What This Privacy Policy Covers

• This policy covers how VGIS treats personal information that VGIS collects and receives, including information related to your past use of VGIS products and services. Personal information is information about you that is personally identifiable like your name, address, email address, and/or phone number, and that is not otherwise publicly available.

• This policy does not apply to the practices of companies that VGIS does not own and/or control, or to people that VGIS does not employ amd/or manage. In addition, some companies that VGIS has now and may in the future acquire either have their own preexisting privacy policies or may are subject to the terms and provisions of this privacy policy.

Information Collection and Use

General

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

• When you register we 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 VGIS and sign in to our services you are not anonymous to us.

• VGIS 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.

• Select VGIS systems may occasionally automatically receive and record information from your computer and browser, including your IP address, VGIS cookie information, software and hardware attributes, and the page and/or pages that you request.

• VGIS may use this information in the following ways: advertising and content customization, products and services fulfillment purposes, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients.

Children

• When a child under age 13 attempts to register with VGIS, we ask the child obtain parental or guardian permission and have a parent or guardian approve the account.

• VGIS does not contact children under age 13 about special offers or for marketing purposes without a parent's permission.

• VGIS does not ask a child under age 13 for more personal information, as a condition of participation, than is reasonably necessary to participate in a given activity and/or promotion.

Information Sharing and Disclosure

• VGIS may rent, sell, and/or share personal information about you with other people and firms who you have authorized us to share your personal information with. In addition we may also share your information with other VGIS owned and/or controlled or otherwise affiliated companies to provide products or services either you have requested, or to help improve the overall VGIS experience when visiting one of our many developed and developing systems. We share your information with the following non-affiliated persons and firms in the following manner:

o We provide the information to trusted partners who work on behalf of or with VGIS under confidentiality agreements. These companies may use your personal information to help VGIS communicate with you about offers from VGIS and our marketing partners. However, these companies do not have any independent right to share this information beyond the scope of our directed relationship with them.

o We have a parent's permission to share the information if the user is a child under age 13 and under the age of 18 in some cases. Parents have the option of allowing VGIS to collect and use their child's information without consenting to VGIS sharing of this information with people and companies who may use this information for their own purposes.

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

o We believe it is necessary to share information in order to investigate, prevent, and/or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of VGIS's Terms of Service, or as otherwise required by law.

o We transfer information about you if VGIS is acquired by or merged with another company.

• VGIS may display 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.

o Occasionally VGIS shares or may share with our advertisers personal information when you interact with or view a targeted ad.

o VGIS advertisers include, however are not limited to: financial service providers (such as banks, insurance agents, stock brokers and mortgage lenders) and non-financial companies (such as stores, airlines, and software companies, property managers, property owners, real estate agents, restaurants, etc.).

• VGIS works with vendors, partners, advertisers, affiliates, subsidiary companies and other service providers in different industries and categories of business.

Cookies

• VGIS may set and access VGIS cookies on your computer.

• VGIS may allow 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. Advertisers or other companies may or may not have access to VGIS's cookies.

• VGIS uses its own proprietary technologies to access VGIS cookies inside and outside our network of web sites and in connection with VGIS products and services.

Your Ability to Edit and Delete Your Account Information and Preferences

General

• You can edit your VGIS Account Information, including your marketing preferences, at any time the system is available to do so (routine maintenance and system updates and upgrades may occasionally render the system unavailable).

• New categories of marketing communications might be added to the Marketing Preferences page from time to time. 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 VGIS service, such as service announcements, administrative messages and the VGIS Newsletter, that are considered part of your VGIS account, without offering you the opportunity to opt out of receiving them.

• You can delete your VGIS account by visiting our Account Deletion (or User Accounts Page) page. Some personally identifiable information may remain on file in our data systems and in our archived records after your account has been deleted, indefinitely and/or for a specific period of time.

Children

• Parents can review, edit, and delete information relating to their child's VGIS account in the same manner the account was created.

Confidentiality and Security

• 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.

Changes to this Privacy Policy

• VGIS may update this policy at any time without notice to you.

Questions and Suggestions

• If you have questions and/or suggestions, please or you can contact us at:

VGIS Inc.
Privacy Policy Issues
PO BOX 8523
Fayetteville, AR 72703-0010

Effective Date: April 11th, 2008