This document sets forth the Privacy Policy of Personal Estate Manager, Inc. which does business as Memberprofile.info (“we,” “us,” “our”). We are the creator and owner of the web site at www.memberprofile.info (also accessible from www.memberprofile.info). We care about and are committed to respecting your privacy. By “you” and “your” we mean both visitors to our Site and subscribers to the Personal Estate Manager Inc. Services (which are described on the Site).

The cornerstone of our Privacy Policy is our promise to you to not sell or share your personal information with others unless you specifically authorize us to do so or as disclosed in this Privacy Policy. We will not sell to or share your Personal Information with third party marketers.

By using our Site, you agree with the terms and conditions of this Privacy Policy and the Terms of Use governing your access and use of the Site, and, if you are a subscriber, your member agreement with your member profile (“Member Agreement”).

THE INFORMATION THAT WE COLLECT

The information we collect can be categorized as anonymous information or personally identifiable information. Anonymous information is information that cannot be connected to the identity of a specific individual. Personally identifiable information is information that specifically identifies a particular user (“Personal Information”) such as name, address, and phone number.

Personal Information about Our Visitors. When you just visit or browse our Site, we do not collect Personal Information from you unless you ask us to communicate with you by email, phone or other means.

Personal Information about Our Subscribers. If you subscribe to our member profile Services, we do collect Personal Information from you including your name, home address, phone number, mailing address, email address, the name of any person you will allow to access your Member Profile Information upon your death or disability (“Contact Person”), the name of your advisers, and, for billing purposes, credit or debit card information including credit or debit card type, number, expiration date and billing address. You provide us with this information when you sign up to subscribe to and sign into your member profile. In addition, as a member, you may enter financial information and other related information into your Member Profile (“Member Profile Information”) by completing the Member Account Information Form.

Anonymous Information. We may track activity on the Site to analyze trends, administer the Site, track your actions and use of the Site, record transactions and gather demographic information for aggregate use. Demographic information includes information such as the zip code in which a user or member lives, the age of our members or users, etc. This demographic data is analyzed on a group or an aggregated basis. Such aggregated data is not linked to any personally identifiable information. We may sell or share this aggregated, anonymous demographic data. This aggregated demographic data is not traceable to any particular user and will not be used to contact you.

Our Use of Cookies. We may place small Internet files known as cookies on your computer’s hard drive when you visit or use our Site. We use “session ID cookies” and “persistent cookies.” Cookies enable your computer to interact with our Site. The session cookies expire when you close your browser. If you click “remember me” when logging into the Site, we also set a persistent cookie to store your User Name and password and your IP address. Persistent cookies also enable us to present new information to you for viewing.

We use cookies for internal record keeping purposes. Generally, most browsers allow you to set your browser to notify you when you receive a cookie and thus you will have the chance to decide whether or not to accept the cookie. If you decide not to accept the cookie, some Web pages may not display properly or you may not be permitted to access certain information on our Site.

HOW WE USE THE INFORMATION YOU PROVIDE

We collect Personal Information and Member Profile Information only for the purposes of providing the services associated with your subscription to the Personal Estate Manager Inc. Services, to process payments for your subscription, to communicate with you, to respond to requests you make of us and for internal business purposes. Except as otherwise stated in this Privacy Policy or in the Member Agreement, we do not share your Personal Information including your email address with anyone without your consent nor do we use or share your Member Profile Information with anyone.

Records of Communications. When you communicate with us by email, voice mail, telephone calls or in writing (“Communication”), we may keep a record of the Communication. We may save and archive the email or other writings that we receive from you on our servers.

Confidentiality of Personal Information. This Personal Information we collect is released to others only to the extent necessary to achieve the purposes stated above. We require anyone receiving Personal Information from us to treat it as confidential information and protect it from any further disclosure. We will use your email address to service your account and to send you the remainder notices you have requested. Before we use your email address or mailing address to send you information about special offers and new products and services we might offer, we will give you notice and an opportunity to opt out of such communications.

Member Profile Information. Your Member Profile Information is not shared with others except as you have specifically authorized us to do so. Because any person to whom you give your User Name and Password will be able to sign-on to your account, such a person will have access to your Member Profile Information by signing-on to your account. When you subscribe to our services, we will send a notice to anyone you have listed as a Contact Person, or to any adviser or beneficiary of a life insurance policy that you specifically ask us to notify. This notice informs the recipient that you have subscribed to our services and that the recipient should contact us in the event of your death or incapacity. This notice will contain your name and mailing address but no other Personal Information and no Member Profile Information. Upon confirmation of your death or disability, as specified in the Member Agreement, we have the right to release the Member Profile Information to your Contact Person and notify the beneficiaries of any life insurance policies that are listed in your Member Profile, unless you have specifically instructed us to not do so.

Business Transfers. We might sell our business or merge with another business. Our membership lists, your Personal Information and your Member Profile Information are properly considered assets of a business. Accordingly, if we merge with another entity, sell a line of business or sell substantially all of our assets to another entity, our membership lists and any Personal Information or Member Profile Information that you provided to us, would be included among the assets that would be transferred. However, such information will remain subject to the promises that we have made in this Privacy Notice (unless you consent otherwise in writing), our Terms of Use and, if you are a subscriber, our Member Agreement. We will make reasonable efforts to provide notice on the Site and to you via email to the email address associated with your account of any such change in ownership and control of your Personal Information.

USE OF SERVICE PROVIDERS TO ASSIST US

We may hire other companies to provide services on our behalf, such as handling the processing and delivery of mailings, providing customer support, hosting the Site or processing transactions. Our agents and contractors who have access to Personal Information or Member Profile Information are required to protect this information in a manner that is consistent with this Privacy Policy and can only use such information to carry out the services they are performing for us.

CONFIDENTIALITY AND SECURITY OF INFORMATION

The credit or debit card information you provide is encrypted and protected during transmission over the Internet using Secure Socket Layer (“SSL”) Software. We follow reasonable and appropriate measures to keep your Personal Information and Member Profile Information secure. We encrypt the Member Profile Information stored on our Site. We have excellent security measures in place to safeguard your Personal Information and your Member Profile Information. However, we cannot assure you that such information will never be disclosed in a manner that violates this Privacy Policy. We can and do assure you we will do our best to see that such disclosures do not occur.

Release of Information

Except as otherwise provided in this Privacy Policy or our Member Agreement, we will keep all Personal Information and Member Profile Information you provide private and will not share it with third parties unless we, in good faith believe such disclosure is necessary to: (a) comply with a court order or other legal process; (b) protect our rights or property; and (c) enforce our Terms of Use or Member Agreement.

PRIVACY WHEN VISITING OTHER SITES

Our Site may contain links to other web sites including those of our advertisers. When you click on links or advertisements on our Site that take you to third party web sites, you will be subject to the third party’s privacy policies and terms of use. While we protect your privacy while you are using our Site, we are not and cannot be responsible for the privacy practices or the content of such third party sites. We encourage you to read the posted privacy statements and terms of use of these third party web sites and to not use these sites if you do not agree with their privacy policies or terms of use.

SPECIAL PROVISION FOR VISITORS UNDER AGE 18

Our services are marketed for use by adults. If you are under the age of 18, you cannot use our Site and you may not provide us with any Personal Information including your email address.

RIGHTS OF RESIDENTS OF CALIFORNIA

Residents of the State of California, under the California Civil Code, have the right to request from companies conducting business in California a list of all third parties to which we have disclosed personal information during the preceding year for direct marketing purposes and a disclosure of shared information. Alternatively, the law provides that if the company has a Privacy Policy that provides you with an "opt-out" choice for use of your personal information by third parties for marketing purposes, the Company may instead provide you with information on how to exercise your disclosure choice options.

Our Site qualifies for the alternative option. Our Privacy Policy informs you that at this time you do not need to take any additional action to opt-out of disclosures to third parties for marketing purposes since we do not make such disclosures. Therefore, we are not required to maintain or disclose a list of the third parties that received your personal information during the preceding year for marketing purposes. If this Privacy Policy ever changes to permit such disclosures for marketing purposes, we will provide you with additional instructions on how to opt-out from such disclosures.

UPDATES AND CHANGES TO OUR PRIVACY POLICY

We reserve the right, at any time and without notice, to add to, change, update or modify this Privacy Policy, simply by posting such change, update or modification on our Site. Any such change, update or modification will be effective immediately upon posting on our Site. However, in the event of a material change in the way we collect, use and or share your personal information, we will notify you by sending you an email at the last email address you provided us and/or prominently posting notice of such changes on the Site. You will be given an opportunity to agree to such material changes. Any material changes to the Privacy Policy will be effective upon the earliest of thirty (30) calendar days following our sending of an email to you or thirty (30) calendar days following our posting of notice of changes on the Site.

We will occasionally update this Privacy Policy. When we do, we will also revise the “last updated” date at the top of the Privacy Policy.

RESOLVING PRIVACY ISSUES

Any dispute over privacy is subject to this Privacy Policy, our Terms of Use and, if you are a subscriber, to our Member Agreement. Michigan law, without giving effect to any principles of conflicts of law, governs any such disputes.

If you have any concerns about your privacy in connection with this policy, please send us a thorough description to [email protected] so that we may investigate and address your concerns.

Last revised January 1, 2018