Privacy Policy

This notice outlines the privacy policies of the Site. By visiting this website, and/or submitting any information on any of the forms linked to this Privacy Policy you are accepting the practices described herein.
You must be at least 18 years old to use our Sites. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that such minor has disclosed Personal Information to us, please contact us at privacy-policy@experthub.com so that we may delete the minor's information from our database.

1.0 How we collect information

1.1 User IP Address

Each time a user visits the Site, our web server automatically recognizes the user’s IP address and the Web page from which the User came. The User’s IP address is used to help identify the User and to gather broad demographic information about the User. We also use IP addresses collected to help diagnose problems with our servers, to administer the Sites, and to better serve users in using the services and features of the Sites.

1.2 Cookies and Action Tags

The first time a user provides an e-mail address in connection with their activities at a Site, we assign an identification number to that e-mail address and deploy a cookie to the user's PC. Whenever that user comes back to a Site using the same PC, the cookie allows the Site to identify the user and to recall the user's e-mail address. If, at any time, a user provides other information in connection with their activities on a Site (such as name, address, birth date, gender, etc.), we may store that information, along with the users e-mail address, in our user database. We may use the information stored in our database (i) for the purpose for which the information was originally provided by a user; (ii) to pre-populate information fields in the event a user wishes to sign up for and/or subscribe to services, promotions or offers in the future; (iii) to ensure that a user will not be repeatedly exposed to the same ads, offers and promotions while visiting Sites; and (iv) to, in connection with regular communication with a user, include offers, promotions or advertisements historically, or likely to be, of interest to that user.
Action Tags, Web Beacons and other Data Collection Methods: An action tag or a web-beacon (also known as a clear gif or a pixel tag) is a method used to track responses or actions by visitors who view certain advertisements or other information on a site. Action tags are 1x1 pixel images embedded in a website page that are used to transparently collect information. We may use action tags to count the number of times that visitors click on a particular banner ad or visit the pages of our Sites and to provide information about what products are viewed or purchased.

1.3 Personal Information

By registering with, or providing personal information to a Site, as well as providing permission to receive marketing offers, Users allow us, our affiliates, partners and certain approved third parties to make their personally identifiable information available to third parties in accordance with the terms of this privacy policy and the privacy policy of the respective affiliated sites. While on a Site we may collect “Personal Information” from a user. For the purposes of this Privacy Policy, Personal Information shall mean individually identifiable information from or about an individual including, but not limited to: (a) a first and last name; (b) a home or other physical address, including street name and name of city or town; (c) an e-mail address or other online contact information, such as an instant messaging user identifier or a screen name that reveals and individual’s e-mail address; (d) a telephone number; (e) a Social Security number; (f) a persistent identifier, such as a customer number held in a cookie or processor serial number, that is combined with other available data that identifies and individual; (g) age; (h) income level; (i) hobbies, buying patterns or preferences; or (j) any other information from or about an individual that is combined with any of (a) through (j) above.

2.0 How We Use Personal Information

Information collected may be transmitted to our approved advertising and marketing partners, our affiliated companies, or certain other approved third parties interested in providing users with information or services that you may request or for other marketing and promotional purposes. Requested information or information regarding site updates, new products and services, upcoming events and/or status of any requests or orders may be provided to users by e-mail, postal mail, telephone SMS text-messaging or by any other means of contact that users may provide. We may also use Personal Information for customer service, to provide information that a user may request, to customize a user’s experience on a Site, and to contact a user when necessary in connection with transactions entered into by that user on a Site. We may also use personal information for internal business purposes, such as analyzing and managing our business. We may also combine the information we have gathered about users with information from other sources. We may use third parties to help us operate our business and the Sites or administer activities on our behalf.
By entering your SSN into the website, users consent to allow us to share their SSN with certain approved outside service providers for evaluation of user’s applications and provision of loan services.
By providing a telephone number users agree and specifically thereby request that we, our partners, associates and/or certain approved third parties may contact you via such telephone number whether or not such number may be included in any State, Federal or other Do Not Call Registry.
We and/or our marketing partners and affiliated companies enhance and/or merge Personal Information about users with data collected from other sources to use in direct and/or online marketing.
We reserve the right, in connection with a transfer of any of our assets to any affiliated company, to provide Personal Information and data to the affiliate subject to the terms of this policy. Similarly, we reserve the right, in connection with a sale of any of our assets or businesses to a third party, to sell our database containing Personal Information, or any relevant portion thereof. We may release Personal Information as we determine may be required by law, to enforce any terms of service, or to protect the rights, property or safety of our Sites, its registered users, or others. Please note that our privacy policy does not apply to websites or web pages that link to our Sites.
You may, at any time, notify us that you do not wish to have your Personal Information disclosed to third parties for offers and promotions by sending an e-mail to privacy-policy@experthub.com.

3.0 How We Use Demographic Information

We use demographic information to tailor Sites to the interests of our users. Demographic information is shared with advertisers so that they can tailor their advertisements to the appropriate audience. Demographic information may also be shared with other third parties.

4.0 Other Sites

Other sites accessible through our Sites have their own privacy policies and data collection, use and disclosure practices. Please consult each site's privacy policy. We are not responsible for the policies or practices of third parties. Please be aware that our Sites may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of those websites linked to our Sites are not covered by this Privacy Policy. These other sites may send their own cookies to users, collect data, or solicit Personal Information. Additionally, other companies that place advertising on our Sites may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have any questions about their use of the information that they collect.
On behalf of various sponsors, we may provide sponsored links to third-party websites. If you click on a sponsored link or banner ad, a "window" or "frame" containing a third-party's web site may appear in the foreground with a Site in the background. Unless you are on one of our Sites, any time that you have moved to a window, you should assume that your Personal Information is being collected, used and disclosed in accordance with the windowed site's privacy policy (if any). If you are unsure as to whose privacy policy applies, please contact us by e-mail at privacy-policy@experthub.com.

5.0 Our Security Precautions

The Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We encrypt all of your personal and financial information and use our best efforts to prevent it from being read or intercepted as the information travels over the Internet. While we are committed to protecting your information, we cannot ensure or warrant the security of any information you transmit to us.

6.0 Removal of Your Information/Opting Out

At your request, we will remove Personal Information that users have provided to us from our database. Users may make such request by e-mailing privacy-policy@experthub.com. However, deleting Personal Information or otherwise opting-out of receipt of communications from us or third parties will only change or delete the data in our database for purposes of transacting future business on a Site and for managing future communications from us and third parties. These deletions will not change or delete Personal Information already collected as part of a particular transaction in our database, which may have already been shared with third parties, all as provided above in this Privacy Policy. Users may need to contact third parties who may contact you directly in order to change the preferences for the use of personal information that they may have or use.

We provide users the option to opt-out from receiving information sent via electronic mailings on behalf of third party advertisers. Users may unsubscribe from receiving e-mails at any time by following the instructions contained at the end of every e-mailing. Unsubscribe requests can only be processed if you have registered with us in the first instance. If you have not registered with us and wish to opt out of receiving e-mails from a particular sender, please consult that sender’s opt out policies or contact that sender directly.
Information sent on behalf of third party advertisers is prepared several days in advance, so users may continue to receive e-mail from us for up to 5 days after following the unsubscribe procedures detailed above. If after that point a user is still receiving email from us, the user should contact us at privacy-policy@experthub.com.

7.0 Limitation of Damages

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM YOUR USE OF A SITE OR FOR THE UNAUTHORIZED MODIFICATION OF TEXT OR ADVERTISEMENTS PROVIDED BY US TO OUR MARKETING PARTNERS OR THIRD PARTIES.
DISCLAIMER - THE SERVICE IS PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS EXPLAINED IN SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIALS IN THIS SITE OR AS MAY BE PROVIDED IN RESPONSE TO YOUR INQUIRY IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. USER ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY - UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE THE MATERIALS IN THIS SITE OR ANY INFORMATION PROVIDED TO YOU IN RESPONSE TO YOUR INQUIRY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

8.0 Changes to the Privacy Policy

We reserve the right to change the terms of this Privacy Policy. Since any changes will be posted on this page, we encourage you to check this page regularly. Any changes to this policy shall be effective immediately upon posting them here. This privacy policy was last amended on March 29, 2007.

9.0 Contacting us about privacy questions or concerns

If you have any questions about this Privacy Policy, the practices of a Site, or your dealings with this Site, please email us at privacy-policy@experthub.com.