Privacy PolicyAugust 1, 2005 Any time you visit a Web site, you may be providing information about yourself to the site’s owner or operator. Therefore, you should take the time to ensure that the site is legitimate, and even if legitimate; you need to understand the web site's privacy policies. If the site is not part of a legitimate business or doesn't have privacy policies, it is highly recommended that you not use the web site. The
WorkItOut.com
Mission A special note
about children Applicability of
this Privacy Policy NoticeWhat personal information we collect and how we use itWhen you visit the WorkItOut.com site, we capture your Internet provider's domain name (e.g., 'yahoo.com'). We also capture the country from where the visit came, and the paths taken as you move from page to page (i.e., your "click stream" activity). Information we collect on the WorkItOut.com site may be used to enhance this site in ways like these:
In addition, WorkItOut.com may use the information from the site to explore the a number of metrics regarding borrowers in default. WorkItOut.com only collects "personal information" that you choose to provide voluntarily when using or registering with the WorkItOut.com site. "Personal information" includes information that can identify you, such as:
While you can browse our site without providing personal information, you will need to input certain personal information as indicated on specific pages of our site in order to take advantage of certain features, such as requesting updates on promotional offers or participating in special programs. WorkItOut.com may also on occasion ask you to voluntarily submit information about other people. For example, you might be asked for the name and email address of people you know so we can inform them about a sweepstakes, contest, or other promotion or program offered on the WorkItOut.com site. Browsing and the use of cookies, Web beacons, and logsWorkItOut.com uses cookie technology as part of our Web site's statistical reporting. A cookie is a small piece of information sent by a Web site that is saved on your hard disk by your computer's browser. It holds information a site may need to personalize your experience (such as, rotating images on the home page of the WorkItOut.com site). Cookies are also used to gather Web site statistical data, such as which pages are visited, what is downloaded, the Internet provider's domain name and country of origin, and the addresses of sites visited immediately before, and after, coming to the WorkItOut.com site. The cookies allow us to trace your "click stream" activity (meaning, the paths taken by visitors to our site as they move from page to page) and enable use to better understand your movement throughout the Site to better enhance the Site and to better understand borrowers in default. If you prefer, you can configure your browser to reject all cookies, or to notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie and privacy preferences.) A Web beacon is an electronic image, also called a single-pixel or clear GIF, placed in the code of a Web page. The WorkItOut.com site uses Web beacons to track traffic patterns of users as they navigate from one page to another. This information lets us tune and improve our users’ browsing experience and also helps us gather information about borrowers in default. As with cookies, the information that Web beacons collect personal data “click stream” data, and is associated with you as an individual to better understand the dynamics of your use of the system. We also use standard Web server log files to help us count visitors and evaluate our site's technical capacity. This information tells us how many people visit the WorkItOut.com site, and helps us decide how to arrange pages in the most user-friendly way. It also helps us keep the site browser-friendly and more useful to our visitors. We record information on site traffic, including individual visitors to our site, so personal information about you will be kept and used to help us better help borrowers in default. Sweepstakes, contests, games, and surveysFrom time to time, WorkItOut.com may conduct sweepstakes, contests, games or other promotions, and also conduct surveys through our Web site. If you choose to participate—unless otherwise noted in the applicable rules, terms and conditions, or disclaimers—we may use the information you provide in connection with the administration of the applicable promotion, including for selection and notification of sweepstakes or contest winners and for creation of new promotions, and/or to publish survey results in aggregate on the site. Email, mailing lists, and other servicesWhen you send us an email, we use your email address to thank you for your comment and/or reply to your question. We store your communication and our reply in case we correspond further. In order to facilitate communication, we reserve the right to share your e-mail address with your lender/servicer, loan investor or any other party designated by the owner of your loan or servicer rights properly designated to attempt loss mitigation on your loan. We will not sell your e-mail address to anyone else for a use other than as specified in this policy. When you request information or services, we use your email address and any other information you give us to provide you with the information or services you’ve requested until you ask us to stop (by using the “unsubscribe” instructions provided on each email and/or the Web site where you signed up and/or as we otherwise provide), or until the information or service is no longer available. Affiliated businesses and links to other sitesWe work closely with our affiliated businesses, vendors and partners, many of which have links within the WorkItOut.com site. Please remember that when you use a link to go from the WorkItOut.com site to another Web site, this Privacy Policy no longer applies. Your browsing and interaction on any third party’s Web site, including any site that has a link on WorkItOut.com, is subject to the rules and policies of that site. We encourage you to read the rules and policies of the sites you visit to better understand their procedures for collecting, using, and disclosing personal information. Our policy regarding selling or renting of personal informationOur policy is simple: we do not sell or rent your personal information to any third parties under any circumstances, except in the event of a bankruptcy or reorganization, or a sale of all or substantially all of our assets, as further provided below. AgentsWe may employ other companies and individuals to perform services on behalf of WorkItOut.com, such as (1) administering special reward or other programs affiliated with WorkItOut.com, or sweepstakes, contests and other promotions, (2) sending emails, (3) providing marketing assistance, and (4) analyzing data. Such companies and individuals will have access to the personal information necessary to perform their services, but will not be permitted to use it for any other purpose. Banners and other advertisements on WorkItOut.comThe WorkItOut.com site displays banners and other advertisements that may be placed by third parties. Such advertisers may collect non-personal information (meaning, information that is not identifiable to any individual) when you click or scan one of their advertisements, by placing cookies on your computer or by using other technology. We encourage you to review the privacy policies of any such third parties. In addition, we may share aggregate information about our visitors to third-party ad servers or potential advertisers in order to provide advertisements on WorkItOut.com about products and services that may be of interest to you. Business transfersIf a third party acquires all or substantially all of our assets, your personal information, aggregated information, and any other information that we have collected on the WorkItOut.com site may be transferred to such third party as part of our business assets. Also, if any bankruptcy or reorganization proceeding is brought by or against us, all such information may be considered one of our assets and may be sold or transferred to third parties. Disclosure of personal information for legal purposes and protection of WorkItOut.com and othersWe reserve the right to share your personal information with third parties if required to do so by law, or if we believe such action is necessary in order to: (a) conform to the requirements of the law or comply with legal process served upon us; (b) protect or defend our legal rights or property, the WorkItOut.com site, or our users; or (c) investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of the terms and conditions for using the WorkItOut.com site. ChoiceHow you can decide what communication you'll receive from usWe may periodically send you email messages describing updates, new features, or promotional offers related to this Web site. You can choose to stop receiving this email at any time. Simply follow the instructions included in your email, or send a reply stating your request. Access and data retentionHow to update, correct, or delete your personal informationYou can access and modify certain personal information stored on the WorkItOut.com site, such as your name, phone number, email address, and mailing address, by clicking on your name at the top of most WorkItOut.com screens and the choosing "Edit profile." We retain information provided to us indefinitely unless otherwise stated. We will keep some personal information you have requested to remove for the following purposes:
Therefore, you should not expect that all of your personal information will always be completely removed from our databases in response to your requests. SecurityHow we protect the security of your personal informationThe security of your personal information is very important to us, and we are committed to protecting the information we collect. WorkItOut.com uses firewalls and Secure Socket Layers for all personal data we collect from you. We also employ many different security techniques to protect personal data against loss, misuse, alteration, and unauthorized access. But we cannot guarantee perfect security of your personal information. Customer service and recourseChanges to the WorkItOut.com Privacy PolicyThis privacy policy was first posted on August 1, 2005. WorkItOut.com reserves the right to change, modify, or amend this policy at any time. Please also read over the WorkItOut.com Use Policy Agreement. WorkItOut.com takes privacy matters very seriously, and intends to stay at the forefront of privacy policy and protection matters. WorkItOut.com will occasionally update our privacy policy and we will post those updates on this page. You are responsible for revisiting this page to review our privacy policy updates. How to contact WorkItOut.com regarding your concerns and questionsPlease note that whenever you submit any information to us in connection with any services related to the WorkItOut.com site, you consent to let us process this information as necessary to provide the services in which you are participating. If you have any questions, comments, criticisms, or complaints about WorkItOut.com's privacy policy and/or the way it affects you, please feel free to email us at notices@workitout.com. Should you have a dispute regarding this privacy policy, we will resolve it and take any remedial action as we reasonably determine in our discretion and in accordance with applicable laws.
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