TERMS OF USE / PRIVACY POLICY

 

1. eWealth.com Privacy Policy

This Privacy Policy (“Policy”) discloses the practices of eWealth.com concerning personal information we obtain about you. By using any of eWealth.com’s websites, or using other services of eWealth.com (collectively the “Services”), you are accepting the practices described in this Policy. 
 
This Policy notifies you of: (a) what personal information of yours is collected when you access this website and/or use the Services; (b) how the information is collected; (c) how the information is used and shared; (d) our efforts to maintain the security of Sensitive Information; and (e) other details concerning your personal information and our policies.  
 
This Policy does not apply to the practices of companies that eWealth.com does not own or control, or to people that we do not employ or manage. Information contained in this Policy may be changed or updated without notice at any time.

 

2. Information Collection and Use

Information collected is stored in a single, secure database, accessible only by eWealth.com. eWealth.com collects information from our paying members (“Members”) or other persons who use, attempt to use, or access eWealth.com’s Services (“Users”):

  - Information that may be gathered online

      This Site may collect three types of information from users who visit the Site: (1) information gathered by analyzing page views and user navigation patterns, (2) information that users provide directly when they use any of our Services, and (3) information that users provide prior to uploading documents onto eWealth.com. We use page view and navigation information to ensure that users can find information on our web sites as quickly as possible. We use information collected when users upload documents to check their qualifications and verify their identity, as well as for billing purposes.

      Those users wishing to upload documents may be required to register or otherwise provide personal information. Certain other services may also require collecting personal information and/or registration. These services include, but are not limited to, subscribing to any of our mailing lists. If you choose not to register and provide personal information, you may not have access to those areas or products that require registration information.

 

  - Methods We Use for Gathering Information: Usage Tracking.

      eWealth.com analyzes user traffic patterns throughout its Sites. We do not attempt to identify individual visitors to our web sites, but we may collect data on general types of users based on domain name or browser type. This information is obtained directly from the user’s web browser identification information.

 

3. Our Services.

      When a user registers for certain services, the user may be asked to provide certain information, including, but not limited to, your name, address, zip code, telephone number, email address, credit card or checking account number, and credit card expiration date. Once you register with us, you are not anonymous to us.

 

4. Cookies  
 A cookie is a short line of text that is created by a web site and stored in a file on your computer. Cookies are used to store information about your preferences and activity during and after your visit to a web site. Cookies are also used widely in electronic commerce programs to keep track of which items a user has selected for purchase. Cookies cannot gather any information from your computer other than which you provide directly or that which is provided routinely by your browser software. Any user has the right and ability to refuse or delete cookies. However, such refusal or deletion may prevent the user from properly using the site’s cookie-dependent features.

 

3. Use of Information

Information we collect is generally used for the following purposes:

1. To build features that will make the services available on our site easier to use. This includes faster search requests, better member support and timely notice of new services and special offers.  
 

2. To improve our marketing and promotional efforts, to analyze site usage, improve our content and product offerings, and customize our sites content, layout, and services. These uses improve our Services and better tailor them to meet your needs.  
 

3. To resolve disputes, troubleshoot problems and enforce our Terms and Conditions of Use. At times, we may look across multiple members or users to identify problems or resolve disputes, and in particular we may examine your information to identify members using multiple Member Ids or aliases.  
 

4. Sharing of Information. Except as otherwise provided herein, the information we collect from you is shared with our marketing partners or other third parties. We may use the personal information that you supply to us and we may work with other third parties to bring selected retail opportunities to you via direct mail, email and telemarketing. eWealth.com may sell or rent aggregated statistical information and user, member or former member specific information, including name, address, telephone number and payment information, to our marketing partners or other third-parties. If you want eWealth.com to stop sharing information it has about you in the future, you may notify us of this fact by contacting eWealth.com’s Member Services department at webmaster AT ewealth.com.

We reserve the right to disclose personal information, including Sensitive Information, when we believe that such disclosure is appropriate to comply with the law or a request by a government official, to protect the rights or property of eWealth.com, or to enforce our Terms and Conditions of Use. In the event that eWealth.com or substantially all of its assets are acquired by a third party, member information and Sensitive Information may be some of the transferred assets.

 

4. Agents

We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from member lists, analyzing data, providing marketing assistance, processing credit card payments, and providing member services. They have access to personal and Sensitive Information needed to perform their functions, but may not use it for other purposes.

 

5. Special Offers and Announcements

We send all new members a welcoming email or other notification to verify password and username. Active members and former members will occasionally receive information on products, services, special deals, and a newsletter.

 

6. Security

eWealth.com takes every precaution to protect our users and members’ Sensitive Information, both online and offline. Your Sensitive Information is password-protected for your privacy and security.  
 
Sensitive Information is also protected offline in our offices. Only employees who need the information to perform a specific job (for example, a billing clerk or member services representative) are granted access to Sensitive Information. Furthermore, all employees are kept up-to-date on our security practices and changes in those practices. Finally, the servers that we store Sensitive Information on are kept in a secure environment. If you have any questions about the security at our website, you can send an email to webmaster AT ewealth.com.

Every User who has an account on this Site is responsible for (i) keeping his or her account password confidential and secured, (ii) restricting access to his or her computer; and (iii) keeping the e-mail address associated with that account current.

 

7. Other Sites

eWealth.com forwards users and members to other sites. Please be aware that this website and eWealth.com may not be responsible for the business and privacy practices of these other sites. We encourage you to be aware of this when you leave our site and to read the legal notices and privacy policies of each and every website you visit.

 

8. Correction/Updating Personal Information

If a Members’ personal information changes we will endeavor to provide a way to correct or update that members personal data provided to us. This can usually be done by contacting our Member Services Department at webmaster AT ewealth.com.

 

9. Notification of Changes

If we decide to change our Policy, we will post these changes on this website or provide other notification of our revised Policy so our users and members are always aware of what information we collect, how we use it, and when we disclose it.

 

10. Childrens Online Privacy Protection

This website serves general users of the World Wide Web. This Site is intended for adult or adult supervised use. We support and comply with the Childrens Online Protection Act (COPPA) and we do not knowingly collect information from children under the age of 13, nor do we share such information with third parties. UNDER NO CIRCUMSTANCES ARE PERSONS 13 YEARS OF AGE OR YOUNGER PERMITTED TO SUBMIT CONTACT, DEMOGRAPHIC OR BILLING INFORMATION. Children under the age of 18 may use this website only with the involvement of a parent or guardian.

 

11. eWealth.com Terms and Conditions of Use

 

12. Acceptance of Terms of Use

The terms and conditions stated below, along with the policies and guidelines located throughout this Site (collectively herein the “Terms of Use”) govern your use of this Site (“Site"). This Site is devoted to providing an Internet marketing forum. Users can post and view information in an online forum. This is the sole purpose of this Site (the “Purpose”). By visiting any area on this Site you are deemed to have accepted the Terms of Use.

These Terms and Conditions of Purchase and Use ("Terms") are between eWealth.com and "you", the person using eWealth.com’s materials, web site and Member Services department ("Our Services"). By using Our Services you accept the Terms. 
 
We occasionally change these Terms. Refer to this website for changes.

 

13. Terms of Purchase

The day you order our Services marks the beginning of your ability to access Our Services.  
 
At the time you ordered you may have been offered a continuity or a fixed term membership. If you ordered a continuity membership the membership fee is for Our Services during the period stated to you at the time of purchase and is not refundable. Every month until you cancel, your membership fee, or its monthly equivalent, will be automatically billed to your credit card (or debited from your checking account, if you authorized that option). You can cancel your continuity membership at any point and have no further obligation. Cancellations must be done by telephone. Please call us at [insert contact info]. 
 
If you used a credit card you may be subject to a preauthorization at the time you order. The preauthorization is not a charge to the credit card. However, the then applicable charge may be reserved against your available credit card limit. Contact your credit card issuing financial institution for details. 
 

14. Privacy Policy

Registration, membership and certain other information about you is subject to our Privacy Policy. For more information, see our full Privacy Policy.

 

15. Limitations

Membership is limited to individuals 18 years and older.  
 
Your membership is solely for personal use. You agree that you will not provide access to Our Services to non-members through your account, and that you are fully responsible for all activities under your password or account. eWealth.com will not be liable for any loss or damage arising from such activities, and reserves the right to terminate your access to Our Services, with or without notice.

 

16. Access and Interface

By accessing this website for Our Services or for any other reason, you agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy the web pages or the content contained herein without our prior written consent. You further agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of this website.

 

17. Use of Information and Ideas Submitted

You hereby acknowledge and agree that eWealth.com is free to use any comments, information, ideas, concepts, reviews, techniques or other information contained in any communication you may send to eWealth.com or may have with an eWealth.com representative (the "Ideas"), and eWealth.com shall have no obligation to compensate you in any way for the Ideas, even if the Ideas are used by eWealth.com for commercial purposes, including use by eWealth.com for developing, manufacturing and marketing products and creating, modifying or improving the eWealth.com or other products, services or Websites affiliated with the eWealth.com. Furthermore, by posting or displaying any such Ideas on our site, you hereby grant to us a nonexclusive, royalty-free license to display, use, reproduce or modify the Ideas.

There may be links on this Site that will permit you to travel to other, third-party sites over which eWealth.com has no control. eWealth.com makes no representations whatsoever about the content of any of these other web sites, or about any of the links contained in the web sites which you may access through this Site. eWealth.com does not endorse or accept any responsibility for the content, or use, of any such linked web sites.

 

18. No Resale of Our Services

You agree not to access, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of our Services.

 

19. Disclaimer of Warranties

eWealth.com is a provider of an Internet marketing forum. eWealth.com does not create, verify, or guarantee the accuracy of such data; rather, eWealth.com receives its information from various sources, including Internet sites. It is not necessarily affiliated with or endorsed by these sources, or compensated by them. All materials and information available through Our Services are provided "as is" and "as available", and without warranties of any kind, express or implied. 
 
We do not warrant that the information is always accurate, complete or current; that access to it will be available all the time, from every place, or that errors will be corrected. eWealth.com disclaims any responsibility and any warranties for sales, purchases, financing or other types of transactions involving products and services on which Our Services provide information. Your use of Our Services is solely at your own risk. 
 

THE MATERIALS ON THIS SITE ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT POSSIBLE PURSUANT TO THE APPLICABLE LAW, EWEALTH.COM DISCLAIMS ALL WARRANTIES, EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR OTHER VIOLATION OF RIGHTS. EWEALTH.COM DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE, VALIDITY, ACCURACY, OR RELIABILITY OF, OR THE RESULTS OF THE USE OF, OR OTHERWISE RESPECTING, THE MATERIALS ON THIS SITE OR ANY SITES LINKED TO THIS SITE. 
 

20. Limitation of Liability

IN NO EVENT WILL EWEALTH.COM BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF THIS SITE, OR ON ANY OTHER HYPER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM OR OTHERWISE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages; In such jurisdictions eWealth.com’s liability shall be limited to the extent permitted by law.

 

21. Indemnification

You understand and agree that you are personally responsible for your behavior on the Site. You agree to indemnify, defend and hold harmless eWealth.com, its parent companies, subsidiaries, affiliated companies, joint ventures, business partners, licensors, employees, agents, and any third-party information providers from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and attorneys’ fees, resulting from or arising out of your use, misuse, or inability to use the Site, or the Content, or any violation by you of this Agreement.

 

22. eWealth.com’s Proprietary Rights

You acknowledge and agree that Our Services and any necessary software used in connection with Our Services contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content presented to you through Our Services is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by eWealth.com, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on Our Services or the Software, in whole or in part. 
 
 

23. Copyright

All content included on this site, such as text, graphics, logos, button icons, images, and audio clips, digital downloads, data compilations, and software, is the property of eWealth.com, its content suppliers and/or other content providers and is protected by United States and international copyright laws. The compilation of all Content on this site is the exclusive property of eWealth.com and protected by U.S. and international copyright laws. All Software used on this site is the property of eWealth.com or its software suppliers and protected by United States and international copyright laws.

 

24. Trademarks

You are prohibited from using any of the marks or logos appearing throughout the Site without permission from the trademark owner, except as permitted by applicable law eWealth.com graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of eWealth.com or its affiliates and/or subsidiaries. eWealth.com's trademarks and trade dress may not be used in connection with any product or service that is not eWealth.coms, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits eWealth.com. All other trademarks not owned by eWealth.com, its affiliates or its subsidiaries that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by eWealth.com, its affiliates or its subsidiaries.

 

25. User Supplied Information

eWealth.com does not want to receive confidential or proprietary information from you to be posted on the Site. You agree that any material, information, or data you transmit to us or post to the Site will be considered non-confidential and non-proprietary. If you supply or post any information or material to the Site, you guarantee to us that you have the legal right to post such material and that it will not violate any law or the rights of any person or entity. By posting material on the Site, you grant eWealth.com a royalty-free, irrevocable, perpetual, worldwide right to use, distribute and display this material, in any and all media, in any manner, in whole or in part, without any restriction or responsibilities to you.

 

26. Third Party Content

By submitting Content on this Site, you automatically grant, or represent and warrant that the owner or authorized licensor of such Content has expressly granted eWealth.com, the royalty-free, perpetual, irrevocable, right and license to use, reproduce, publish, translate, sublicense, copy, and distribute the Content in whole or in part worldwide and/or to incorporate such Content in other works in any form, media, or technology now known or hereafter developed for the full term of any copyright that may exist in such Content. Subject to this grant, the licensor of Content submitted to eWealth.com retains any and all rights which may exist in such Content. Any opinions, advice, statements, services, offers, or other information that constitutes part of Content expressed or made available by third parties are those of the respective authors or distributors and not of eWealth.com, unless expressly stated otherwise. eWealth.com does not make any representation, warranty or guarantee on the accuracy, completeness, or usefulness of any third party Content unless otherwise expressly stated. Under no circumstance shall eWealth.com be liable for any loss, damage or harm caused by a User’s reliance on information obtained through the eWealth.com Site. It is the responsibility of User to evaluate the accuracy, completeness or usefulness of the information, opinion, advice, or Content available through the eWealth.com Site.

This Site may include bulletin boards, chat rooms, or other interactive areas where users can communicate with eWealth.com and other users. eWealth.com does not control the messages, files, or other information posted by users. eWealth.com reserves the right to remove or decline to post any material as determined by the sole discretion of eWealth.com. As a condition of use of any interactive area of the eWealth.com Site, the users agree that they will not:

• Interfere in any way with the use and enjoyment of the interactive area of any other user;

• Post or transmit any unlawful, threatening, harassing, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent material of any kind including without limitation any transmission constituting or encouraging conduct which would give rise to criminal or civil liability or violate the laws of local, state, national, or foreign governments;

• Post or transmit any information or material which violates or infringes upon the rights of others, including privacy or publicity rights or is protected by copyright, trademark, patent or other proprietary rights and derivative works thereof; 

• Post or transmit any information or material that contains a virus or harmful component;

• Post or transmit any information that has a commercial, advertising, promotional or marketing purpose.

Any violation of the conditions of use will result in removal of the offending material and termination of user privileges. Upon notice to eWealth.com from any third party that information or material posted by users constitutes an infringement of property rights or other unlawful condition, eWealth.com will act to remove or block access to the offending material and terminate the privileges of the posting party. 

 

27. Third Party Intellectual Property Protection

eWealth.com complies with the provisions of the Digital Millennium Copyright Act (DMCA). The owner or the person entitled to enforce a copyright may notify eWealth.com of any violation of copyright on the eWealth.com site by sending a notice containing the following information:

• Identification of what is being infringed

• Contact information

• A statement of good faith belief that the material is infringing

• A statement made under threat of perjury that the information provided is accurate and the complaint is authorized by the copyright holder

Send the notice to:

infringement AT ewealth.com

Please note that this procedure is solely for notifying eWealth.com that copyrighted material has been infringed. THIS POLICY IS INTENDED TO COMPLY FULLY WITH THE REQUIREMENTS OF THE ONLINE COPYRIGHT INFRINGEMENT LIABILITY LIMITATION ACT.

 

28. Special Admonitions for International Use

Recognizing the global nature of the Internet, you agree to comply with all local, national and international rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

 

29. Choice of Law and Forum

Any action related to these Terms will be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts and controlling U.S. federal law. No choice of law rules of any jurisdiction will apply. You agree that any legal proceeding arising out of or in connection with these Terms shall be brought in a state or federal court in Massachusetts, and hereby waive any jurisdictional or venue defenses otherwise available to you.

 

30. Severability and Integration

Unless otherwise specified herein, these Terms of Use and the Privacy Policy constitute the entire agreement between you and eWealth.com and its affiliates with respect to this site and our services and supersedes all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and eWealth.com. If any part of these Terms of Use or the Privacy Policy is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

 

31. Parties in Interest

Nothing in these Terms of Use is intended to confer any rights or remedies under or by reason of these Terms of Use on any persons other than the parties to these Terms of Use.

 

32. Notice

Notices to you may be made via either e-mail or regular mail. Our Services may also provide notices of changes to the Terms of Use or other matters by displaying notices (or links to notices) generally on Our Services.

 

33. Disclaimer regarding Content

eWealth.com cannot and does not guarantee that the information in the Services is accurate, reliable, current, complete or appropriate for your needs. Certain information accessible through the Services may be provided by users of the Services or by parties with whom eWealth.com has no relationship. Other information that eWealth.com obtains from third parties, such as the New York Stock Exchange, NASDAQ, New York Mercantile Exchange and Dow Jones (collectively, the “Data Providers”), is obtained from sources believed to be reliable, however, such information is never the most current available and has a minimum reporting delay of 20 minutes. Nevertheless, due to various factors, including the inherent possibility of human and mechanical error, the accuracy, completeness, timeliness, results obtained from use or correct sequencing of the information in the Services is not and cannot be guaranteed by eWealth.com or by any persons creating or transmitting such information.

 

34. No Advice or Solicitation

The Site and Services are for informational purposes only and should not be used or construed as an offer to sell, a solicitation of an offer to buy, or an endorsement, recommendation or sponsorship of any company or security by eWealth.com, its affiliates, officers, directors, employees or agents. You acknowledge and agree that neither the Site nor any of the Services is intended to supply investment or financial advice. eWealth.com offers no advice regarding the nature, potential value, or suitability or any particular security, transaction, investment or investment strategy. You acknowledge and agree that the use of the Site and Services, and any decisions made in reliance upon the Site and Services, are made at your own risk.