this Web site, including, but not limited to, sending comments and e-mail, to this Web site, you expressly grant Personal Finance Center the right to use in any way, copy, republish or sell your message or other contribution as part of its property.

Personal Finance Center reserves the right to change, update, discontinue, or restrict or prevent access to this Web site or the Materials at any time without notice.

Disclaimer and Limitation on Liability
BY USING THIS WEB SITE, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THIS WEB SITE AND THE INTERNET GENERALLY. THE INFORMATION IS PROVIDED "AS IS," WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND. IN NO EVENT SHALL Personal Finance Center BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED Web SITE, EVEN IF Personal Finance Center OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

This Web site is intended to assist readers by providing financial data, ressources and editorial information on financial products. Personal Finance Center will not be responsible for any errors or omissions in the Materials or information provided on this Web site, any articles or postings for hyperlinks embedded in messages, nor for any loss or damage caused by your reliance on information obtained on this Web site or in a hyperlinked site.

This Web site provides information and advice based on our editorial content and advice of financial professionals. While Personal Finance Center believes such information and advice to be reliable, we make no claims or representations about the accuracy, reliability, timeliness, usefulness or completeness of such information or advice. All information and advice given on this Web site is intended only to assist you with financial decisions. However, by nature such information is broad in scope. Your financial situation is unique and our information and advice may not be appropriate for your situation. Accordingly, Personal Finance Center recommends that you get different opinions and seek the advice of your accountant and other financial advisers who are fully aware of your individual circumstances before making any final decisions or implementing any financial strategy. You should not rely on any information or advice you obtain on this Web site. Any reliance by you on any information or advice will be at your own risk.

This Web site may provide chat rooms, bulletin boards and other means for the public to contribute information and make statements. Personal Finance Center does not make any endorsements of these statements nor representations that the statements are true and accurate. Personal Finance Center reserves the right to edit statements made within these forums. We also reserve the right to limit or restrict access to users who abuse these forums. You should be cautious when acting on information provided by contributors to these chat rooms. You should not rely solely upon the information and opinions of the chat rooms or bulletin boards.

Links to third-party sites:
This Web site contains links to third-party sites. These links are provided for convenience purposes and are not under the control of Personal Finance Center. Personal Finance Center does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by Personal Finance Center with respect to any third party, any third party's Web site, the content of any third party's Web site, or any products or services provided by a third party.

Governing law and jurisdiction
These terms and conditions of use shall be governed by and construed in accordance with the laws of the United States of America and the state of Texas, without giving effect to any choice of law or conflict of law provision or rule (whether of the state of Texas or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the state of Texas. By using this Web site, you consent to the jurisdiction of the state and federal courts of Williamson County, Texas, U.S.A. for any action or proceeding arising under or relating to these Terms of Use, this Web site or the use of, or reliance on, this Web site.