updated: January 2008
regarding how we collect, use, and disclose personal
information provided to us when you visit us online
at www.SayPlanning.com and our affiliated web
sites within the SayPlanning.com network.
Items you would like to know about our privacy
policy governing our Internet sites:
We Collect Information
We use various tools in order to service your
needs while visiting our Internet sites at www.SayPlanning.com
and its related network.
We use these tools to
process your requests, improve our web site offerings
and navigation, respond to questions, and personalize
your online needs. Some of the tools that we may
Web Site Tracking Software
Our web servers utilize a tracking software
to capture your domain name address (the address
of your Internet service provider, not your
email address) for purposes of tracking web
Note that we never collect
information about you unless you voluntarily
provide that information through an interview
request form, or some other sponsored web site
activity. The capture of your domain name is
a common practice among all web sites for measuring
the number of hits, pages visited, and length
of user session.
We use this information to
measure the effectiveness of our web site offerings
in order to service you better.
A Cookie is a bit of text code that we may develop
from time-to-time and store on your computer hard drive. It helps
us to identify your computer when you visit
us again. An example of an assigned Cookie is
when you register for a contest or other web
After your register with our
site for the first time, we assign a Cookie
to your hard drive so that upon returning to
our web site, we identify you as a registered
user and link you directly to the page for registered
users. The Cookie prevents you from having to
reregister each time you visit our site.
The cookie is uniquely yours, and it can only
be read by the web site that issued the cookie.
Cookies cannot be used to collect information
from your computer. Some cookies we may use
are temporary, meaning that they expire once
you close your browser.
Some cookies we may
issue are permanent, meaning they remain on
your computer so that when you return to our
site, we can identify your computer as a previous
user and customize your unique web experience.
Cookies can be deleted from your hard drive
at any time. If you delete our cookie from your
hard drive and then visit our site again, you
will be treated as a first-time visitor since
we will not be able to identify your computer.
Current browsers allow you to accept or reject
certain cookies based on the Platform for Privacy
Preferences ("P3P"). Through enhanced
browser settings, users can manage cookies and
interactions with P3P-enabled web sites.
are limitations to P3P, which can restrict your
full Internet experience. We have therefore
chose not to implement P3P-enabled privacy at
this time. Therefore you may receive privacy
alert messages when visiting our site if you
are using an enabled P3P-enabled browser. Please
note that we are committed in providing the
highest standards of privacy as outlined in
this privacy statement.
Online Interview Forms
We post on our servers online interview forms that allow
you to enter into a service agreement with companies that have marketing agreements with SayPlanning.com.
These online interview forms are secured behind
state-of-the-art technology that protects all
information that you submit.
the information you submit is voluntary, but
it will be required if you request companies that have partnered with SayPlanning.com
to perform a service for you. The interview
forms may request yours and your co-borrowers name,
address, social security number, and other personal,
financial, and contact information.
The information that you provide to us through
the interview process is posted and delivered to the lender(s)
that have been authorized to receive your information.
These lenders may contact you directly via phone,
e-mail or other communications.
may store and use your information at their
discretion. Please request a copy of lender's
by the lender(s).
Note: The information that you submit will not be stored on our servers of any kind. All information submitted will be posted and delivered to the lender(s) that have marketing agreements with SayPlanning.com. We do store or collect any information that have been submitted by these online interview forms.
You may supply us your email address that authorizes
- contact you either by phone and/or by email
- provide information during the interview
process on steps to complete your interview
- inform you about new product services and
product enhancements that may be of interest
- update you on all other information that
may require your attention
Email addresses or other contact information
will not be sold to or used by third-party marketing
At times we may sponsor online surveys or other
data profile collections to measure our performance
or product offerings. All surveys are strictly
voluntary and are not required to visit or use
other areas of our site or to enter into a transaction
Some of our online surveys may be marketing
oriented surveys, collecting information about
your likes, dislikes, purchasing habits, and
web site activities. This information helps
us deliver content and activities that are customized
and relevant to your preferences. This information
may be made available to our corporate sponsors
in varying degrees of complexity.
At times, we may make chat rooms, forums, message
boards, and/or news groups available to our
web site visitors. Again, your participation
in these activities are strictly voluntary.
You may choose to provide information to participate
in these activities. Please be aware that any
information that you disclose in these areas
becomes public information, so you should exercise
caution in disclosing personal information.
Information from Minors
We understand that the use of minors of the
Internet cannot be controlled by us. Minors
may visit our site and attempt to enter into
a transaction by submitting information or participating
in some online activity.
We understand that
children have unique privacy needs. Therefore,
we will not collect without verifiable parental
consent any information from children we know
to be under 18 years of age, nor will we send
them any direct e-mail offers.
Secure and Protect Information Submitted by You
Personal information that you submit to us that
includes your social security number and other
identity information will be behind our secured
In order to submit your information,
you must use Secured Socket Layer (SSL) enabled
browsers. This ensures that the information you
submit through our secured firewalls will be protected
from unauthorized use.
In addition, we contract with a network service provide to maintain safeguards to keep information
confidential and secure. These include:
- The network service provider protects our systems and networks from the
Internet with Firewall systems which can be
thought of as selective barriers that only permit
specific types of traffic through our systems.
- The network service provider employs Intrusion Detection software and
monitors for unauthorized access.
- The network service provider uses encryption technology to protect certain
sensitive information that is transmitted over
We Share Information
In order for SayPlanning.com and its subsidiary
sites to service your requests, process your interview
request forms, and conduct business from day-to-day,
we must share submitted online information with
These lenders partners may include
credit reporting agencies for approving loan requests,
lenders who will underwrite your loan and service
your loan requests, and other companies that allow
us to service your needs. At no time will these
companies use your data for purposes other than
the required processes to conduct business.
At times, we may aggregate data that has been
collected online for statistical modeling purposes.
Customer data may be shared with modeling companies
that help us analyze and profile the data. At
no time will these companies use customer data
for purposes other than performing the work that
we hired them to do.
At times, we may aggregate contact data for purposes
of sending you information on additional product
and service offerings that may be of interest
Customer data may be shared with mail
companies and other direct marketing companies
for the purpose of preparing mail forms and other
contact media. At no time will these companies
use customer data for purposes other than performing
the work that we hired them to do.
If at any time you wish to remove your contact
information from our contact list, you may do
so by following the instructions under our opt-out
We Link to Third-Party Web Sites
SayPlanning.com is a search-engine provider that links to third-party
We do not control these third-party
sites nor do we control how they collect or use
information. We also do not warranty the information
supplied by these third-party web sites. They
as ours. It is important that you review their
You may come across our sites through a marketing
relationship with another company.
We will try
to show clearly our logo or other information
that identifies us as the provider of services.
Please note that information submitted to us through
these marketing programs may be collected and
shared with our marketing partner.
Revising or Removing Your Information
You have the right to revise or remove your contact
information at any time. This may include revisions
to your name, address, or other contact information.
You may choose to have your contact information
removed from our contact list. This will include
your contact information such as email address,
telephone number, and mail address.
to remove your name will instruct us not to use
your contact information in any direct marketing
programs and other media exchange programs.
To revise or remove your contact information,
please email us at:
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