SkipSource.com Privacy Policy

The Privacy Policy below governs your transactions as well as any information you provide on Skipsource.com

1. Introduction
2. Information We Collect
3. Our Use and Disclosure of Information
4. Information Security
5. Contacting Us

A. Introduction

In order to provide services transactions and to reduce the risk of fraud, Skipsource.com (“MRG” or “we”) must ask you to provide us with information about yourself and your credit card and/or bank account. This Privacy Policy describes the information we collect and how we use that information. MRG takes the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. This Privacy Policy applies to all services that are hosted on the SkipSource.com Web site.

In order to enhance the protection of your privacy and our compliance with this Privacy Policy, MRG has agreed to disclose our information practices and to have our practices reviewed for compliance by TRUSTe. TRUSTe is an independent, non-profit organization whose mission is to build users' trust and confidence in the Internet by promoting the use of fair information practices. By displaying the TRUSTe trustmark (currently under review by www.truste.org, MRG has agreed to notify you of:

1. What personally identifiable information of yours is collected by this website.
2. The organization collecting the information.
3. How the information is used.
4. With whom the information may be shared.
5. What choices are available to you regarding collection, use and distribution of the information.
6. The kind of security procedures that are in place to protect the loss, misuse or alteration of information under our control.
7. How you can correct any inaccuracies in the information.

If you have questions or concerns regarding this Privacy Policy, you should first contact MRG by e-mail at privacy@skipsource.com. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe www.truste.org/users/users_watchdog.html. TRUSTe will then serve as a liaison with MRG to resolve your concerns.

Notification of Changes

This policy may be revised over time as new features are added to the SkipSource.com website or as we incorporate suggestions from our customers. We will post the amended Privacy Policy prominently on our Web site so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the SkipSource.com Web site at any time for the most current version of our Privacy Policy.

The SkipSource.com Web site includes links to third party Web sites. These sites are governed by their own privacy statements, and MRG is not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third party Web sites should review the privacy statement of these sites before providing them with personally identifiable information.

B. Information We Collect

Required Information

When requesting services and/or applying for membership at www.SkipSource.com, you must provide information which includes your name, address, phone number, e-mail address, credit card, debit card or bank account information. This required information is necessary for us to extend requested services, grant memberships, process transactions, issue a new password if you forget or lose your password, protect you against credit card fraud and checking account fraud, and to contact you should the need arise in administering your account.

Information About You From Third Parties

In order to protect all our customers against potential fraud, we verify with third parties the information you provide. In the course of such verification, we receive personally identifiable information about you from such services. In particular, if you use a credit card or debit card to request services through this Web site, we will use card authorization and fraud screening services to verify that your card information and address matches the information that you supplied to us, and that the card has not been reported as lost or stolen.

Additional Verification

If we cannot verify the information that you provide, we will ask you to send us additional information by fax (such as your drivers’ license, credit card statement, and/or a recent utility bill or other information linking you to the applicable address), or to answer additional questions online to help verify your information.

Web Site Traffic Information

Because of the way that World Wide Web communication standards work, when you arrive at or leave the SkipSource.com Web site, we receive only the Web address of the site that you came from and the one you exit to. We also collect information on which pages of our Web site you visit while you are on the SkipSource.com site, the type of browser you use and the times you access our Web site. We use this information only to try to understand our customers’ preferences better and to manage the load on our servers so as to improve our service and your experience with us. We do not track the Web sites that you visit before or after you leave the SkipSource.com site.

Our Use of “Cookies”

There are no use of "Cookies" on the SkipSource.com website.

Customer Service Correspondence

If you send us correspondence, including e-mails and faxes, we retain such information in the records of your account. We will also retain customer service correspondence and other correspondence from MRG to you. We retain these records in order to measure and improve our customer service, and to investigate potential fraud and violations of our Terms of Use. We may, over time, delete these records if permitted by law.

Questionnaires, Surveys and Profile Data

From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

C. Our Use and Disclosure of Information

Internal Uses

We use the information we collect about you in order 1) to provide our services and process your transactions, 2) to provide customer service, 3) to improve our products and services.

We give access to individually identifiable information about our users only to those employees who require it to fulfill customer service requests.

Disclosure to Third Parties

MRG will not sell or rent any of your personally identifiable information to third parties. MRG will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission. These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.

1. We share information with companies that help us process the transactions you request and protect our customers’ transactions from fraud, such as sharing your credit card number with a service that screens for lost and stolen card numbers. See “Information About You From Third Parties” in Section B above.
2. We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our Terms of Use.
3. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.
4. We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you)
5. We share aggregated statistical data with our business partners or for public relations. For example, we may disclose that a specific percentage of our users live in California. However, this aggregated information is not tied to personally identifiable information.

Our Contacts with SkipSource.com Members

We communicate with users and members on a regular basis via e-mail to provide requested services, and we also communicate by phone to resolve customer complaints or investigate suspicious transactions.

Internet Address Information

We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use.

D. Information Security

MRG is committed to handling your customer information with high standards of information security. Your credit card and bank account information are stored only in encrypted form on computers that are not connected to the Internet. We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We test our security systems regularly and also contract with outside companies to audit our security systems and processes.

E. Contacting Us

If you have any questions about this privacy statement, MRG's information practices, or your dealings with the SkipSource.com Web site, you can e-mail info-nospam@skipsource.com, or call 1-888-275-6900 Monday through Friday between the hours of 9am and 5pm CST.