Captaloans is a service of Interactive Ideas, Inc.

Interactive Ideas, Inc. (here-in-after IAIDEAS) and its subsidiaries and websites respect your right to privacy and are committed to protecting your privacy.

Introduction: We want you to feel comfortable and confident when using our software. This on-line privacy policy is designed to tell you about the collection and use of information from our IAIDEAS family of websites. This will assist you in making an informed choice about participating with IAIDEAS.

We protect your information: We protect the confidentiality and security of your personal information by using industry-recognized security safeguards such as firewalls, coupled with carefully developed security procedures to protect your information from loss, misuse or unauthorized alteration. Whenever we ask for sensitive information, such as credit card numbers, we encrypt it as it is transmitted to us. Our employees are trained and required to safeguard your information and, using physical, electronic and procedural safeguards, we restrict access to personal information to those employees and agents for business purposes only. Additionally, we use internal and external resources to review the adequacy of our security procedures. Collection of Data: Your personal data may be collected and stored in one or more data bases maintained by IAIDEAS. By providing personal information to IAIDEAS, you agree and understand that IAIDEAS and its agents may need to access, store and use this information for purposes including identification, registration, authentication, and billing.

Privacy: IAIDEAS will not sell, rent or share your personal information to others. IAIDEAS will not share your personal information with a business partner or any unrelated third-party company. We do not share your personal information with anyone outside of IAIDEAS.

Registration: When you register for an account to use one of the IAIDEAS software products, you are required to provide certain personal and demographic information in order to set up your account.

Billing: When you subscribe to a level of IAIDEAS service requiring a fee, we require that you provide your billing address and your credit card information, including credit card number and expiration date. Credit card information is used solely for the purpose of billing you for IAIDEAS services. Credit card and purchase order information is not shared with third parties except as required to process payments.

Your IAIDEAS service is billed to an account. IAIDEAS recognizes the account in which your data lives as the owner of your data. The account is responsible for payment and can transfer ownership of your data. Account owners and administrators should keep in mind that if they grant another individual full administrative rights to their account, that person will have access to the account's billing information.

IAIDEAS Database Access: Any content you place in an IAIDEAS database will not be publicly available unless you voluntarily choose to give permission to other IAIDEAS users. IAIDEAS personnel will not view, use, or distribute any content of your databases under any circumstances. IAIDEAS support personnel may only access your database for the purposes of support with your express permission.

You have control over who has access to the data in your databases. When you first create a database, only you have access. At your discretion, you may choose to allow others access to your database. You decide who gets access and at what level (view, modify and/or create).

Your database information is password protected. We recommend that you do not divulge your password to anyone. IAIDEAS personnel will not require you to divulge your password, even to provide support or assistance. Remember to sign out of your IAIDEAS account and close your browser window when you have finished your work. This is to prevent others from accessing your databases if you share a computer with someone else, or are using a computer in a public place, like a library or Internet café.

Visiting Our Web Sites: When you visit this web site or any of our IAIDEAS web sites, some information, such as your IP address or the time and date of your visit, may be collected automatically. On some occasions, such as when you download software, order our products, or enter contests from our web sites, you may be asked to register and provide certain personally identifying information. Supplying some information to us may be optional, but you may be unable to access certain areas of this web site or use our software without doing so.

The Use of Personal Information: The personal information collected from our web sites is used for a variety of purposes including identification, registration, authentication and on-line transactions. We may use the information you provide to inform you of special offers, upgrades, and other IAIDEAS products and services that may be of interest to you.

By using IAIDEAS' website, you understand and agree as follows: 1. IAIDEAS and its affiliated companies and its agents may store, access, and use the information in any jurisdiction, including jurisdictions whose privacy laws may be different and less protective than those of your home jurisdiction; 2. This site and all our IAIDEAS Community sites are controlled by IAIDEAS from its offices in the United States. IAIDEAS makes no representation that materials in our sites are appropriate or available for use in other locations. If you choose to access this site from other locations you are doing so at your own initiative and are responsible for compliance with applicable local laws. The terms of this policy and the use of this site are governed by the laws of the state of California (United States). Use of this site is unauthorized in any jurisdiction that does not give effect to the provisions of this policy.

We have designed our websites so that you can visit IAIDEAS websites on the web without identifying yourself or revealing any personal information. Once you have chosen to provide us with personally identifiable information (any information by which you can be identified), you can be assured that it is not displayed online and it is not accessible to the general public. Your personal information will be used solely for the purpose of order processing and personalization only. IAIDEAS strives to have consistent privacy practices for your personal information regardless of the medium used to collect the information. Therefore, this privacy policy applies to all online, offline and manually processed personal information.

This site and all our IAIDEAS Community sites are controlled by IAIDEAS from its offices in the United States. IAIDEAS makes no representation that materials in our sites are appropriate or available for use in other locations. If you choose to access this site from other locations you are doing so at your own initiative and are responsible for compliance with applicable local laws. The terms of this policy and the use of this site are governed by the laws of the state of California (United States). Use of this site is unauthorized in any jurisdiction that does not give effect to the provisions of this policy.

We hope that the information provided will address any questions or concerns you may have about the collection and uses of your information. The terms of this on-line privacy policy apply unless different terms are specified in an on-line or other form or contract provided to you by IAIDEAS and/or any of our IAIDEAS Community sites.

IAIDEAS privacy practices are self-certified to the U.S. Department of Commerce Safe Harbor Program. Our policy regarding the privacy of your information covers privacy principles consistent with the Fair Information Practices and the U.S. - E.U. Safe Harbor Principles: Notice, Choice, Access and Accuracy, Onward Transfer Security and Oversight. This privacy statement applies to all IAIDEAS.com-owned web sites and domains, and our wholly owned subsidiaries and buying programs.

Notice: IAIDEAS provides this online Privacy Policy to make you aware of our privacy practices and of your choices about the way your information is collected and used. We take seriously the trust you place in us. To make this notice easy to find, we make it available on our homepage and at the bottom of every IAIDEAS.com and its subsidiaries' web pages.

What we collect: We collect your contact and billing information so that we may send you an order confirmation, provide you with information regarding your purchase(s) and for the purpose of affirming the accuracy of your data. Financial information (such as credit card numbers and billing address) is used for payment processing only and is not retained for any other purpose. This information is submitted through secure methods (SSL), and is stored under encryption. We do not share this information with any other parties under any circumstances.

IAIDEAS does not knowingly collect information from children under the age of 13 and IAIDEAS products and services do not target information to children under 13. IAIDEAS is committed to protecting the privacy needs of children and we encourage parents to take an active role in your child's online activities and interests.

If you apply for a job at IAIDEAS, you provide your email address, educational and employment background and job interest data. IAIDEAS may use a third-party entity to house our employment inquiries. IAIDEAS will not use personal data submitted as part of the job application process for any other purpose.

How we use the information: IAIDEAS uses your information for the processing of monthly billing, and to provide you with better services. We use your information to help complete a transaction or order, to communicate with you, to provide service and support, to update you on services and benefits of our products. Credit card information is used only for payment processing and fraud prevention only and is not used for other purposes.

Data collection online may also be combined with information you provide through other sources such as product registration, call centers or public events such as trade shows or seminars.

Occasionally, we may also use your information to contact you for market research or to provide you with marketing information we think would be of particular interest. We will always provide you with the opportunity to opt-out of receiving communications from us. If you wish to be removed from our marketing list, visit our contact us page and submit the "Remove Us From Marketing List" form.

Who we share it with: IAIDEAS will not sell, rent or lease your personally identifiable information to others. IAIDEAS will not share your personal information with a business partner or any unrelated third-party company unless you specifically give your permission. IAIDEAS will never sell or share your client data with anyone. Captaloans and its parent, IAIDEAS, do not hold any ownership to client data nor do we collect data for sale to other vendors.

We protect the personal information you share with us. Access to your personal information is limited to authorized personnel. We do not otherwise share your personal information with third parties, unless we have your permission.

IAIDEAS may respond to subpoenas, court order, or legal process. We also may choose to establish or exercise our legal rights or defend against legal claims. IAIDEAS may also collect and share information in order to investigate, prevent or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of a person, violation of IAIDEAS' terms of use, or as otherwise required by law.

Choice: IAIDEAS will not use or share the personally identifiable information provided to us online in ways unrelated to the ways described above without offering you a choice. We will also provide you the opportunity to let us know if you wish to opt-out of partial or all contact from IAIDEAS and we will do everything we can to honor such requests. Please contact IAIDEAS for assistance.

Links to third-party web sites on IAIDEAS sites are provided solely as a convenience to you. If you use these links, you will leave the IAIDEAS site. IAIDEAS has not reviewed all of these third-party sites, does not control and is not responsible for any of these sites, their content or their privacy policies. Thus, IAIDEAS does not endorse or make any representations about them or any information, software or other products or materials found there or any results that may be obtained from using them. If you decide to access any of the third-party sites linked to this site you do so entirely at your own risk.

Onward Transfer: The personal information that you provide to IAIDEAS may be transferred within IAIDEAS and its subsidiaries and across state or country boarders. This may be done to consolidate data storage and simplify the management of customer information. Access & Accuracy: In an effort to keep your personal information accurate, please notify us of changes to your name, address, title, phone number or email address. We have included contact information for IAIDEAS to update your information. We may process or store your information in our IAIDEAS database.

The most effective way to view, update or remove your information is to return to the web page where you originally submitted your data and follow the instructions on that web page or send us a message as described in the section below "Contacting us". Data access is also available upon request.

Security: IAIDEAS is committed to ensuring the security of your information. To prevent unauthorized access or disclosure, maintain data accuracy and ensure the appropriate use of information, we have put in place appropriate physical, electronic and managerial procedures to safeguard and secure the information we collect from you online.

All credit card information is submitted online is protected using SSL encryption (the internet standard for secure transactions) or if you prefer, you can telephone or fax your card information to us. Your online order information and purchase history are protected by a password that you set. If you forget this password, we will first verify your identity then e-mail your password to the e-mail account you specified at the time of registration.

Enforcement: IAIDEAS privacy practices are self-certified to the U.S. Department of Commerce Safe Harbor Program. The Safe Harbor agreement governs the data protection requirements for the personal information of European Union citizens, should IAIDEAS transfer such information to the United States. For more information, please go to http://www.export.gov/safeharbor

Cookies: While you visit the IAIDEAS websites, we track your visit through the creation of a "temporary cookie". Cookies is a technology used to customize web site content to better meet your needs by storing and remembering your individual preferences. This enhances your experience by allowing us to deliver content specific to your interests and to recognize you when you return to our websites at another time. This is a standard industry practice used on most major web sites. Most browsers are originally configured to accept cookies but you can reset your browser to notify you when you have received a cookie giving you the chance to choose whether to accept it or not. You should understand however, that if you do disable cookies areas of some web sites will not function properly.

IP Addresses: We use your IP address as a security measure, to help diagnose problems with our server, and to administer our web site. This information is never disseminated to other parties for any reason. Updating, Reviewing, and Deleting Your Information: You can help IAIDEAS to maintain the accuracy of your information by notifying us of any change to your address, phone number, e-mail address or other information by updating your master account information online or by sending us an e-mail message at info@iaideas.com.

"Opting Out": If you would like to stop receiving information from IAIDEAS, you may notify us at any time by sending us an e-mail message. Please include your name, address (including country), and/or e-mail address when you contact us.

Questions or Concerns: IAIDEAS welcomes your questions and comments regarding this policy. If you believe that IAIDEAS has not adhered to this policy please notify us by e-mail at info@iaideas.com or in writing at IAIDEAS, Inc. 28202 Cabot Suite 650, Laguna Niguel, CA 92677. Attn: Customer Service/Privacy and we will use commercially reasonable efforts to identify and remedy the problem.

Changes to this Policy: We may from time to time update this policy. When we do so, we will post notice of any revisions on this site. We encourage you to review our privacy policy whenever you visit our web site.

Should we sell, merge or transfer any part of our business, part of the sale may include your personal information. If so, you will have the opportunity to ask not to receive promotional information following any change of control.

IAIDEAS and its division may exchange customer data to fulfill your requests or to provide you with information about other products or services. We offer you the opportunity to review privacy practices at our divisions' Web sites; please visit iaideas.com for additional information.

By using this site, you agree to the terms of IAIDEAS' on-line privacy policy. Please do not use this site if you do not agree to these terms.

Contests: IAIDEAS may offer contests that ask you to provide us with information regarding your personal or professional interests, demographics, and experience with our products or contact preferences. This information is used to help us improve the services which our site offers and is never sold or shared with other parties.

Contact Information: We value your comments and opinions. If you have comments or questions about our privacy policy or need help with your privacy choices please contact us at info@iaideas.com

Policy Updated:June 27, 2007