How RefinanceKansasCity.com handles your privacy:

RefinanceKansasCity.com is committed to protecting the privacy of users of the RefinanceKansasCity.com sites. We intend to give you as much control as possible over your personal information, including registration data. As part of the normal operation of the RefinanceKansasCity.com sites, we collect information from you. This Privacy Statement has been established so that you can understand the care with which we intend to treat the information we collect about you. This policy does not apply to the practices of companies that RefinanceKansasCity.com does not own or control, or to people that RefinanceKansasCity.com does not employ.

Information Gathered through the RefinanceKansasCity.com sites

RefinanceKansasCity.com will track the domains from which people visit the RefinanceKansasCity.com sites in order to gain aggregate data that may be analyzed for trends and statistics. Subject to the provisions of this Privacy Statement, RefinanceKansasCity.com may use accumulated aggregate data for several purposes including, but not limited to, marketing analysis, evaluation of RefinanceKansasCity.com services, and business planning.

Currently, RefinanceKansasCity.com collects personal information as a basis for notifications to users. We collect information that you may choose to provide to us when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include, but are not limited to, name, address, and email address. If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth in our Terms of Use agreement.

RefinanceKansasCity.com may conduct surveys or other studies of its user base and usage for marketing and planning purposes. Participation in such surveys is at the user's option, but RefinanceKansasCity.com does reserve the right to conduct mandatory surveys in the future. With respect to information collected from such surveys or studies, and in the event that responses are to be publicly disclosed, users will be notified at the time they take the survey and RefinanceKansasCity.com will disclose only aggregate information regarding its users and not personal information identifying any specific individual. Notwithstanding the foregoing, in cases where surveys allow users to submit written comments, and where RefinanceKansasCity.com advises users of the possibility of such disclosure at the time they take the survey, RefinanceKansasCity.com reserves the right to disclose text information provided by any user through such a survey, provided that no personal information identifying that user is disclosed. Circumstances under which RefinanceKansasCity.com would publicly disclose aggregate information include, but are not limited to, sharing survey results with the site population, providing data to RefinanceKansasCity.com advertisers on user preferences and/or demographics, business planning, and publicizing overall usage data in press communications.

Cookies: RefinanceKansasCity.com employs "cookies" to provide users with tailored information. A "cookie" is an element of data that a website, when visited by a user, sends to that user's browser which, in turn, may store that element on the user's hard drive or memory. RefinanceKansasCity.com uses cookies to better serve users of our RefinanceKansasCity.com sites; any cookies sent will be marked so that they will be accessible only by the RefinanceKansasCity.com sites subject to this Privacy Statement. However, at his or her option and at his or her sole expense and responsibility, any user may block or delete our cookies from his or her hard drive. However, by disabling cookies, certain site features and functionality may no longer work properly, or at all.

Other Notification: RefinanceKansasCity.com may use user-provided e-mail addresses to contact users on an individual basis. At no time, unless such disclosure is required by law, a governmental agency, or specifically authorized by the user, will RefinanceKansasCity.com disclose individual user personal information to unrelated third parties that is not publicly available.

Links with other sites

The RefinanceKansasCity.com sites contain links to other websites, whether owned or controlled by RefinanceKansasCity.com affiliates, or unrelated third parties. Please note that the privacy policies of these sites may differ from those of the RefinanceKansasCity.com sites. RefinanceKansasCity.com is not responsible for the privacy policies and practices of any linked website. We encourage you to read the privacy statement of any website you may visit.

Choice

"Opt-in" Emails: Users may "opt-in" to receive site notifications, newsletters, or other information via email. Users may remove themselves from such services at their discretion. Any email sent to an "opt-in" list will include directions for how a user may remove himself or herself from the list, or a URL where the user may find such directions.

By submitting your personal information through RefinanceKansasCity.com’s sites, you are consenting to have your information distributed to third party’s and to be contacted by other parties receiving your information either by telephone or email, even if you have previously listed yourself on any internal company, state or federal Do-Not-Call List. If you elect to provide RefinanceKansasCity.com with personally identifiable information, we may utilize such information for marketing purposes, and this use may result in follow-up communications from RefinanceKansasCity.com and from our clients. In addition, that information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other RefinanceKansasCity.com sales and marketing efforts.

In addition to any other use described in this Privacy Policy, we will make uses of data submitted by you that are described in our Terms of Use agreement.

Security

To secure site integrity, RefinanceKansasCity.com employs measures, including but not limited to security audits, use of encryption tools and software, and other reasonable security measures and procedures.

Internal access to users' private and nonpublic personal information is restricted to site administrators and individuals on a need-to-know basis.

Enforcement

In the event that RefinanceKansasCity.com becomes aware that site security is compromised or nonpublic user information has been disclosed to unrelated third parties as a result of external activity, including but not limited to external security attacks, RefinanceKansasCity.com shall take reasonable measures which it deems appropriate, including but not limited to internal investigation and reporting, and notification to and cooperation with law enforcement authorities, notwithstanding other provisions of this Privacy Statement.

If RefinanceKansasCity.com becomes aware that a user's personal information provided to RefinanceKansasCity.com has been disclosed in a manner not in accordance with this Privacy Statement, RefinanceKansasCity.com shall make reasonable efforts to notify the affected user, as soon as reasonably possible and as permitted by law, of what information has been disclosed, to the extent that RefinanceKansasCity.com knows this information.

Updates to the Privacy Statement

Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy. To update the Privacy Statement, we will post both the changed version and its effective date.

No Guarantees For Factors Beyond RefinanceKansasCity.com's Control

While this Privacy Statement expresses RefinanceKansasCity.com standards for maintenance of private data, it is not in a position to guarantee that the standards will always be met. There may be factors beyond RefinanceKansasCity.com's control (e.g., "script kiddies", "crackers and other malcontents") that may result in disclosure of data. As a consequence, RefinanceKansasCity.com disclaims any warranties or representations relating to maintenance or nondisclosure of private information.


Version: x54 Last Updated: 6.1.2008