Privacy Policy

Privacy PolicyOnline System Innovations values its users and their concerns about privacy. To this end, Online System Innovations engages in consistent information practices and uses reasonable commercial efforts to clearly disclose those practices. This Privacy Policy is a part of that effort. The instances in which Online System Innovations collects, stores, uses and discloses information through your use of the Service, including the Online System Innovations network of sites (the "Service"), are specifically described in this Privacy Policy. This Privacy Policy is part of the End User License Agreement ("EULA") to which you agreed.

By using the Service, you are accepting the practices described in this Privacy Policy. If you do not agree to this Privacy Policy, please do not use the Service and do not disclose any information to us.

What does this Privacy Policy cover?
This Privacy Policy applies to the collection, use, storage and disclosure of information by Online System Innovations through your use of the Service. If there are any exceptions, we will clearly disclose them prior to collecting any information, and will give you an opportunity to choose not to participate or provide the information. By using the Service, you consent to the collection and use of your information as we outline in this Privacy Policy. Online System Innovations may decide to change this Privacy Policy from time to time. When we do, we will post any changes here so that you are always informed of the information we collect, how we use it, and the circumstances under which we disclose it. Please be aware that the Service provides links to Web sites operated by third parties, including the sponsors of our offers ("Sponsors"). For purposes of compliance with Gramm-Leach-Bliley Act, 15 U.S.C. 6802 (the "GLB Act"), this Privacy Policy shall serve as both your initial customer relationship and annual "Privacy Notice" as defined in the GLB Act. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for marketing purposes, please email us. However, where California residents opt-out from permitting their personal information to be shared with third party marketing partners, such individuals may still receive selected offers directly from us, in accordance with the law. Notwithstanding the foregoing, we agree not to share the social security number of California State residents with third parties without first obtaining their consent to do so pursuant to the terms and conditions set forth in the California Financial Privacy Act ("CFPA"). For purposes of complying with the CFPA, we will not share "nonpublic personal information" with our affiliates.

Third Party Ads
Online System Innovations uses third party advertising companies to serve ads when you visit the Service. These companies use information (not including your name, address, email address or telephone number) about your visit to the Service and other Web sites in order to provide advertisements about goods and services that may be of interest to you. If you would like more information about this practice and to know you choices about not having this information used by these companies, visit:

What information is collected and what ways (if any) is this information shared?
Online System Innovations is not responsible for the information collection or privacy practices or the content of third party Web sites, including web sites operated by our Sponsors and advertisers. Online System Innovations may collect any or all of the following types of information: (a) traffic or clickstream data, (b) cookies, (c) Internet Protocol ("IP") addresses, or (d) contact information and other personally identifying information. Online System Innovations collection and use of each type of data is described below, as well as the ways in which the data may be shared with third parties.

(a) Traffic or Clickstream Data. Data about traffic and usage is not personally identifying or identifiable, and is not supplemented or combined with personally identifying or identifiable information. Online System Innovations may share information it collects with certain selected third parties, but only in aggregated, anonymous form. For example, we may tell an advertiser or Sponsor that a certain number of people visited a certain area of our Web site or signed up for one of our Sponsor offers. Online System Innovations collects some information regarding use of the Service by observing browser functions and the files (pages) users access. For example, Online System Innovation's servers collect information about the site from which you entered to enable Online System Innovations to calculate and pay its affiliates, check for fraudulent behavior or other abnormalities and to ensure that our Service is technically superior. In addition to the foregoing applications, Online System Innovations uses the information (in aggregate form) to better design the Service.

(b) Cookies. Like many sites, Online System Innovations collects information about online behavior using cookies. These cookies contain identification information that enables us to offer you the most relevant advertisements and other content. Cookies let us know about repeat visitors and if we are delivering quality products and services. Online System Innovations may also use cookies to identify which sites our repeat visitors are coming from, so that we can place more of our online advertising on these sites, and can, where necessary, pay our affiliates and other business partners. To Online System Innovations, using information within cookies is an anonymous way to survey how we are doing and to look for ways to improve the value of the Service to you. You may set your browser software to reject cookies, but you may not be able to use all of the features of the Service. Online System Innovations may share information about usage of the Service with third parties, but only in aggregated, anonymous form, including reporting the results of advertising campaigns and the results of the campaigns to our Sponsors. Reporting and analyzing the performance of offers and advertisements improves our ability to serve the right offer at the right time, increasing the value to you.

(c) IP Addresses. An Internet Protocol ("IP") address is a set of numbers that is automatically assigned to your computer each time you connect to the Internet. When you use your web browser to request a web page from another computer on the Internet, your web browser automatically gives that computer your IP address so that the data you request can be sent to your computer. Through your IP address, Online System Innovations may track your Internet usage. Online System Innovations may strip a portion of numbers from your IP address and provide such information to our third-party sponsors. This information collected by Online System Innovations though your IP address is not personally identifiable.

(d) Contact Information or Personally Identifying Information. Online System Innovations may obtain access to your name, e-mail address, street address, phone number, wireless phone number, gender, marital status, and/or year of birth, and may obtain other contact and personally identifiable information when you: (1) register for the Service; (2) participate in a Online System Innovations survey; or (3) contact Online System Innovations in connection with problems, comments or requests.

When you opt-in to receive one of our Sponsor's offers, the personally identifiable information you provided to us is provided to each of the Sponsors whose offers you elected to receive. When you opt-in to participate in certain offers that state that your personally identifiable information may be shared with a number of Sponsors, the personally identifiable information you provide to us may be provided to a number of Sponsors who are interested in providing offers that may be of interest to you. By opting in, you agree that each Sponsor whose offer you elect to receive may contact you using the email address, telephone or wireless number, or other registration information you provided to Online System Innovations, including without limitation, by direct mail, SMS cell phone text messaging, and email, or telemarketing – including calling your wireless telephone number – which may also include the use of automated telephone dialing equipment. You may unsubscribe to these offers at any time. You should note that if you unsubscribe from one of our Sponsor's offers you may still receive information from the other Sponsors. Please see additional terms relating to specific Sponsors at the end of this Privacy Policy.

To the extent the contact information you provide to Online System Innovations includes that for one or more wireless devices, your provision of such information represents your agreement to be contacted thereby via email, text messaging or telemarketing, and your receipt of notice that your wireless provider may charge you in connection with receipt of incoming calls or messages, and that you may revoke authorization to be contacted by such means at any time. You agree that by submitting your personal information to the Service, including in connection with opting in to receive an offer from one of our Sponsors, this act constitutes a purchase, an inquiry and/or an application for purposes of applicable telemarketing laws. Notwithstanding that your telephone number may be listed on the federal Do-Not-Call Registry, Online System Innovations and its Sponsors retain the right to contact you via telemarketing pursuant to the business relationship established hereby, unless it is otherwise terminated, and you may be contacted by email, direct mail, and/or telephone by such Sponsors.

In addition, unless you opt-out of receiving information about offers or promotions from third parties other than Sponsors ("Third Parties") with whom you may have no relationship, Online System Innovations may disclose your personally identifiable information to such Third Parties. Online System Innovations may share your information with these Third Parties if it believes those parties may have special offers that may be of interest to you. These Third Parties may bring you the directed offers through direct mail, email and telemarketing. You may opt-out of receiving information about offers and promotions from Third Parties at any time by submitting an “Opt-out” email to us. Notwithstanding the foregoing, you may still receive information from Third Parties to whom Online System Innovations disclosed your personally identifiable information to prior to the time you opt-out. You should contact each Third Party in the event that you no longer want to receive information from that Third Party.

Contact information provided in connection with problems, comments or requests is used only to respond to those problems, comments or requests. This information is not stored or used in connection with traffic or clickstream data and is provided to a third party only as necessary to respond to the comment, problem or request. When you choose to participate in a contest or gift offer promotion, Online System Innovations uses such information to notify you if you win the contest or qualify for the gift offer. Online System Innovations also uses such information to provide a better, more relevant experience for you.

In order to provide the products or services you requested, Online System Innovations may disclose the information we collect to companies that perform services on our behalf, such as the credit reporting agencies from which we obtain your credit reports, credit card processors, email communications management firms or call center providers. Our third party service providers are contractually limited to using the information received from Online System Innovations solely for the purposes of providing you with the services you requested.

Online System Innovations may also disclose the information it collects if required by law or Online System Innovations reasonably believes that you are using the Services to commit unlawful acts. We may also disclose your email address to other third parties for suppression purposes in compliance with the requirements of the CAN-SPAM Act of 2003, as amended from time to time. In addition, as companies grow and change, we may buy and sell companies, subsidiaries and assets. In such transactions, customer information is generally one of the transferred business assets. In the event that Online System Innovations is acquired, your information may be one of the transferred assets.

Is data stored securely?
To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, Online System Innovations has put in place physical, electronic, and managerial procedures to safeguard and secure the information it collects online. However, data security is a constantly evolving art and science. You should consider any communication that you transmit to Online System Innovations (such as data, questions or answers, comments, or suggestions) as non-confidential, and agree that Online System Innovations will not be liable or responsible if information that belongs to you is intercepted and used by an unintended recipient.

While we use SSL encryption to protect sensitive information online, we also use commercially reasonable efforts to protect user information off-line. Only employees who need the information to perform a specific job (for example a billing clerk or a customer service representative) are granted access to personally identifiable information. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that there has been an information security breach. You will be notified by email in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determination of the scope of network damage, and to engage in remedial measures.

Is personally identifying information from or about children collected?
Online System Innovations uses commercially reasonable efforts not to collect, use or disclose individually identifiable information from children under the age of 14. The Services are limited to United States residents who are 18 years old and over.

How can I access or correct any personally identifying information about me?
To request a copy of the personally identifiable information you have sent to Online System Innovations, please send us an e-mail. You must provide your full name and the e-mail from which the request is received (and to which the response will be sent) must match the e-mail on file with Online System Innovations. You may then correct or delete such information using the procedures specified in the e-mail.