Privacy Policy

At AffordableHope.com we respect your privacy. The privacy of your personal information is a top priority to us and we are committed to protecting your privacy online. This Privacy Policy outlines the steps we have taken to ensure the privacy of any personal information you may submit to us.

This Privacy Policy applies to this website, AffordableHope.com. In addition, we may own other domain names that point to this web site, and we will from time to time add new sites. Please note that this Privacy Policy applies only to sites maintained by AffordableHope.com, and not to web sites maintained by other companies or organizations to which we link. In addition, this Privacy Policy applies only to information collected by us online, not offline. This Privacy Policy also applies to any successors in interest to AffordableHope.com or to the business of AffordableHope.com

Information We Collect

Our goal is to provide you with an enjoyable experience when using our services, and to ensure you that your private information is secure. You can browse the AffordableHope.com web site at anytime without revealing any personal information about yourself. There are, however, areas on our web sites where we may collect personal information from you on a voluntary basis and for the following important purposes: (1) to process and fulfill your requests for products and services; (2) to solicit your opinions and other feedback; (3) to conduct research; (4) to customize the advertising and content you see; and, (5) to provide anonymous reporting for internal and external purposes. Personal information is information about you that is personally identifiable, such as your name, address, email address, or phone number that is not otherwise publicly available. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information.

For example, we may collect personal information at the following times:

- When you register to receive communications from AffordableHope.com
- When you seek information or apply for products and services offered through the AffordableHope.com web site.
- When you enter promotions or sweepstakes offered by AffordableHope.com
- When you provide such information to us through surveys, feedback, or other forms hosted on our website pages or the pages of certain AffordableHope.com partners.

In addition, we might receive information about you from other sources (such as service providers) for tracking purposes. We may add the information we receive about you to your existing account. Like other web sites, we also automatically receive and record certain types of information every time you visit us. We use "cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our web site. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.


How We Use The Information

If you apply for a product or service offered through AffordableHope.com, we may use the information you provide to process and fulfill your order, respond to your inquiries, and to offer you other products, programs and services that we believe may be of interest to you. We also may share your information with certain business partners in order to process and fulfill your request. Our business partners may contact you by telephone or e-mail in order to process and fulfill your request. If one of our business partners contacts you and you wish not to be contacted again by that business partner with respect to your inquiry or application, then you should specifically make a request to that business partner to not contact you again. If the business partner disregards your request and contacts you again, please let us know immediately by sending an email to us at info@AffordableHope.com. Our business partners may also contact you to process your request by email or mail based on the information you have provided to us. Such partners may keep such information whether you elect to use their services or not. If you do not want to receive such communications from them, please notify the business partner directly. Business partners of AffordableHope.com who have access to your personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for AffordableHope.com.

It also is possible that your personally identifiable information may be disclosed to companies whose practices are not covered by this Privacy Policy (for example, other marketers, magazine publishers, retailers, participatory databases and others) that want to market products or services to you. If one of these companies contacts you and you wish not to be contacted again by that company, then you should specifically make a request to that company to not contact you again.

From time to time, we may be required to respond to subpoenas, court orders, or legal process. In connection with doing so, we reserve the right to exercise our legal rights and defend AffordableHope.com against legal claims. It may be necessary for us to share information in order to investigate, prevent, or take action regarding potential illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or otherwise.

Anti-Spam Policy

You will not receive email communications from us unless you submit your email address to us and register to receive them. You may, however, receive emails that advertise AffordableHope.com services from third party publishers. We have established firm ground-rules for dealing with any third party email services to ensure that advertisements for AffordableHope.com are not sent out through a "Spam" mailing - ensuring that our offers are sent only to those individuals who have given their permission to the third party email service to receive email communications. If any third party email publisher refuses to abide by our anti-Spam policy, we will not use that publisher's services. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. An "unsubscribe" link should appear within or at the top or bottom of the email you received. However if for any reason it does not work, please bring that to our attention by emailing us at info@AffordableHope.com.

Cookies and IP Addresses

To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user?s computer hard drive, which enable a Web site to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used our webstie. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner?s web sites, limited to the activity involved with the completion of offers listed on our web site This information is used to monitor the performance of our partners.
We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Our Commitment to Security

The confidentiality and privacy of your personal information are very important to us and we take a number of steps to safeguard it. We maintain physical, electronic, and procedural safeguards that comply with federal and all other applicable standards to guard personal information about you. We limit access to personal information to those employees and agents who assist us in providing requested products and services to you. In addition, we use industry standard data encryption technologies when transferring and receiving consumer data on our web site.

Opting-Out

You may register to receive communications from us directly on our web site or through a third party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to us at info@AffordableHope.com. You may also opt-out by clicking on the unsubscribe link in our emails. Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that we can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications. Also, please note that if you enter into a transaction through our web site, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.

Third Party Links, Ad Servers and Sponsors

This Privacy Policy applies to all information that you provide to AffordableHope.com. However, when you visit web sites to which we provide a link, you will be interacting with a third party that operates under its own privacy and security policies. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party?s privacy policy, and not ours. A third party site also should have its own policy regarding the confidentiality and security of your private information. We encourage you to review the privacy policies of any other service provider from whom you request services.

If we receive personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between us and such third party.

From time-to-time, we may also use a reputable third party to present or serve advertisements to you from our website. These third party ad servers may use cookies, web beacons, clear .gifs or similar technologies to help present these advertisements, and to help measure and research the advertisements' effectiveness. The use of these technologies by these third parties is subject to their own privacy policies and is not covered by this Privacy Policy.

Childrens Privacy

You must be at least 18 years old to use this web site We do not knowingly collect, use or disclose personal information about visitors to this web site who may be under 18 years of age. If you are under 18 years of age, you can use the services offered on our web site only in conjunction with your parents or guardians.

Updating Your Information

If you want to access or update the personal information you submitted to AffordableHope.com , please contact us at info@AffordableHope.com (or you may write to us at the address below and request that your personal information be updated).

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, or otherwise wish to contact us, you may do so:

By sending an email to:

info@AffordableHope.com

By sending a letter to:
AffordableHope.com
Attn: Customer Care
PO Box 1936
New City, NY 10956

 

Changes to this Privacy Policy

We may update or modify this Privacy Policy from time to time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will post such changes here on this web site. We will notify you of any material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this web site.

By using this site, you signify your assent to our Privacy Policy. If you do not agree to this policy, please do not use AffordableHope.com. When you request rate quotes or other information through AffordableHope.com, you are authorizing us to share information with our business partners, who will contact you by phone, email or mail. If you do not want further communication from them, please notify the person or entity that has contacted you directly. We reserve the right to make changes in this Privacy Policy at any time. Please check this Privacy Policy each time you use our web site to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of this web site will constitute acceptance by you of any changes to this web site.

This service is the same as opt-out services. As described in our Privacy Policy, AffordableHope.com may disclose private personal information about you to other parties. You have the right to opt out of this disclosure at any tie before or after you submit any personal information to us.

This privacy policy was last updated on September 23, 2008.

2008 © AffordableHope.com All Rights Reserved.
AffordableHope.com does not provide tax, legal or investment advice. Debt or credit related services may or may not meet your needs, and may involve risk. Creditors may continue debt collection efforts, including phone calls, letters, collection agency referrals and lawsuits. Your credit score may be adversely affected. Always seek financial advice from qualified financial and legal advisors, and read and understand all enrollment materials carefully.