Effective Date: January 20, 2010.
4Structures.com will be collecting and tracking information about your activities on the Website on an aggregate and or individual basis and will know and keep track of precisely who you are (the "Information"). This is done to keep track of what users may be interested in and to facilitate our marketing and servicing efforts. 4Structures.com does not share personally identifiable information with third parties for their promotional purposes. However, we may use such Information to contact you either by e-mail or by regular mail or telephone in accordance with the Terms and Conditions or for the purpose of providing you with Services.
4Structures may also collect, and use information that you provide through one or more of its Services, including information related to a lawsuit, other legal or financial matters and personally identifiable information of other persons (collectively, "Third Party Information"), for the purpose of providing you with Services.
4Structures.com also places Internet cookies on the hard drive of your computer. Internet cookies save a visitor's name, password, user-name, screen preferences, the pages of the Website viewed by the visitor and the advertisements, if any, viewed or clicked by the visitor. When the visitor returns to the Website, 4Structures.com will recognize the visitor by the Internet cookie and customize the visitor's experience accordingly.
USE OF INFORMATION GATHERED
4Structures.com uses the First Party Information to analyze what its users like and don't like about the Website or Services so that it can design better products and services. Information about what you are searching for also helps focus the products and services presented to you, in an effort to make them more valuable to you. However, 4Structures.com will not sell or disclose any personally identifiable First Party Information without your express written consent, unless compelled to do so by law. 4Structures.com may disclose personally identifiable First Party Information about you when required to do so by law and when we have a good-faith belief that such action is necessary to comply with an appropriate law enforcement investigation or current judicial proceeding.
In conducting its business 4Structures.com may provide certain third parties with Third Party Information in order to provide services to its clients. For example, and without limitation, personally identifiable Information of a user or another person associated with a case handled by 4Structures.com may be provided to a service provider in connection with a structured settlement or the purchase of an insurance product. Our service providers may include life insurers, annuity issuers, structured settlement consultants, attorneys, qualified settlement trust trustees, trust companies or other professionals that may be necessary to provide our Services.
By providing information to 4Structures.com, whether First Party Information or Third Party Information, whether such information is entered into 4Structures.com's computer system by a user or by 4Structures.com directly, the discloser of such information understands and acknowledges that the information may be disclosed by 4Structures.com for such purposes and such disclosure and use is thereby authorized by the user in accordance with the Terms and Conditions.
SPECIAL POLICY WITH REGARDS TO INFORMATION FROM CHILDREN
In accordance with the Federal Children's Online Privacy Protection Act (COPPA), 4Structures.com will never knowingly request personally identifiable information from anyone under the age of 13 without parental consent. 4Structures.com is not intended for users under the age of thirteen. If you are authorized to provide information to 4Structures.com in connection with any structured settlement case, settlement planning case, or other matter involving personally identifiable information of a person aged 13 or younger, you may be required to provide 4Structures.com with written evidence of such authorization from a parent or guardian of such minor person prior to disclosing or accessing such information or Services.
E-MAIL COMMUNICATIONS AND OPTING OUT
E-mail is an important communication channel between 4Structures.com, its users and prospective customers. E-mail sent to 4Structures.com from within our Website (after you have logged on with your account number and password) is secured with the same Secure Socket Layer (SSL) technology used to transmit private account information. So please remember that any e-mail you send to 4Structures.com identifying your account should originate from within our Website. 4Structures.com reserves the right to use your e-mail address to send you important regulatory information or legal notices relating to your account.
You may opt out of receiving email regarding products, Services and information from 4Structures.com at any time by sending an email to firstname.lastname@example.org indicating your desire to not receive any further email communications regarding products, Services and information from 4Structures.com.
If, however, 4Structures.com is going to use personally identifiable information of a user in a manner different from that stated at the time of collection the user will be notified via email. Users will have a choice as to whether or not their information is used in this different manner. However, if users have opted out of all communication with 4Structures.com, or deleted or deactivated their account, then they will not be contacted, nor will their personal information be used in this new manner. In addition, if any material changes are made to 4Structures.com's privacy practices that do not affect user information already stored in a 4Structures.com database, a notice will be posted prominently on this Website notifying users of such change(s).
NO LIABILITY FOR ACTS OF THIRD PARTIES
Although 4Structures.com will use all reasonable efforts to safeguard the confidentiality of the Information, transmissions made by means of the Internet cannot be made absolutely secure. 4Structures.com shall have no liability for disclosure or access to Information due to errors in transmission, unauthorized access, or other acts of third parties, as further described in Terms and Conditions.
4Structures.com may provide links to other websites as part of our Services. 4Structures.com does not control these other websites, is not responsible for them, and makes no representations as to their information collection practices. 4Structures.com encourages you to review and understand the privacy policies on these websites before providing any information to them. Any complaints regarding this Website, or any website of 4Structures.com's licensors or affiliates should be submitted to 4Structures.com at (888) 325-8640 or email@example.com. The fact that 4Structures.com provides any such links is not an endorsement, authorization, sponsorship, or affiliation with respect to such website, its privacy and or security policies, its owners, or its providers. You agree that under no circumstances will you hold 4Structures.com liable for any loss or damage caused by use of or reliance on the information collection practices of any other website.
4Structures.com has taken reasonable security measures to help protect against the loss, misuse and alteration of the information under its control. All information is stored in a secure operating environment. When sending sensitive information across the Internet - including your username, password - 4Structures.com uses encryption software to encrypt all information sent or received so that it cannot be intercepted and used by a foreign party. Once your information is received, it is stored on a secure server, and access to your data is restricted to you and authorized personnel. 4Structures.com also restricts access to the personal and account information of customers to those employees and third parties who need to know that information in the course of their job responsibilities and as required for 4Structures.com to provide Services to customers.
Any personal information you send us is encrypted by Secure Socket Layers (SSL), which protects information you submit or receive through this Website. In addition, any sensitive personal information that you send to our Website (such as social security number or mother's maiden name) is held in a secured environment, protected by tools such as firewalls and/or database field encryption. 4Structures.com uses firewalls to help limit entry by anyone without proper authorization. A firewall is a security mechanism that (1) regulates the data going in and out of a network,(2) it is a commonly used, specialized computer which acts as a shield against data going in or out of a network, and (3) It checks to make sure that communications only occur between approved individuals and that the communication is in the proper protocol.
No representation is made, however, regarding the unconditional security of such submissions. 4Structures.com requires that your browser support SSL, and does not allow information to be stored on your hard drive unless you specifically download it and save it on your computer. For security reasons, access to this site is limited to SSL-capable browsers like Netscape Navigator 6.2 or higher or Microsoft's Internet Explorer 6.0 or higher. These browsers will activate SSL automatically whenever you sign on to your 4Structures.com account. Under no circumstances should you use any software, program, application, or any other device to access or log-in to the website, or to automate the process of obtaining, downloading, transferring, or transmitting any content to or from 4Structures.com's computer systems, website, or proprietary software.
You can tell if you are visiting a secure area within a website by looking at the symbol on the bottom of your browser screen. If you are using Netscape Navigator or Internet Explorer, you will see either a lock or a key. When the symbol appears unbroken or the padlock is in the locked position, your session connection is taking place via a secure server. If you need a strong encryption browser, you can go to the Netscape website or the Microsoft website to download the latest Navigator or Internet Explorer browser. We do not recommend the use of beta browser versions.
YOUR PASSWORD AND OTHER SECURITY ISSUES
Your 4Structures.com username and password are your private entry keys into your in4structure® account or other member only areas of the Website. You should never share it with anyone (even your secretary, paralegal or assistant, for whom we can set up a separate in4structure® account), and you should change it periodically.
If you are a customer and have a concern about your personal or account information maintained at 4Structures.com, or want to correct, update, or confirm your information, please contact us at (888)325-8640 or firstname.lastname@example.org. You may also change your username, password or other registration information at any time after logging in by clicking on your Account Tools.
If you forget your password, please click on the "I forgot My Password" button on the Home Page of the Website. Then simply follow the instructions to reset your password. If you have any questions please contact 4Structures.com at 43 Harbor Drive, #309, Stamford, CT 06902, by telephone at (888) 325-8640 or by email at email@example.com.
After you've finished accessing your 4Structures.com account, don't forget to log off. This prevents someone else from accessing your account if you leave your computer and your session hasn't automatically shut down.