Privacy Policy

Privacy Policy

Last Updated: November 5, 2008

Vilkri, Inc. (sometimes referred to herein as the "Company") in developing this Privacy Policy demonstrates its commitment to protecting your privacy. As a user, including any subscriber, of www.moneyobedience.com (the "Website") provided by Vilkri, Inc., this Privacy Policy describes for you:

We encourage you to read this Privacy Policy carefully when using our Website and the information and materials contained on it (together, the "Materials') or otherwise transacting business with us. By using our Website, you are accepting the practices described in this Privacy Policy. If you have any questions about our privacy practices, please refer to information on how to contact us.

INFORMATION WE COLLECT ABOUT YOU

In General. You do not have to provide personal information to use this Website and the Materials. However, in order to use the subscription features of this Website and the Materials, you will be required to provide certain information to us. You will also be required to provide certain information to us in order to receive mailings from us. The type and volume of personal information you will need to provide will depend on the service or information you are requesting. Any personal information you provide to us will be used to respond to your inquiries and to send you publications or other information that you request or will otherwise be used in conjunction with your subscription. In connection with payment for your subscription, your financial information will go directly to PayPal (www.paypal.com) for payment processing of your order. The information you supply will be used by the Company only for the purposes for which it was collected, except as provided in this Privacy Policy.

Information you provide. We may collect and store any personal information you enter on our Website or provide to us in some other manner. This includes limited user identifying information (such as your name (which could be any name you provide, real or fictitious) and your e-mail address; information about the value of the home or prospective home; your financial information, such as your income, assets, or debts; and personal information, such as your gender and age.

Credit card and other billing information is not collected by us, but rather through PayPal (www.paypal.com).

Web Beacons and Cookies. The web server used to host this Website may automatically collect certain information from you incidental to your use of this Website and the Materials, such as the name of your Internet service provider; the IP address of the computer you use; the type of browser software and operating system that you use; the date and time you access this Website; the website address, if any, from which you linked directly to this Website; the website address, if any, to which you travel from this Website; and other similar navigation-related information. This information may be used in the aggregate to assist the Company in understanding the Company's visitors' navigation patterns and in improving the Website.

Please note that your IP address and access information may be used by us in the event of your inappropriate conduct in connection with your use of the Website and Materials and our products and services.

We may use standard Internet technology such as "web beacons" to track your use of our Website. We may also include technologies such as web beacons in advertisements or promotions or in email messages to determine whether messages have been opened and acted upon. The information we obtain in this manner may enable us to customize the services we offer our users to deliver targeted advertisements and to measure the overall effectiveness of our online advertising and service features.

Additionally, the Website may utilize so-called "cookies" to provide more detailed information about your Website usage and to provide convenience features to you when you return for repeated visits, which should facilitate access to our Website and personalize your online experience. All information stored in any cookie would be stored on your computer and only available to this Website when you are visiting it. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our Website.

Third Party Advertising

Ads appearing on this Website may be delivered to users by one of our advertisers. Our advertisers may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement. In this way, ad servers may compile information about where you are, or others who are using your computer, saw their advertisements and determine which ads are clicked on. This information allows an ad network to deliver targeted advertisement that are believed to be of most interest to you. This Privacy Policy does not cover the use of cookies by any advertisers.

HOW WE USE THE INFORMATION WE COLLECT

Any personal information you provide to us will be used to deliver the products and services that you have requested; manage your customer relationship and provide you with customer support; perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others; enforce our terms and conditions; manage our business; respond to your inquiries; and to send you information that you request and other information that may be applicable to your usage of this Website and the Materials. The information you supply will be used by the Company only for the purposes for which it was collected, except as provided in this Privacy Policy.

The Company does not generally disclose information about you collected through your use of this Website to third parties. However, there are some instances in which we may share your personal information with third parties (such as PayPal (www.paypal.com), our third party payment processing company), should you charge any products or services, including, but not limited to, a subscription, you receive through this Website to a credit card or otherwise pay for such services through a third party. Please refer to the paragraph below headed Sharing Your Personal Information With Others to learn more about how we may share your personal information with others.

Except as expressly set forth in this Privacy Policy, the Company shall not be required to keep information and content you submit to us confidential in respect of other members, except for your full name, specific street address, your telephone and mobile numbers, and your personal email address. Notwithstanding the foregoing, if you include your full name, your specific street address, your telephone and mobile numbers, or your personal email address in any public posting to or through the Website, such restrictions will not apply.

SHARING YOUR PERSONAL INFORMATION WITH OTHERS

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our Website or while using our services. We do not share your personal information with others except as indicated below.

We may share your information with third parties, such as licensors, licensees and sublicensees, and any third party payment processors such as PayPal (www.paypal.com), only in accordance with our legal and contractual arrangements with such third parties. Such third parties have their own privacy policies, over which we have no control; we are not responsible or liable for any of their actions or omissions.

In addition, we may share aggregated information of our users with advisors, advertisers and investors for the purpose of conducting general business analyses. These third parties also have their own privacy policies, over which we have no control; we are not responsible or liable for any of their actions or omissions.

Any third party who contacts you will need to be instructed directly by you regarding your preferences for the use of your personal information by them. For more information on PayPal's privacy policy, visit www.paypal.com.

We also may disclose your personal information to our parents, subsidiaries and affiliates. All of our parents, subsidiaries and affiliates and any of their successors and assigns that receive your personal information from us will comply with the terms of this Privacy Policy with respect to their use and disclosure of such information, except as may be required by law. In addition, the Company reserves the right to provide such information to the Company's officers, managers, employees, independent contractors, agents and representatives to the extent necessary to enable them to perform, on the Company's behalf, certain Website-related services, including, but not limited to, web hosting and maintenance services.

The Company reserves the right to disclose your personal information to any third party, if the Company believes that it is required to do so for any or all of the following reasons:

(i) to comply with any law; (ii) to comply with legal processes or governmental requests, including, but not limited to, in response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; (iii) to prevent, investigate, detect or prosecute criminal offences, suspected fraud or other wrongdoing or attacks on the technical integrity of the Website or any network utilized by the Company; (iv) in any lawsuit between you and the Company; (v) to establish or exercise our legal rights, including, but not limited to, enforcement of the User Agreement; (vi) to protect the rights, property or safety of the users of this Website, our officers, managers, employees and independent contractors, agents and representatives or the public; (vii) to defend against legal claims brought by third parties; and/or (viii) in connection with a significant business transaction, such as the sale of the Company or its assets or in the unlikely event of a receivership or bankruptcy. In any legal matter, we may raise or waive any legal objection or right available to us.

Your personal information may be shared with, or transferred to, a third party in the event of a transfer of ownership or assets of the Company or the Company's bankruptcy.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

You can choose not to provide us with certain information, but that may result in your being unable to use certain features of our website because such information may be required in order for you to obtain services from Vilkri, Inc.

When you initially use our website, you will be given a choice as to whether you want to receive e-mail messages or newsletters from Vilkri, Inc. You may later modify your choice by contacting us. Please refer to the Section entitled Changing Or Deleting Your Personal Information.

CHANGING OR DELETING YOUR PERSONAL INFORMATION

If you would like to change your personal information, subject to the provisions contained in this Privacy Policy, please write to us at and put in the subject line: "Change My Personal Info". Certain personal information may be changed by you directly in your profile, if you have a membership by visiting "My Account" and implementing any desired changes there. For persons on the mailing list only, you will need to write to us to make changes to your personal information.

Please note that removal from our active database may not result in complete removal of your information from our systems, as we reserve the right to preserve your information for any lawful purpose. We may retain certain information associated with your account for analytical purposes and recordkeeping integrity, as well as to prevent fraud, collect any fees owed, enforce our User Agreement, take actions we deem necessary to protect the integrity of the Website, protect our users or take other actions as permitted by law.

Please also note that removal from our active database will not automatically result in removal of your information from any of our third party payment processors' databases or any third party's product or service that you may have accessed through this Website. To remove information from a third party's database, you will need to contact such third party directly. To remove information from PayPal's databases, you will need to contact PayPal directly; visit www.paypal.com for more information.

HOW WE PROTECT YOUR PERSONAL INFORMATION

The Website has implemented commercially reasonable security measures (including physical, electronic and procedural measures) in place to help safeguard your personal information from unauthorized access and disclosure and to protect against the loss, misuse and alteration of the information under our control. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. In addition, we use encryption in the transmission of certain sensitive personal information between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your personal information.

We want you to feel confident using our Website. However, no system can be completely secure. Although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information.

You are solely responsible for any and all activities that occur under your username and password, if you choose to become a subscriber. You should use caution when accessing your account from a public or shared computer or over an unsecure wireless network so that others are not able to view or record your password or other personal information. If you share your computer with others, you may wish to consider disabling any automatic sign-in features that may be available through this Website, through Windows or otherwise. For more information on the security of your account, please refer to the section of our User Agreement entitled Account Access And Security.

We do not directly collect or store your payment information on our servers. During the payment process, PayPal collects that information and stores it according to its policies. Visit www.paypal.com for more information on PayPal's security measures.

Please note that the technical processing and transmission of your personal information may involve transmissions over various networks and changes to conform and adapt to the technical requirements of connecting networks or devices. Your personal information may be transferred to, and maintained on, computer networks located outside of the state, province, country or other jurisdiction in which you reside, and the jurisdiction in which these computer networks are located may not have privacy laws as protective as the laws in your jurisdiction.

Please note that any third parties or their servers may be located either inside or outside the United States.

The Company intends to only operate for jurisdictional purposes within the United States. When you utilize this Website and the Materials, you agree that, for all purposes connected with this Website and the Materials, you are interacting with a United States company only. Please refer to the User Agreement for more information on the application of United States law to the Company's activities, including, but not limited to, providing the Website and Materials to you.

CONSENT TO ELECTRONIC COMMUNICATIONS

Vilkri, Inc. may be required by law to send Communications to you that may pertain to the Website and Materials and the products and services you choose. You agree that we may send Communications to you by email. You consent to receive these Communications electronically. The term "Communications" in this Section means any notice, record, agreement or other type of information that is made available to you or received from you in connection with the Website and Materials and the products and services you choose to receive from us.

MINORS' PRIVACY

Notwithstanding anything to the contrary, you must be 18 years of age or older to use this Website.

We are committed to protecting the privacy of minors. For that reason, we will not knowingly collect on-line or off-line contact information from minors without prior parental consent or parental notification ("Parental Involvement"). Such Parental Involvement would include an opportunity for the parent to prevent use of the information sent to us by the minor and the minor's participation in the activity.

We will not knowingly lure, by the prospect of a special game, prize or other activity, any minor to divulge information to us. We will not knowingly distribute to third parties any minor's personally identifiable information, without prior Parental Involvement. We also will not knowingly provide minors with the ability to publicly post or distribute on this Website, or through the Company otherwise, personally identifiable contact information without prior Parental Involvement. Note that, without prior Parental Involvement, any on-line or off-line information we receive from someone we know to be a minor will only be used to respond directly to the minor's request and will not be used for other purposes without prior Parental Involvement. Please read our User Agreement for more information.

PayPal may have its own policies relating to collecting information from minors. For more information on PayPal's policies on transacting business with minors, visit www.paypal.com.

LINKS TO OTHER WEBSITES

This Website contains links to other websites. The Company is not and cannot be responsible for the privacy practices of such other websites that it links to but does not own or operate, including, but not limited to, any of the websites accessible through advertisements on our Website. The websites to which the Company may link that are owned or operated by the Company or any of its affiliates and those owned or operated by third parties have separate and distinct privacy policies from this Website. The Company encourages you to read the privacy statements of all the destination websites which you visit for information on how your personal data is utilized by those other websites. The Privacy Policy reflected here applies solely to the information which the Company collects through this Website. PayPal maintains its own privacy policy; please visit www.paypal.com for information concerning PayPal's privacy policy.

HOW TO CONTACT US

If you have any questions about his Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties, please contact us by e-mail or postal mail as follows:

Privacy Officer
Vilkri, Inc.
52 Glen Road
Woodcliff Lake, NJ 07677
(888) VILKRI7 OR (888) 845-5747

REVISIONS TO THE PRIVACY POLICY

The Internet and the technology used to access it are constantly changing and improving. The manner in which people use the Internet and the laws surrounding such use are also changing. The Company reserves the right to create and add features to this Website designed to elicit information from visitors to the Website and to update and revise this Privacy Policy at any time. You can determine if this Privacy Policy has been revised by referring to the "Last Updated" date at the top of this page, or if you write to us at and put in the subject line "Privacy Policy Revisions", the Company will inform you by email each time the Privacy Policy is updated.

If we make material changes to this Privacy Policy, we will notify you by means of a notice on our home page that will be posted for at least thirty (30) consecutive days, and we will notify you of such material changes by email by sending an e-mail to the e-mail address we have on file for you, if any.

Please note that we will not notify you of any updates or revisions to the privacy policies for any other website we or our affiliates may operate or of any updates or revisions to any third party's privacy policy, including, but not limited to PayPal's policies (www.paypal.com).

Your use of this Website and the Materials and the Company's products and services constitutes your acceptance of the manner in which the Company collects and uses your personal data and the terms of the Privacy Policy as amended or revised by the Company. The Company recommends that you review this Privacy Policy for any updates to it.

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