Effective Date: [03/01/2013]

Thank you for choosing Premium Finance Tools LTD. Protecting your privacy and intellectual property rights is of utmost importance to us. This Privacy Policy outlines how Premium Finance Tools LTD collects, uses, maintains, and protects information collected from users (“Users”) of our website (“Site”) and any related products and services.

By accessing or using our Site, you agree to the collection, use, and disclosure of your information as described in this Privacy Policy. If you do not agree with the terms of this policy, please do not use our Site.

Information Collection

  • We may collect personal information from Users in various ways, including when Users visit our Site, register on the Site, place an order, subscribe to the newsletter, respond to a survey, fill out a form, and in connection with other activities, services, features, or resources we make available on our Site.
  • Personal identification information collected may include name, email address, mailing address, phone number, and payment details. Users may visit our Site anonymously, and personal information is only collected from Users if they voluntarily submit such information to us.

Information Usage

  • We may collect and use Users’ personal information for the following purposes:
    • To process transactions: We may use the information Users provide about themselves when placing an order only to provide service to that order. We do not share this information with outside parties except to the extent necessary to provide the service.
    • To send periodic emails: The email address provided by Users may be used to send information and updates pertaining to their order. It may also be used to respond to their inquiries, questions, and/or other requests. If Users decide to opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, etc. If at any time the User would like to unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of each email or User may contact us via our Site.
    • To improve customer service: Information provided by Users helps us respond to customer service requests and support needs more efficiently.

Information Protection

  • We implement appropriate data collection, storage, and processing practices and security measures to protect against unauthorized access, alteration, disclosure, or destruction of Users’ personal information, transaction information, and data stored on our Site.
  • Premium Finance Tools LTD owns all rights to the proprietary Excel templates provided on our Site. Users are granted a limited, personal, non-exclusive, and non-transferable license to use the templates for personal, non-commercial use only. Users may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the content on our Site, except as permitted under these Terms or as otherwise expressly authorized by Premium Finance Tools LTD.

Intellectual Property Rights

  • All intellectual property rights, including copyright, trademarks, and patents, in Premium Finance Tools LTD’s products and services, including the Excel templates, are owned by or licensed to Premium Finance Tools LTD. Users acknowledge and agree that all intellectual property rights in the products and services, including any derivative works thereof, belong exclusively to Premium Finance Tools LTD.

Changes to this Privacy Policy

  • Premium Finance Tools LTD reserves the right to update this privacy policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are protecting the personal information and intellectual property rights we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.