Privacy Policy, Inc. is dedicated to maintaining the highest standards for the protection of your privacy over the Internet. The purpose of this privacy policy is to demonstrate our firm commitment to your privacy, and to help you understand what types of information we are collecting and what is done with that information., Inc. understands the importance of personal information. We will not share, sell, rent or otherwise transfer information without the user’s permission, and then only in accordance with the terms set forth in this privacy policy.

How to Contact Us

If you have any questions or concerns regarding this privacy policy, you should first contact our customer relations department at Alternatively, you may contact us at:

Privacy Department, Inc.
2104 Valleydale Lane
Encinitas, CA 92024

What Types of Information Do We Collect?

The only information, Inc. obtains about individual visitors to our website(s) is supplied voluntarily by the visitor. During the registration process, a user is required to provide information such as name, address, e-mail address, a password, date of birth, gender, and country of citizenship. In addition, a user may choose to provide other categories of information, such as career objectives, hobbies and other interests as part of the “Smart Organizer”, found in the members area of The Scholarship & Grant Guide.

Optional Information -- At various other points during your visit to any one of our websites, you may be asked to provide information about yourself. For example, you may wish to participate in a survey or contest. Participation in surveys or contests or the use of other services, which require the input of additional information, is completely voluntary on your part, and you have the choice about whether to disclose the information necessary to use these features of the site.

Passive Collection of Information – In addition to the information you actively provide to, Inc. by filling out various forms, we also collect information about how you interact with the site for purposes such as testing and improving a user’s experience at the site, and ensuring that everything is running as it should be.

Collection of Information from Children –, Inc. abides by federal law and the guidelines set up by the Federal Trade Commission regarding youth privacy. As such,, Inc. will not knowingly collect any personal information from or allow the registration of young people under the age of 13.

Tell-A-Friend/Tell-A-Parent Module – On our website you may come across a form which can be filled out in order to tell a friend or a parent about our website. When filling out this form, you will be asked for the first name and e-mail address of both your friend/parent and yourself. This information is stored for the sole purpose of sending the e-mail and will not be used otherwise.

Use of Information, Inc. uses your information in order to customize our site and enhance the overall user experience. In addition to the information collected during the registration process, we also collect non-identifying passive information in order to learn how you interact with our site.

Contacting You by E-mail –, Inc. may periodically contact you with information regarding updates to the, Inc. website. The frequency of these updates will vary depending on your individual profile, including the types of scholarships and activities you have indicated an interest in. In addition, we may send you free periodical newsletters on the topic of financial aid, scholarships, and other related publications which you may opt out of at any time. And if you specifically provide, Inc. with permission to do so, we may also send you e-mails of a commercial nature. These also will vary in number depending on your individual profile, interests, and hobbies. Out of respect for the privacy of our members, we offer the option to opt out of receiving e-mails such as newsletters, or to opt out of receiving commercial e-mail at any time.

Sharing of Information, Inc. will not knowingly sell, share, rent or otherwise transfer your information other than in accordance with the terms set forth in this privacy policy.

This Privacy Policy applies to consumers that have signed up on the, and website. We may use the personal information that you supply to us and we may work with other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.

Third Party Service Providers – In the event that, Inc. decides it is more efficient and effective to use an outside service provider for any purpose which involves the transfer of personal information such as sending newsletters, e-mail offers, and related items, this outside service provider may only use the personal information for the purpose of providing specific services requested by, Inc., Inc. Third party services covered by this paragraph do not include links to third party sites found on our site, which are governed by a more specific provision (Links to Other Sites) below.

Disclosure to Law Enforcement and Similar Disclosures – While, Inc. strives to protect the personal information of our users,, Inc. will release personal information if required by law or in the good-faith belief that such action is necessary or appropriate.

Other Provisions

Acceptance of Terms/Changes to Privacy Policy - Your use of this site indicates an acceptance of the terms of the Privacy Policy., Inc. reserves the right to update or amend this Privacy Policy at any time.

Disclaimer -, Inc. provides information on many topics. Some of this information is created by, Inc., and some of it is created by third parties. While our site strives to provide accurate expert advice, commentary and other information,, Inc. does not make any warranty regarding the accuracy, reliability or use of any information provided on this site, including calculators and other tools.

Other - In the event that, Inc. sells, assigns or transfers some or all of its business to a successor or acquirer, may sell, assign or transfer all of your information, regardless of your opt status, to such successor or acquirer.

Links to Other Sites - This site contains links to other sites. Please be aware that, Inc. does not exercise control over the information, products, services or policies of third party companies accessible through our site. We encourage our users to be aware when they leave our site and to read the privacy policies of each and every third party site. This Privacy Policy applies solely to the information collected by this site.

Changes to Privacy Policy -, Inc. reserves the right to update this Privacy Policy at any point. Users will always have access to our current Privacy Policy by visiting

Revised as of 9/30/2006


Disclaimer and Terms of Use Agreement

The author and publisher of this Members Site and the accompanying materials have used their best efforts in preparing this Members Site. The author and publisher make no representation or warranties with respect to the accuracy, applicability, fitness, or completeness of the contents of this Members Site . The information contained in this Members Site is strictly for educational purposes. Therefore, if you wish to apply ideas contained in this Members Site , you are taking full responsibility for your actions.

Every effort has been made to accurately represent this product and it’s potential. Even though this industry is one of the few where one can write their own check in terms of earnings, there is no guarantee that you will earn any money using the techniques and ideas in these materials. Examples in these materials are not to be interperted as a promise or guarantee of earnings. Earning potential is entirely dependent on the person using our product, Ideas and techniques. We do not purport this as a “Get rich scheme.”

Any claims made of actual earnings or examples of actual results can be verified upon request. Your level of success in attaining the results claimed in our materials depends on the time you devote to the program, ideas and techniques mentioned, your finances, knowledge and various skills. Since these factors differ according to indeviduals, we cannot guarantee your success or income level. Nor are we responsible for any of your actions.

Materials in our product and our website may contain information that includes or is based upon forward-looking statements within the meaning of the securities litigation reform act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They use words such as “Anticipate,” “Estimate,” “Expect,” “Project,” “Intend,” “Plan,” “Believe,” and other words and terms of similar meaning in connection with a description of potential earnings or financial performance.

Any and all forward looking statements here or on any of our sales material are intended to express our opinion of earnings potential. Many factors will be important in determining your actual results and no guarantees are made that you will achieve results similar to ours or anybody elses, in fact no guarantees are made that you will achieve any results from our ideas and techniques in our material.

The author and publisher disclaim any warranties (express or implied), merchantability, or fitness for any particular purpose. The author and publisher shall in no event be held liable to any party for any direct, indirect, punitive, special, incidental or other consequential damages arising directly or indirectly from any use of this material, which is provided “as is”, and without warranties.

As always, the advice of a competent legal, tax, accounting or other professional should be sought.

The author and publisher do not warrant the performance, effectiveness or applicability of any sites listed or linked to in this Members Site .

All links are for information purposes only and are not warranted for content, accuracy or any other implied or explicit purpose.

This Members Site is © copyrighted by, Inc. No part of this may be copied, or changed in any format, sold, or used in any way other than what is outlined within this Members Site under any circumstances.

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