A Financial Plan to Share with Your Grandchildren

Privacy Policy

This privacy statement has been created in order to demonstrate our firm commitment to protecting customer privacy.

Information Collection
We are the sole owner of the information collected on this website. We collect information from our users at several different points on our website.

Information We Collect
If you open an account on our website, we need your contact information including your name, e-mail address and mailing address. We use your purchase history, contact information and other registration information to send you information and to otherwise enhance your shopping experience.

When you visit our website, we also collect some basic information that does not identify individual users. We use this information to determine our users’ demographics and interests, so that we can better understand and serve our users.

Cookies
Cookies are small files which store certain information about your activity on the website and are stored on your computer’s hard drive. Our cookies do not contain any personally identifying information. We use cookies to let us know that you are a prior customer, so that you don’t have to reenter information you gave us on your prior visits. Most web browsers automatically accept cookies, but most allow you to instruct your browser to prevent the use of cookies. However, if you disable cookies, you will not be able to use certain features of this website.

Log Files
Like most standard website servers we use log files. This includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the website, track user’s movement in the aggregate, and gather broad demographic information for aggregate use. IP addresses, etc. are not linked to personally identifiable information

Clear Gifs (Web Beacons/Web Bugs)
We sometimes employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our website by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users. The main difference between the two is that clear gifs are invisible on the page and are much smaller, about the size of the period at the end of this sentence. Clear gifs are not tied to users’ personally identifiable information.

In addition, we sometimes use clear gifs in our HTML-based emails to let us know which emails have been opened by the recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to opt-out of these emails, please see the Opt-out section.

Our Use and Disclosure of Your Information
We may send emails to our users announcing special promotions, changes in our services or other information we believe will be of interest to our users. If you prefer not to receive email, you will find an opt-out link at the bottom of our announcement email.

Customer Service
We communicate with users on a regular basis to provide requested services and in regards to issues relating to their account we reply via email or phone, in accordance with the users wishes. We send confirming emails when orders are placed and to confirm membership changes and subscriptions.

If you send us personal correspondence, such as emails or letters, or if other users or third parties send us correspondence about your activities on our website, we may collect such information. We may use that information and other information that we obtain from your use of our website to resolve disputes, troubleshoot problems and enforce our agreement for Terms of Use.

Choice/Opt-out
Users who no longer wish to receive our newsletter and promotional communications may opt-out of receiving these communications by following the remove instructions at the end of each such communication. We also offer an opt-out mechanism on the website or the user may contact the Compliance Officer at our main address.

Surveys & Contests
From time-to-time our website requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). Contact information will be used and/or shared with the contest or survey sponsors to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this website. Users’ personally identifiable information is not shared with third parties unless we give prior notice and choice. Though we may use an intermediary to conduct these surveys or contests, they may not use users’ personally identifiable information for any secondary purposes.

Tell-A-Friend
If a user elects to use our referral service for informing a friend about our website, we ask them for the friend’s name and email address. We will automatically send the friend a one-time email inviting them to visit the website. We store this information for the sole purpose of sending this one-time email and tracking the success of our referral program. The friend may contact our Compliance Officer at the address below to request the removal of this information from our database.

Chat Rooms, Message Boards, and Public Forums
Please keep in mind that whenever you voluntarily disclose personal information online - for example on message boards, through e-mail, or in chat areas - that information can be collected and used by others. In short, by posting personal information online that is publicly accessible, you may receive unsolicited messages from other parties in return.

Legal Disclaimer
Though we make every effort to preserve user privacy, we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our website.

Aggregate Information (non-personally identifiable)
We share aggregated demographic information with our partners and advertisers. This is not linked to any personally identifiable information.

Instances when we will share users’ personal information
We share personal information with parent companies, subsidiaries or affiliated companies for reasons other than corporate record keeping purposes. Typically these kinds of sharing arrangements occur when the third party will then own or control some or all of the customer relationship.

Third Party Intermediaries
For certain products we use an outside shipping company to ship orders, and a credit card processing company to bill users for goods and services.

Service Providers
We contract with third parties to provide specific services. For example, when the user signs up for subscription services, online courses, or other services, we share names, email addresses, and other pertinent information that is necessary for the third party to provide these services. These third parties are not allowed to use personally identifiable information except for the purpose of providing these services.

Business Transitions
In the event we go through a business transition, such as a merger, being acquired by another company, or selling a portion of its assets, users’ personal information will, in most instances, be part of the assets transferred

Security
This website has security measures in place to protect the loss, misuse and alteration of the information under our control.

All user credit card information is securely communicated using secure socket layer (SSL) software, which is the industry standard and among the best software available for secure commerce transactions.

All user information stored on our server is stored in protected form. Notwithstanding these efforts, we caution you that “perfect security” does not exist on the Internet.

Linked websites
If this website contains any links to other websites, we are not responsible for the privacy practices or the content of such websites.

A Special Note About Children
We do not knowingly solicit data from children, nor do we knowingly market to children. We require that children under the age of 18 use this service only in conjunction with their parents or guardians.

Changes to Privacy Statement; Consent
We may update this Privacy Statement from time to time. If we decide to change our privacy policy, we will post those changes to this privacy statement, so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

If, however, we are going to use users’ personally identifiable information in a manner different from that stated at the time of collection we will notify users by posting a notice on our website for 30 days.

You should check this page periodically for changes. By using our website, you consent to the collection and use of your information by us as described in this Privacy Statement.

Questions and Comments
We welcome your questions and comments about this Privacy Statement.

Contact Information
If you have any questions or suggestions regarding our privacy policy, please contact our Compliance Officer at through the address or email form on our “Contact Us” page

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