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Privacy Policy



Stand Sure Information Services, Inc. (“SSIS”) is committed to delivering reliable information to our customers and to protect the privacy and confidentiality of personally identifiable information (PII) about consumers. Safeguarding the privacy of information, both online and offline, is a top priority for you and SSIS. Accordingly, we take reasonable steps to:
  • Give you, as a visitor to our web site, clear notice when we are requesting information from you, the types of information we request from you, the general purposes for which that information will be used or disclosed, the categories of users to whom we provide the information, and offer you the ability to opt out of such uses online;
  • Only retain information provided by you, the user. Any other information such as information used by a third-party service for user authentication is neither recorded, retained, stored, maintained nor held by SSIS.
  • Maintain accurate records, provide you access to the personally identifiable information that is retrievable online and, provide you a fair procedure to update and correct data; and
  • Use safe and secure systems, physical and electronic, to safeguard the information about you.



The Information We Collect About You
The SSIS online privacy policy applies to all information we receive online from you and about you in connection with an online transaction. Other than in the situations described below, we do not collect information from or about you while you are accessing and using our web site. If you do not register or fill out any forms at an SSIS web site, such as in connection with the Personal Financial Management Instructional Course (“PFM Course”), no information is collected about you.
We only collect information from you or about you online when you: order products (PFM Course) from SSIS. In these situations we collect certain information from and about you to process your request and to verify your identity to be sure that we are providing the PFM Course or other services to the proper individual. This is for your protection and to help eliminate identity fraud and any other fraudulent orders.

Information From You
Specifically, we receive information from you when you register for the Personal Financial Management Instructional Course and other web-based services we provide through this web site. Additionally, when you order the PFM Course, in order to verify your identity, we ask you to complete two to six multiple-choice questions about information contained in your credit file. These are "non-wallet-type" questions to which only you are likely to know the answer. We do not retain your answers to the questions once we have verified your identity.

The specific Personal Identity Information we collect from you online for verification and processing of your requests may include:

• First and last name (middle initial and suffix, as applicable);
• Social Security number;
• Bankruptcy Case number;
• Date of birth;
• Gender;
• Home telephone number;
• E-mail address;
• Current and former mailing address;
• Credit card number and expiration date; and
• Drivers license number, state of issue, and address on license

We also receive information from you on-line when you send us e-mail, applications and other forms at our web sites.

Information From Others
We may also collect information about your transactions with us, our affiliates, or others, such as the products and services you ordered. In connection with requests for course segment authentication, we access your credit file information.

How We Use Information We Collect
We use the information we collect about you in connection with your ordering the PFM Course in order to provide you: 1) the PFM Course materials you requested; 2) support for the PFM Course and its associated services. We also use this information for various internal business purposes, such as billing, customer service, fraud prevention, and broadening and improving the PFM Course and services we can offer.
Additionally, we may use the information, including postal address and/or email address, to send you information and notices related to the PFM Course. (Of course, you may opt out of receiving such promotions. See the "CHOICE" section of this privacy policy.)

To Whom We May Disclose The Information We Collect
We do not disclose (sell, rent or provide) the personally identifiable information you provide to us online to any third party for any marketing purposes.
When PII is collected when you register at an SSIS web site other than as described above, the information will be disclosed, if at all, only with your permission.


Opting Out of Our Disclosure of Information to Third Parties
If you prefer that we not disclose to nonaffiliated third parties any PII that we collect about you in connection with the PFM Course, you may choose to opt out of such disclosures; that is, you may direct us not to make these disclosures.

Opting Out at Our PFM Course Web Page
If you have registered or filled out forms at the PFM Course web page, you may exercise your right to opt out of our disclosing information to unaffiliated third parties at the PFM Course web page by checking "Yes" in the appropriate box on the User Name web page where you select your User ID and Secret Question. You may also exercise your rights to opt out any time you log into the Website by accessing the Member Center and click on the Opt-Out Option on the navigation bar at the top of the page.

Opting Out of our PFM Course Promotional Offers
As stated in the "Notice" section of this privacy policy, SSIS may send you promotional offers by email. You may automatically opt out of further promotional offers by clicking on the "unsubscribe" button in the email.


If you have ordered the PFM Course, you can, at any time, go to the Account Management Center to review and change your user ID, password, email address, and secret question. Other PII, such as name, postal address, and Social Security number, are collected and stored when you order the PFM Course. Since this information is not maintained in a form retrievable by consumers, we are not able to provide you access to it. As mentioned in the "How We Use Information" section, this information is maintained in order for SSIS to: 1) comply with legal requirements regarding billing; 2) provide customer support services; and 3) easily provide notices of new Products or enhancements.


SSIS recognizes the importance of secure online transactions, and we safeguard the privacy of information you provide us through online forms. For your product orders submitted to us online, we use programs that encrypt the information you provide on the order form before transmission to SSIS. The information is decrypted only upon receipt by SSIS. Except as set forth in the" "To Whom We Disclose The Information We Collect" section above, we restrict access to PII that is collected about you to only those who have a need to know that information in connection with the purposes for which it is collected and used. Additionally, we maintain physical, electronic, and procedural safeguards to guard your PII. Information you provide us when you register for and order the PFM Course or services online is transmitted to us through a secured socket layer (SSL) transmission.
Further, we have security protocols and measures in place to protect the PII we maintain about you from unauthorized access or alteration. These measures include internal and external firewalls, physical security and technological security measures, and encryption of certain information.
You also have a role in protecting the security of information about you. For example, you should guard your password to the Member Center, permit unauthorized use of your account for Products, use best security practices for your computer equipment.


"Accountability" is generally recognized as an important component of "Fair Information Practices" and refers to the process that a company has in place to be sure it adheres to its privacy policy. It also means that a redress process exists to address privacy policy compliance questions.
We take reasonable precautions to be sure that unaffiliated third parties or affiliates, to whom information is disclosed, as described above, are aware of our privacy policy and fair information principles and that they will treat the personally identifiable information in a similarly responsible manner. Our contracts and written agreements with unaffiliated third parties that receive information from us about consumers who have not opted out of this disclosure prevent further transfer of the information.
SSIS is not, however, responsible for the privacy practices or content of link sites listed on our web pages. The owners of these link sites are responsible for them.


What is a Cookie?
A cookie is a piece of text information that a web server may transfer to the hard drive of your computer through your web browser when you visit our website. Cookies are commonly used by websites to improve your experience and to enable systems to recognize your browser. Some cookies may last only through a single visit (session cookie); others may have an expiration date; still others may remain on your computer until you delete them (persistent cookie).
Only the information that you provide, or the choices you make while visiting a website, can be stored in a cookie. For example, the site cannot determine your e-mail name unless you choose to type it. Allowing a website to create a cookie does not give that or any other site access to the rest of your computer, and only the site that created the cookie can interpret it.
How We Use Cookies: We use session and persistent cookie technology for several purposes. For example, cookies:

• allow you to order more than once during a visit without your having to re-enter your information each time you place an order for the PFM Course;
• allow us to gather aggregated statistical data about the use of our website for research purposes;
• help us improve your navigation of our website;
• enable us to store your preferences for certain kinds of information and marketing offers;
• help us provide features such as personalized greetings;
• allow us to store your username and encrypted customer identification number so that we recognize you when you return to our website;
• and to help us combat identity theft and fraud with more reliable identity verification and authentication data.

Our cookies will only collect information during your online activity at our website, not during any of your other Internet activity. Cookies set by us or our agents are not able to be interpreted by or shared with any other third party without your explicit consent.
We may combine cookie data with personally identifiable information you provide to us (e.g., your email address) so that you may receive marketing offers likely to be of interest to you. Of course, you may opt out of receiving these offers at any time by following the instructions in the marketing offer.
We may sometimes use outside technology companies to set cookies on our website and collect cookie information for us. We use the cookie information collected by these companies in the same manner as stated above in this section. Those companies may not use these cookies for their own internal purposes or share the information collected with any party other than SSIS.

How You Can Accept or Reject Cookies:
You can decide if and how your computer will accept a cookie by establishing your preferences in your web browser. Please understand that, if you choose to reject cookies, you may not be able to use certain online services or website features.
Internet Explorer is set up to allow the creation of cookies; however, you can specify that you be prompted before a site puts a cookie on your hard disk, so you can choose to allow or disallow the cookie; or you can prevent Internet Explorer from accepting any cookies.
You can specify different settings for different security zones. For example, you might want to allow websites to create cookies if they are in your Trusted sites or Local intranet zone, prompt you before creating cookies if they are in your Internet zone, and never allow cookies if they are in your Restricted sites zone.


This online privacy policy applies to individuals using the PFM Course and related services provided through the web site for personal, family or household purposes. Certain practices described and rights provided herein may not apply to institutional users or individuals who use the PFM Course for commercial purposes.


We want you to be fully informed about how we will protect your privacy. We may change our privacy policy in the future, but we will not change our practices until they have been posted at this website. If changes occur, we will also show the date of revision. You agree that we may notify you of changes in our policy through this web site.


If you have questions or comments about SSIS’s online privacy policy and fair information practices, please write to Stand Sure Information Services, Inc., 16 Arnold Park, Rochester, NY 14607.




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