Privacy Policy

This Privacy Policy forms part of the User Agreement and is incorporated by reference therein. This Privacy Policy covers information you may provide to through the website. Capitalized terms not defined herein will have the meanings set forth in the User Agreement and related policies.

  • What personally identifiable information of yours is collected;
  • What organization is collecting the information;
  • How the information is used;
  • With whom the information may be shared;
  • What choices are available to you regarding collection, use and distribution of the information;
  • What kind of security procedures are in place to protect the loss, misuse or alteration of information under the company’s control; and
  • How you can correct any inaccuracies in the information.
  • Your Privacy is very important to is us at If you have questions or concerns regarding this statement, you should contact by sending an email to

This Privacy Policy describes the information we collect about you and what may happen to that information. Although this policy may seem long, we’ve prepared a detailed policy because we believe you should know as much as possible about’s practices so that you can make an informed decision.

  1. A Special Note About Children
  2. Security
  3. Information Collects
  4. Our Disclosure of Your Information
  5. User Account Cancellation Procedures
  6. Notification of Changes to our Privacy Policy

1. A Special Note About Children
Entry to this Site requires age verification. requires all Users and users to be at least eighteen (18) years old to use any area of the Site and requires that all Users and users agree to the terms of the Age Verification Agreement. Children are not eligible to use and we ask that minors (under the age of eighteen (18)) not to submit any personal information to us.

2. Security has certain security measures in place to help protect against the loss, misuse and alteration of the information under our control. We use Secure Socket Layer (SSL), which digitally encrypts your information as it is transferred from your computer to We take the following measures to protect user information once it is received by the Site:

  • Employees have limited and controlled access to User information;
  • Measures have been taken so that servers and the data stored thereon are in a secure physical location;
  • Security software is used where determines it to be both appropriate and cost effective;
  • Employees are informed of all security protocol on a regular basis, and
  • Web security procedures are quality-assured weekly.

3. Information Collects.
Our primary goal in collecting personal information from you is to provide you with a smooth and efficient experience while you’re using’s website services, and to keep you informed of opportunities available on those services. This allows us to provide services and features that are designed to meet your needs, and to customize our service to make your experience easier and quicker.

When you join using our online registration form, we may collect your email address, User name, real name, password, phone number and other personal information listed in the registration form. Your User name is used throughout to identify you to other Users. Therefore, you should be aware that if you use your real name as your User name, this information will be visible to others who visit the Site.

At no time will we share your telephone number with any other Users with whom you communicate. Because initiates all calls, other Users cannot see your telephone number—not even with Caller ID. Although the system maintains the connection between the two parties, we do not monitor or record the content of any calls.

You will, however, always receive administrative emails from that are related to the usage and functionality of You may not opt-out of these administrative emails unless you cancel your Usership.

We use information we maintain about you, and other information we obtain from your current and past activities on the Site, to resolve disputes, identify potential liabilities, troubleshoot problems and enforce our User Agreement. At times, we may look at your User account information and transaction history to identify problems or resolve disputes. Moreover, such information is never completely removed from our databases due to technical constraints and the fact that we back up our systems. Therefore, our Users’ personally identifiable information may not be completely removed from our databases in response to User requests.

We may from time to time run promotions in which we ask Users or visitors for demographic information (like their zip code, state/province or age). We may also run contests on in which we ask Users or visitors for demographic information. We use this data to tailor your experience, showing content that we think you might be interested in and displaying the content according to your preferences. We also use demographic information to determine eligibility for certain promotions and contests.

From time to time may ask Users to participate in surveys. Such surveys may ask Users for contact information (like their email address). We may use contact information from our surveys to send you information about our company. may contain links to other sites. is not responsible for the privacy practices or the content of such websites. We encourage you to review the policies of these sites. also facilitates communication among Users through our on-site Mail system. Messages sent via Mail are identified only by your User name. may use certain information collected from our Users in aggregate form to tailor our Users’ experience at the Site, showing you content that we think you might be interested in, and displaying the content according to your preferences. may also supplement the information you provide by purchasing information relating to you from third-party data providers. uses this information to improve its marketing and promotional efforts. uses cookies. Cookies are small amounts of data sent to a user’s browser from the Web servers and stored on a user’s computer’s hard drive. uses cookies to track the pages on the Site that our users visit. This allows us to collect aggregate information about usage on the Site. may also use cookies to deliver content specific to Users’ interests, and to keep track of Users’ User names and passwords so that Users do not have to re-enter them during a session. If you choose not to accept cookies, you will be unable to use the Site. uses your IP addresses to help diagnose problems with our server and to administer the Site. Generally, IP addresses tell us the location from which a person is connecting to us, what service provider the person is using and which parts of the Site the Site user is visiting. We do not link IP addresses to anything personally identifiable. This means that your session will be tracked, but you will remain anonymous. We reserve the right to track IP addresses for the purposes of fraud prevention, and we reserve the right to release IP addresses to legal authorities.

If you send email correspondence, or if other Users or other third parties send us email or other correspondence regarding a particular User’s activities or postings on the Site, may collect such information. strictly enforces and requires that all Users comply with its Anti-Spam Policy.

4. Our Disclosure of Your Information.
Except as explicitly stated herein, we do not sell, rent or trade any personally identifiable information to third parties. In addition to the other circumstances of disclosure described in this Privacy Policy, may disclose your personally identifiable information to third parties if you opt-in to having your personally identifiable information disclosed to such parties. When you consent to disclosure to such third parties, such third parties may use your information in accordance with their privacy policies, which may be less restrictive than this Privacy Policy. may also disclose your personal information to appropriate authorities and to banks associated with your User account in order to prevent or report suspected fraud and illegal activities, in order to prevent harm to any persons or if believes in good faith that the law requires it. In some cases, the government can compel the disclosure of information about you, and will comply, in which case you authorize it to do so. You also consent to disclosing information about you in connection with disputes involving other Users, and to actual or potential parties to a lawsuit or action that is or may become involved in, (a) if is required to do so, (b) if reasonably believes that such disclosures will potentially mitigate its liability, or (c) for to enforce its rights. may disclose some personally identifiable information to vendors and third-party service providers in connection with communications and payments to Users and other aspects of operating and promoting’s Site and Advisory Services.

5. User Account Cancellation Procedures.
If you decide you would like to cancel your User account on, you will need to send us an email — including your User name and email address — asking us to cancel. Send us mail to the following mailing address:

6. Notification of Changes.
We will notify you by email if there is a material change in our privacy practices or policies. We will take commercially reasonable measures to obtain written or active email consent from you if will use the information collected from you in a manner different from that stated at the time of collection. We will also notify you by email and/or post the changes in this Privacy Policy thirty (30) days prior to a change and at that time you will be given the opportunity to accept or not accept the changes, or cancel your Usership in the manner set forth in Paragraph 5 above.