FiPath4Advisors, LLC (hereafter “FiPath”) the owner of the REFERMEIQ™ trade name and product believes strongly in maintaining the privacy of nonpublic personal information we collect from individuals who visit our web site. We want you to understand how and why we collect, use and disclose the personal information about you on our web site. This Web Site Privacy Policy provides you with information concerning our practices and procedures as they relate specifically to information we collect at this web site. If you have additional questions or would like further information on this topic, please feel free to write to our Webmaster. We may update this policy from time to time, so please check this Policy periodically for changes.

PERSONAL INFORMATION WE COLLECT AND USE AT THIS WEB SITE

We gather customer information needed to provide you with superior service, communicate information that we believe will be of interest to you and to administer our business.

We do not collect any personal information about you at our web site unless you choose to provide it to us voluntarily. We define “personal information” as information that is unique to you. Examples might include your birth date, or we may ask you to voluntarily provide other personally identifiable information if you subscribe to an email program (information such as your e-mail address), or choose to provide us with your preference information (such as interests and financial objectives). If you encounter a screen or page that requests information you do not want to share with us, do not enter the information and do not proceed with that screen or page.

If you do provide us with personal information, we will only use it for the purposes described where it is collected or to aggregate data in a manner that does not identify you for benchmarking purposes, and we will not sell, license, transmit or disclose this information outside of FiPath or our affiliates unless (1) you expressly authorize us to do so, (2) in order to provide our services to you, (3) it is disclosed to entities that perform marketing or data aggregation services on our behalf, (4) it is necessary in connection with a sale of all or substantially all of the assets of FiPath or the merger of FiPath into another entity or any consolidation, share exchange, combination, reorganization, or like transaction in which FiPath is not the survivor, or (5) otherwise as we are required or permitted by law.

There may be services and products offered by third parties advertising on our websites, and entities and individuals unaffiliated with us may recommend use of their services on our websites. If you choose to use any such products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies. You should evaluate the practices of external services providers before deciding to use their services. We are not responsible for their privacy practices. If you click on a link to a third party site, we encourage you to check the privacy policy of that site.

If you are a California resident, you may ask us to refrain from sharing your information (whether collected online or offline) with third parties for their marketing purposes. Please tell us your preference by contacting us as indicated in the “How to Contact Us” section of this Policy.

WE DO NOT COLLECT INFORMATION FROM CHILDREN

We are strongly committed to preserving online privacy for all of our web site visitors, including children. REFERMEIQ.com is designed for use only by persons over the age of 18, and we never knowingly collect information about children or sell products to children. Consistent with the Children’s Online Privacy Protection Act, we will not knowingly collect any information from children under the age of 13. Furthermore, we may restrict entries to any contests, sweepstakes or promotions to entrants who are at least 18 years of age.

EMAIL

We appreciate your questions and comments about our web site and services and welcome your email messages to mailboxes listed on our web site. We will share your messages with those within our organization who are most capable of addressing the issues contained in your message. We will keep a copy of your message until we have had an opportunity to address your concerns. We may archive your message for a certain period of time or discard it, but your email address will not be used for any other purpose.

CONFIDENTIALITY AND SECURITY

We restrict access to personal information collected about you at our website to our employees, our affiliates’ employees, or others who need to know that information to provide services to you or in the course of conducting our normal business operations. While no website can guarantee security, we maintain appropriate physical, electronic, and procedural safeguards to protect your personal information collected via the website. We protect our databases with various physical, technical and procedural measures and we restrict access to your information by unauthorized persons. We also advise all of our employees about their responsibility to protect customer data and we provide them with appropriate guidelines for adhering to our Company’s business ethics standards and confidentiality policies.

THE RIGHT TO VERIFY THE ACCURACY OF INFORMATION WE COLLECT

Keeping information accurate and up to date is important to us. You can personalize your use of our website by becoming a registered user and by doing so we are better able to assist you with your specific needs. Once registered, you can review and maintain your account information at any time. Your account information is secure and is accessible by using a password that you select. Do not share your password with anyone.

CONTESTS, GAMES AND OTHER PROMOTIONS

On our website, you may wish to participate in contests, games and other promotions that we may offer from time to time. Through these promotions, you may choose to participate in activities such as sharing information found on our websites with others and sending email invitations. If you choose to participate in these promotions, and are eligible to do so, we may ask you for information such as your name, email address, date of birth and telephone number.

We use the information you provide to administer the contests, games and other promotions and to communicate with you. We may also aggregate such information in a manner that does not identify you and use it for benchmarking purposes. As mentioned above, if you create a profile and submit an entry in connection with a contest or promotion, your name, profile and entry, but not your email address, phone number and age, will be visible to other website users. We will not use information you provide about other people for any purpose except the purpose you direct without first getting their consent.

LINKS TO OTHER SITES

For your convenience we may provide links to other web sites and web pages that we do not control. We cannot be responsible for the privacy practices of any web sites or pages not under our control and we do not endorse any of these web sites or pages, the services or products described or offered on such sites or pages, or any of the content contained on those sites or pages.

USE OF “COOKIES” OR OTHER DATA COLLECTION TOOLS

A cookie is a piece of information which a web server may place on your computer when you visit a web site. Cookies are commonly used by web sites to improve the user experience and have not been known to transmit computer viruses or otherwise harm your computer. Many cookies last only through a single web site session, or visit. Others may have an expiration date, or may remain on your computer until you delete them.

We may use cookies for a number of purposes – for example, to maintain continuity during a user session, to gather data about the usage of our web site for research and other purposes, to store your preferences for certain kinds of information and marketing offers, or to store a user name or encrypted identification number so that you do not have to provide this information every time you return to our web site. Our cookies will track only your activity relating to your online activity on this web site, and will not track your other Internet activity. Our cookies do not gather personally identifiable information.

You can decide if and how your computer will accept a cookie by configuring your preferences or options in your browser. However, if you choose to reject cookies, you may not be able to use certain of our online products and services or web site features.

We may occasionally use other companies to set cookies on our web site and gather cookie information for us. In some cases, we may also use another company to operate web servers or process credit card purchases for our web site. We use the cookie information gathered by these companies in the same manner as stated above. In addition to the information we collect from cookies, we also obtain information which you provide to us online or through other communication with us. In some cases, we retain both the cookie information and/or the information you provide to us online. In other cases, we only retain the cookie and/or online information you give us if you request us to do so for your use in subsequent sessions. An IP address is a unique identifier that certain electronic devices use to identify and communicate with each other on the Internet. When you visit our website, we may view the IP address of the device you use to connect to the Internet. We use this information to determine the general physical location of the device and understand from what regions of the world our website visitors come. We also may use this information to enhance our website.

Certain pages on our websites contain “web beacons” (also known as Internet tags, pixel tags and clear GIFs). These web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party.

PROMOTIONAL EMAILS

If we send you any promotional emails, and you would no longer like to receive such emails, please simply follow the “Unsubscribe” instructions on those emails. Your e-mail address will be removed from our marketing list. Please allow us a reasonable period of time in order to satisfy your request.

VISITING OUR WEBSITE FROM OUTSIDE OF THE UNITED STATES

If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored or processed in the United States, where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country, but please be assured that we take steps to protect your privacy. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Policy.

CHANGES TO OUR WEB SITE PRIVACY POLICY

We may change this Policy at any time and from time to time. The most recent version of the Policy is reflected by the version date located at the bottom of this Policy. This Policy is not intended to and does not create any contractual or other legal right in or on behalf of any party.

CONTACTING US

If you have any questions about this Policy or would like to learn more about how we protect privacy, please contact us as directed on our websites.