This statement discloses the privacy practices for the AmericanCashFlowJournal.com Web site.

Questions regarding this statement should be directed via email to info@americancashflow.com .

The foundation of AmericanCashFlowJournal.com is based on trust and it is for this reason that we hold a great deal of respect for the privacy of our users. In order to provide a richer feature set and to provide a more personalized user experience on the AmericanCashFlowJournal.com Web site, we collect information from our users. This Privacy Policy describes in detail the information we collect and how it is used and disseminated to provide a more fulfilling user experience.

1. The Information We Collect

   To use any of our services we may require you to provide us with contact information, such as your name, street address, phone number, and email address. In the event that you are using a paid service, we may collect your credit card number, expiration date, and billing information. To collect general demographic information on our user base, we may also request that you provide us with other personal information such as age, sex, occupation and interests. This information is strictly optional, however, and is not required to use our services.

   As you use our services, our servers will automatically track certain information about you. This information includes your IP address, 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. This is not unique to the AmericanCashFlowJournal.com website as many existing sites automatically collect this information. Your IP address will be used solely for administrative purposes and will not be linked to any personally identifiable information.

   We also use cookies on certain pages of our site, and for services requiring registration. This is done primarily for your benefit as cookies allow you to log on only once per session. Most cookies are automatically deleted at the end of a session. In addition, many browsers offer users the option of declining cookies. If you do not wish to accept cookies, please modify the settings in your browser. Your browser must be set to accept cookies if you wish to use the AmericanCashFlowJournal.com services available only to registered members.

2. Our Use of Your Information

   We use your IP address to help diagnose problems with our server, and to administer our Web site. Your IP address is also used to gather broad demographic information. Your IP address may be used in order to enforce certain policies within our User Agreement.

   Our site uses cookies mainly for the purpose of delivering content specific to your interests, and to save your password so you don't have to re-enter it each time you access a registered member only page. Cookies may also be used for other purposes at times.

   Our online surveys at times ask visitors for contact information such as their email address. We use contact data from our surveys to send the user information about our company. Users may opt-out of receiving future mailings; please see the Your Ability to Opt-Out section below.

   We may run contests on our site in which we ask visitors for contact information such as their email address, full name, and street address. We use contact data from our contests to contact our winners and to send users information about our company. Users may opt-out of receiving future mailings; please see the Your Ability to Opt-Out section below.

   This site contains links to hundreds of other sites. We are not responsible for the privacy practices or the content of such Web sites. Since AmericanCashFlowJournal.com does not control the privacy policies of third parties, such as but not limited to online auction sites, you are subject to the privacy customs and policies of that third party. We encourage you to ask questions and review their stated privacy policies before you disclose your personal information to others.

   We display ads on our site. These ads may contain cookies. While we use cookies in other parts of our Web site, cookies received with banner ads are collected by other ad companies, and we do not have access to this information.

   AmericanCashFlowJournal.com works with third party services that serve ads to this site.

3. Our Policies Regarding the Disclosure of Your Information

   We do not sell, rent, trade or otherwise share any personally identifiable information about our users to any third party. This includes, but is not limited to the names, addresses, email addresses, and phone numbers of our users. In addition, we will not disclose any personally identifiable financial or security related personally identifiable information such as credit card numbers and or passwords.

   We do aggregate broad demographic information on our user base, which we disclose to our current and prospective advertisers. In addition, this aggregated data is used internally for promotional purposes. We use the information about the interests of our users to increase the effectiveness of our marketing and promotional efforts and to customize our site's content and layout. We believe these uses allow us to create a personalized product that better satisfies our users' needs. We may also use information about you to deliver information to you that, in some cases, is targeted to your interests, such as targeted banners.

   Unfortunately, we cannot ensure the absolute privacy of any personally identifiable user information. For example, we may be forced to disclose information to government and/or law enforcement agencies or third parties under certain circumstances. AmericanCashFlowJournal.com cooperates with all law enforcement inquiries and reserves the right to reveal your identity (or whatever information we know about you) in the event of a complaint or legal action arising from your use of the services or features on the AmericanCashFlowJournal.com website. In addition, third parties may unlawfully intercept or access transmissions or private communications. Therefore, although we make it a practice not to disclose any personally identifiable information to any third party, we do not promise that your personally identifiable information or private communications will remain private.

   To utilize our member pages, or to create or modify Web Partner pages, we request your ACFJ user name and password. This information may be processed or stored by AmericanCashFlowJournal.com.

4. Your Control of Your Username and Password

   You may not disclose your username and password to any third party. If you lose control of your username and password, you may lose substantial control over your personally identifiable information. In addition, you may run the risk of another user accessing your username and password and using it to falsely represent your identity. If you have reason to believe that your username and password have been compromised for any reason, AmericanCashFlowJournal.com strongly recommends that you immediately change your username and password.

   Your Ability to Review and Change Your Personally Identifiable Information. You may at any time review and change your personally identifiable information at AmericanCashFlowJournal.com. This information includes but is not limited to your email address, street address, city, state, zip code, country, daytime phone number, password, or credit card number and expiration date. To change this information, contact the American Cash Flow Association at 1-800-253-1294.

5. Our Security Measures

   AmericanCashFlowJournal.com uses industry standard efforts such as firewalls and Secure Socket Layers to safeguard the confidentiality of your personally identifiable information. However, even the most robust security systems are not foolproof and users should consider this when revealing any personally identifiable information to any party over any form of media.

6. Contacting our Web Site

   If you have any questions about this privacy statement, or the privacy practices of AmericanCashFlowJournal.com, you can contact the company by sending an email to info@americancashflow.com. For general inquiries relating to the AmericanCashFlowJournal.com Web site, users may also send an email to info@americancashflow.com.