Your Privacy Rights

Privacy Policy Effectiveness

This Privacy Policy shall apply only to individual consumers and solely to information collected by this Web site. This Privacy Policy is effective as of January 1, 2007 ("Effective Date") and applies to personal and financial information submitted on this Web site on or after the Effective Date.

Our Commitment to Privacy

Your privacy is important to us, as well as to our respective subsidiaries and affiliates (collectively, "we," "us" or "our") and we are committed to treating your personal information responsibly. To better protect your privacy, we provide this notice explaining our online information gathering and dissemination practices and the choices you can make about the collection and use of the personal information you submit on this Web site on which this Privacy Policy is posted. Use of this Web site constitutes your consent to our collection and use of personal data in accordance with the terms hereof. We use appropriate safeguards to protect the confidentiality of personal information we collect from visitors to this Web site. We do not sell or otherwise share information collected from you with outside unrelated third parties. Personal information collected is accessible only by designated staff or agents of our organization who are also bound to this statement, except as expressly described below. However, it is important to recognize that "perfect security" does not exist on the Internet. Therefore, while we endeavor to maintain appropriate physical and electronic procedures and safeguards to protect information collected from this Web site, we cannot guarantee the confidentiality of any information that you disclose online and transmit to us, and you understand that you do so at your own risk.