The privacy of your personal information is a top priority to us and we are committed to protecting your privacy online. This Privacy Policy outlines the steps we have taken to ensure the privacy of any personal information you may submit to us. This Privacy Policy applies to this Web site, www.GuaranteedLowerPropertyTax.com Saving America Services LLC. This Privacy Policy applies only to www.GuaranteedLowerPropertyTax.com, and not any other Web site owned by Saving America Services LLC or other organizations to which we link. In addition, this Privacy Policy applies only to information collected by us online, not offline. Personal Information Our goal is to provide a safe and informative experience when using our services. HomeLoandDefense.com in no way attempts to use your personal information for any other purpose than to provide a better service to users. Furthermore, all personal information provided by a person is given by his/her own will. Browsing www.GuaranteedLowerPropertyTax.com does not require the submittal of personal information; however membership-only areas of www.GuaranteedLowerPropertyTax.com may require the collection of personal information on a voluntary basis for the following important purposes: (1) to process and fulfill your requests for products and services; (2) to solicit your opinions and other feedback; (3) to conduct research; (4) to customize the advertising and content you see; and, (5) to provide anonymous reporting for internal and external purposes. Personal information may consist of information including: name, address, e-mail address, or phone number that is not otherwise publicly available. Some services may also require submittal of payment information upon the consent and discretion of the user. www.GuaranteedLowerPropertyTax.com may also request voluntary submittal of demographic information such as: gender, zip code, or any information that is not tied to your personal information. Examples of instances where www.GuaranteedLowerPropertyTax.com may require the submittal of information include, but is not limited to: testimonials, podcasts, surveys, feedback forms, consultations, services, membership registration, etc. Upon receiving valid data from other sources, we reserve the right to update and/or amend any information we receive about a member, including but not limited to, existing account information. Like other Web sites, we also automatically receive and record certain types of information every time you visit us via Web "cookies" to enhance your experience and present you with personalized offers. In the instance of advertisers using cookies on www.GuaranteedLowerPropertyTax.com, we are not liable to any solicitation visitors may receive due to a third-party’s cookies. These companies may employ cookies and action tags to measure advertising effectiveness. However, any information that these third parties collect via cookies and action tags is completely anonymous. How We Use The Information If you apply for a product or service offered through www.GuaranteedLowerPropertyTax.com, we may use the information you provide to process and fulfill your order; respond to your inquiries; and/or to offer you other products, programs, and services that we believe may be of interest to you. We also may share your information with certain business partners in order to process and fulfill your request. Our business partners may contact you by telephone or e-mail in order to process and fulfill your request. If there are any questions or concerns regarding the dissemination of personal information, please contact our help department at info@GuaranteedLowerPropertyTax.com. Business partners may also contact you to process your request by e-mail or mail based on the information you have provided to us. Such partners may keep such information whether you elect to use their services or not. If you do not want to receive such communications from them, please notify the business partner directly. Business partners of GuaranteedLowerPropertyTax.com, who have access to your personally identifiable information, are required to protect this information in a manner that is consistent with this Privacy Policy. From time to time, we may be required to respond to subpoenas, court orders, or legal process. In connection with doing so, we reserve the right to exercise our legal rights and defend www.GuaranteedLowerPropertyTax.com against legal claims. It may be necessary for us to share information in order to investigate, prevent, or take action regarding potential illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our Terms of Use, or otherwise. Anti-Spam Policy You will not receive e-mail communications against your knowledge. Upon registration and submittal of your e-mail address, we are therein authorized to disburse information to any recorded e-mail address. However, we are not responsible for any distribution of third-party e-mails or the contents therein. If any third-party e-mail publisher refuses to abide by our Anti-Spam policy, we reserve the right to take appropriate action in defense. In the event of receiving unwanted e-mails from a third-party, or if you wish to unsubscribe from a service originally willing accepted, termination steps such as “Unsubscribe” links are available at any time. To cancel, recipients can also e-mail info@www.GuaranteedLowerPropertyTax.com with a cancellation request. However, response times and processing times in the event of such requests vary. Cookies and IP Addresses To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user(s) computer hard drive, which enable a Web site to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used our Web site. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner(s) Web sites, limited to the activity involved with the completion of offers listed on our Web site This information is used to monitor the performance of our partners. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet. Security The confidentiality and privacy of your personal information are very important to us and we take a number of steps to safeguard it. We maintain physical, electronic, and procedural safeguards that comply with federal and all other applicable standards to guard personal information about you. We limit access to personal information to those employees and agents who assist us in providing requested products and services to you. In addition, we use industry standard data encryption technologies when transferring and receiving consumer data on our Web site. Opting-Out You may register to receive communications from us directly on our Web site or through a third-party. Upon registering, we will periodically send you newsletters and other e-mails featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an e-mail to us at info@GuaranteedLowerPropertyTax.com. You may also opt-out by clicking on the unsubscribe link in our e-mails. Our e-mail database is updated continually. However, response times may vary, and messages may be delivered after an opt-out. Please note that we can only control our own mailing list and policies. Third-party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their e-mail communications. Also, please note that if you enter into a transaction through our Web site, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service. Third-party Links, Ad Servers and Sponsors This Privacy Policy applies to all information that you provide to Guaranteed Lower Property Tax. However, when you visit Web sites to which we provide a link, you will be interacting with a Third-party that operates under its own privacy and security policies. If you choose to obtain certain services through a third-party site, the data collected by the third-party is governed by that third-party(s) privacy policy, and not ours. A third-party site also should have its own policy regarding the confidentiality and security of your private information. We encourage you to review the privacy policies of any other service provider from whom you request services. If we receive personal information from a third-party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between us and such third-party. Occassionally, we may also use a reputable third-party to present or serve advertisements to you from our Web site. These third-party ad servers may technologies to help present these advertisements, and to help measure and research the advertisements' effectiveness. The use of these technologies by these third parties is subject to their own privacy policies and is not covered by this Privacy Policy. Children's Privacy You must be at least 18 years old to use this Web site. We do not knowingly collect, use, or disclose personal information about visitors to this Web site who may be under 18 years of age. If you are under 18 years of age, you can use the services offered on our Web site only in conjunction with your parents or guardians. Updating Your Information If you want to access or update the personal information you submitted to GuaranteedLowerPropertyTax.com, please contact us at info@GuaranteedLowerPropertyTax.com. Questions and Suggestions If you have any questions, concerns or suggestions about our Privacy Policy, or otherwise wish to contact us, you may do so by sending an e-mail to: info@GuaranteedLowerPropertyTax.com Changes to this Privacy Policy We may update or modify this Privacy Policy at any time. If there are material changes to this Privacy Policy or in how we will use your personal information, we will post such changes here on this Web site. We will notify you of any material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this Web site. By using this site, you signify your assent to our Privacy Policy. If you do not agree to this policy, please do not use GuaranteedLowerPropertyTax.com. When you request information through GuaranteedLowerPropertyTax.com, you are authorizing us to share information with our business partners, who will contact you by phone, e-mail or mail. If you do not want further communication from them, please notify the person or entity that has contacted you directly. We reserve the right to make changes in this Privacy Policy at any time. Please check this Privacy Policy each time you use our Web site to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of this Web site will constitute acceptance by you of any changes to this Web site. This service is the same as opt-out services. As described in our Privacy Policy, Www.GuaranteedLowerPropertyTax.com may disclose private personal information about you to other parties. You have the right to opt out of this disclosure at any tie before or after you submit any personal information to us. 2009 © Saving America Services LLC All Rights Reserved. Any payments for contracts, subscriptions, or other services are final. Any advice used in response to services provided by www.GuaranteedLowerPropertyTax.com is used voluntarily by viewers and at their own discretion. Debt or credit related services may or may not meet your needs, and may involve risk. Creditors may continue debt collection efforts, including phone calls, letters, collection agency referrals and lawsuits. Your credit score may be adversely affected. Always seek financial advice from qualified financial and legal advisors, and read and understand all enrollment materials carefully.