Introduction

MYSPIDERWEB LLC (hereinafter “American Advisor”, “We”, “Us”, or “Our”) has created this Website Privacy Policy (hereinafter the “Privacy Policy”) in order to inform you (hereinafter “You”, “Your”, or “Yourself”) as (a) a user of one or more websites on the World Wide Web that are owned and operated by American Advisor (hereinafter the “Site”) or (b) a purchaser or user of products or services (including, without limitation, of a American Advisor account) offered by American Advisor of the circumstances under which We collect information and data from or about You. This Privacy Policy also serves to inform You about the circumstances under which We will release information about You to third parties. Please read this Privacy Policy carefully to ensure that You understand, agree to, and accept it in its entirety. This Privacy Policy may change from time to time, so please check back periodically to review it. By using or accessing the Site or purchasing or using products or services offered by American Advisor, You acknowledge that You understand, agree to, and accept, without limitation or qualification, all of the following terms and conditions of this Privacy Policy without modification:

1. Types of Information Collected.

a. Traffic Data Collected. American Advisor automatically gathers general statistical information about visitors to the Site. Accordingly, American Advisor may automatically track and collect certain technical information from You when You visit the Site. This may include: (i) Your IP address; (ii) Your domain server; (iii) Your type of computer; (iv) Your type of browser; (v) the pages You viewed; and (vi) the goods and services You purchased (hereinafter collectively “Traffic Data”). Traffic Data is anonymous information which does not personally identify You, but which may be used for improving Your experience on the Site. Traffic Data may be provided to third parties. American Advisor may also use “cookies” for specific purposes such as customizing content specific to Your interests, or storing Your password so that You do not have to re-enter it each time You visit the Site. A cookie is a small amount of data that is sent to Your browser from a web server and stored on Your computer’s hard drive. Preference and options configurations in Your browser determine if, and how, a cookie will be accepted. You can change those configurations on Your computer if You desire. By changing Your preferences, You can accept all cookies, You can be notified when a cookie is set, or You can reject all cookies. If You do so and cookies are disabled, You may be required to re-enter Your information more often and certain features of Our Site may be unavailable.

b. Personal Information Collected. In order for You to access certain areas of the Site, to have a American Advisor account, to receive certain services, or to purchase products or services that American Advisor offers via the Site, American Advisor may require You to provide Us with information that personally identifies You (“Personal Information”). Personal Information may include: (i) contact data such as Your name, mailing address, email address, and telephone number (“Contact Data”); (ii) financial data such as Your account or credit card number, income, total savings, (“Financial Data”); and (iii) demographic data such as Your zip code, age, occupation, (“Demographic Data”).

2. Use of Information Collected.

American Advisor uses Traffic Data to improve Our marketing and promotional efforts, to analyze Our Site usage, to improve Our content and product and service offerings, and to customize Our Site’s content, layout, and services. We may also use Traffic Data to help diagnose problems with Our server, to manage Our Site, and to enhance Our Site based on the usage pattern data We receive. American Advisor uses Contact Data to send You Our newsletter, online surveys, information about American Advisor, its products and services, and/or promotional material from some of Our partners. We may also use Your Personal Information to deliver information to You that, in some cases, is targeted to Your interests, such as new services and promotions. We may also ask You to provide Us voluntarily with additional information regarding Your personal or business interests, experience, or requests which We may use to customize Our services for You. American Advisor may also use Your Contact Data to contact You (via email, mail, telephone, or otherwise) when necessary or to advise You about American Advisor, Our partners, events, Your American Advisor account, new product and service offerings, and communications relevant to Your use of the Site. American Advisor will use Your Contact Data and Your Financial Data to bill You for products and services that have been purchased by You. American Advisor may use Your Demographic Data to customize and tailor Your experience on the Site, displaying content that American Advisor thinks You might be interested in and according to Your preferences. If You communicate with Us by telephone, fax, mail, email, or otherwise communicate with Us in any manner for any reason, or otherwise submit or post information or messages on the Site, or purchase or use products or services offered by Us, any Personal Information provided in such communications or related to such purchases may be collected by Us as Personal Information and You expressly consent to the use of Your Personal Information in accordance with the terms of this Privacy Policy.

3. Disclosure of Information to Third Parties.

American Advisor respects Your privacy and is committed to protecting it as set forth in this Privacy Policy. Except as otherwise provided in this Privacy Policy, American Advisor will keep Your Personal Data private and will not disclose it to third parties without Your prior consent, unless We believe in good faith that such disclosure is reasonably necessary or appropriate: (i) to comply with a court order or other legal process; (ii) in connection with any legal proceeding or prospective legal proceeding; (iii) in order to establish, exercise, protect, or enforce the rights of American Advisor or others (including, without limitation, for purposes of fraud prevention); (iv) to enforce Our Website Terms of Use and Products and Services Agreement; or (v) to protect against imminent harm to the property or safety of American Advisor, Our customers, or the public. Notwithstanding anything in this Privacy Policy to the contrary, We may share Traffic Data and Demographic Data with advertisers and other third parties and may share Your Contact Data and Financial Data with third parties for the purpose of executing financial transactions between You and American Advisor that have been authorized by You. Any Traffic Data and Demographic Data We share with advertisers and other third parties is not linked to any Personal Information and cannot identify any individual person. Furthermore, notwithstanding anything in this Privacy Policy to the contrary, (a) We may share Contact Data and Financial Data with Our employees or third parties who furnish products or services necessary to provide You with the products and services purchased or used by You from Us, but only if such employees or third parties agree to comply with this Privacy Policy and not use Your Contact Data and Financial Data for any other purpose; and (b) in the event that American Advisor sells or is contemplating selling all or a portion of its business or assets in any manner whatsoever, American Advisor reserves the right to disclose and/or transfer Your Contact Data and Financial Data to the purchaser or prospective purchaser in connection with such acquisition, provided that such purchaser or prospective purchaser agrees to comply with this Privacy Policy.

4. Security of Personal Information.

American Advisor employs reasonable and current technical and organizational security methods to prevent unauthorized access, maintain data accuracy, and ensure correct use of Personal Information. Your Personal Information is stored on secure servers that are kept in a physically secure environment. In addition, We will provide You with the capability to transmit Your Personal Information online via secured and encrypted channels if You use a similarly equipped web browser. All Personal Information is restricted in our offices. Only employees or third parties who furnish products or services necessary to provide You with the products and services purchased or used by You from Us who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to Personal Information. Your American Advisor account is password protected. We recommend that You do not divulge Your password to anyone. Our personnel will never ask You for Your password in an unsolicited phone call or in an unsolicited email. Remember to sign out of Your account and to close Your browser window when You have finished Your session. This is to help ensure that others cannot access Your Personal Information and correspondence if You share a computer with someone else or are using a computer in a public place where others may have access to it. Despite Our commitment to protecting the privacy of Your Personal Information, no data transmission over the Internet, wireless network, or otherwise can be guaranteed to be perfectly secure. As a result, We cannot guaranty the security of any Personal Information You transmit to Us and You do so at Your own risk.

5. Deletion/Disposal of Personal Information.

We may delete or otherwise dispose of any or all of Your Personal Information, whether stored electronically or in paper form, at any time without notice. In the event that We do so, We will delete or dispose of Your Personal Information in a manner that employs reasonable and current technical and organizational security methods to prevent any unauthorized access to Your Personal Information.

6. User Choice Regarding Collection of Personal Information.

You may choose not to provide Us with any Personal Information. However, You will not be able to access and use those portions of the Site that require Your Personal Information. If You do not wish to receive information and promotional materials from Us, You may select the appropriate “opt-out” option each time We ask You for Personal Information or by contacting Us electronically using the email link found at the American Advisor website to “opt-out” at anytime.

7. User Ability to Access, Update, and Correct Personal Information.

In order to ensure that all of Your Personal Information is correct and up-to-date, at any time You may visit Your personal profile by accessing Your American Advisor account at the Site. Through Your personal profile You may review and update Your Personal Information that We have already collected.

8. Data Collection from Children.

American Advisor does not knowingly collect any information from children under 13 years of age, as this Site is not directed to persons under such age. If a parent or guardian becomes aware that his or her child under 13 years of age has provided Us with Personal Information, he or she should contact Us electronically using the email link found at the American Advisor website. If We become aware that a child under 13 years of age has provided us with Personal Information, We will delete or dispose of such Personal Information in a manner that employs reasonable and current technical and organizational security methods to prevent any unauthorized access to such Personal Information.

9. Other Limits to Your Privacy.

American Advisor may also make chat rooms, blogs, forums, message boards, news groups, listservs, email lists, and the like available to You. Please understand that any information that is disclosed in these areas becomes public information and American Advisor has no control over its use or privacy.

10. Changes to Privacy Policy.

American Advisor reserves the right, at any time and without notice, to change, modify, add to, or delete portions of this Privacy Policy, simply by posting such change to this Privacy Policy on the Site. Any such change will be effective immediately upon posting on the Site. It is Your responsibility to regularly check the Site to determine if there have been changes to this Privacy Policy and to review such changes. If We make any changes to this Privacy Policy, We will indicate at the top of this Privacy Policy the date this Privacy Policy was last revised. Your continued use of the Site or Your purchase or continued use of any products or services offered by American Advisor after any such changes constitutes Your acceptance of the new Privacy Policy. If You do not agree to and accept, without limitation or qualification, all of the terms and conditions of this Privacy Policy or any future Privacy Policy without modification, do not use or access (or continue to use or access) the Site or purchase or use (or continue to purchase or use) any products or services offered by American Advisor.

11. Questions; Contact Information.

If You have any questions or concerns about this Privacy Policy, the practices of the Site, or Your dealings with the Site, please contact Us electronically using the email link found at the American Advisor website.

12. Website Terms of Use and Products and Services Agreement.

Please also make sure to read American Advisor’s Website Terms of Use and Products and Services Agreement to understand the additional terms and conditions which apply to Your use of Our Site and Your purchase or use of any products or services offered by American Advisor using the Terms link found at the American Advisor website.