At Debt-Proof Living we recognize and respect the importance of maintaining the privacy of our customers and the users of our website. Below we describe why we gather customer information, what information we collect, how we collect it, what we use the information for and how you can instruct us if you prefer to limit the use or disclosure of that information. We maintain very strict privacy and security standards for our customers that were created to protect your personal information.  We apply the same rules to former customers as current customers.

We require all of our customers to log in to our website before they are permitted to gain access to their account information. You must enter your unique Debt-Proof Living username and enter your personal password in order to log in to our website. Ultimately, you are responsible for keeping your password secret, which means that you should not tell anyone what your password is. We recommend that you change your password regularly by going, at anytime, to the My Account page and entering a new password.

Why do we gather information?

We gather personal information about you to allow us to process your orders, to provide an enhanced and personalized experience, to contact you from time to time regarding products and services that might be of interest to you and to provide you with information about us.

What types of personal information do we gather?

We collect nonpublic personal information about you from the following sources: (i) the member forms that you complete with Debt-Proof Living for any of our services, including Debt-Proof Living Online, or by ordering any books and/or products from our bookstore, and other products and promotions that we may offer from time to time; (ii) any information you enter on our website or give to us in any other way, including information about your transactions and experiences with us, and (iii) information that is collected when you interact with us, such as information gathered through the use of "cookies" and other electronic collection or identifying devices.

How we use or disclose information we collect about you:

Debt-Proof Living does not disclose any nonpublic personal information about you or any of our former customers to anyone, except as permitted by law.  We limit the collection and use of your information to the minimum we require to deliver our services to you, including advising you about our products and services in connection with administering our customers.

Debt-Proof Living may provide aggregate statistics about our customers, traffic patterns, and related site information to outside parties (i.e., third party partners, industry analysts or the media); however, these statistics will not include personally identifiable information or account information about any of our individual customers.

We may disclose some or all of the information we collect (as described in the preceding paragraphs) to third parties to provide functions on our behalf, such as marketing services, maintaining and servicing your account or maintaining our website. Other examples of the work they may be doing for us include fulfilling orders, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, and providing customer service. These third parties have access to personal information needed to perform their functions, but may not use it for other purposes.

In addition, as we continue to develop our business, we might sell, buy, transfer, exchange, or merge all or a portion of a business or an operating unit.  In such proposed or actual transactions, nonpublic personal customer information may be shared and may be one of the transferred business assets.

How we use "cookies" and other electronic devices.

A "cookie" is a small file stored on your computer by a website which gives you a numeric user ID and stores certain information about your activity on the site. We use cookies and other electronic devices to establish a user session and monitor certain usage while you are on our site. Your usage is tracked primarily so that we can (i) if necessary, modify the website according to your usage to make the information you are looking for easier to find in the future,  (ii)  maintain sufficient hardware, software and personnel to provide you with a high level of service, and (iii) let third parties know about certain usage on our site. The cookies and electronic devices passed to you are seamless, do not reveal your personal identity, will not follow you as you surf on to other websites. The electronic devices may allow third parties to identify your usage on our website with your consent to accrue or recognize incentives or bonuses provided by the third parties to you in connection with your activity on our website. Most web browsers automatically accept cookies, but most allow you to instruct your browser to prevent the use of cookies. However, if you disable this feature, certain aspects of our website may not function properly.

Will Debt-Proof Living Use Your Information for Direct Mailings?

When you become a subscriber or register with Debt-Proof Living, you are automatically "opted-in" to receive mailings or e-mails from us relating to (1) our Newsletter, (2) new features and/or services and (3) articles on our website.  Only Debt-Proof Living (or people working on our behalf and under confidentiality agreements) will send you these offers and mailings.

If you do not want to receive such offers and mailings, you can let us know by clicking the "no" buttons on our registration page. You can also change your last choice on the "My Account" page after each time you have logged-in to your account. We will remove your name from our lists as promptly as we can.

Security

We restrict access to personal information about you to those employees who use the information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to guard your personal information. For example, we use secure server software when you place orders or access your account information, as well as fire walls and secure socket layers, when appropriate. However, “perfect security” does not exist on the Internet and you should take necessary precautions to protect your information.

Your Account Information; Corrections

To view your account information; you must first login.

If you would like to update or correct information previously provided to us, please go to the My Account page at any time to change your e-mail and/or home address and password.

Links to Third Party Sites

If you choose to click on certain links on this website, you may link to third party websites. The linked sites are not under the control of Debt-Proof Living, and Debt-Proof Living is not responsible for the contents of any linked site or any link contained in a site. These links are provided for your convenience in accessing other sites that may be of interest to you, and the inclusion of any link does not imply endorsement by Debt-Proof Living of any such linked site or its contents. Any opinions or recommendations expressed on such sites are solely those of the providers of such websites and are not the opinions or recommendations of Debt-Proof Living. If you decide to access any third party sites linked to or from our website, you do so entirely at your own risk. You should note that the privacy policy of the third party will govern the use of the information that you provide to that party and the use of that party’s website. Of course, our privacy policy no longer applies to the information that you provide to the third party or the use of that party’s website while you are on that party’s website.

Your Consent and Changes to this Policy

Subject to the above provisions, by using our website, you acknowledge that this privacy policy is part of our Copyright and Other Legal Terms Agreement and you agree to be bound by all of its terms and conditions. If we decide to change our privacy policy, we will post those changes on this page and changes will become effective upon posting.

If you have any questions regarding our Privacy Policy, please contact us in writing at: Customer Service, Debt-Proof Living, PO Box 2135, Paramount, Ca 90723 or via the Internet at: service@debtproofliving.com.