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 ANSWERRACK.COM

PRIVACY POLICY

Welcome to AnswerRack.com (the "Site").

We understand that privacy online is important to users of our Site, especially when conducting business.
This statement governs our privacy policies with respect to those users of the Site ("Visitors") who visit without
transacting business and Visitors who register to transact business on the Site and make use of the various services offered by AnswerRack.com (collectively, "Services") ("Customers").

"Personally Identifiable Information"
refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, and credit card information. Personally Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user)
or demographic information not connected to an identified individual.

What Personally Identifiable Information is collected?
We may collect basic user profile information from all of our Visitors who Register. We collect the following additional information from our Customers: email addresses of Customers names are optional as are addresses.

What organizations are collecting the information?
In addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect this information from our Customers. We do not control how these third parties use such information.

How does the Site use Personally Identifiable Information?
We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfill buying and selling requests on the Site. We may email Visitors and Customers about research or purchase and selling opportunities on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Customers in response to specific inquiries, or to provide requested information.

With whom may the information may be shared?
Customer email addresses will be shared with a vendor only for the purpose of a purchase or deposit made by the customer.

How is Personally Identifiable Information stored?
Personally Identifiable Information collected by AnswerRack.com is securely stored and is not accessible to third parties or employees of AnswerRack.com except for use as indicated above.


What choices are available to Visitors regarding collection, use and distribution of the information?
Visitors and Customers may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by contacting us at contactAR@AnswerRack.com

Are Cookies Used on the Site?
Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Visitors and the services they select. We also use Cookies for security purposes to protect our Customers. For example, if a Customer is logged on and the site is unused for more than 10 minutes, we may choose automatically log the Customer off.

How does AnswerRack.com use login information?
AnswerRack.com uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user's movement and use, and gather broad demographic information.

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Authorized Customers on the Site?
AnswerRack.com has entered into and will continue to enter into partnerships and other affiliations with a number of vendors.
Such vendors may have access to certain Personally Identifiable Information on a need to know basis for evaluating Customers for service eligibility.
Our privacy policy does not cover their collection or use of this information.
Disclosure of Personally Identifiable Information to comply with law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Visitors and Customers.

How does the Site keep Personally Identifiable Information secure?
The Personally Identifiable Information of our Visitors and Customers will only be accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information, such as credit card numbers is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Customers for any such occurrences.

How can Visitors correct any inaccuracies in Personally Identifiable Information?
Visitors and Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at contactAR@AnswerRack.com

Can a Visitor delete or deactivate Personally Identifiable Information collected by the Site?
We provide Visitors and Customers with a mechanism to delete/deactivate Personally Identifiable Information from the Site's database by contacting contactAR@AnswerRack.com. However, because of backups and records of deletions, it may be impossible to delete a Visitor's entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward.

What happens if the Privacy Policy Changes?
We will let our Visitors and Authorized Customers know about changes to our privacy policy by posting such changes on the Site. However, if we are changing our privacy policy in a manner that might cause disclosure of Personally Identifiable Information that a Visitor or Authorized Customer has previously requested not be disclosed, we will contact such Visitor or Authorized Customer to allow such Visitor or Authorized Customer to prevent such disclosure.

When I Add Funds To My Account Is It Refundable?
Yes, your funds are fully refundable if you have not Satisfied an answer and have not used up your funds. To get a refund on your funds, please make a request for refund at the link provided below. Requests made within 45 days of the original funding date, are fully refundable. After 45 days, we provide a few options: (a) Obtain a `credit` at AnswerRack.com for the full funded amount and re-use it for future questions, or (b) Obtain a refund of the funded amount minus a small amount to cover PayPal commissions which is in the area of 3% to 4%.Contact Us

Links:
This web site contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours.





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