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Welcome to the Top Flite Financial web site, available at
www.topflitefinancial.com (this "Site"). This statement discloses the privacy practices and
notices ("Policy") for the Top Flite Financial Site and describes how we collect,
protect and use information we receive from visitors to our Site.
THE INFORMATION WE COLLECT
There are two kinds of information web sites can obtain about you:
Anonymous Information: Anonymous Information is aggregate data that
web sites use to administer their sites. It may include such information as
your browser type or your Internet Protocol (IP) address. Pre-Approved Credit Inc.
may from time to time retain third parties to help us collect and aggregate Site customer information.
IP Addresses - An IP address is unique string of numbers that is assigned
to your computer by your Internet Service Provider.
Web servers automatically identify your computer by its IP address.
We use your IP address to help diagnose problems with our server,
to administer our Site, and may use it to gather broad demographic information.
Personally Identifiable Information: Personally Identifiable Information is
any information that personally identifies you, such as your name, email address
or your telephone number. Sometimes this personal information is needed when you
register to obtain a quote from a lender, or when you contact us. We may ask you
to provide us with personal information on a voluntary basis in certain areas
of our Site. In particular, you may be asked to provide the following information:
Registration/Qualification Forms - When you complete a qualification form on the Site,
you will need to provide personal and financial information such as your name, phone number,
Social Security Number, e-mail address, income and other financial information depending upon
your expressed loan or real estate referral preference. Your information is released to us
only after you click on the "Submit" button. These lenders may contact you directly via
phone, e-mail or other communications. We operate under federal and/or state laws.
Your email address is required on this form so we can answer your questions,
and we want your name, too, so we can address our answer in a mannerly way.
Top Flite may put information from email on file, but does not currently share,
sell, license or transmit this information with third parties without
express authorization from you.
HOW WE USE GATHERED INFORMATION
The information you share with us may be used in a few ways:
Anonymous Information: Anonymous Information is used internally
for Site administration, troubleshooting and to help improve the quality
of the web pages. We may share such aggregated, non-personally identifiable
information, such as demographics, with existing and prospective business
partners and advertisers. We never connect aggregate information with Personally
Identifiable Information, and none of the aggregate information we share will
contain any information that identifies you individually.
Personally Identifiable Information: Personally Identifiable information
collected by Top Flite Inc. may be used for purposes including administration
of the Site, lead processing and communications with you. From time to time,
our advertising and promotional partners may desire to use your registration
and other information to call your attention to offers they believe might
interest you. If you prefer not to receive direct communications sent by our
advertisers or promotional partners, you will be given an opportunity to decline
before you provide us any information we might use for this purpose.
In all cases, however, we will use your information only as permitted by law.
We may also disclose Personally Identifiable Information if we are required to do
so by law or we in good faith believe that such action is necessary to
(a) comply with the law or with legal process; (b) protect and defend our rights and property;
(c) protect against misuse or unauthorized use of the Site; or
(d) protect the personal safety or property of our users or the public.
Please note that we may not provide you with notice prior to disclosure in such cases.
OPT-OUT
Although most Top Flite users indicate that they welcome details of offers and other
promotional material about us, as well as products and services provided by our business partners
and advertisers, we support the right of our visitors to choose. You will be given the right
to opt-out of receiving such information whenever you are asked to provide Personally
Identifiable Information on this Site. If you do not opt-out at that time, but later decide
that you do not wish to receive future communications of this nature you can contact us at
info@teamtopflite.com net or at the address
provided below, indicating that you no longer want to receive (a) information relating
to the Top Flite Site; or (b) information relating to products and services
provided by our business partners and affiliates
ACCESS AND CORRECTION
You have a right to know about the personal information that Top Flite Inc.
holds about you, including the right to correct, amend or delete the information that
Top Flite Inc. has on file if it is incorrect. If you wish to exercise these
rights please contact us by email or postal mail at the addresses below.
SECURITY
This Site incorporates appropriate safeguards to protect the security, integrity,
completeness, accuracy and privacy of the personal information we have collected.
We have put in place reasonable precautions to protect information from loss, misuse
and alteration. Our security and privacy policies are periodically reviewed and
enhanced as required and only authorized individuals have access to the information
you provide. Security of information communicated by or to us over the Internet is
of utmost concern to us; however, no data transmission over the Internet can be guaranteed
to be 100% secure. Please note that your email, like most, if not all, non-encrypted
Internet communications, may be accessed and viewed by other Internet users, without your
knowledge and permission, while in transit to us. For that reason, to protect your privacy,
please do not use email to communicate information to us that you consider confidential.
While we strive to protect your personal information, we cannot ensure or warrant the
security of any information you transmit to us or through our Site, and you do so at
your own risk. Once we receive your transmission, we will use reasonable efforts to ensure
its security on our internal systems. Depending on the nature of the inquiry, your communication
may be discarded or archived. If you wish, you may contact us instead via telephone at
the numbers provided throughout our Site.
OUR COMMITMENT TO CHILDREN'S PRIVACY
Protecting the privacy of children is very important to us. The Children's Online Privacy
and Protection Act of 1998 ("COPPA") defines a "Child" as anyone under the age of 13.
Top Flite Inc. strictly adheres to COPPA. For that reason, we do not collect
or maintain information obtained through our Site from those we actually know are under 13,
and no part of our Site is structured to attract anyone under 13.
EXTERNAL LINKS
This Site provides links and/or ad banners to various web sites or sponsors that we do
not control for your convenience. When you click on one of these links, you will be
transferred out of our Site and connected to the web site of the organization or company
that you selected. We are not responsible for the nature, quality or accuracy of the content
or opinions expressed in such web sites, and such web sites are not investigated, monitored
or checked for quality, accuracy or completeness by us. Inclusion of any linked web site on
the Top Flite Site does not imply or express an approval or endorsement of the
linked web site by us, or of any of the content, opinions, products or services provided on
these web sites. Even if an affiliation exists between our Site and a third-party web site,
we exercise no control over linked sites. Each of these linked sites maintains its own
independent privacy and data collection policies and procedures. If you visit a web site
that is linked to our Site, we encourage you to consult that web site's privacy policy before
providing any personal information and whenever interacting with any web site.
CONSENT AND MODIFICATIONS TO PRIVACY STATEMENT
This Site is controlled, operated and administered entirely within the United States.
By using this Site, you signify your agreement to the terms of this Policy. If you do not
agree with this Policy, please do not disclose any personal information through this Site.
This Policy and the use of this Site are governed by Michigan law. Any claim related to the
Site or this policy shall be brought in a federal or state court in Michigan, within one year
after the claim arises. Users of the Site consent to the jurisdiction and venue of such courts
as the most convenient and appropriate for the resolution of disputes concerning this Policy.
This Policy and the notices outlined herein are not intended to and do not create any contractual
or other legal rights in or on behalf of any third party.
MODIFICATIONS TO PRIVACY POLICY
Top Flite may modify this Policy at any time, at its discretion, and modifications
are effective upon being posted on this Site. You are responsible for reviewing this Policy
periodically to ensure that you are aware of any changes to it..
ACCOUNT REVISIONS, REVOKING AND DELETING PERSONAL INFORMATION
We welcome your questions, comments and all feedback pertaining to your privacy or
any other issue with regard to the Top Flite Site.
At any time, you may revoke your consent, cease further use of your email address
to send you updates, and direct us to delete the information you have supplied.
Although it is not always possible to remove or modify information in the databases,
we will make reasonable efforts to do so. If you have given us information for one of
those third parties we mentioned above and we have already passed it on, we cannot
delete or change the information.
In the event that you have given us Personally Identifiable Information in the past
and then have second thoughts or want to update it, you may send an email or contact us by phone.
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