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Your privacy is of the utmost importance to Consumer Finance Hub. Because we ask for some basic personal information during registration,
we want you to be fully informed of how this information is gathered and used.
- REGISTRATION
- INFORMATION Consumer Finance Hub REQUESTS
- CHILDREN'S ONLINE PRIVACY PROTECTION ACT
- PARTICIPATION
- COOKIES
- PROFESSIONAL SERVICES
- SECURITY
- PERSONAL INFORMATION/OPT-OUT
- TERMINATION
- SUMMARY
Registration
Some basic personal information is required in order to register with Consumer Finance Hub:
Email Address - The email address along with the password you provide will allow access to
your Consumer Finance Hub account. Your email address WILL NOT appear anywhere on our web site
unless you specifically agree to it (when you post a message in our forum, you have the option of
associating your email address with that specific post, default is NO). Consumer Finance Hub will
not disclose your email address to any person, or to any third party without your permission.
User Name - This is how you are identified when you participate in our forum.
Information Consumer Finance Hub Requests
When you register, you are asked to give demographic information (like zip code, general concerns). You are
not required to provide this information. We ask you to tell us a little about yourself so we can better tailor
content for your repeat visits and alert you when updates that meet the criteria you expressed interest in
occur. That information can also be used to provide you with content that may be of interest to you, and to
show you topics and article that are relevant to your interests. Similar to television, radio, and magazines,
Consumer Finance Hub relies on revenue from advertising to subsidize the cost of providing you with free
services. To help enhance the relevance and effectiveness of ads, Consumer Finance Hub provides advertisers
demographic information on an aggregate basis (not linked to your personal name or email address). For example,
Consumer Finance Hub may report to advertisers that "55% of users are located in the Eastern region of the
US and have concerns about helpful financial options".
Children's Online Privacy Protection Act
Any data except email address, password and username that Consumer Finance Hub collects on children under 13
years of age will be discarded in accordance with the Children's Online Privacy Protection Act. Email addresses
of children under 13 submitted during registration are kept by Consumer Finance Hub for identification purposes
only, and under no circumstances are displayed or made publicly available.
Participation
The above describes information that is provided "actively" - meaning, you choose to submit this information
to us when you join Consumer Finance Hub, or update your personal profile at any point after having joined.
Some other information is provided "passively" - meaning, that Consumer Finance Hub obtains this information
when you login into your Consumer Finance Hub account and use the site. This is done primarily through the use
of "cookies." Cookies are used on Consumer Finance Hub to verify your login information. Any time that you
point your browser to a 'members-only' area, Consumer Finance Hub checks your browser's cookie file to see if
you have already logged in, and if you have, you're taken right to the page that you have requested. If not,
you'll be directed to the Member login screen, where you can quickly and easily login to your account, or
signup for a new account if you are not yet a member.
Cookies
A cookie is a small text file that many Web sites write to your browser
when you visit them. A cookie can only be read by the site that places it, so
Consumer Finance Hub can't "see where you've been" based on any other cookies in your
browser. Netscape Navigator uses a single file called "cookies.txt" to record
all cookies, and you can open this file in any text editor to see what it looks
like. On a Macintosh computer, the Netscape cookie file is called "MagicCookie".
Internet Explorer uses a separate file for each cookie, which typically resides
in "C:\Windows\Profiles\User\Cookies." Much controversy and myth has been spread
about cookies, specifically that cookies "read or write information on your
computer's hard drive, and are therefore evil", or "cookies can find out where I
live and what my email address is". To learn the truth about cookies, and to
help dispel this misinformation, please visit: Netscape: Client Side State -
HTTP Cookies.
Cookies are generally supported in version 3.0 and newer of Internet
Explorer, 2.02 and newer of Netscape, and 3.0 and newer of AOL. Most browsers
also allow the option of displaying a warning before accepting a cookie, or
refusing all cookies. In order to use our member service, cookies MUST be enabled.
Professional Services
Consumer Finance Hub hosts forms with imbedded logic to route your request for a free consultation with a
professional meeting the criteria determined by the form. The information required by the form is as basic and
non-personal as possible. The data requested represents the bare minimum to determine the service and service
provider best suited for your needs as determined by the form. The data is sent by secure socket layer and
encryption to insure the information is not made available to any other party. Consumer Finance Hub has a
strict policy that NONE of its professional service providers sell, transmit, share or otherwise
disseminate your information without your express consent.
Security
Consumer Finance Hub's site has security measures in place to protect the loss, misuse
and alteration of the information under its control. Consumer Finance Hub's servers have
strict security in place to prevent an intruder from retrieving personal
information about its users.
Personal Information/Opt-out
Consumer Finance Hub gives users the ability to change their personal information by logging into the
members services section of the website. Consumer Finance Hub provides users the opportunity to opt out of
receiving newsletters from Consumer Finance Hub by replying with the word UNSUBSCRIBE in the subject line.
Any user having difficulty unsubscribing should contact
support@consumerfinancehub.com.
Termination
You can elect to terminate your membership with Consumer Finance Hub at any time, by sending an email to
support@consumerfinancehub.com. Be sure to include your
Email Address and username in the email so that we can easily identify your account. Upon termination, your
account information will be entirely removed from Consumer Finance Hub.
Summary
In this electronic era, when personal information can easily be obtained through various sources,
Consumer Finance Hub appreciates the sensitivity of any private information that you disclose to us. It is
our intention to treat your account information with the highest level of care. If you have further questions
about our practices and policies with regard to how your account information is treated, please contact
support@consumerfinancehub.com at any time.
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