moniematters: December 2008

Even if economy is "taking its recess" & interest rates plummet.

We recognize that privacy is important. This Privacy Policy applies to all of the products, services and websites offered, In addition, where more detailed information is needed to explain our privacy practices, we post supplementary privacy notices to describe how particular services process personal information. Principles of Notice, Choice, Onward Transfer, Security, Data Integrity, Access and Enforcement are observed. If you have any questions about this Privacy Policy, please feel free to contact usmailto:Swee613@gmail.com%20Information%20we%20collect%20and%20how%20we%20use%20itWe%20offer%20a%20number%20of%20services%20that%20do%20not%20require%20you%20to%20register%20for%20an%20account%20or%20provide%20any%20personal%20information%20to%20us.%20In%20order%20to%20provide%20our%20full%20range%20of%20services,%20we%20may%20collect%20the%20following%20types%20of%20information:Information%20you%20provide%20–%20When%20youaccess this blog that requires registration, we ask you for personal information (such as your name, email address and an account password). For certain services, such as our advertising programs, we also request credit card or other payment account information which we maintain in encrypted form on secure servers. We may combine the information you submit under your account with information from other services or third parties in order to provide you with a better experience and to improve the quality of our services. For certain services, we may give you the opportunity to opt out of combining such information.Cookies – When you visit this blog, we send one or more cookies – a small file containing a string of characters – to your computer or other device that uniquely identifies your browser. We use cookies to improve the quality of our service, including for storing user preferences, improving search results and ad selection, and tracking user trends, such as how people search. This blog also uses cookies in its advertising services to help advertisers and publishers serve and manage ads across the web. We may set one or more cookies in your browser when you visit a website, including any sites that use our advertising cookies, and view or click on an ad supported by advertising services.Log information – When you access these services, our servers automatically record information that your browser sends whenever you visit a website. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.User communications – When you send email or other communications to us, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.Affiliated Services on other sites – We offer some of our services on or through other web sites. Personal information that you provide to those sites may be sent to other parties in order to deliver the service. We process such information under this Privacy Policy. The affiliated sites through which our services are offered may have different privacy practices and we encourage you to read their privacy policies.Gadgets – we may make available third party applications through its services. The information collected by us when you enable a gadget or other application is processed under this Privacy Policy. Information collected by the application or gadget provider is governed by their privacy policies.Location data – location-enabled services may be enabled for mobile. If you use those services, we may receive information about your actual location (such as GPS signals sent by a mobile device) or information that can be used to approximate a location (such as a cell ID).Links – we may present links in a format that enables us to keep track of whether these links have been followed. We use this information to improve the quality of our search technology, customized content and advertising. Read more information about links and redirected URLs.Other sites – This Privacy Policy applies to our services only. We do not exercise control over the sites displayed as search results, sites that include any applications, products or services, or links from within our various services. These other sites may place their own cookies or other files on your computer, collect data or solicit personal information from you.We only processes personal information for the purposes described in this Privacy Policy and/or the supplementary privacy notices for specific services. In addition to the above, such purposes include:Providing our services, including the display of customized content and advertising;Auditing, research and analysis in order to maintain, protect and improve our services;Ensuring the technical functioning of our network;Protecting the rights or property of our users; andDeveloping new services.You can find more information about how we process personal information by referring to the supplementary privacy notices for particular services.We process personal information on our servers. In some cases, we process personal information on a server outside your own country. We may process personal information to provide our own services. In some cases, we may process personal information on behalf of and according to the instructions of a third party, such as our advertising partners.Choices for personal informationWhen you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.If we propose to use personal information for any purposes other than those described in this Privacy Policy and/or in the specific service privacy notices, we will offer you an effective way to opt out of the use of personal information for those other purposes. We will not collect or use sensitive information for purposes other than those described in this Privacy Policy and/or in the supplementary service privacy notices, unless we have obtained your prior consent.Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some features and services may not function properly if your cookies are disabled.We use the partner sites and certain services to help advertisers and publishers serve and manage ads across the web. You can view, edit, and manage your ads preferences associated with this cookie by accessing the Ads Preferences Manager. In addition, you may choose to opt out of the cookie at any time.You can decline to submit personal information to any of our services, in which case we may not be able to provide those services to you.Information sharingWe only share personal information with other companies or individuals outside of the following limited circumstances:We have your consent. We require opt-in consent for the sharing of any sensitive personal information.We provide such information to our subsidiaries, affiliated companies or other trusted businesses or persons for the purpose of processing personal information on our behalf. We require that these parties agree to process such information based on our instructions and in compliance with this Privacy Policy and any other appropriate confidentiality and security measures.We have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary to (a) satisfy any applicable law, regulation, legal process or enforceable governmental request, (b) enforce applicable Terms of Service, including investigation of potential violations thereof, (c) detect, prevent, or otherwise address fraud, security or technical issues, or (d) protect against harm to the rights, property or safety of all its users or the public as required or permitted by law.We will ensure the confidentiality of any personal information involved in such transactions and provide notice before personal information is transferred and becomes subject to a different privacy policy.We may share with third parties certain pieces of aggregated, non-personal information, such as the number of users who searched for a particular term, for example, or how many users clicked on a particular advertisement. Such information does not identify you individually.Please contact us at the address below for any additional questions about the management or use of personal data.Information securityWe take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.We restrict access to personal information, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.Data integrityWE process personal information only for the purposes for which it was collected and in accordance with this Privacy Policy or any applicable service-specific privacy notice. We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services or as otherwise permitted under this Policy. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.Accessing and updating personal informationWhen you use these services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. We ask individual users to identify themselves and the information requested to be accessed, corrected or removed before processing such requests, and we may decline to process requests that are unreasonably repetitive or systematic, require disproportionate technical effort, jeopardize the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup tapes), or for which access is not otherwise required. In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort. Some of our services have different procedures to access, correct or delete users’ personal information. We provide the details for these procedures in the specific privacy notices for these services.EnforcementWe regularly review its compliance with this Privacy Policy. Please feel free to direct any questions or concerns regarding this Privacy Policy or personal information by contacting us through this web site or by writing to us.When we receive formal written complaints at this address, it is our policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved, Changes to this Privacy PolicyPlease note that this Privacy Policy may change from time to time. We will not reduce your rights under this Privacy Policy without your explicit consent, and we expect most such changes will be minor. Regardless, we will post any Privacy Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Privacy Policy changes). Each version of this Privacy Policy will be identified at the top of the page by its effective date, and we will also keep prior versions of this Privacy Policy in an archive for your review.If you have any additional questions or concerns about this Privacy Policy, please feel free to contact us any time through this web site. This Blog©2009

moniematters

Wednesday, December 31, 2008

Bundles? Of monie? Ya? Many bundles but each bundle little monie?

Tuesday, December 2, 2008

Reverse Mortgages : Beware supposed to be paid, not pay

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