Marketing Website Data Collection Practices v. 2.0 March 8, 2012
All domain names are registered by Financial Risk Mitigation,
Inc. ("FRM") or related entities. A visitor to the
www.financialriskmitigation.com or
www.frm-inc.com ("Marketing
Websites") is not required to reveal any individually
identifiable information to access Marketing Websites. FRM
has other domains subject to different privacy policies.
FRM through Marketing Websites may collect indirectly through
standard logs information such as IP address, what browser is being
used (e.g., Safari), and the domain name from which a visitor entered
the site (e.g., www.yourcompany.com or
www.youruniversity.edu).
FRM normally uses this information in the aggregate to administer and
improve our site. Some data may be traceable to an individual, but FRM
does not normally seek to identify individuals unless FRM believes
that someone is using our site improperly or illegally.
Through our Marketing Websites, FRM provide opportunities for users to
receive sales or promotional information about FRM products and
services of interest to them. A user who agrees may be asked to
provide contact information (e.g., name, mailing address, email
address, telephone and fax number).
FRM requires this information to understand your need and provide you
with a better services, and in particular for the following reasons:
(i) internal record keeping; (ii) improvment of products and
servivces; (iii) promotional emails about new products and services
that we think you may find interesting; and (iv) market research.
Cookies
A cookie is a small file which asks permission to be placed on your
computer's hard drive. Once you agree, the file is added and the cooke
helps analyse web traffic or let you know when you visit a particular
site. Cookies allow web applications to response on a more
individualized basis. FRM may use traffic log cookies to identify
which pages are being used on Marketing Websites.
This helps us analyse data about webpage traffic and improve our
website in order to tailor it to customer needs. We only use this
information for statistical analysis purposes and then the data is
removed from the system.
Overall, cookies help us provide you with a better website by enabling
us to monitor which pages you find useful and which you do not. A
cookie in no way gives us access to your computer or any information
about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers
automatically accept cookies, but you can usually modify your browser
setting to decline cookies if you prefer. This may prevent you from
taking full advantage of the website.
FRM may use a third-party from time to time to monitor how our users
make use of Marketing Websites and to determine which of our online
features they prefer. FRM may report information to such third parties
about our customers and the products and services they order.
Use, Disclosure, and Choice
Personally-identifiable information is used and disclosed as described
below.
FRM may collect individually identifiable information from registered
users to complete business transactions, fill and confirm orders for
products and services, administer individual accounts, updating FRM's
databases, provide customer support and meet government regulatory
requirements. Users may be contacted as necessary for these purposes.
FRM asks each registered user to choose whether to receive promotional
email updates about products and services offered by FRM that
otherwise may be generated on an automated basis, and FRM will honor
any such choices made.
FRM may rely on various service providers and other contractors to
support its Internet sites and FRM's business operations. FRM shares
information with contractors who directly support the Internet
services and who only use the information on our behalf in accordance
with this policy.
FRM may also share information with credit card processors, auditors,
lawyers or other contractors, but FRM requires that recipients use the
information only on our behalf for the purpose of the disclosure and
that they destroy or return the information when it is no longer
needed. When necessary or appropriate, FRM
may disclose information in response to a court order or
or when otherwise legally required. FRM may also disclose
information as appropriate to protect FRM's legal rights, to protect
its Marketing Websites or Other Websites, and/or in connection with a
sale or merger involving FRM's assets or businesses for which
infromation is maintained.
Confidentiality and Security Safeguards
FRM takes technical, administrative and physical steps to protect
against anticipated hazards such as unauthorized access to and
disclosure of individually identifiable information. FRM employees who
handle confidential or proprietary information must treat it
confidentially and may not disclose it to unauthorized third parties.
FRM employees are also responsible for the internal security of the
information. Employees who violate FRM's privacy policies are subject
to a range of disciplinary actions.
Data Quality
Data quality is critical to any successful information company.
Working to ensure that data is up-to-date and accurate benefits the
data subject and FRM. To help ensure quality data, FRM employs
extensive measures, including direct contacts with businesses and
quality review at both the point of collection and at the end of the
data collection process.
Updates to FRM's Data Protection Practices for the Internet
To keep up with the rapidly evolving Internet environment, FRM will
from time to time review and revise these practices and communicate
any updates. Minor changes may be made at anytime without notice. FRM
will update the version number and date of the notice when such
changes are made.
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