Privacy Policy

Revision Date: Monday, April 20, 2009

talk2experts respects your privacy. This Privacy Policy applies to our web sites, including www. talk2experts.com, talk2experts (collectively, the “ talk2experts Sites” or “Sites”). This Privacy Policy explains what information we collect through the Sites, how we use that information, and what choices you have.

The talk2experts Sites contain links to other web sites. This Privacy Policy does not apply to the practices of any companies or individuals that talk2experts does not control, or any web sites that you link to from the talk2experts Sites. You should use caution and review the privacy policies of any sites that you visit from ours to learn more about their information practices.

Please take a few moments to read this agreement. By accessing the talk2experts Sites, you agree to accept the terms and conditions of this Privacy Policy and are aware that our policies may evolve in the future as indicated below.

What we collect
In various places on the talk2experts Sites, we collect “Personally Identifiable Information,” such as your name, age, gender, postal address, telephone number, e-mail address, credit card information, or other information that can be used to contact you or identify you as an individual. For example, we collect this information when you register for membership and special services (e.g., the Print Program), sign up for e-mail newsletters and purchase products or services. From time to time in the future we may offer additional features, services, and promotional opportunities that would require you to submit Personally Identifiable Information to participate.

We also collect “Anonymous Information” such as your IP address, the type of browser you use, the pages on our Sites that you have visited, and the advertisements that you have clicked on. Your Personally Identifiable Information is linked to your Anonymous Information.

Like many Internet sites, we also use “cookies” to collect information. A cookie is a small data file that we transfer to your computer and is stored on your hard drive. When you visit our Site(s) the cookie identifies your computer to us so that you do not have to re-register each time you visit. We may also use cookies to measure the traffic to our Sites and the use of different services and features of the Sites. Advertisers that appear on the talk2experts Sites may place cookies on your computer and their use of the information stored on those cookies is subject to their own privacy policies. You should visit their sites to learn about their information practices. Advertisers or other companies do not have access to talk2experts's cookies.

We do not intend that children will use our sites. We do not solicit or knowingly collect information from children under 13 years old, nor will we accept registration from them.

How we use the information we collect
We use information that is not personally identifiable to determine how people use our web site and its services. For example this data tells us information including how often users click on our advertisements, which files are downloaded most frequently, and which areas of our site are the most popular. Analyzing this data allows us to improve the offerings on and performance of our site(s). Using your IP address, we can also determine the general physical location of a user and may at times use this information to better target advertising to users.

How we share information
We aggregate the Anonymous Information that we collect and exchange it with advertisers and others who are interested in our services.

We will disclose Personally Identifiable Information when required by law or under the good-faith belief that such disclosure is necessary in order to conform to applicable law, comply with subpoenas, court orders or legal process served on talk2experts, to establish or exercise our legal rights or defend against legal claims, and to protect the property or interests of talk2experts, its agents and employees, personal safety, or the public. Under such circumstances, talk2experts may be prohibited by law, court order or other legal process from providing notice of the disclosure, and talk2experts reserves the right to not provide such notice in its sole discretion. If we become part of another organization, including without limitation, by merger, change of control, sale of assets, or other acquisition, the acquiring organization will obtain and have access to the Personally Identifiable Information collected by talk2experts and it will assume the rights and obligations regarding your Personally Identifiable Information as described in this Privacy Policy. If we cease operation, your information may be transferred to and used by another company that offers similar or related products or services. While we cannot predict a great deal about such an unlikely event, we would hope this could provide you continuity of service.

What choices you have
When you register for membership at the talk2experts Site, you have the option of checking a box to tell us that you do not want us to send you our email newsletter. You may also opt out of an automatic logging process that associates your Personally Identifiable Information with your recent page views. We will keep track of your decisions in our database.

Even if you choose not to receive information from us, we reserve the right to communicate with you on matters we consider especially important.

Making changes
You may review the Personally Identifiable Information we have on file by logging in and clicking the Settings & Profile tab on your user page. Once there, there you may modify information that is incorrect and delete certain information from your profile. You can also change your permission for us to send you e-mail newsletters.

To delete your Personally Identifiable Information, you must manually change your data fields to null values. Otherwise, your data is retained indefinitely. Please note that the public comments made by a user in a chat room or a forum cannot be deleted. Moreover, since, Anonymous Information is not identifiable as originating with you, it cannot be reviewed or changed by you.

We may change this policy from time to time. While we will usually indicate major changes by notice on our site, please check here from time to time to see if there is a revised policy posted.

Publicly posted information
If you register as a member of the talk2experts Sites and make postings to chat rooms, forums or your user page, please remember that anything you post is publicly available. The user name you have chosen during the registration process is visible to all users of the Site. If you visit another member's user page, your user name will appear on that page. Your user page will also show certain statistics regarding your use of the Site, such as the date you became a member, how long ago you last visited the Site, the categories of materials you have posted. Your user profile, and the information you choose to include in your profile, will also be available to other users of our chat rooms, forums and to visitors that access your personal user page. talk2experts does not control, and is not responsible for, the use of any information or content that you have exposed to the public through your use of the talk2experts Sites.

Security
During sessions in which you give us information such as credit card numbers, we encrypt your transmissions using SSL (“Secure Sockets Layer”) technology. We keep the Personally Identifiable Information you provide on servers that are protected by firewalls and other technological means against intrusion or unauthorized access. They are located in a physically secure facility, and only our employees and agents with a need to know the information are given access. While no amount of security can give a perfect guarantee, you can have a high degree of confidence that the personally identifiable information you give us is protected from unauthorized access and use. We rely on you to select passwords that cannot be guessed easily and to safeguard those passwords from disclosure. Please contact us if you have any information regarding unauthorized use of the talk2experts sites.

Updates
We may update this Privacy Policy from time to time as our services change and expand. If we update this Privacy Policy, we will notify you about significant changes by sending a notice to the email address specified in your account or by posting a notice of such changes on the talk2experts Sites. Unless otherwise provided, the revised terms will take effect on the date they are posted. Once such changes become effective, your continued use of the Site will signify your acceptance of the new Privacy Policy. If you do not agree to the terms of this Privacy Policy, or any revised Privacy Policy, your sole and exclusive remedy is to discontinue using the Site.