GettingRichYourWay.com and BizarFinancing.com - Privacy Policy - Overview

Our Internet websites allows you to buy products and services, sign up for a gift registry, enter contests, receive special discounts, apply for credit, fill out surveys, and receive newsletters, e-mails or other promotional information from us. We use the information that we collect about you to fulfill your product and service purchases and to create a more personalized online experience. This is just a brief overview, so please read on for more details about our Privacy Policy. This Policy may change from time to time, so please check back periodically.

Except as otherwise discussed in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you online. For some services, we either collect or transfer personal information to a service provider you have selected, or you may visit other providers through links on our sites who may collect and use your personal information. We encourage you to ask questions and to be very cautious before you disclose your personal information to others.

Questions regarding this Policy should be directed to privacy@BizarFinancing.com or may also be contacted directly at the following address:

Attn: Privacy Compliance Officer
Getting Rich Your Way/Bizar Financing
29991 Canyon Hills Road STE 1709-233
Lake Elsinore, CA 992532-2579 USA

This Privacy Policy will explain the following regarding use of our sites:

1. What information does GettingRichYourWay.com and BizarFinancing.com collect from you?
2. Where do we collect information from you and how do we use it?
3. Who is collecting your information?
4. With whom do we share your information?
5. What are your choices regarding collection, use, and distribution of your information?
6. What security precautions are in place to protect against the loss, misuse, or alteration of your information?
7. BizarFinancing.com and third-party use of "cookies" and "action tags."
8. You should carefully review privacy policies of any third-party sites accessible from BizarFinancing.com
9. Contacting BizarFinancing.com about privacy questions or concerns
10. Privacy Policy changes

1. What information does BizarFinancing.com collect from you?

In order to better provide you with products and services, BizarFinancing.com collects two types of information about its visitors: Personally Identifiable Information and Non-Personally Identifiable Information. Our primary goal in collecting information from you is to provide you with a smooth, efficient, and customized experience while using our sites.

Personally Identifiable Information

This refers to information that lets us know the specifics of who you are. Personal information is requested when you order a product or service, register for a Gift List, enter contests or sweepstakes, apply for the BizarFinancing.com credit card or other credit related services, fill out surveys, and send us feedback. For example, this information might include your name, billing address, shipping address, telephone number, e-mail address, credit card or other payment information, and product details. With this information, BizarFinancing.com can fill your orders and better provide you with personalized services. For a few services, we may collect your personal information on behalf of other providers and share it with them. If you visit one of the providers available through a link on our sites, they will independently collect, use and share your personal information in accordance with their own privacy policies. If you have questions about their information practices, please read their privacy policies. In many cases, you can find a link to their privacy policies on the page offering the Partners' services.

Non-Personally Identifiable Information

This refers to information that does not by itself identify a specific individual. We gather certain information about you based upon where you shop on our sites or the specific features you access. This is done in several ways. This information is compiled and analyzed on both a personal and an aggregated basis. For example, this information may include the Web site's Uniform Resource Locator ("URL") that you just came from, which URL you next go to, what browser you are using, and your Internet Protocol ("IP") address. A URL is the global address of documents and other resources on the World Wide Web. An IP address is an identifier for a computer or device on a Transmission Control Protocol/Internet Protocol ("TCP/IP") network, such as the World Wide Web. Networks like the Web use the TCP/IP protocol to route information based on the IP address of the destination. In other words, an IP address is a number that is automatically assigned to your computer whenever you are surfing the web, allowing web servers to locate and identify your computer. Computers require IP addresses in order for users to communicate on the Internet, browse and shop.

2. Where do we collect information from you and how do we use it?

Our primary goal in collecting personal information is to provide BizarFinancing.com's visitors with a superior customized online experience. We use the customer contact information to fill orders, contact purchasers to inform them of their order status, to send promotional information, to enhance the operation of our sites and administer our systems.

Demographic data also may be collected at our sites from third party advertising servers, content servers, or web site analysis agents who provide us with the zip code and area code associated with a visitor's server, along with pages viewed and features accessed on our sites. We review the actions of the BizarFinancing.com visitors on an aggregate basis to determine customers' preferences.

BizarFinancing.com also does research on our visitors' demographics, interests, and pages viewed based on the information provided to us during ordering, a promotion, from our server log files, from our web site analysis agents, or from contests, drawings or surveys. We will use this data to tailor the visitor's experience at our sites, to improve our marketing and promotional efforts, to statistically analyze site use, to improve our product offerings, and to customize our site's content, layout, and services. We receive reports from third party ad servers, content servers, or web site analysis agents that tell us how many ads were presented and clicked upon or what content was served or viewed.

We may also share your personally identifiable information with third parties who provide services to us, our customers and web site visitors. Those third parties include authorized contractors, temporary employees and consultants and other companies working with us (collectively, "agents"). Where we believe it to be appropriate (in our sole discretion), we will ask our agents not to disclose or use your personal information for purposes other than to provide services to you or BizarFinancing.com.

We gather information in the following ways:

Shopping

We collect IP addresses for the purposes of system administration, to gather broad demographic information, to enable ads to be served on our sites, to report Non-Personally Identifiable Information to our advertisers, and to monitor the level of activity on our sites. We collect information from visitors to our sites regarding the URLs they came from, domain types (e.g., .com or .org), their IP addresses, the date and time of their visit or order, the number of visits and orders, the number of visits per browsing session, the server type, the operating system and browser type used to come to the sites, the country, state and telephone area code where their servers are located, the pages and page titles of our sites that visitors viewed during their visit, whether the visitor's computer is enabled for Java or cookies, browser language, applications and plug-ins, and any search terms entered on our sites.

Ordering

When you order from us, we collect personally identifiable information from you. If you order one of our products or services, we will collect and maintain your name, e-mail address, billing address, shipping address, telephone number, product selections, credit card or other payment information, order number, referring URL, IP address, page you bought from and a password. We collect this, and other information, as disclosed in this Policy, in order to fill your order, to communicate with you about your order and to send you promotional materials. Before confirming your order, you will have the opportunity to review the product order form and make changes and additions to the information it contained and these changes will be automatically kept for future use.

Online Surveys and Polling

In order to improve our services to you, we ask some of our customers to voluntarily complete surveys, which may be collected by an independent third party. Individual survey answers are confidential, although Non-Personally Identifiable Information is collected and disclosed to third parties. If you do not wish to participate in a survey, simply decline to participate when asked.

Contests and Sweepstakes

When you enter a contest or other promotion, we may ask you for contact information such as your name, address and e-mail address in order to administer the contest, to send you promotional e-mails, notify winners and make the winners' list publicly available pursuant to certain states' laws. Your consent to such promotional use and disclosure of this information is a condition of your participation. As a condition of receiving any prize, you will be required to submit an Affidavit of Eligibility, for us to ensure that you are eligible to receive the prize according to the Contest Rules.

Newsletters and Promotional E-mails

We offer free newsletters, such as our Bizar Financing Newsletter, and promotional e-mails as a service to our customers. We will send you newsletters and e-mails periodically listing current specials and deals. To stop receiving our newsletter, send an e-mail to us at optout@BizarFinancing.com.

Contact Information and Third-Party Data

If you contact BizarFinancing.com or our customer service representatives by telephone, e-mail or letter, we may keep a record of your correspondence or comments. If you report a problem with our sites, we may collect such information in a file specific to you. If you contact us through our feedback area or by calling one of our customer service representatives, we may ask for your name, e-mail address and order information in order to send you a reply. If other users or third parties send us correspondence about your activities or purchases on our sites, we may keep the information in a file specific to you.

Customer Service

We use a third party to help us provide customer service. In order to help you most effectively, we provide them with your order information.

Guarantee Information

Our guarantee programs may be administered and operated by third party fulfillment companies. When you purchase a product or service, we may pass along your name, address, telephone number, e-mail address, guarantee information and information about the product or service purchased to the fulfillment company so that they can provide their service to you.

Affiliate Program

Our Affiliate Program (Affiliate Connection) is administered by a third party, on a third party's Web site. Any information collected by them is not governed by this Policy.

Advertising

We may display advertisements on our sites. By knowing a little about you, BizarFinancing.com will be able to deliver more relevant advertisements and content to you in the form of targeted banners and promotions. For example, advertisers give us an advertisement and tell us the type of audience they want to reach (e.g., buyers of businesses). BizarFinancing.com takes the advertisement and includes it in a BizarFinancing.com e-mail to prior customers meeting that criterion. We may also have third-party advertising servers display ads linked to certain search terms that you have entered, or to certain pages that you are viewing. In this process, advertisers never have access to individual account information. Additionally, BizarFinancing.com may share aggregated data with advertisers.

We also track customers' traffic patterns throughout their online session, including which pages, information and advertisements a customer views while using the sites and what items they place in their shopping cart basket or purchase. We use your IP address to diagnose problems with our servers, software, to administer our sites and to gather demographic information.

We may share aggregated statistics about pages viewed on our sites, sales and other shopping information with third parties.

Cookies

We use cookies and may allow others to use cookies in the operation of our sites. A cookie (also tracking cookie, browser cookie, and HTTP cookie) is a small piece of text stored on a user's computer by a web browser. A cookie consists of one or more name-value pairs containing bits of information such as user preferences, shopping cart contents, the identifier for a server-based session, or other data used by websites.

Action Tags/Web Beacons

We may use and allow others to use action tags or web beacons in the operation of our sites. A web beacon in a web page or e-mail and is usually invisible to the user but allows checking that a user has viewed the page or e-mail.

3. Who is collecting your information?

Ad Servers and Content Servers: We may use third party ad servers or content servers to serve ads, product information, or other information both on and off our sites. Those third parties may use "action tags" or web beacons throughout the sites to count the number of visitors who click on a banner ad or other information and to track the number of customers who continue on to make a purchase. They may also place their own "cookie" on your computer to help those ads to run and analyze site usage. We do not provide them with any of your Personally Identifiable Information. For more information about the information they collect, please see the section "Use of Cookies and Action Tags" below.

Image Servers: We may use a third-party image serving company to serve the graphics that visitors see on our sites more quickly. They collect a visitor's IP address and the URLs of any graphics viewed and the date and time of the visit. However, they do not collect and we do not provide them with any Personally Identifiable Information. They may also use a "cookie." E-mail Services: We use a third party to send promotional e-mails to customers. Images contained in the email may be served by the third party. They collect certain information about you such as your IP address, browser type, your operating system, the country and server your computer is logged onto, where the servers that your computer is logged onto is located, the time and date that a particular email was viewed, the area code and zip code associated with your server, and whether you responded to a particular ad or email, products viewed and whether you continued on to make a purchase. They may use a "cookie" or "action tags."

Website Analysis Agent: We may contract with several online partners to help manage and optimize our Internet business and marketing. We use the services of marketing companies to help us measure the effectiveness of our advertising and how visitors use our sites. To do this, we may use Action Tags and cookies provided by the marketing companies on out sites. The type of information we collect includes things such as pages, information and advertisements viewed as well as what items are placed in a shopping cart basket or purchased, the order number, the amount of a purchase, the product number and the quantity purchased. By supplementing our records, this information helps us learn things like what kinds of customers our sites attracts, which of our products and services most interest our customers, and what kinds of offers our customers like to see. Although the marketing companies log the information coming from our sites on our behalf, we control how that data may and may not be used. If you do not want to help us learn how to improve our sites, products, offers and marketing strategy, you can "opt-out" of our websites’ analysis tool by sending an email to optout@BizarFinancing.com. For more information, please see the section "Use of Cookies and Action Tags" below.

Marketing Partners, Co-branded Services, Framing/Windows on Third-Party Sites: We may run promotions for merchants where you may visit the merchants' sites. In some of those promotions, a window or frame containing the merchant's site may appear. Any time you are in a window, you should assume that your personal information is being collected, used and disclosed in accordance with that merchant's policies. This Privacy Policy does not apply to information that you supply to those merchants. Any information that you share with them will be used and disclosed in accordance with that merchant's privacy policy. However, once you click on a return link to our site, you can expect that further information that you disclose will be treated in accordance with this Policy.

On occasion, unaffiliated third parties will "frame" BizarFinancing.com's site in an effort to collect customer information. To ensure your privacy, make sure that your order originates from this GettingRichYourWany.com or our BizarFinancing.com site. BizarFinancing.com is not in any manner responsible in the event that you do disclose information to an unaffiliated framing site.

Links and Banner Ads to Third-Party Sites: 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 linking from or to our sites are not covered by this Policy. These other sites may send their own cookies to users, collect data, or solicit personal information. Additionally, other companies or ad servers, which place advertising on our sites may collect information about you through the use of cookies when you view or click on their advertising. We cannot control this collection of information. You should contact advertisers directly if you have any questions about their use of the information that they collect.

4. With whom do we share your information?

Fulfillment: The information collected by BizarFinancing.com is used for processing orders, keeping you informed about your order status, for statistical purposes, for improving our sites and their performance, to serve ads, and to notify you of products or special offers that may be of interest to you. We will disclose your Personally Identifiable Information to third parties to charge your credit card, fill your order, deliver your order, provide customer service, provide you with credit and deliver promotional e-mails to you from BizarFinancing.com. For example, we must release your credit card information to the card-issuing bank to confirm payment; and release your address and telephone information to the delivery service to deliver products and services that you ordered.

Other Parties: We do not sell, trade, or rent your Personally Identifiable Information to others without your consent. We may provide Non-Personally Identifiable Information about our customers' sales, traffic patterns, and related site information to third parties, but these statistics do not include any Personally Identifiable Information. We may release account information when we believe that such release is reasonably necessary to enforce or apply our Terms and Conditions or to protect the rights, property, and safety of BizarFinancing.com, our users, or others. If customers do not pay us for products ordered, we may submit their account information to a third party collection agency.

Services Provided on Our Sites: Except as otherwise stated in this Policy, without your consent, BizarFinancing.com does not disclose its customers' Personally Identifiable Information to other merchants. Where you sign up for goods or services offered through our sites, but sold directly to you by a third party, we give your personal information to that third party (e.g., our newsletter and any magazine offers available on our sites).

Data Analysis Agents: The information collected by or for GettingRichYourWay.com or BizarFinancing.com may be provided to an outside company for the purpose of analysis. That analysis is to help us to improve our and product selection, and to notify you of special offers that may be of interest to you. That data analysis agent may not share any Personally Identifiable Information with others, or use it for any other purpose than to help BizarFinancing.com.

Ad Servers, Advertisers, Image Servers and Website Analysis Agents: These third parties use their cookies' identification numbers and internal web site tracking features to serve ads on our sites and to collect aggregated information to create statistics about our customers and visitors, traffic patterns, and related site information. In the event that our ad servers collect any Personally Identifiable Information on our behalf, it will not be used by them or disclosed to any third parties.

Compliance with Service of Process or Law Enforcement: Occasionally BizarFinancing.com may be asked by law enforcement or judicial authorities to provide Personally Identifiable Information to the appropriate governmental authorities. We will disclose Personally Identifiable Information upon receipt of a court order, subpoena, or to cooperate with a law enforcement investigation, without prior notice to you. BizarFinancing.com fully cooperates with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we believe to be unlawful.

How can you update or correct your Personally Identifiable Information?

We believe you should have the ability to access and edit the personal information that you have provided to us. During the online ordering process you can review, change, or delete the information that you have submitted. You may change any of your personal information in your account online at any time. We encourage you to promptly update your information if it changes. You may ask to have the information on your account deleted or removed; however, because we keep track of past purchases, you cannot delete information associated with past purchases. Also, as a security measure we "back up" the data stored on our systems, and such prior information cannot be completely removed from our databases. As a result, you should not expect that all of your Personally Identifiable Information will be completely removed from our backed-up databases.

5. What are your choices regarding collection, use, and distribution of your information?

Email: We may from time to time send you e-mail or other communications regarding current promotions, specials and new additions to GettingRichYourWay.com or BizarFinancing.com. You may "opt-out," or unsubscribe from our newsletters by following the unsubscribe instructions in any e-mail you receive from us, or by sending an e-mail to optout@BizarFinancing.com. After doing so, BizarFinancing.com users will not receive future promotional emails unless they open a new account, enter a contest, or sign up to receive newsletters or emails.

Ad-servers and other Content Servers: You may also set your browser so that it will not accept "cookies" to prevent assignment from the ad server of a unique identifier; however, you will be unable to shop on our sites if you do so.

6. What security precautions are in place to protect against the loss, misuse, or alteration of your information?

In order to most efficiently serve you, credit card transactions and order fulfillment are handled by established third party banking, processing agents and distribution institutions. They receive the information needed to verify and authorize your credit card or other payment information and to process and ship your order.

When you access your account information, the information is kept on a secure server. All of the customer data we collect is protected against unauthorized access by physical security means.

A special note about children's privacy

You must be at least 18 years old to have our permission to use our sites. Our policy is that we do not knowingly collect, use or disclose Personally Identifiable 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 they have disclosed personally identifiable information to us, please contact us at privacy@BizarFinancing.com so that we may delete the minor's information.

7. BizarFinancing.com and third-party use of "cookies" and "action tags."

BizarFinancing.com Cookies: When you use our sites, we will store cookies on your computer in order to facilitate and customize your use of our sites. A cookie is a small data text file, which a Web site stores on your computer's hard drive (if your Web browser permits) that can later be retrieved to identify you to BizarFinancing.com. Our cookies store randomly assigned user identification numbers, the country where you are located, and your first name to welcome you back to our site. The cookies make your use of the sites easier, allow you to retrieve an earlier shopping cart, make the sites run more smoothly and help us to maintain a secure site. You will be unable to shop on our sites without your browser set to accept cookies.

Ad Server and Content Server Cookies: We may use an outside ad serving company or content server to display banner advertisements and other information on our sites or to serve promotional emails. As part of their service, they place a separate cookie on your computer. Except for the company that serves our promotional emails, BizarFinancing.com does not provide third-party ad servers with any of your Personally Identifiable Information. BizarFinancing.com and its third party ad servers do collect and use Non-Personally Identifiable Information about you, such as your IP address, browser type, the URLs from which you came, referring site's domain types (e.g., .com), operating system, the country, the server your computer is logged onto, where the servers that your computer is logged onto is located, the pages of our site and products that visitors viewed during their visit, where an ad was placed on a specific web site page, the time and date particular ads were served, the area code and zip code associated with your server and whether you responded to a particular ad, and a receipt identifier.

Our third-party ad servers will occasionally use outside agents, whose computers will serve ads on our site in the same manner and under the same conditions as above. In addition, other ad serving companies or advertisers may place banner ads on our site in the same manner as above, but we do not disclose to them any Personally Identifiable Information.

Image Server Cookies: As part of the ad-serving process, a third party may serve graphics upon our site. In order to customize their service, they may also place a cookie upon your computer. While BizarFinancing.com does not control their use of that cookie, no Personally Identifiable or individual customers' product information is collected.

Website Analysis Agent Cookies: We may use a third party to analyze what our visitors find to be most interesting on our sites. To do that, they will place a cookie on your computer with a randomly assigned unique number in order to track the pages you view on our sites, along with other Non-Personally Identifiable Information.

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 customers who view certain advertisements or other information on our sites. Action tags are 1x1 pixel images embedded in a website page that are used to transparently collect information. Our ad server, content servers and website analysis agents 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. Without collecting any personally identifiable information, they use that data to tell us (and other advertisers) which ads are the most effective on particular sites. Our ad server, content server and website analysis agents may use an action tag on our basket page, checkout page, and other pages, to keep anonymous track of the number of times that clicking on a banner ad or views other information on our site results in a purchase. They also collect the amount of the purchase, order confirmation number, stock keeping unit number, quantity and identity of product purchased.

E-mail Distributor's Use of Action Tags: Our third-party e-mail distributor may also use action tags. They may, for example, keep track of when a promotional e-mail is opened and provide BizarFinancing.com with ongoing aggregated reports of how many customers have responded. We share with them web site usage information about visitors to our web sites who have received a promotional e-mail or other targeted promotional campaign. They use the information for the purpose of targeting future campaigns and upgrading visitor information used in reporting statistics. For this purpose, we and our third-party e-mail distributor note some of the pages you visit on our web sites through the use of action tags.

8. You should carefully review privacy policies of any third-party sites accessible from BizarFinancing.com

Other sites accessible through our web sites have their own privacy policies and data collection, use and disclosure practices. Please consult each site's privacy policy. BizarFinancing.com is 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 web sites linked to BizarFinancing.com 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, GettingRichYourWay.com and BizarFinancing.com provide sponsored links to third-party web sites. 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 the GettingRichYourWay.com or BizarFinancing.com web in the background. Unless you are on the GettingRichYourWay.com or BizarFinancing.com web site, 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 privacy@BizarFinancing.com, or by sending a letter to the address below.

9. Contacting BizarFinancing.com about privacy questions or concerns

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, please contact GettingRichYourWay.com and BizarFinancing.com by sending a letter to:

Attn: Privacy Compliance Officer
Getting Rich Your Way/Bizar Financing
29991 Canyon Hills Road STE 1709-233
Lake Elsinore, CA 992532-2579 USA

You may also contact us by e-mail at privacy@BizarFinancing.com.

10. Privacy Policy changes

This Privacy Policy was last changed on January 16, 2010. If BizarFinancing.com makes changes to any terms or conditions of the Privacy Policy, the changes will be posted in this document so that you will always know what information we gather, how we might use that information and to whom we will disclose it. We may change, modify, add or remove portions of this Policy at any time, and any changes will become effective immediately upon being posted unless we tell you otherwise.