Last Updated: 7/10/2013

This is the privacy policy ("Privacy Policy") for this application ("we", "us" or "our") and all content, information, features, and functionality made available thereon (collectively, "Application"). This Privacy Policy will remain in full force and effect, even if your use of the Application terminates, expires, ceases, is suspended or deactivated for any reason. If you do not agree with this Privacy Policy, please do not purchase, download, access or otherwise use the Application. This Privacy Policy applies regardless of the device or technology you use to access the Application.

This Privacy Policy governs only the Information (as defined herein) collected by us on or in connection with the Application and does not cover any other information collected in any other manner or collected by any third party, unless specifically stated. Where you have provided your personal information to third parties, including, but not limited to, marketing companies, advertisers and service providers and have provided sufficient consent, we may obtain such personal information and combine it with your Information (as defined herein) and, if we do so, our use of the resulting combined Information will be subject to this Privacy Policy.

When we use the term "Personal Information" we mean any information that we collect in connection with the Application that would allow someone to identify you or contact you, such as your full name, address, e-mail address, physical address, payment card information or telephone number(s). When we use the term "Additional Information", we mean any information that we collect about you in connection with the Application other than Personal Information. (Personal Information and Additional Information shall be collectively referred to as "Information"). By downloading, purchasing, accessing and/or otherwise using the Application, you affirmatively consent to our collection and use of Information in accordance with the terms and conditions of this Privacy Policy.


1.1 Registration, Features, Functions and Communications. You may choose to provide certain Information to us when you use the Application. This may be in connection with the features and functionality of the Application, including, but not limited to, registration features, personal profiles, communication and networking features, subscriptions, purchases and other functionality, which may include your email address, legal name, telephone number(s), physical address, payment card information, etc. In addition, you may be presented with the opportunity to sign up to receive additional newsletters, email communications, or other communications from us in order for us to provide up-to-date information about the Application, and to publicize and promote certain content, products and services offered by us or our business partners. When there is a separate sign-up for newsletters, we may ask for your contact information such as name and email address, and, sometimes, demographic and profile information.

1.2 Automatic Information Collection. When you launch, access, interact with and/or otherwise use the Application, we automatically collect certain Information such as a unique device identifier assigned to your device ("UDID"), Internet protocol (IP) address (if applicable), geolocation data, and other Information regarding your use of the Application to assist us in authenticating your usage and/or device, keeping track of your preferences, creating a more tailored user experience, better serving your particular interests and needs, etc. In addition, the Application and/or third parties may use "cookies" (which are small data files containing information about you that is stored on your device), "embedded scripts", and other similar tracking technologies (collectively, "Tracking Technologies") to collect Additional Information automatically as you interact with the Application. Tracking Technologies enable us, among other things, to track your interaction with the Application, and target your interests to enhance your experience with the Application. We may also use Tracking Technologies to collect "clickstream" data, such as your device type, operating system and platform, the average time spent using the Application, content viewed, searched for, access times and other relevant statistics. We may associate the information obtained through these Tracking Technologies and your UDID with your Personal Information so we can better customize your experience using the Application and provide tailored advertisements, promotions and other content related to your specific interests, activities or profile. By using the Application, you acknowledge, understand and hereby agree that you are giving us your consent to track your activities and your use of the Application as described in this Privacy Policy.

This Application may also use a variety of third party advertising networks, data exchanges, traffic measurement service providers, marketing analytics service providers and other third parties (collectively, "Third Party Advertising Service Providers") to, for example, serve advertisements on the Application, facilitate targeting of advertisements and/or measure and analyze advertising effectiveness and/or traffic on or in connection with the Application. Such services may enable us to display advertisements based on your use of the Application and other websites, services and platforms you have used or visited. Targeting services enable us to, among other things, help deliver advertisements or other content to you for products and services that you might be interested in, to prevent you from seeing the same advertisements too many times and to conduct research regarding the usefulness of certain advertisements to you.

You may have the ability to set certain privacy options that limit the provision of certain Information, such as geolocation information, whether by responding to request alerts or notifications that may be presented to you on your device prior to the collection of the relevant information or by navigating to the settings section of your device and limiting certain Application functionality (e.g., location services, etc.). Please be aware that that if you limit the collection of certain Information, you may not be able to use all of the features and functionality of the Application.


2.1 We may use your Personal Information for many purposes, including, but not limited to, the following:

  • Providing any services or products that you request or purchase in connection with the Application;
  • Contacting you regarding the administration of any features or functions of the Application;
  • Sending you marketing and promotional e-mails and correspondence;
  • Allowing you to participate in the support and other features of the Application;
  • Responding to your questions or other requests;
  • Tailoring your experience with the Application and/or otherwise customizing what you see when you use the Application;
  • Saving your registration and profile data or other Personal Information (so you are not required to have to re-enter it each time you use the Application);
  • Providing you with a products and services of enhanced value to you;
  • Marketing and promoting the Application, including promotions and other initiatives and activities;
  • Where you order goods or services, performing credit checking where relevant. Please note that when a credit reference agency receives a search from us they will place a footprint on your credit file that may be seen by other organizations;
  • For the prevention and detection of fraud or infringement of our or any third party's rights;
  • Tracking your use of the Application;
  • To comply with legal obligations or legal process; and
  • For other purposes disclosed at the time you provide us with the Personal Information or which are reasonably necessary to provide the product and/or service requested.

2.2 In addition, we may use the Additional Information for many purposes, including, but not limited to, the following:

  • For research purposes, for marketing/promotional purposes and/or to provide anonymous reporting for internal and external clients, business partners, etc.;
  • Accumulating and reporting aggregate, statistical information in connection with the Application and user activity;
  • Determining which features, functionality and services of the Application users like best to help us operate the Application, enhance and improve the Application and display advertising and marketing information;
  • Saving certain Additional Information for your ongoing use of the Application;
  • For the uses described for "Personal Information" above; and
  • For other purposes disclosed at the time you provide us with the Additional Information or which are reasonably necessary to provide the service requested.


3.1 Marketing and Promotional Communications. At times, you may receive certain marketing and promotional communications from us and others that we think will be of interest to you. You can unsubscribe to such communications by either following the specific instructions included in such communications or you may "opt-out" of receiving marketing and promotional e-mails from us at any time by sending an email to us at detailing your privacy request. Please note that "opt-out" and "unsubscribe" requests may not take effect immediately and may take a reasonable amount of time to receive, process and apply, during which time your Information shall remain subject to the prior privacy settings. Additionally, you should be aware that any Information provided to third parties prior to your election to opt out or unsubscribe cannot be retrieved or rescinded by us unless required by applicable law, and you cannot retroactively opt out or unsubscribe with respect to such third parties. Further, also please note that in order to keep you informed about the operation of the Application, we may always send you emails, notifications and announcements that are needed for the proper functioning and administration of the Application, including, without limitation, for the purposes described in Article 2 above, in connection with your use thereof. We may also have features that allow you to submit information, questions or feedback to us. In those instances, we may retain your emails and other information you submit to us for our internal purposes, and to help us and our service providers serve you better.

3.2 Other Uses. Please see Article 5 below in relation to the withdrawal of consent for other uses.


4.1 General Disclosure. We reserve the right to share, use and/or sell certain Personal Information and Additional Information we collect in connection with your purchase, download, access to and/or use of the Application, including, without limitation, for the purposes described in Article 2 above. Any of our affiliated companies, including all of their respective business units may obtain from us and be able to use your Personal Information and Additional Information in accordance with this Privacy Policy. You can choose to opt-out of certain such uses as described in Article 3 above.

4.2 Service Providers. We also have the right to disclose your Personal Information and any other information to third parties and affiliates for the purpose of administering and maintaining the Application, and other features, functions and operations in connection therewith. We will refer to these parties in this context as "Application service providers". We use Application service providers to efficiently provide the full range of content, activities, services, features and functions we bring you and we disclose your Information to Application service providers for the purpose of providing services to us and our affiliates. These Application service providers may temporarily store certain information on their servers, but may only use your Personal Information to provide us with a specific service and not for any other purpose and agree to keep such Personal Information secure and confidential.

4.3 Additional Disclosures. There may be instances when we may access or disclose Information without providing you a choice in the following circumstances: (a) to protect or defend our legal rights or property, or that of our affiliated companies, their employees, agents and contractors (including enforcement of our agreements); (b) to protect the safety and security of the Application an our users; (c) protect against fraud or for risk management purposes; (d) if we believe your actions violate any corresponding terms of use, terms of service, other similar documentation or this Privacy Policy; or (e) to comply with law or legal process. In addition, if we sell all or part of our business or make a sale or transfer of all or a material part of our assets or are otherwise involved in a merger or transfer of all or a material part of our business or any other similar transaction, we may transfer your Personal Information and Additional Information to the party or parties involved in the transaction as part of that transaction who may use that Information for the purposes set forth in this Privacy Policy.


By purchasing, downloading, accessing or otherwise using the Application (a) and providing us with your contact information, you expressly choose to receive certain communications from us and, unless you otherwise indicate, certain third parties as described in this Privacy Policy, and (b) you expressly agree to the privacy practices described herein. You may change your privacy preferences (e.g., choose to cease receiving certain communications or ask us not to share your Personal Information with a particular third party) by sending an email to us at detailing your privacy request. Other privacy preferences (e.g., limiting location services) may be made by modifying your account settings on your device. If you ask us to stop using your Personal Information, we will honor that request while retaining a record of any Personal Information as necessary to comply with applicable federal, state or local law, and/or to conduct legitimate business activities. However, you may be unable to continue to use the Application (in whole or in part), if you require us to stop using your Personal Information. You always have the right to review and correct the Personal Information you have provided to us and generally you may update or delete certain Personal Information by contacting us as described in Article 12.


While no data transmission over the Internet is 100% secure from intrusion, we maintain commercially reasonable physical, electronic and procedural safeguards to protect your Personal Information. We request that our third party contractors and Application service providers follow similar standards of security and confidentiality. However, regardless of our efforts and the device you use to access the Application, it is possible that third parties may unlawfully intercept or access transmissions or private communications over an unsecured transmission.


If you are a resident of the State of California, we provide you with information on how to exercise your disclosure choice options such as your right to opt-out (which we may sometimes refer to as "unsubscribe") with respect to use of your Personal Information by third parties for marketing purposes. Therefore, pursuant to the California Civil Code, we are not required to maintain or disclose a list of the third parties that received your Personal Information for marketing purposes during the preceding year. If you are a California resident and wish to request information about how to exercise your third party disclosure choices, please send a request by email to our Privacy Administrator at

All requests must be labeled "Your California Privacy Rights" on the email subject line. For all requests, please clearly state that the request is related to "Your California Privacy Rights", include your name, street address, city, state, zip code and e-mail address (your street address is optional if you wish to receive a response to your request via email) and indicate your preference on how our response to your request should be sent (email or postal mail). We will not accept requests via the telephone, postal mail or by fax. We are not responsible for notices that are not labeled or sent properly, or do not have complete information.


The Application may be linked to and/or integrated with websites, applications, interfaces, services and platforms operated by other companies. The Application may also feature advertisements from other third parties. We are not responsible for the privacy practices of such websites, applications, interfaces, services and platforms operated by third parties that are linked to and/or integrated with the Application or for the privacy practices of third party advertising companies. Once you (a) leave the Application via such a link, (b) access a third party website, application, interface, service, or platform or (c) click on or navigate to an advertisement, you should check the applicable privacy policy to determine, among other things, how they will handle any personally identifiable or other information that they may collect from you.


From time to time we may modify this Privacy Policy to reflect industry initiatives, third party requirements or changes in the law, our Information collection, use and disclosure practices, the features and fun of the Application, or technology, and such modifications shall be effective upon posting. Your continued use of the Application after we post a revised Privacy Policy signifies your acceptance of the revised Privacy Policy. It is therefore important that you review this Privacy Policy regularly to ensure you are updated as to any changes. If we materially change our practices regarding collection, use or disclosure of your Personal Information, your Personal Information will continue to be governed by the privacy policy under which it was collected unless you have been provided notice of, and have not objected to, the change.


It is your responsibility to give us current, complete, truthful and accurate information, including Personal Information, and to keep such information up to date. We cannot and will not be responsible for any problems or liability that may arise if you do not give us accurate, truthful or complete information or Personal Information or you fail to update such information or Personal Information. We will reject and delete any entry that we believe in good faith to be false, fraudulent or inconsistent with this Privacy Policy.

11. International USAGE

The Application is controlled and operated entirely within the United States. If you purchase, download, interact with or otherwise use the Application from a location outside the United States, please be advised that any Information you provide or that is collected may be processed in and/or transferred to the United States and/or other territories and locations, where privacy protections may not be as comprehensive as those in the territory or location where you purchase, download, interact with or otherwise use the Application. However, we will only process your Information in accordance with this Privacy Policy. By using the Application, you affirmatively consent to this transfer and/or the use of your Information as described herein.


If you have any questions about our privacy practices or any of the terms or conditions of this Privacy Policy, please feel free to email us at


This document is the sole statement of the Privacy Policy for the Application and no summary, restatement or other version thereof, or other privacy statement or policy, in any form, including, without limitation, machine-generated, is valid.

This Privacy Policy was last modified on the date indicated above and is effective immediately.