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Privacy Policy

Todiversified.com has a firm commitment to privacy. We take your privacy concerns seriously and want to make every effort to address them as we strive to offer our site visitors a high quality, interactive and personalized experience. That is why we have adopted the following policy,  which explains our position on information gathering and how we intend to use  and share any information we collect. It is important to note that this policy applies only to information collected by Todiversified.com 
        
        Todiversified.com collects and stores Personally Identifiable Information such as your name, address, e-mail address, etc. What information we collect and store depends on the page you are visiting and the services you elect to participate in. We use this information to operate our  services, provide you with the highest quality services, offer you  opportunities we think will be of interest, and better tailor the advertising  you see from us to suit you. This information is not shared with anyone except as provided for in this Privacy Policy. More specifics on the information we collect are outlined within this policy.
        
          This privacy policy is subject to change from time to time.  If the policy is revised, a notice will be placed in the Member Center  where registered members of our service may also update their personal  information, subscribe to e-mail newsletters and revise the permissions that  they previously granted Todiversified.com. They may also receive an  e-mail outlining the change. Non-registered users of Todiversified.com  may view the privacy policy, including any revisions, by clicking on the  Privacy Policy link on the home page of Todiversified.com. If  the changes represent a material departure from our current policy or  materially affect users' rights and obligations, if feasible, the changes will  be posted on this page 30 days in advance of their effective date.
        

          What information we collect and how it is used
          Access to special content, services and features on Todiversified.com  requires users to be registered members at Todiversified.com. Member  registration requires you to provide certain Personally Identifiable  Information, such as your name, e-mail address, street address, gender, and  date of birth. You will be asked to select a member name and password so that  you have access to this information and can revise it in the future. To  complete the registration process, we will send you a validation e-mail message.  You must click the link in the e-mail to fully activate your membership  account. You will also have the opportunity to subscribe to e-mail newsletters  and alerts and elect to receive E-mail Offers sent to you on behalf of Todiversified.com  advertisers. Some features and services may require additional Personally  Identifiable Information or other demographic information. We may collect other  personal information when you provide feedback, comments, engage in chat,  message boards, interactive forums or participate in surveys, or if you contact  us offline. For example, when you enter contests you will be asked to also  provide your phone number so that we can reach you in the event you’ve won a  prize. All users may decline to share such information with us, by choosing not  to register on the web site or use our services. Only registered members,  however, may access certain content, services and features.
        
          You may also be asked to create a separate registration  account with some of the services provided by partners and other providers on Todiversified.com.  Be aware that the information collected by a  provider may be subject to the privacy policy and terms of use of that  provider, and we recommend reviewing these prior to submitting your  registration.
        If you wish to forward an article to a friend, we will ask  that you provide your friend’s name and e-mail address. While we may collect  statistics on which articles are forwarded, we do not sell, rent, or market  your friend’s personal information, and retain the information only as long as  necessary to provide this service.
        
          Passive Data Collection and Use

          Like most Web sites, Todiversified.com also collects  and logs information automatically and through the use of electronic tools that  may be transparent to you, such as your IP address, the name and location of  your Internet Service Provider, the type and version of your browser, the  length of time that you stay on Todiversified.com, search queries, your  click-stream data, the location that referred you to Todiversified.com  and the average number of pages viewed. If you visit another website prior to  browsing Todiversified.com, that website might place personally  identifiable information within a URL, which may be logged by us. Your IP address  is the identifier assigned to your particular computer when you access the  Internet. Depending on how you connect to the Internet, your IP address may  always be the same, or it may change each time you access the Internet. Note  that logging your IP address does not in and of itself provide us with your  name, e-mail address or home or work address. We use this log information for  systems administration and troubleshooting purposes and may also use it to  gather general demographic information about you such as your general location  and your Internet Service Provider. In order to better provide our services to  you and to develop member profiles that enable us to focus our site, services  and advertisements on your interests, we may correlate this log information  with other information about you, such as your registration information or  newspaper subscription records.
        
          Use of Cookies
          Most standard Web browsers contain a feature called  cookies, which allow a Web site to place information about a user's  visit to that Web site in a small data text file that is stored on the user's  computer. Our use of cookie technology will likely be transparent to you and is  used to recognize you and hold information from one visit to the next in an  effort to increase your ease of use of Todiversified.com and to allow us  to better understand how people use our site through click-stream analysis. For  example, cookies are used to store your membername and password, sparing you  from having to re-enter that information each time you visit. Another example  is that we may use cookie technology to control the number of times you see a  particular advertisement while visiting Todiversified.com. You can turn  the cookies feature off by using your browser preference options, but doing so  will severely limit your access to Todiversified.com and may prevent you  from registration.
        
          Some of Todiversified.com’s third party content  providers also may place a cookie on the user’s computer. If a user chooses to  monitor or restrict cookies that are placed on his computer, the user can  determine the Web site that is attempting to place a cookie. Those cookies are  controlled by the content provider, and users should refer to that provider’s  privacy policy for further information regarding its use of cookies.

        
          We use software developed by several other companies to  display advertising on Todiversified.com, and we may use cookies in  conjunction with displaying those ads. In addition, advertisers may elect to  use other advertising companies to serve their ads on Todiversified.com,  and advertisers themselves may also place a cookie on a user’s computer. We do  not have access to the cookies or their contents that are placed by advertisers  or by third-party advertising companies.
        
          Use of Personally Identifiable Information
          Personally Identifiable Information may be accessed by the  user who entered it and by Todiversified.com personnel, and by certain  third parties, such as those who provide technical support or content services  to Todiversified.com. We ask these third parties to keep any personal  information supplied by us confidential. We also endeavor to keep your  Personally Identifiable Information inaccessible to other users or advertisers  of Todiversified.com. Note that your first name may be displayed on Todiversified.com  when you visit Todiversified.com as a logged in member. We will also  display your e-mail address and contact information in your Member Center.  We make every effort to make the Member   Center secure, such that;  it can only be accessed by logging in with your member name and password.
        
          We also reserve the right to disclose Personally  Identifiable Information when deemed necessary or appropriate to comply with  the law, respond to claims, protect our computer systems and customers, ensure  the integrity and operation of our business and systems, or protect the rights,  property or safety of Todiversified.com, its affiliates, or others.

        
          We will not disclose your Personally Identifiable  Information without your advance permission except as explained in this privacy  policy or as explained at the time the information was collected.
        
          Use of Aggregated information
          In order to describe our services to prospective partners,  advertisers and others, we may use your Personally Identifiable Information to  create a compiled, aggregate view of the Todiversified.com audience and  their usage patterns. We use Aggregated Information to operate our services and  to better understand our audience as we develop new content and services.  Aggregated Information may also be shared with third parties we contract with  to provide content and services on Todiversified.com as well as  advertisers so that they can better understand our audience. For example, we  might disclose that a certain percentage of our users are female or within a  certain age range or live within a cluster of zip codes. 
        
          Children's Privacy

          Todiversified.com is particularly concerned with  providing a safe online environment for children. Children under the age 13  will not be allowed to register and become a member of Todiversified.com  in order to access general Todiversified.com content, features and  services.
        
          In the near future, parents and legal guardians of children  under age 13 who register are able to establish a member account for their  child by accessing the Member   Center. Other areas and  services operated by Todiversified.com that do not require registration  but that ask for Personally Identifiable Information from children under age 13  will require a parental consent before collecting the information. Further, we  limit most of our contests to people who are at least 18 years of age, making  children ineligible to enter.
        Parental consent to collect information about children can  be provided in two ways: (1) Fax a copy of a completed Parental Consent Form,  including your signature, to the facsimile number provided on the Parental  Consent Form. This form will be available in applicable areas of our site. (2)  Mail a completed Parental Consent Form to the address indicated.
        
          Todiversified.com will not knowingly disclose personal  information about users under the age of 13 without prior parental or legal  guardian consent, except as required by law. 
        Todiversified.com strongly recommends parental  supervision when a child uses the Internet, particularly when a child enters a  forum or uses e-mail. We also encourage parents to instruct their children not  to give out personal information in these areas.

        Member Mail and E-mail Offers
          
          Todiversified.com does not rent, sell, barter or give  away its user or member lists or its users' or members’ names, e-mail addresses  or mailing addresses for use by advertisers and other third parties for the  purpose of solicitations, unless the user has previously given his or her  consent at the time of general registration or registration for a specific  contest or service. If a user granted permission to receive solicitations  (referred to as E-mail Offers) at the time of registration but subsequently wishes  to opt out from receiving such solicitations, the user may go to the Member  Center and change one or more of the category-specific permission related to  receiving e-mail from 
          Todiversified.com advertisers.
        
          All registered users will receive periodic Member Mail via  e-mail related to their membership account or various features and services on Todiversified.com  that their membership entitles them to access. Because Member Mail is an  important part of our service to you, users cannot opt-out of receiving Member  Mail.
        

          When a user specifically authorizes e-mail solicitations we  make available the user names and other Personally Identifiable Information in  accordance with the applicable license.
        Our HTML-encoded e-mail messages may include graphic files,  which we use to gather information about e-mails sent our members. When such a  message is opened in an HTML-capable e-mail program, the recipient’s computer  accesses our server to retrieve the graphic file, and allows us to record and  store the date and time, the recipient’s e-mail address, and other standard  logging information. These HTML-encoded e-mail messages may also read cookies.
        Affiliated sites, linked sites and advertisements
          
          Todiversified.com expects its partners, providers of  content and services and advertisers to respect the privacy of our users. Be  aware, however, that third parties, including our partners, providers of  content and services, advertisers and others accessible through our site may  have their own privacy and data collection policies and practices. For example,  during your visit to Todiversified.com you may link to, or view as part  of a frame on a Todiversified.com page, certain content that is actually  created or hosted by a third party. Also through Todiversified.com you  may be introduced to, or be able to access information, services, Web sites,  features, contest or sweepstakes offered by other parties. Todiversified.com  is not responsible for the actions or policies of such third parties. You  should check the applicable privacy policies of those third parties when  providing information on a feature or page operated by a third party.
        
          Electronic commerce with Todiversified.com

          For certain electronic commerce services on Todiversified.com,  such as placing classified ads electronically we require additional  information. To complete these transactions, we may collect information from  you such as your name, credit card number and other financial or Personally  Identifiable Information. We endeavor to protect the security of your payment  information during transmission by using Secure Sockets Layer (SSL) technology,  which encrypts information you submit. We use the credit card and shipping  information for the purpose of completing the transaction and does not provide  this information to third parties except for the issuers of credit cards in  order to process the transaction, or as otherwise set forth in this policy.
        
          Changing your personal information
          In general, a registered member may return to his or her  account information page in the Member   Center to update the  information he or she previously provided to us. To prevent minors from  improperly entering contests for which they are not eligible, we may require  additional proof from people asking to change their birth date information.  Information you provide to Todiversified.com may be stored by us for an  indefinite time. This information includes the registration data as well as  information provided in conjunction with various membership services, contests  or features available on Todiversified.com
        
          You can delete your Todiversified.com membership  account in Member   Center by clicking on the  link labeled “delete my account.” By doing so, all but a transactional record  of your membership account will be removed from our databases, though some  records may remain on back-up media. Note that by deleting your account, you  will cancel your membership and no longer be able to access Todiversified.com.
        

          Remember the risks when you use the Internet
          You should know that when you voluntarily disclose personal  information on the Todiversified.com Web site (for example, in the  discussion forums), that information can be collected and used by others and  may result in unsolicited messages from other people. While we do our best to  protect your personal information, we cannot be responsible for information  that you choose to publicly disclose. Further, you are solely responsible for  maintaining the secrecy of any passwords or other account information. Although  we make good faith efforts to store the information we collect in a secure  operating environment that is not available to the public and to work with  responsible third parties, we cannot guarantee complete security for your  information.
        In addition, our advertisers, content providers, partners  and other Internet sites or services that may be accessible through Todiversified.com  have separate data and privacy practices that are independent of us, and we  disclaim any responsibility or liability for their policies or actions. Please  contact those sites directly if you have questions about their privacy  policies.
        
          International users
          If you are an international user, by using Todiversified.com  or by registering for any of its services, you agree that Todiversified.com  may collect, use and transfer your personal information as described in this  privacy policy, including transfers outside the country where you live. If you  reside in a country in the European Union or other jurisdiction that provides  access rights under law, you may access your personal information or have it  corrected or updated by going to your account information page and personally  updating the information. in accordance with applicable law by contacting us.  In some jurisdictions, you may be charged a reasonable fee for access to  information.

        
          Platform  for Privacy Preferences.
          Todiversified.com supports , the Platform for Privacy Preferences, which allows us to convey our privacy policies, to the extent possible, in standardized, machine-readable code. While our site supports , the resulting code has inherent limitations such that it does not  fully and may not accurately express all of our data practices. Some enabled browsers may interpret the same  code in different ways, while  others may interpret  code in a manner inconsistent with the original  intention. Accordingly, your browser’s interpretation of the  code should only be considered as a short-hand expression of our privacy practices. This Privacy Policy remains our primary policy, and takes precedence over the   code for all purposes.
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