Accurate as of June 22, 2008 

We realize the sensitive nature of the information you provide to us. This Privacy Policy describes how Modern Debt Solutions Inc. (MDS) collects, uses and disseminates information about users ("you") of this website ("website" or "site") that we collect online. By using this website, you agree to accept the terms and conditions of this Privacy Policy. If you do not agree to this Privacy Policy, please do not use this site. THE COMPANY RESERVES THE RIGHT TO UPDATE FROM TIME TO TIME, SO YOU SHOULD REVIEW THIS POLICY PERIODICALLY. Your use of this site following any changes means that you accept those changes.  

COLLECTION AND USE OF INFORMATION

1.1 Survey Information. MDS collects information about you when you voluntarily complete a Company survey, order form, registration page or other online request form, (collectively, a "Survey"). In Surveys, MDS or third-party partners may ask you to provide personally identifiable information, which may include your name, email address, street address, zip code, telephone numbers, birth date, gender, salary range, education and marital status, occupation, employment information, and such other information as may be requested from time to time. If a login or password is generated, you are responsible for maintaining the confidentiality of your login and password information.

1.2 Cookies, and Other Technology. MDS currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about you with Survey Information in our database. This internet-related information includes but is not limited to your IP address, the date and time you access the site, the URL that you just came from, which URL you go to next, which browser you are using and which operating system you are using. Additionally, the Company may use other new and evolving sources of information in the future (together, "Technology Information"). As a result, Company strongly encourages you to revisit this policy for any updates regarding its use of technology.

1. Cookies. A cookie is a small amount of data stored on the hard drive of your computer that allows the Company to associate your computer with your corresponding Survey Information that resides in Company's database. We may use cookie technology to improve your experience, remember your preferences customize the content you see, or authenticate our access to your Survey Information. If you do not accept cookies and use our site, you may be unable to use all of the features and functionality of our site.

1.3 Individual Information. As used herein, "Individual Information" means Survey Information, Third-Party Partner Survey Information, Technology Information, and any other information the Company gathers or receives about individuals.

1.4 No Information Collected from Children. The Company does not solicit information or target information of any kind to children under the age of 15. The Company will not knowingly collect or share any personal information about children under the age of 15.

1.5 Credit Card Information. The Company may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when you place an order with or through the Company. When you provide your Credit Card Information to the Company, such information is encrypted and is protected with SSL encryption software. The Company will use the Credit Card Information for the purpose of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to third party partners only as necessary to complete the purchase transaction. Credit Card Information is not included in the definition of "Individual Information" and is not shared with Third-Party Partners. 

USE OF INDIVIDUAL INFORMATION

2.1 Discretion to Use Information. We will not sell or rent your individual information to any third parties.

2.2 Email. We will only email you concerning updates of educational material or in response to email you have sent to MDS.

2.3 Storage of Individual Information. The Company stores Individual Information in a database on Company computers. Our computers have security measures (such as a firewall and monitoring) in place to protect against the loss, misuse, and alteration of the information under Company's control. The Company cannot guarantee that its security measures will prevent the Company computers from being illegally accessed.

2.4 Notification of Privacy Policy Changes. The Company's business may change from time to time and the Privacy Policy may change as well. The Company will post the changes here so you are always aware of what information is collected, how it is used, and under what circumstances, if any, it may be disclosed. You can determine if this Privacy Policy has been revised since your last visit by referring to the "Last Updated" date at the top of this page.

DISSEMINATION OF INDIVIDUAL INFORMATION

3.1 Other. The Company may disclose Individual Information to respond to subpoenas, court orders, regulatory requests and other legal process. The Company may also disclose or exchange Individual Information with other companies for fraud protection and credit risk reduction. The Company may disclose individual information to protect or defend the rights or property of the Company. The Company's web sites are located in the United States. If you are located in the European Union or anywhere outside the United States, any information you provide will be transferred to the United States. Your use of our web sites means that you consent to such transfers. 

PRIVACY PRACTICES OF THIRD PARTY PARTNERS

4.1 Advertiser cookies and web bugs. Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on their web sites and on the Internet generally may use their own cookies, web bugs, and other technology to collect information about individuals. The Company does not control Advertisers' use of such technology, and the Company has no responsibility for the use of such technology to gather information about individuals.

4.2 Links. The Web sites and email messages sometimes contain hypertext links to the web sites of third party partners. The Company is not responsible or liable for the privacy practices or the content of such other web sites. 

Other

5.1 More  Information. If you have questions about this policy, please contact us at :

privacy@moderndebtsolutions.com