This Privacy Policy (“Privacy Policy”) covers Family Financial Centers’s treatment of information that you provide to us or that we collect from you when you are visiting the Website and when you use our products and services. This policy does not apply to the practices of companies that Family Financial Centers does not own or control or to individuals whom Family Financial Centers does not employ or manage, including operators of sites you may link to or from the Website or from which you link to the Website. This Privacy Policy should be read in connection with our Website Terms and Conditions.

1.0 Agreement
Please read this Privacy Policy carefully; it creates legal obligations. By using the Services and/or accessing our Website, you are acknowledging that you have read and understood this Privacy Policy and agree to be legally bound by it. In addition, if you register as a user of any of the features of our Website (a “Subscriber”), during the registration process (and from time to time as Family Financial Centers may require) you will be prompted to click an “I Accept,” “Submit” or similar button, which further confirms your agreement to be legally bound by this Privacy Policy.

2.0 Scope of Policy
This Privacy Policy applies only to information you provide to us online or that we collect from you while visiting or using our Website. It does not apply to information we have obtained offline or through other means.

3.0 What Information We Collect and Use
Family Financial Centers reserves the right to use and control the information collected on the Website. We will not share this information with any third party, other than as disclosed in this Privacy Policy. Family Financial Centers collects information from users at different points on our Website and through our software, as follows:

3.1. Registration: In order to subscribe to Family Financial Centers products and services, we require that you complete a registration form. This form may ask for contact information, such as name, address, email address, telephone number, company name, fax number and other basic contact information (“Registration Information”). After submitting your Registration Information, you can view and modify this information within the self-maintenance area of the Website. You agree to notify Family Financial Centers of any change to your billing address within thirty (30) days of such change. Family Financial Centers will record the date and time that your Registration Information is created or modified by you.

3.2. Order: When you subscribe to an Family Financial Centers product or service, we request the appropriate billing information on our order form. This information includes your credit card number, expiration date and billing address (“Order Information”). Order Information is kept with your Registration Information in a database and will be retained for future purchases.

3.3. Family Financial Centers Software: While accessing and operating an Family Financial Centers product, the Family Financial Centers software will record general statistical and tracking information, such as the date and time a client accesses his or her product and the time spent using it. The Family Financial Centers software transfers this information to Family Financial Centers’s servers, and such information is used exclusively for internal resource management purposes.

3.4. Other: Family Financial Centers may automatically receive and record information in our server logs from your browser, including your IP address (the Internet address of your PC), your computer’s name, the type and version of your web browser, referrer addresses and other generally-accepted log information. We may also record page views (hit counts) and other general statistical and tracking information, which will be aggregated with that of other users in order to understand how our Website is being used.

3.5. Cookies: What is a cookie? A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computers and stored on your computer’s hard drive. Cookies can be used to provide you with a tailored user experience and to make it easier for you to use the Website upon a future visit. Family Financial Centers will also use cookies to recognize you when you return to our Website. Most web browsers are set to accept cookies by default, though you can manually disable the cookies feature of your browser. You should review the online documentation of your browser or consult with the provider of your browser for instructions on how to disable cookies. Please note that if you disable cookies on your computer, some parts of this Website may not function properly.

3.6. Referrers: A “referrer” is the information passed along by a web browser that references the web URL you linked from and is automatically collected by our web server. This information is collected and used by Family Financial Centers to understand the websites referring traffic to our Website and to present appropriate content to our potential customers. Family Financial Centers tabulates referrer information on an aggregate basis to identify trends and traffic patterns.

3.7. Partners: Family Financial Centers may enter into agreements with other companies that market software or services that either function similarly to Family Financial Centers software or that enhance or extend Family Financial Centers’s functionality. Some of these may be third party products that may utilize components of Family Financial Centers software. Under the terms of these agreements, we may be required to collect information about your sessions and your use of these third party products and share this information with these third parties.

3.8. Providers: A provider is an entity that agrees to pay for the Family Financial Centers services being provided to you. We have entered into contractual agreements with these providers governing the provider arrangement. Under the terms of these agreements, we may be required to collect information about your sessions and your use of your Family Financial Centers product and share this information, along with your personally identifiable information, with the provider paying for your Family Financial Centers service. This information is kept strictly confidential, and is not shared with other third parties, except as provided for in this Privacy Policy.

3.9. Computer Configuration: In order to determine whether your computer is supported by our system, we may collect certain anonymous information. This information includes, but may not be limited to, your operating system and browser, as well as the presence of the Family Financial Centers software or other third party software on your computer. This information is kept strictly confidential and is not shared with third parties, except as provided in this Privacy Policy. Top

4.0 What We Do with Information We Collect and Use
In general, except as provided in this policy, we will not disclose your personally identifiable information to unaffiliated third parties without your express consent. There are, however, some limited circumstances in which we may need to disclose personally identifiable information about a user without express consent, including, but not limited to, the circumstances set forth below:

4.1. Family Financial Centers Website Vendors: We may employ other companies to perform functions on our behalf, such as fulfilling orders, providing customer service, sending print and electronic mail, processing credit card payments, or other functions necessary to our business. In order to allow these companies to perform their obligations, we may need to share your personally identifiable information with them. However, we will provide these companies with only that information necessary to perform their functions on our behalf, and we will not allow them to use your personally identifiable information for any other purpose.

4.2. Resellers: Family Financial Centers may from time to time enter into agreements with companies that resell Family Financial Centers’s products or services, either on Family Financial Centers’s behalf, or on their own behalf on a private labeled basis and/or on a co-branded basis. Under the terms of these agreements, we may be required, and therefore we reserve the right, to share your personally identifiable information with such resellers. Once your personally identifiable information is provided to such resellers, it will no longer be covered by this privacy policy. In those instances, your personally identifiable information will be governed by the privacy policy of the resellers to whom it is provided. Notwithstanding the foregoing, Family Financial Centers will not share your Order Information with any reseller that is not billing you directly for the re-marketed, private labeled and/or co-branded Family Financial Centers services to which you subscribe.

4.3. Family Financial Centers Publishers and Merchants: Family Financial Centers reserves the right to provide to publishers and other merchants for whom Family Financial Centers sells or distributes products or services any personally identifiable information as is necessary to fulfill any requests you may make for their products or services. In addition, merchants of the products you purchase or to which you subscribe through Family Financial Centers may request additional personally identifiable information from you. Family Financial Centers will provide the merchants of such products the information you supply in response to those requests and, following such disclosure by Family Financial Centers, your personally identifiable information will no longer be covered by this policy. In those instances, your personally identifiable information is governed by the privacy policy of the merchants whose products you have purchased or to which you have subscribed.

4.4. Imminent Harm: We may reveal your personally identifiable information to attorneys, private investigator organizations or law enforcement agencies if we believe that you are harming or interfering (or will imminently harm or interfere) with other Family Financial Centers users or anyone else or violating (either intentionally or unintentionally) our Website Terms and Conditions of Use or infringing any of Family Financial Centers’s legal rights.

4.5. Legal: Family Financial Centers will reveal your personally identifiable information, to the extent we reasonably believe we are required to do so by law. If we receive legal process calling for the disclosure of any of your personally identifiable information we will attempt to notify you via the email address you supplied during registration within a reasonable amount of time before we respond to the request, unless such notification is not permitted.

4.6. Transfer of Website: Family Financial Centers shall be entitled to transfer to a third party information it collects, including any personally identifiable information, in connection with a sale of all or substantially all of its assets.

5.0 Changing or Removing Personal Information; Opting Out

To ensure that you have appropriate control over your personally identifiable information, you can access your account (after supplying your user name and password) in the Self-Maintenance area of our Website to update and/or correct the information you have previously submitted. In addition, we provide you with the ability to decline -- or “opt-out of” -- certain mailings and other materials we may offer. For these materials, you will be able to specify whether you wish to opt-out by following directions provided in the Self-Maintenance area, as further detailed in Section 6.0 (Communications to out Users) of our Privacy Policy, below. Finally, if you request, we will remove your name and other personally identifiable information from our databases. Please understand, however, that it may be impossible to remove this information completely, due to backups and records of deletions. If you wish to remove your name and other personally identifiable information from our database, please create an email with the term “Unsubscribe” in the subject line, and send the email to the address listed in Section 12.0 of this Privacy Policy. As an alternative, you may write to us with your request, at the mailing address set forth in Section 12.0. You will be removed from our databases generally within ten business days of our receipt of your request.

6.0 Communications to our Users
6.1. Family Financial Centers: Family Financial Centers sends emails and/or postal mailings to new subscribers and to provide to existing subscribers information regarding their specific Family Financial Centers products. Periodically, Family Financial Centers will send news and information to subscribers and other parties who have expressed interest in Family Financial Centers and its products. These communications are an information service to users who have indicated a preference to receive promotions relating to Family Financial Centers’s products, Website and services, and to receive special offers relating to third-party products, sites and services. You can opt out of receiving these promotional communications through the Self-Maintenance area of our Website. For so long as you use Family Financial Centers products and services or otherwise maintain a business relationship with Family Financial Centers, however, you may not opt out of receiving communications from Family Financial Centers relating specifically to those products and services or business relationship. 6.2. Third Parties: Except as described in this Privacy Policy, we do not share personally identifiable information with anyone, unless we have informed you of a change to our Privacy Policy and given you the opportunity to then choose to opt out. Once you have indicated that your information may be shared with third parties or you have responded to an offer by any third party on the Website, Family Financial Centers can no longer update any of your personally identifiable information that has been transferred to such third parties or opt you out of such third parties so that you no longer receive their promotional and/or marketing information. Instead, you must either contact that third party or refer to its privacy policy to update your personally identifiable information or to let the third party know that you no longer want to receive promotional and/or marketing information about its products, services or offerings. 7.0 Security of Personally Identifiable Information Family Financial Centers maintains controls to protect the financial information you provide us, including credit card details, during the product purchase process. These controls include: (1) the use of SSL encryption to safeguard information when transmitted from your web browser to Family Financial Centers; (2) the logical authentication security within the databases that store customers’ credit card numbers; and (3) use of encryption of credit card numbers. Family Financial Centers employees are required to acknowledge that they understand and will strictly abide by our corporate policies with respect to the confidentiality of personally identifiable information. Moreover, Family Financial Centers only gives access to databases containing personally identifiable information to employees on a need-to-know basis. Internal policies require that passwords be changed regularly, pursuant to security protocols. Our security procedures are reviewed on a periodic basis to ensure that they remain current. Accordingly, we have put in place security systems designed to prevent unauthorized disclosure of information you provide to us. These systems are structured to deter and prevent hackers and others from accessing this information. Due to the nature of Internet communications and evolving technologies, however, we cannot provide, and disclaim, assurance that the information you provide us will remain free from loss, misuse, or alteration by third parties who, despite our efforts, obtain unauthorized access.

8.0 Children
Persons under the age of eighteen (18) are not permitted to register for the Family Financial Centers service and Family Financial Centers does not knowingly collect, either online or offline, personally identifiable information from persons under the age of eighteen (18). If we learn that a child under (18) has provided us with personally identifiable information, we will delete this information from our databases, subject to any technical limitations on our ability to do so.

9.0 Notification of Changes
Family Financial Centers reserves the right to change or modify this Privacy Policy from time to time, or to terminate this Privacy Policy. We will post notice of the new policy from the Privacy Policy link on the homepage of our Website. Your use of our Website following any such change constitutes your agreement to follow and be bound by the Privacy Policy, as changed. If we make any significant changes regarding disclosure of personally identifiable information to third parties, we will attempt to notify you prior to the date the modified policy takes effect.

10.0 Relationship to Website Terms of Conditions
This Privacy Policy must be read in conjunction with our Website Terms and Conditions, and the provisions of our Website Terms and Conditions are incorporated herein.

11.0 Your Consent
By using our Website, you consent to our collection and use of your information, in accordance with this Privacy Policy. If you do not agree with some, or all of the terms of this Privacy Policy, you may not become a Subscriber, or otherwise visit our Website.

12.0 Contact Us
You may contact us for any reason by email or traditional mail at the following addresses, provided, however, if you wish to provide us with formal notice under our Website Terms and Conditions or our Privacy Policy, you must provide your notice in writing, and mail it to the address set forth below:

By Phone: 1.877.236.5508
By email: bruce@familyfinancialcenters.com