1. What information may be collected? How could it be used?
We may request and collect certain basic information from you on our web site. For example, when you choose to contact us we may request your name, mailing address, e-mail address & phone number. Unless you choose to provide information to us, we will not obtain personally-identifying information about you when you visit our site, other than general information for web site performance assessment purposes such as the number of visitors to the different sections, the web address from where they linked to our site, the domain name, the date, time and the duration of their visit to help make our site the best it can be.

2. Are "cookies" used?
"Cookies" are small pieces of information about you stored by your browser on your computer's hard drive and used by some web sites and companies to help deliver their services to you. Out of an abundance of caution and as part of our total commitment to protecting your privacy, we have elected not to use any "cookies" on our web site.

3. Will any of the collected information be disclosed to others?
Any of the basic information you choose to provide to us and that we collect from you is confidential and protected by us. We do not sell, trade or rent your information to others. In the future, occasionally, in order to provide you with additional valuable services or conveniences, we may choose to share the information collected with trustworthy third parties to process applications.

4. How is the collected information protected?
We have several internal controls in place to protect the collected information. We consider the information confidential and proprietary and treat it with the same care and confidentiality as we would with our own individual personal information.