This Privacy Policy is effective as of December 1, 2014 (the “Privacy Policy” or “Policy”).

This Policy describes how we protect your privacy when you use our web site located at (the “Website”). This Policy applies only to Personal Information collected through our Website. “Personal Information” means information, either alone or in combination with other information available to us, that identifies you, your firm, or your company.   

By using our Website, you are agreeing to the collection, use, and disclosure of your Personal Information as described in this Policy. If you do not consent to the collection, use, and disclosure of your Personal Information as described in this Policy, you are forbidden to use our Website.

We reserve the right to update or change this Policy, at any time and without prior notice. The current version of this Policy may be accessed at any time by clicking on the link marked “Privacy” at the bottom of each page of our Website.  Use of our Website following any update or change to this Policy constitutes your agreement to the revised Policy.

1. Personal Information Collected

The Personal Information you knowingly and voluntarily provide is collected when you use our Website, including, but not limited to, such activities as filling out registration forms or comment boxes.  Additionally, we collect information that is sent to us automatically by your web browser, such as your IP address, the address of the web page you were visiting when you accessed our Website, information on your operating system and browser, and the date, time, length and nature of your visit. The information we receive depends on the settings on your web browser and does not identify you personally.  However, if you have supplied Personal Information on our Website, we may link the information provided by your browser to your Personal Information.

We also use various technologies to collect information and manage our Website. Each time you visit our Website, our web server will recognize you using these technologies. These technologies do not identify you personally. However, if you have supplied Personal Information, we may link your Personal Information to information collected by these technologies. An example technology we employ from time-to-time is a so-called cookie.  A cookie is small piece of data sent by our Website and stored in your web browser while using our Website. Every time you visit our Website, your browser sends the cookie data back to our server to notify our Website of your previous activity.  Cookies and other personalization technologies allow us to create a customized experience for your visit.  You may set your browser to reject cookies, to alert you when a cookie is placed on your device, or delete cookies as soon as you leave our Website. Although if you set your browser to reject cookies, you will not be able to use all of the features and functionality of our Website.

2. Use of Your Personal Information

Your Personal Information is used to maintain your registration on our Website, to improve our Website, and for any other purpose we may disclose to you from time to time. We also use information sent to us by your web browser or by cookies or similar technologies to perform statistical analyses of our server logs in order to study the use and popularity of various areas of our Website. Occasionally, we may also use your Personal Information to notify you about important changes to this website, and new services and special offers we think you will find valuable. You may notify us of your desire not to receive these notices by clicking the unsubscribe link contained in each such notification.  For products or services that require payment, we collect information (such as credit cards) that is used for our billing purposes only and is not otherwise shared.

3. Who Else Uses Personal Information You Provide Us?

It is not our policy to make available your Personal Information to unrelated third parties for marketing purposes, or for any other purposes not expressly described in this Policy. However, we may share your Personal Information with other web sites under the same ownership as our Website. We may inform underwriters and advertisers of the results of our analyses of our server logs, including details regarding Website usage and general information about our audience, however, such disclosures will refer only to general, aggregate usage data from these analyses, not Personal Information. We may share your Personal Information collected through our Website with companies and organizations that perform services on our behalf where necessary for performance of those services, such as companies that provide data storage, web hosting and e-mail services. We may disclose the Personal Information we collect through our Website when we, in good faith, believe disclosure is necessary to comply with the law (or a court order or subpoena); to prevent or investigate a possible crime, such as fraud or identity theft; to enforce the terms of service or other agreements that govern your use of our Website; to protect the rights, property or safety of our organization, our users or others; or to protect your vital interests. All information submitted to our Website is a business asset and will become part of our normal business records. Your Personal Information may be transferred to another company that has acquired equity or assets from us, for example, as the result of a sale, merger, acquisition, divestment, reorganization, dissolution or liquidation. If such a transfer occurs, the acquiring company’s use of your Personal Information will still be subject to this Policy, and the privacy preferences you have expressed to us.

4. Security

Information, whether Personal Information or otherwise, when posted to bulletin boards, forums, comments, or in other community areas on our Website, can be read by third parties and may result in unsolicited messages from other posters or third parties. We have no control over the use of any information you make publicly available on our Website, and we urge you to use caution in disclosing your Personal Information or other information that would enable a third party to contact you.

Although we have security measures in place to safeguard the confidentiality of Personal Information as it travels over the internet, perfect security does not exist and we cannot guarantee the safety of transmitting Personal Information over the internet.  Additionally, our Website contains links to outside websites beyond our control, and we can neither verify nor vouch for the privacy policies or security of those sites.

5. Children’s Privacy

We do not knowingly solicit or collect Personal Information from children under the age of 13.  We do not market any products or services to children under the age of 13.  If you are under the age of 13, do NOT provide us with any Personal Information.  If we are notified that someone under the age of 13 has provided us Personal Information, we will use reasonable efforts to remove such information from our databases.