BudgetToolkit.com

The following Privacy Policy applies to the use of this Web site as well as all transactions conducted through the site.

Privacy Policy
BudgetToolkit.com, LLC use of personal information that you may submit to BudgetToolkit.com, LLC through this Web site is governed by the BudgetToolkit.com, LLC Privacy Policy.

Subscription
In order to use this Web site, you must first complete the subscription order form and create a username and password. During the ordering process you give contact information including name and email address. We may use this information to contact you about the services on our site in which you have expressed interest. You may receive periodic communications from BudgetToolkit.com, LLC in relation to the service which you have purchased. BudgetToolkit.com, LLC is the sole owner of the information collected on this site.

Orders
If you purchase a service from us, we request certain personally identifiable information from you on our order form. You must provide contact information (such as name, email, and billing address) and financial information (such as credit card number, expiration date). We use this information for billing purposes and to process your membership request. If we have trouble processing a membership request, we will use this information to contact you. You will receive an automated email communication from us when your membership request has been fulfilled.

Communications - Special Offers and Updates
We will occasionally send you information on updates related to the services that we provide. Out of respect for your privacy, we present the option not to receive these types of communications. Please see Privacy Policy: Choice/Opt-out.

Communications - Service-related Announcements
We will send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

Communications - Customer Service
Based upon the personally identifiable information you provide us, we will send you a welcoming email to verify your username. We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.

Information Sharing and Disclosure - Personally Identifiable Information
We do NOT share personally identifiable information with third parties for promotional purposes.

Information Sharing and Disclosure - Agents
We use an outside credit card processing company to bill you for our services. When you sign up for our services, we will share your billing information as necessary for the third party to provide that service. This company does not retain, share, store or use personally identifiable information for any other purpose.

Information Sharing and Disclosure - Legal Disclaimer
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site.

Choice/Opt-out
If you no longer wish to receive our communications regarding service updates, you may opt-out of receiving them by emailing us at support@budgettoolkit.com.

Log Files
As is true of most Web sites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically-collected data to personally identifiable information.

Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We use only non-persistent cookies and we use these cookies to make it easier for you to navigate our site. These cookies contain user-related information which can be linked to Personal Information. These cookies contain username information as well as the account holder's first name. This information is used to identify you and your login status as you use the service/application. These cookies are removed when you logout of the application or close your browser however. A non-persistent cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. We do NOT use persistent cookies. When you leave our site via a static or rss newsfeed link to visit another site, third parties may set cookies on your hard drive. Some of these cookies may be persistent. Our privacy policy does not cover third party cookies which may be saved to your hard drive after you leave our site.

Links to Other Sites
This Web site contains links to other sites that are not owned or controlled by BudgetToolkit.com, LLC. Please be aware that we, BudgetToolkit.com, LLC, are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. This privacy statement applies only to information collected by this Web site.

Access to Personally Identifiable Information
If your personally identifiable information changes, or if you no longer desire our service, you may amend, delete/remove, or deactivate it by making the change on our My Account menu option.

Security
The security of your personal information is important to us. When you enter sensitive information (such as a credit card number) on our membership request forms, we encrypt that information using secure socket layer technology (SSL). We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can email us at security@budgettoolkit.com.

Business Transitions
In the event BudgetToolkit.com, LLC goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email of any such change in ownership or control of your personal information.

Changes in this Privacy Statement
If we decide to change our privacy policy, we will post those changes to this privacy statement so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

Contact Us
If you have any questions or suggestions regarding our privacy policy, please contact us via email at privacy@budgettoolkit.com, via postal mail at Stop 489, Smithville, TN 37166-0489 (P.O. Box 489 mailing address), or via phone at 212.389.9783.

BudgetToolkit.com, LLC is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, organization whose mission is to build user’s trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site www.budgettoolkit.com. Because this Web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information practices and have its privacy practices reviewed for compliance by TRUSTe.

If you have questions or concerns regarding this statement, you should first contact BudgetToolkit.com at privacy@budgettoolkit.com (212.389.9783 x702). If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed, you should contact TRUSTe at http://watchdog.truste.com/pvr.php?page=complaint&url= TRUSTe will then serve as a liaison with us to resolve your concerns.

Effective Date
Effective Date: 02/13/2009