Privacy Policy

Your privacy is our priority! We are committed to your right to privacy. We strongly respect your privacy and guarantee to keep your personal and financial information secure. The information you submit is completely confidential and we will only share this information with our participating lenders and vendors. (Lenders and Vendors we identify as an appropriate match for your situation).

We are not, ourselves, a lender or vendor. If you submit your information on our site for the purpose of obtaining a loan or other financial product, we take the information you supply and match it with lenders and vendors within our database, and then pass the information along to them so that they may provide you with the financial product(s) you have requested.

When you choose to inquire with a lender or vendor who advertises with us, your information remains between you and that lender(s) or vendor(s). Advertisers are solely responsible for keeping their information current. We shall not be responsible or liable for any products, services, information or other materials displayed, purchased, or obtained as a result of any information or offer in or results of any kind obtained in connection with this website. Nothing on this website contains an offer, promise or otherwise, either to make a specific bid on any specific terms or that any participating lender or vendor.

We know you want to remain in control of your personal information. We realize that earning and retaining your trust is of paramount importance and it's a responsibility we take very seriously, every day.

That's why we've provided this Privacy Policy, which sets forth our policies regarding the collection, use and protection of the personal information of those using the A1PersonalFinance.com website. Personal information means information that can be linked to a specific individual, such as name, address, telephone number, e-mail address and credit card number.

We encourage you to review our Privacy Policy, and become familiar with it. Please know that we do not distribute our customers' personal information to third parties with the exception of when a person has requested a financial quote, or any other financial service or product *which they may have requested*.

Please note that we review our Privacy Policy from time to time, and we may make periodic changes to the policy in connection with that review. Therefore, you may wish to bookmark this page and/or periodically review this page to make sure you have the current version.

This Privacy Policy explains the following:

• What personal information we collect from you and how we use it
• With whom (if anyone) your personal information is shared
• How you can opt-out of receiving our promotional e-mails
• What safeguards we have in place to protect your personal information
• Other information you should know about your privacy

What personal information does A1PersonalFinance.com gather from me and how is this information used?

When browsing our site, you are not required to provide any personal information unless and until you choose to make a purchase, sign up for one of our e-mail newsletters, request financial quotes, or other services as described below. We do not knowingly permit the site to be used by any person under the age of eighteen and we do not knowingly collect any personal information from children (meaning those younger than eighteen years of age).

Making a Purchase
In order to purchase services through our site, you must provide us with certain personal information such as your name, your credit card number and expiration date, your credit card billing address, your telephone number, your e-mail address and the name or names of the person(s) traveling (if not you). We require this information so that we can process, fulfill and confirm your services and or purchases.

Newsletters
Our newsletters are optional benefits you may choose to subscribe to if you should desire.

Online Surveys
A1PersonalFinance.com values opinions and comments from members, so we frequently conduct online surveys. Participation in these surveys is entirely optional. Typically, the information is aggregated and used to make improvements to A1PersonalFinance.com and to develop appealing content, features and promotions for members. Survey participants are anonymous unless otherwise stated in the survey.

Automatic Logging of Session Data
We automatically log generic information about your computer's connection to the Internet, which we call "session data", that is anonymous and not linked to any personal information. Session data consists of things such as IP address, operating system and type of browser software being used and the activities conducted by the user while on our site. An IP address is a number that lets computers attached to the Internet, such as our web servers, know where to send data back to the user, such as the pages of the site the user wishes to view. We collect session data because it helps us analyze such things as what items visitors are likely to click on most, the way visitors are clicking through the site, how many visitors are surfing to various pages on the site, how long visitors to the site are staying and how often they are visiting. It also helps us diagnose problems with our servers and lets us better administer our systems. Although such information does not identify any visitor personally, it is possible to determine from an IP address a visitor's Internet Service Provider (ISP) and the approximate geographic location of his or her point of connectivity.

Cookies
"Cookies" are small pieces of information that are stored by your browser on your computer's hard drive. There are many myths circulating about cookies, but you should know that cookies are only read by the server that placed them, and are unable to do such things as run programs on your computer, plant viruses or harvest your personal information. The use of cookies is very common on the Internet and A1PersonalFinance.com's use of cookies is similar to that of such sites as, CNN.com, Google.com, Yahoo.com and other reputable online companies.

First and foremost, you can rest assured that no personal information about you is gathered or stored in the cookies placed by the A1PersonalFinance.com web site and, as a result, none can be passed on to any third parties. Cookies allow us to serve you better and more efficiently, and to personalize your experience at our site. No personal information about you is gathered through the use of these types of cookies.

A cookie may also be placed by our advertising server. Such cookies are used only for purposes of tracking the effectiveness of advertising served by us on our site and no personal information about you is gathered from you by the use of these cookies, nor is this information shared with any third parties. Similarly, a cookie may be placed by our third-party advertising companies. These companies may use aggregated statistics about your visits to this and other web sites in order to provide advertisements about travel-related goods and services that you may be interested in. The information they collect does not include your personal information.

The third-party advertising companies may also employ technology that is used to measure the effectiveness of ads. Any such information is anonymous. They may use this anonymous information about your visits to this and other sites in order to provide advertisements about goods and services of potential interest to you. No personal information about you is collected during this process. The information is anonymous and does not link online actions to an identifiable person. If you would like more information and want to explore the option of not having this information collected by third-party advertisers, click here.

Most web browsers automatically accept cookies. Of course, by changing the options on your web browser or using certain software programs, you can control how and whether cookies will be accepted by your browser. A1PersonalFinance.com supports your right to block any unwanted Internet activity, especially that of unscrupulous websites. However, blocking A1PersonalFinance.com cookies may disable certain features on our site and may make it impossible to purchase or use certain services available on the site. Please note that it is possible to block cookie activity from certain web sites while permitting cookies from sites you trust, like A1PersonalFinance.com. Click here for more information.

Other
From time to time we may add or enhance services available on the site. To the extent these services are provided and used by you, we will use the information you provide to facilitate the service requested. For example, if you email us with a question, we will use your email address, name, nature of the question, etc. to respond to your question. We may also store such information to assist us in making the site the better and easier to use.

With whom (if anyone) will my personal information be shared?

When you request financial quotes, information, or other services through A1PersonalFinance.com, we must provide certain parts of your personal information to the bank, lender, or other involved third party to enable the successful fulfillment of your request. However, we do not otherwise distribute individual customer names or other personal information to third parties. We use non-personally identifiable information in aggregate form to build higher quality, more useful online services by performing statistical analyses of the collective characteristics and behavior of our customers and visitors, and by measuring demographics and interests regarding specific areas of our site. We may provide anonymous statistical information based on this data to suppliers, advertisers, affiliates and other current and potential business partners. We may also use such aggregate data to inform these third parties as to the number of people who have seen and clicked on links to their web sites. Occasionally, A1PersonalFinance.com will hire a third party to act on our behalf for projects such as market-research surveys and contest-entry processing and will provide information to these third parties specifically for use in connection with these projects. The information we provide to such third parties is protected by a confidentiality agreement and is to be used solely for completing the specific project. See "What other information should I know about my privacy?" below.

How can I opt-out of receiving your promotional emails?
Our Opt-out Policy

At any time, you can unsubscribe from our newsletter or similar services by clicking the "unsubscribe" link at the bottom of the newsletter or email.

What other information should I know about my privacy?

A1PersonalFinance.com may contain links to other web sites. Please note that when you click on one of these links, you are entering another web site for which A1PersonalFinance.com has no responsibility. We encourage you to read the privacy statements of all such sites as their policies may be materially different from this Privacy Policy. Of course, you are solely responsible for maintaining the secrecy of your passwords and your A1PersonalFinance.com membership account information. Please be very careful, responsible, and alert with this information, especially whenever you're online.

In addition to the circumstances described above, A1PersonalFinance.com may disclose member information if required to do so by law, court order, as requested by other government or law enforcement authority, or in the good faith belief that disclosure is otherwise necessary or advisable including, without limitation, to protect the rights or properties of A1PersonalFinance.com or its affiliated companies or when we have reason to believe that disclosing the information is necessary to identify, contact or bring legal action against someone who may be causing interference with our rights or properties, whether intentionally or otherwise, or when anyone else could be harmed by such activities. In addition, if A1PersonalFinance.com or substantially all of its assets are acquired, our customer information will most likely also be transferred in connection with such acquisition.

We may change or supplement this Privacy Policy from time to time. Any material changes in the way A1PersonalFinance.com uses personal information will be described in future versions of this Privacy Policy. Privacy Policy changes will apply to the information collected from the date we post the revised Privacy Policy, as well as to existing information held by us. If we decide to change this Privacy Policy in a material way, we will obtain the necessary consents required under applicable privacy laws if we seek to collect, use or disclose personal information for purposes other than those for which consent has been obtained, unless otherwise required or permitted by law.

Thank you for using A1PersonalFinance.com!