You must be aware that all your questions and responses, comments or suggestions to your questions will be available to the public the moment they are submitted to 15minutes4u.com and therefore no privacy can be expected. If privacy is a concern to you, you are strongly recommended not to use Service but to seek professional assistance from a lawyer.

15minutes4u.com has no obligation but reserves the right to modify or delete any question that may be viewed not appropriate for the public to view or not to respond to such questions. 15minutes4u.com cannot be held liable or accept any liability for any information a user submits to the website.

15minutes4u.com collects personal information when you register with 15minutes4u.com, when you use 15minutes4u.com products or services, when you visit 15minutes4u.com pages or the pages of certain 15minutes4u.com partners, and when you enter promotions or sweepstakes. 15minutes4u.com may combine information about you that we have with information we obtain from business partners or other companies.

When you register we may ask for information such as your name, email address, birth date, gender, ZIP code, occupation, industry, and personal interests. For some financial products and services we might also ask for your address, Social Security number, and information about your assets. When you register with 15minutes4u.com and sign in to our services, you are not anonymous to us.

15minutes4u.com collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer.

15minutes4u.com automatically receives and records information from your computer and browser, including your IP address, 15minutes4u.com cookie information, software and hardware attributes, and the page you request and the use pattern.

15minutes4u.com uses information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients. You must be older than 18 years old to use this Service.

15minutes4u.com does not rent, sell, or share personal information about you with other people or non-affiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

We provide the information to trusted partners who work on behalf of or with 15minutes4u.com under confidentiality agreements. These companies may use your personal information to help 15minutes4u.com communicate with you about offers from 15minutes4u.com and our marketing partners, or may use such information for their independent business purposes that are not under 15minutes4u.com’s control. You hereby expressly agree to such sharing and use of your personal information, as described in this paragraph or elsewhere in this Agreement..

We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims.

We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of 15minutes4u.com's terms of use, or as otherwise required by law.

We transfer information about you if 15minutes4u.com is acquired by or merged with another company. In this event, 15minutes4u.com will notify you by posting the acquisition or merger at the website. You hereby expressly consent to such merger or acquisition as long as the company resulted from the merger or acquisition would not treat your rights and obligations, as well as your rights related to privacy, materially different from what is contemplated in this Agreement.

15minutes4u.com displays targeted advertisements based on personal information. Advertisers (including ad serving companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria—for example, women ages 18-24 from a particular geographic area.

15minutes4u.com does not provide any personal information to the advertiser when you interact with or view a targeted ad. However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the assumption that you meet the targeting criteria used to display the ad.

15minutes4u.com advertisers include financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).

15minutes4u.com may set and access 15minutes4u.com cookies on your computer.

15minutes4u.com lets other companies that show advertisements on some of our pages set and access their cookies on your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one.

You can edit your 15minutes4u.com Account Information, including your marketing preferences, at any time. New categories of marketing communications might be added to the Marketing Preferences page from time to time where applicable. Users who visit this page can opt out of receiving future marketing communications from these new categories or they can unsubscribe by following instructions contained in the messages they receive.

We reserve the right to send you certain communications relating to the 15minutes4u.com service, such as service announcements, administrative messages and the 15minutes4u.com Newsletter, that are considered part of your 15minutes4u.com account, without offering you the opportunity to opt out of receiving them.

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs or any other business partners as we feel appropriate to promote the benefits and business of 15minutes4u.com.

We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.

15minutes4u.com may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your 15minutes4u.com account or by placing a prominent notice on our site.