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Privacy Policy


Privacy Policy for ConsumerMiser.com

ConsumerMiser.com and its owner (“we,” “us,” or “our”) take your privacy seriously, and have published this Privacy Policy to explain how we will treat information that you may submit to www.consumermiser.com or to portions of other Web pages and Web content through which you have accessed this Privacy Policy (collectively, this “Site”).

At ConsumerMiser.com, we recognize that privacy of your personal information is important.  We never sell your personal information to third parties.  Below is information on what types of personal information we receive and collect when you use and visit ConsumerMiser.com, and how we safeguard your information.

Log Files

As with most other websites, we collect and use the data contained in log files.  The information in the log files include  your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.

Cookies and Web Beacons

We do use cookies to store information, such as your personal preferences when you visit our site.  This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.

We also use third party advertisements ConsumerMiser.com to support our site.  Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed.  This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).

You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security.  However, this can affect how you are able to interact with our site as well as other websites.  This could include the inability to login to services or programs, such as logging into forums or accounts.

By visiting, using and/or submitting information to the Site you are accepting the practices described in this Privacy Policy and the terms and conditions of the Terms of Use located at the URL [http://www.consumermiser/articles/terms-of-use] (the “Terms of Use”).

Disclosure of Personally Identifiable Information
The following describes some of the ways that your personally identifiable information may be disclosed in the normal scope of business:

• Advertisers. We may aggregate personally identifiable information and disclose such information in a non-personally identifiable manner to advertisers and other third parties for their marketing and promotional purposes. For example, we may aggregate personally identifiable information and disclose it to network advertisers in a non-personally identifiable manner as set forth in the section entitled “Network Advertisers,” set forth below. We do not disclose your information in a personally identifiable manner to such third party advertisers without your consent.

• External Service Providers. There are a number of separate services offered by third parties, including, without limitation, our affiliates, that we refer to as external service providers that may be complementary to your use of this Site. If you choose to use these separate services, disclose information to the external service providers, and/or grant them permission to collect information about you, then their use of your information is governed by their privacy policy. With your consent, we may provide some of your personal information to the external service provider offering such services, for your convenience. To prevent our disclosure of your personally identifiable information to an external service provider, you can decline such consent or simply not use their services. You should evaluate the practices of external services providers before deciding to use their services.

NOTE: If you click to use or apply for a service or product on this Site, you may be linked to an external service provider’s Web site. If you choose to use or apply for an external service provider’s service or product, then all information you disclose will be governed by the external service provider’s privacy policy. Such links to external service providers are not an endorsement by us of those external service providers and/or the products or services offered there. We are not responsible for the privacy practices of external service providers and encourage you to check the privacy policy of external service providers.

• Internal Service Providers. We may use third parties that we refer to as internal service providers to facilitate or outsource one or more aspects of our business, product and service operations that we provide to you (e.g., technology, Forums, newsletters/alerts, analytical tools, advertising campaign management) and therefore we may provide some of your personal information directly to these internal service providers. These internal service providers are subject to confidentiality agreements with us or other legal restrictions that prohibit their use of the information that we provide them for any other purpose except to facilitate the specific outsourced operation, unless you have explicitly agreed or given your prior permission to them for additional uses. In some instances, the internal service provider may collect information directly from you. In these cases, you will be notified of the involvement of the internal service provider, and all additional information you provide them and their additional uses will be strictly up to you. If you provide additional information to an internal service provider directly, then their use of your personally identifiable information is governed by their applicable privacy policy.

Notwithstanding the foregoing, we reserve the right (and you authorize us) to share or disclose your personally identifiable information when we determine, in our sole discretion, that the disclosure of your personally identifiable information is necessary to identify, contact, or bring legal action against you if:

• you are or may be violating this Privacy Policy or the Terms of Use;
• you are interfering with another’s rights or property, including, without limitation, our rights or property;
• you are violating any applicable law, rule or regulation;
• necessary or required by any applicable law, rule or regulation; and/or
• requested by authorities in the event of any act of terrorism or instance of local, regional or national emergency.

Network Advertising
We may use third-party advertising companies for marketing, advertising and promotional purposes, as well as to serve advertisements to you. Using third-party advertising companies helps us and third-party advertisers better determine which advertisements or content to serve to you. For example, the third-party advertisers may use information regarding your visits to this Site and other Web sites in order to provide advertisements about goods and services, that third party advertisers believe will be of interest to you.

The types of information that may be collected by third-party advertising companies include the following:
• the type of Internet browser you use;
• the type of computer operating system you use;
• the domain name of a Web site you visit, as well as information related to Web sites and Web pages you are viewing when an advertisement is requested;
• whether or not you visit specific pages of this Site or other Web sites;
• the location of your Internet service provider’s point of presence;
• the date and time of a visit to a Web site;
• search keywords passed from another server;
• the number of times you have clicked on an advertisement; and
• other interactions between you and a Web site.

If you would like to opt-out of third-party advertising companies’ use of such information, click here. If you would like more information about this practice and to know your choices about not having this information used by these companies, click here.

Links to Other Web sites
This Site may include links to other third party Web sites. Such links are not an endorsement by us of those Web sites and/or the products or services offered there. Third party Web sites may have different privacy policies and we are not responsible for the privacy practices of those third party Web sites. If you click on a link to a third party Web site, we encourage you to check the privacy policy of that Web site, as it may differ substantially from that of this Privacy Policy.

Access and Use of this Site
This Site is intended to be accessed and used only by adults and is not directed to children under the age of 18. We do not knowingly permit registration or submission of personally identifiable information by anyone under the age of 18.

Changes to this Privacy Policy
We reserve the right to update, amend and/or change this Privacy Policy at any time in our sole discretion and without notice. Updates to this Privacy Policy will be posted here. Any information we collect from you online is subject only to our most current Privacy Policy. You are encouraged to revisit this Privacy Policy from time to time in order to review any changes that have been made. Your continued access and use of this Site following the posting of any such changes shall automatically be deemed your acceptance of the same.

Questions or Concerns
If you have questions, comments, concerns or feedback regarding this Privacy Policy, send an e-mail to privacypolicy@consumermiser.com.

Governing Law; Arbitration
YOU AGREE THAT: (I) THIS SITE SHALL BE DEEMED SOLELY BASED IN THE STATE OF CONNECTICUT; AND (II) THIS SITE SHALL BE DEEMED A PASSIVE WEB SITE THAT DOES NOT GIVE RISE TO PERSONAL JURISDICTION OVER US, EITHER SPECIFIC OR GENERAL, IN JURISDICTIONS OTHER THAN THE STATE OF CONNECTICUT. THIS PRIVACY POLICY IS TO BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE INTERNAL LAWS OF THE STATE OF CONNECTICUT, WITHOUT REGARD FOR PRINCIPLES OF CONFLICTS OF LAWS. ANY CIVIL ACTION, CLAIM, DISPUTE OR PROCEEDING ARISING OUT OF OR RELATING TO THIS PRIVACY POLICY SHALL BE REFERRED TO FINAL AND BINDING ARBITRATION, BEFORE A SINGLE ARBITRATOR, UNDER THE COMMERCIAL ARBITRATION RULES OF THE AMERICAN ARBITRATION ASSOCIATION IN HARTFORD, COUNTY, CONNECTICUT.  THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING THIS SITE YOU CONSENT TO THESE RESTRICTIONS.

YOU AND US SHALL SELECT THE ARBITRATOR, AND IF YOU AND US ARE UNABLE TO REACH AGREEMENT ON SELECTION OF THE ARBITRATOR WITHIN THIRTY (30) DAYS AFTER THE NOTICE OF ARBITRATION IS SERVED, THEN THE AMERICAN ARBITRATION ASSOCIATION SHALL SELECT THE ARBITRATOR. ARBITRATION SHALL NOT COMMENCE UNTIL THE PARTY REQUESTING IT HAS DEPOSITED ONE THOUSAND DOLLARS ($1,000.00) WITH THE ARBITRATOR FOR THE ARBITRATOR’S FEES AND COSTS. THE PARTY REQUESTING ARBITRATION SHALL ADVANCE SUCH SUMS AS ARE REQUIRED FROM TIME TO TIME BY THE ARBITRATOR TO PAY THE ARBITRATOR’S FEES AND COSTS UNTIL THE PREVAILING PARTY IS DETERMINED OR THE PARTIES HAVE AGREED IN WRITING TO AN ALTERNATE ALLOCATION OF FEES AND COSTS.

JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR SHALL BE FINAL, BINDING AND CONCLUSIVE UPON YOU AND US AND YOUR AND OUR RESPECTIVE ADMINISTRATORS, EXECUTORS, LEGAL REPRESENTATIVES, SUCCESSORS AND ASSIGNS, AND MAY BE ENTERED IN ANY COURT OF COMPETENT JURISDICTION. NOTWITHSTANDING THE PREVIOUS SENTENCE, IN NO EVENT SHALL EITHER YOU OR WE BE ENTITLED TO PUNITIVE, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES AND BOTH YOU AND WE HEREBY WAIVE YOUR AND OUR RESPECTIVE RIGHTS TO ANY PUNITIVE, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR ANY LOSS OF PROFIT, REVENUE OR BUSINESS.

SHOULD A DISPUTE ARISE AND SHOULD THE ARBITRATION PROVISIONS HEREIN BECOME INAPPLICABLE OR UNENFORCEABLE, OR IN ANY INSTANCE OF ANY LAWSUIT BETWEEN YOU AND US, JURISDICTION OVER AND VENUE OF ANY SUIT SHALL BE EXCLUSIVELY IN THE STATE AND FEDERAL COURTS SITTING IN HARTFORD COUNTY, CONNECTICUT.

Miscellaneous
If any portion of this Privacy Policy is deemed unlawful, void or unenforceable by any arbitrator, this Privacy Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Privacy Policy that is unlawful, void or unenforceable shall be stricken from this Privacy Policy.

The headings contained in this Privacy Policy are for convenience of reference only, are not to be considered a part of this Privacy Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Privacy Policy.

All covenants, agreements, representations and warranties made in this Privacy Policy, as may be amended by us from time to time, shall survive your acceptance of this Privacy Policy.

This Privacy Policy and the Terms of Use represent the entire understanding and agreement between you and us regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

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