Privacy Policy
updated: April 2003
Our Internet Privacy Policy provides information
regarding how we collect, use, and disclose personal
information provided to us when you visit us online
at www.SayPlanning.com and our affiliated web
sites within the PlanForMe.com network.
Items you would like to know about our privacy
policy governing our Internet sites:
We use various tools in order to service your needs
while visiting our web sites at www.SayPlanning.com
and our affiliated web sites within the PlanForMe.com
network. We use these tools to process your requests,
improve our web site offerings and navigation, respond
to questions, and personalize your online services.
Some of the tools that we may use include:
Web Site Tracking
Software
Our web servers utilize a tracking software
to capture your domain name address (the address
of your Internet service provider, not your
email address) for purposes of tracking web
site statistics. Note that we only collect information
about you when you voluntarily provide that
information through an application, request
form, or some other sponsored web site activity.
The capture of your domain name is a common
practice among all web sites for measuring the
number of hits, pages visited, and length of
user session. We use this information to measure
the effectiveness of our web site offerings
in order to service you better.
Cookies
A Cookie is a bit of text code that we develop
and store on your computer's hard drive. It
helps us to identify your computer when you
visit us again. An example of an assigned Cookie
is when you register for a contest or other
web site activity. After your register with
our web site for the first time, we assign a
Cookie to your computer's hard drive so that
upon returning to our web site, we identify
you as a registered user and link you directly
to the page for registered users. The Cookie
prevents you from having to reregister each
time you visit our web site.
The Cookie is uniquely yours, and it can only
be read by the web site that issued the Cookie.
The Cookies are used to collect information
from your computer. Some Cookies we may use
are temporary, meaning that they expire once
you close your browser. Some Cookies we may
issue remain on your computer's hard drive so
that when you return to our web site, we can
identify your computer as a previous user and
customize your unique web experience.
You can delete the Cookies from your computer's
hard drive if you wish. If you delete our cookie
from your computer's hard drive, however, and
then visit our web site again, you will be treated
as a first-time visitor since we will not be
able to identify your computer.
Current browsers allow you to accept or reject
certain Cookies based on the Platform for Privacy
Preferences (P3P). Through enhanced browser
settings, users can manage cookies and interactions
with P3P-enabled web sites. There are limitations
to P3P, which can restrict your full Internet
experience. We have therefore chosen not to
implement P3P-enabled privacy at this time.
Therefore you may receive privacy alert messages
when visiting our site if you are using a P3P-enabled
browser. Please note that we are committed to
providing a high standard of privacy as outlined
in this privacy policy.
We use various tools in order to service your
needs while visiting our Internet sites at www.SayPlanning.com
and its related network. We use these tools to
process your requests, improve our web site offerings
and navigation, respond to questions, and personalize
your online needs. Some of the tools that we may
use include:
Web Site Tracking
Software
Our web servers utilize a tracking software
to capture your domain name address (the address
of your Internet service provider, not your
email address) for purposes of tracking web
site statistics. Note that we never collect
information about you unless you voluntarily
provide that information through an interview
request form, or some other sponsored web site
activity. The capture of your domain name is
a common practice among all web sites for measuring
the number of hits, pages visited, and length
of user session. We use this information to
measure the effectiveness of our web site offerings
in order to service you better.
Cookies
A Cookie is a bit of text code that we develop
and store on your computer's hard drive. It
helps us to identify your computer when you
visit us again. An example of an assigned Cookie
is when you register for a contest or other
web site activity. After your register with
our site for the first time, we assign a Cookie
to your computer's hard drive so that upon returning
to our web site, we identify you as a registered
user and link you directly to the page for registered
users. The Cookie prevents you from having to
reregister each time you visit our site.
The cookie is uniquely yours, and it can only
be read by the web site that issued the cookie.
Cookies are used to collect information from
your computer. Some cookies we may use are temporary,
meaning that they expire once you close your
browser. Some cookies we may issue are permanent,
meaning they remain on your computer so that
when you return to our site, we can identify
your computer as a previous user and customize
your unique web experience.
You can delete Cookies from your computer's
hard drive at any time. If you delete our cookie
from your hard drive and then visit our site
again, you will be treated as a first-time visitor
since we will not be able to identify your computer.
Current browsers allow you to accept or reject
certain cookies based on the Platform for Privacy
Preferences ("P3P"). Through enhanced
browser settings, users can manage cookies and
interactions with P3P-enabled web sites. There
are limitations to P3P, which can restrict your
full Internet experience. We have therefore
chose not to implement P3P-enabled privacy at
this time. Therefore you may receive privacy
alert messages when visiting our site if you
are using an enabled P3P-enabled browser. Please
note that we are committed in providing the
highest standards of privacy as outlined in
this privacy policy.
Online Interview
Forms
We provide online qualification forms that allow
you to request a lending review of your information
for purposes of obtaining a loan or other financial
service. Our online qualifications forms are
secured behind state-of-the-art technology that
protects all information that you submit to
us. Understand that the information you submit
is voluntary. The interview form request yours
and your co-borrowers name, address, social
security number, and other personal, financial,
and contact information that will be shared
with a network of lender(s) that have been authorized
to receive your information.
These lenders who review your information may
contact you directly via phone, e-mail or other.
The lender(s) may store and use your information
for purposes of rendering a decision to lend
your money or perform some kind of financial
service. We advice you to request a copy of
lender's privacy policy once you have been contacted
by the lender(s).
Note: The information that you submit
to us will not be shared or sold to any person
or organization except to the lender(s) that
have been authorized to receive your information.
Email Address
You may supply us your email address that authorizes
us to:
- contact you either by phone and/or by email
- provide information during the interview
process on steps to complete your qualification
request form
- inform you about new product services and
product enhancements that may be of interest
to you
- update you on all other information that
may require your attention
Email addresses or other contact information
will not be sold to or used by third-party marketing
organizations.
Online Registrations
for Scholarships, Contests, and Other Online
Activities
SayPlanning.com may sponsor web site activities
that require registration in order to participate
in our online activity. The most common use
for registrations is for scholarships, contests,
and other online activities.
All scholarships, contests, and other online
activities are strictly voluntary and are not
required to visit other areas of our site or
to enter into a transaction with SayPlanning.com.
Information that we collect during registration
may include your name, address, date of birth,
gender, e-mail address, telephone number, name
of school, and other information. It is up to
you to decide whether to participate in these
activities and provide the required information.
Surveys
At times we may sponsor online surveys or other
data profile collections to measure our performance
or product offerings. All surveys are strictly
voluntary and are not required to visit or use
other areas of our site or to enter into a transaction
with SayPlanning.com.
Some of our online surveys may be marketing
oriented surveys, collecting information about
your likes, dislikes, purchasing habits, and
web site activities. This information helps
us deliver content and activities that are customized
and relevant to your preferences.
Other Activities
At times, we may make chat rooms, forums, message
boards, and/or news groups available to our
web site visitors. Again, your participation
in these activities are strictly voluntary.
You may choose to provide information to participate
in these activities. Please be aware that any
information that you disclose in these areas
becomes public information, so you should exercise
caution in disclosing personal information.
Information from Minors
We understand that the use of minors of the
Internet cannot be controlled by us. Minors
may visit our site and attempt to enter into
a transaction by submitting information or participating
in some online activity. We understand that
children have unique privacy needs. Therefore,
we will not knowingly collect without verifiable
parental consent any information from children
we know to be under 18 years of age, nor will
we send them any direct e-mail offers.
Personal information that you submit to us that
includes your social security number and other
identity information will be behind our secured
firewalls. In order to submit your information,
you must use Secured Socket Layer (SSL) enabled
browsers. This ensures that the information you
submit through our secured firewalls will be protected
from unauthorized use.
In addition, we maintain safeguards to keep information
confidential and secure. These include:
- We protect our systems and networks from the
Internet with Firewall systems which can be
thought of as selective barriers that only permit
specific types of traffic through our systems.
- We employ Intrusion Detection software and
monitor for unauthorized access.
- We use encryption technology to protect certain
sensitive information that is transmitted over
the Internet.
In order for SayPlanning.com and its subsidiary
sites to service your requests, process your qualification
request forms, and conduct business from day-to-day,
we must share submitted online information with
lending partners. These lenders partners may include
credit reporting agencies for approving loan requests,
lenders who will underwrite your loan and service
your loan requests, and other companies that allow
us to service your needs. At no time will these
companies use your data for purposes other than
the required processes to conduct business.
At times, we may aggregate data that has been
collected online for statistical modeling purposes.
Customer data may be shared with modeling companies
that help us analyze and profile the data. At
no time are these companies authorized to use
customer data for purposes other than performing
the work that we hired them to do.
At times, we may aggregate contact data for purposes
of sending you information on additional product
and service offerings that may be of interest
to you. Customer data may be shared with mail
companies and other direct marketing companies
for the purpose of preparing mail forms and other
contact media. At no time are these companies
authorized to use customer data for purposes other
than performing the work that we hired them to
do.
SayPlanning.com is a search-engine provider that
links to third-party web sites. We do not control
these third-party sites nor do we control how
they collect or use information. We also do not
warrant the information supplied by these third-party
web sites. It is important that you review the
privacy policy of each web site you visit to understand
how they collect, use, and disclose information.
You may come across our sites through a marketing
relationship with another company. We will try
to show clearly our logo or other information
that identifies us as the provider of services.
Please note that information submitted to us through
these marketing programs may be collected and
shared with our marketing partner.
Sometimes we may provide third-party links that
allow us to collect a fee for certain actions
completed by you. These fees allow us to cover
the costs of providing online services. At no
time will we engage in web site fee exchanges
for purposes of sharing customer date without
the express notification and permission from you.
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