Privacy Policy

This notice outlines the privacy policies of the Site. By visiting
this website, and/or submitting any information on any of the forms
linked to this Privacy Policy you are accepting the practices described
herein.
You must be at least 18 years old to use our Sites. We do
not knowingly collect, use or disclose Personal Information about
visitors under 18 years of age. If you are the parent or guardian of a
minor under 18 years of age and believe that such minor has disclosed
Personal Information to us, please contact us at customerservice@experthub.com so
that we may delete the minor's information from our database.

1.0          How we collect information

1.1          User IP Address

Each time a user visits the Site, our web server automatically
recognizes the user’s IP address and the Web page from which the User
came. The User’s IP address is used to help identify the User and to
gather broad demographic information about the User. We also use IP
addresses collected to help diagnose problems with our servers, to
administer the Sites, and to better serve users in using the services
and features of the Sites.

1.2          Cookies and Action Tags

The first time a user provides an e-mail address in connection with
their activities at a Site, we assign an identification number to that
e-mail address and deploy a cookie to the user's PC. Whenever that user
comes back to a Site using the same PC, the cookie allows the Site to
identify the user and to recall the user's e-mail address. If, at any
time, a user provides other information in connection with their
activities on a Site (such as name, address, birth date, gender, etc.),
we may store that information, along with the users e-mail address, in
our user database. We may use the information stored in our database
(i) for the purpose for which the information was originally provided
by a user; (ii) to pre-populate information fields in the event a user
wishes to sign up for and/or subscribe to services, promotions or
offers in the future; (iii) to ensure that a user will not be
repeatedly exposed to the same ads, offers and promotions while
visiting Sites; and (iv) to, in connection with regular communication
with a user, include offers, promotions or advertisements historically,
or likely to be, of interest to that user.
Action Tags, Web
Beacons and other Data Collection Methods: An action tag or a
web-beacon (also known as a clear gif or a pixel tag) is a method used
to track responses or actions by visitors who view certain
advertisements or other information on a site. Action tags are 1x1
pixel images embedded in a website page that are used to transparently
collect information. We may use action tags to count the number of
times that visitors click on a particular banner ad or visit the pages
of our Sites and to provide information about what products are viewed
or purchased.

1.3          Personal Information

By registering with, or providing personal information to a Site,
as well as providing permission to receive marketing offers, Users
allow us, our affiliates, partners and certain approved third parties
to make their personally identifiable information available to third
parties in accordance with the terms of this privacy policy and the
privacy policy of the respective affiliated sites. While on a Site we
may collect “Personal Information” from a user.  For the purposes of
this Privacy Policy, Personal Information shall mean individually
identifiable information from or about an individual including, but not
limited to: (a) a first and last name; (b) a home or other physical
address, including street name and name of city or town; (c) an e-mail
address or other online contact information, such as an instant
messaging user identifier or a screen name that reveals and
individual’s e-mail address; (d) a telephone number; (e) a Social
Security number; (f) a persistent identifier, such as a customer number
held in a cookie or processor serial number, that is combined with
other available data that identifies and individual; (g) age; (h)
income level; (i) hobbies, buying patterns or preferences; or (j) any
other information from or about an individual that is combined with any
of (a) through (j) above.

2.0          How We Use Personal Information

Information collected may be transmitted to our approved
advertising and marketing partners, our affiliated companies, or
certain other approved third parties interested in providing users with
information or services that you may request or for other marketing and
promotional purposes. Requested information or information regarding
site updates, new products and services, upcoming events and/or status
of any requests or orders may be provided to users by e-mail, postal
mail, telephone SMS text-messaging or by any other means of contact
that users may provide. We may also use Personal Information for
customer service, to provide information that a user may request, to
customize a user’s experience on a Site, and to contact a user when
necessary in connection with transactions entered into by that user on
a Site. We may also use personal information for internal business
purposes, such as analyzing and managing our business. We may also
combine the information we have gathered about users with information
from other sources. We may use third parties to help us operate our
business and the Sites or administer activities on our behalf.
By
entering your SSN into the website, users consent to allow us to share
their SSN with certain approved outside service providers for
evaluation of user’s applications and provision of loan services.
By providing a telephone number users agree and specifically thereby
request that we, our partners, associates and/or certain approved third
parties may contact you via such telephone number whether or not such
number may be included in any State, Federal or other Do Not Call
Registry.
We and/or our marketing partners and affiliated companies enhance
and/or merge Personal Information about users with data collected from
other sources to use in direct and/or online marketing.
We reserve the right, in connection with a transfer of any of our
assets to any affiliated company, to provide Personal Information and
data to the affiliate subject to the terms of this policy. Similarly,
we reserve the right, in connection with a sale of any of our assets or
businesses to a third party, to sell our database containing Personal
Information, or any relevant portion thereof. We may release Personal
Information as we determine may be required by law, to enforce any
terms of service, or to protect the rights, property or safety of our
Sites, its registered users, or others. Please note that our privacy
policy does not apply to websites or web pages that link to our Sites.
You may, at any time, notify us that you do not wish to have your
Personal Information disclosed to third parties for offers and
promotions by sending an e-mail to customerservice@experthub.com.

3.0          How We Use Demographic Information

We use demographic information to tailor Sites to the interests of
our users. Demographic information is shared with advertisers so that
they can tailor their advertisements to the appropriate audience.
Demographic information may also be shared with other third parties.

4.0          Other Sites

Other sites accessible through our Sites have their own privacy
policies and data collection, use and disclosure practices. Please
consult each site's privacy policy. We are not responsible for the
policies or practices of third parties. Please be aware that our Sites
may contain links to other sites on the Internet that are owned and
operated by third parties. The information practices of those websites
linked to our Sites are not covered by this Privacy Policy. These other
sites may send their own cookies to users, collect data, or solicit
Personal Information. Additionally, other companies that place
advertising on our Sites may collect information about you when you
view or click on their advertising through the use of cookies. We
cannot control this collection of information. You should contact these
advertisers directly if you have any questions about their use of the
information that they collect.
On behalf of various sponsors, we
may provide sponsored links to third-party websites. If you click on a
sponsored link or banner ad, a "window" or "frame" containing a
third-party's web site may appear in the foreground with a Site in the
background. Unless you are on one of our Sites, any time that you have
moved to a window, you should assume that your Personal Information is
being collected, used and disclosed in accordance with the windowed
site's privacy policy (if any). If you are unsure as to whose privacy
policy applies, please contact us by e-mail at customerservice@experthub.com.

5.0          Our Security Precautions

The Site has security measures in place to protect against the
loss, misuse and alteration of the information under our control. We
encrypt all of your personal and financial information and use our best
efforts to prevent it from being read or intercepted as the information
travels over the Internet. While we are committed to protecting your
information, we cannot ensure or warrant the security of any
information you transmit to us.

6.0          Removal of Your Information/Opting Out

At your request, we will remove Personal Information that users
have provided to us from our database. Users may make such request by
e-mailing cs@moxymedia.com.
However, deleting Personal Information or otherwise opting-out of
receipt of communications from us or third parties will only change or
delete the data in our database for purposes of transacting future
business on a Site and for managing future communications from us and
third parties. These deletions will not change or delete Personal
Information already collected as part of a particular transaction in
our database, which may have already been shared with third parties,
all as provided above in this Privacy Policy. Users may need to contact
third parties who may contact you directly in order to change the
preferences for the use of personal information that they may have or
use.

We provide users the option to opt-out from receiving information
sent via electronic mailings on behalf of third party advertisers.
Users may unsubscribe from receiving e-mails at any time by following
the instructions contained at the end of every e-mailing. Unsubscribe
requests can only be processed if you have registered with us in the
first instance. If you have not registered with us and wish to opt out
of receiving e-mails from a particular sender, please consult that
sender’s opt out policies or contact that sender directly.
Information sent on behalf of third party advertisers is prepared
several days in advance, so users may continue to receive e-mail from
us for up to 5 days after following the unsubscribe procedures detailed
above. If after that point a user is still receiving email from us, the
user should contact us at cs@moxymedia.com.

7.0 Limitation of Damages

IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES OF ANY KIND
ARISING FROM YOUR USE OF A SITE OR FOR THE UNAUTHORIZED MODIFICATION OF
TEXT OR ADVERTISEMENTS PROVIDED BY US TO OUR MARKETING PARTNERS OR
THIRD PARTIES.
DISCLAIMER - THE SERVICE IS PROVIDED "AS
IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO
THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM
ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO,
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS EXPLAINED IN SITE WILL BE
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT
THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT
WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF
THE USE OF THE MATERIALS IN THIS SITE OR AS MAY BE PROVIDED IN RESPONSE
TO YOUR INQUIRY IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY,
OR OTHERWISE. USER ASSUMES THE ENTIRE COST OF ALL NECESSARY SERVICING,
REPAIR, OR CORRECTION. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF
IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY - UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT
LIMITED TO, NEGLIGENCE, SHALL WE BE LIABLE FOR ANY SPECIAL OR
CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO
USE THE MATERIALS IN THIS SITE OR ANY INFORMATION PROVIDED TO YOU IN
RESPONSE TO YOUR INQUIRY, EVEN IF WE HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE
LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL
DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN
NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND
CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED
TO, NEGLIGENCE), OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY,
FOR ACCESSING THIS SITE.

8.0          Changes to the Privacy Policy

We reserve the right to change the terms of this Privacy Policy.
Since any changes will be posted on this page, we encourage you to
check this page regularly.  Any changes to this policy shall be
effective immediately upon posting them here.  This privacy policy was
last amended on March 29, 2007.

9.0          Contacting us about privacy questions or concerns

If you have any questions about this Privacy Policy, the practices
of a Site, or your dealings with this Site, please email us at customerservice@experthub.com.