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Choose your financial path. Finances, like life, is a series of choices. Which way will you go?
INTERNET PRIVACY POLICY

Total Candor LLC 

The policies below are applicable to totalcandor.com. Our Privacy Policy explains, not only how we collect, use and safeguard information on this website, but also the choices you have about usage of that information. We urge you to read our entire Privacy Policy so that you will understand both our commitment to you and your privacy, and how you can participate in that commitment. If you have questions or concerns regarding this statement, please contact us by e-mail at info@totalcandor.com.  

Effective Date:  March 6, 2006


Privacy at totalcandor.com


Total Candor has created this statement in order to demonstrate our firm commitment to privacy. We allow our users to control the amount of personal information they provide to us. Total Candor hopes that users will feel comfortable providing this information to us, because this information allows us to tailor our offerings to each user’s particular interests. However, we recognize that some users will prefer not to provide certain requested information, so we’ve designed totalcandor.com with the users’ personal preferences in mind. 

Information We Collect and How We Use It 

Membership Registration. Our registration process requires users to provide personal information, such as first name, last name, e-mail address, zip code and date of birth in order to register at totalcandor.com.  Users may provide additional demographic information (i.e. income, marital status, gender and number of children). The additional information is not required to become a registered user, but many users choose to supply the information so that they receive advertisements and information that match their interests and demographics.  Except as otherwise stated herein, totalcandor.com will not knowingly share your individual information with third parties without your authorization or consent.  totalcandor.com uses the personal information in the following ways:

1.    We provide users with content, including suggestions, tips and strategies, which can be in the form of electronic media, such as email, e-newsletters, postings, podcasts and links, or paper-based media, such as newsletters and books. 

2.     We contact users for feedback and surveys.

3.     We provide registered users with unique opportunities to register for workshops, lectures, promotions, and the like.

Profile Data. We use profile data collected through the registration process described above and through voluntary actions of registered users of the totalcandor.com service, such as participation in surveys consisting of requests for demographic information, to provide registered users with a personalized experience. This information allows us to provide such users with specific content based on indicated interests and preferences.  Using certain totalcandor.com services does not require registration, and users may provide as much or as little information as they choose. However, the omission of certain information may limit the value of the totalcandor.com experience for the user.

Message Center.  The totalcandor.com Message Center is a site feature used to inform members of internet-based promotions, offers and notices. Members may access the Message Center by logging in to their account at totalcandor.com. Message content, including information provided through RSS feeds, is based on preferences indicated at initial user registration as well as activity-based actions.  Registered users may choose to be notified by email of the posting of new messages in the Message Center or may opt-out of Message Center email notification. 

Tracking Activity On Our Website 

In order to make your visit to our website as productive as possible, we track activity on our website. However, we want you to know that the tracking technology we use does not identify any personal information about you. We cannot retrieve data from your hard drive, pass on computer viruses, or capture any personal information about you, such as your name, address, phone number, or e-mail address. We only know who you are if you tell us. You may, however, be asked to provide personal information such as name, address, phone number or e-mail address to us when you register for online services or products.

1.    Cookies: One way we track activity is by using cookies. A “cookie” is an electronic file that holds small strings of text. When you visit our website, we send a cookie to your browser so that we can recognize it when you or another user of your computer return to our website. We want to recognize your browser so we can make the best use of your time when visiting our website. For example, when you visit the membership area of our website, we present an introductory page to all new users. The fact that you have already visited the introductory page is recorded in a cookie so you won’t see the introductory page again. For your security, if you are a registered user of totalcandor.com, we cannot give you access to your account information on our website unless your browser is set to accept cookies from us.

2.     Advertising: When you visit our website by clicking on certain banner ads or special offers on our partners’ websites, we track this information to improve navigation and deliver relevant information when you arrive at our website. We also do this because we want to determine if our ads and special offers are appealing to our users.

3.     Browser settings: You can adjust many browser preferences so that you are alerted when a cookie is placed in your browser, or adjust preferences to decline cookies altogether. Recognize that cookies enable you to visit our website without reviewing introductory information. In addition to allowing us to recognize you, cookies also enable us to securely provide our registered users with account information.

How We Use Your Email Address

We recognize that e-mail can be the preferred mode of communication for some of our website users. If you provide us with your e-mail address, we may use it to contact you with e-mail messages, such as those related to:

  • Regularly scheduled e-mail newsletters related to Total Candor;

  • Workshop registration confirmation;

  • Optional e-mail communications for which you have signed up (e.g. newsletters on a selected financial topic); or

  • Valuable offers from non-affiliated companies that we send you on their behalf.

Also, once you have requested information from us, we may communicate with you via e-mail regarding your request to provide additional information related to your initial information request.  However, we will never ask you to send personal information such as account or Social Security numbers by non-secure e-mail.  To make our e-mail offers more relevant to you, we may use information you provided in your transactions with us or from information available from external sources, such as census bureau data.  We do not share your e-mail address with non-affiliated companies for them to market their products or services directly to you.  However, we may partner with selected non-affiliated companies to offer certain products or services we believe may be of interest to you.  If you opt out of receiving email from Total Candor, we will process and honor your request as soon as administratively possible. In certain circumstances, you may receive e-mail from Total Candor during the time period when we are processing your opt-out request. 


Log Files


Log files are generated on all websites on the Internet, including totalcandor.com. These files are set according to the standards for HTTPD web server technology as described by the standards organization, W3C (World Wide Web Consortium).  These Log files contain ‘clickstream information’ (i.e. transactions about the web pages viewed during a session, including the originating website/web page, navigation to another website/web page, the type of browser used, date/time, and success status of the server transaction).  Links between pages are described using a URL (Universal Resource Locator) address, http://www.totalcandor.com.  Each page viewed has a unique address that is recorded as a transaction in the server log.  Transactions about all pages viewed on totalcandor.com are analyzed to administer the website and to count visits to a page. Our website design uses log transactions to optimize site navigation and to gather broad demographic information for aggregate use.  We do not link these IP addresses to personally identifiable information.  We maintain these log files solely for our own internal purposes, and they are not shared with third parties, except to prevent abuse or fraud.


Security


This site has implemented reasonable security measures in an effort to prevent the loss, misuse or alteration of the information under our control. totalcandor.com uses reasonable networking, server, database, and procedural mechanisms in an effort to safeguard the integrity and privacy of data.  The totalcandor.com website makes use of Secure Socket Layer (SSL) technology to encrypt all credit card and billing information. Your computer must be SSL-enabled to ensure secure transfer of your credit card information.  totalcandor.com also protects user information off-line.  All of our users’ information is restricted in our offices. Only employees who need the information to perform a specific job are granted passwords to access personally identifiable information.  Furthermore, all employees are kept up-to-date on our security and privacy practices.  Our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected.  Finally, the servers that we store personally identifiable information on are kept in a secure environment.  totalcandor.com is committed to protecting the privacy of our members.  We will continue to review and implement new technologies as necessary to maintain the security of our networks and servers. 

Users should be aware that Total Candor’s server is provided by Tone Dog Inc. (the "Host").  Please review the Host's security policy to understand how your personally identifiable information will be stored. Although we trust that your personally identifiable information will remain secure on the Host's server, we cannot take any responsibility in the event that your personally identifiable information is accessed by a third party through no fault of our own. 

Links


This website contains links to other sites.  Please be aware that totalcandor.com is not responsible for the privacy practices of such other sites.  We encourage our users to be aware of when they leave our site and to read the

privacy statements of each and every website that collects personally identifiable information.  This privacy statement applies solely to information collected by this website.


Third Parties


From time to time, Total Candor may co-brand services.  At the point of collection, Total Candor will clearly indicate who is collecting information and which privacy statement is applicable.  Please be aware that Total Candor is not responsible for the privacy practices of such other sites.  We encourage our users to be aware of when they leave our site and to read the privacy policy of each and every website that collects personally identifiable information.  This privacy policy applies solely to information collected by this website.  Total Candor does not share any personally identifiable information with third parties, other than for the purposes described herein.  Total Candor contracts with third parties to perform functions on our behalf including but not limited to such things as analyzing data, delivering packages, sending postal mail and e-mail, providing marketing assistance and processing credit card payments.  These third parties may be granted access to personal information needed to perform their functions on behalf of Total Candor, but by contract may not use it for other purposes.


Review and Request Changes to Your Information


We want our users to feel completely comfortable using Total Candor services.  Registered users may change or delete their profile information from Total Candor’s records at any time by contacting Customer Support at info@totalcandor.com or by sending a request in writing to Total Candor, Attn: Opt-Out, 2456 Lafayette Rd., Suite 12, Portsmouth, NH 03801.  Please include the specifics of your request.

Registered Users.  When you join totalcandor.com, you may take affirmative steps on your personal profile page to inform us that you do not wish to receive emails containing exclusive offers.  You will not receive any email communication by doing so.  If you had previously signed up for email communication, simply follow the directions to opt-out when you are logged on to your account.  This will automatically change the information contained in our database.  If you would like to delete your profile, please submit your request by email to our Customer Support at info@totalcandor.com.

Opt-out.  Users may also opt-out of Total Candor promotional communications by emailing an opt-out request to info@totalcandor.com or by sending a request in writing to Total Candor, Attn: Opt-Out, 2456 Lafayette Rd., Suite 12, Portsmouth, NH 03801.  Every promotional email will also include a direct link to an opt-out.  You have the option of not receiving e-mails as part of our service.  You may answer ‘no’ to the statement, “I would like to receive e-mails with exclusive offers available only through totalcandor.com,” on your personal profile page and you will no longer receive e-mails as part of our service.


Children Under the Age of 13 Years


Children under the age of 13 are not eligible to register as users of totalcandor.com. totalcandor.com does not wish to collect and does not knowingly collect information from children under the age of 13 years.  By registering with totalcandor.com, a user certifies that he or she is not under the age of 13 years.


Limits of Confidentiality


Notwithstanding the foregoing, Total Candor may disclose member information to third parties when Total Candor determines in its sole discretion that it is reasonably necessary to do so to protect our rights and/or to comply with a judicial proceeding, court order, legal process served on our website, or as otherwise required by law.


Sale of Assets, Merger or Acquisition


In the event Total Candor merges, is acquired by or sells its assets to a third party, Total Candor may disclose registered user information as is reasonably necessary to effect any such merger, acquisition or sale.


Changes in Privacy Practice


In the event of any fundamental amendment to the privacy statement for totalcandor.com, both the new and the old privacy statements will be posted for a period of 30 days on this Privacy Policy page as well as a notice on the homepage.  Registered users will be notified by email 30 days in advance of the Privacy Policy change.  A link to the new statement will also be displayed on the site. After 30 days, only the new Privacy Policy will appear.  During the 30-day period, users may change their status with totalcandor.com as described in any notice.  After 30 days, the new Privacy Policy will be in effect regarding the usage and treatment of information.


Contact Us


If you have any questions about this privacy statement or the practices of Total Candor, or your dealings with totalcandor.com, you should please contact our Customer Service department by e-mail at info@totalcandor.com.

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