The material and links to third-party websites included on the Fraud Digest website are provided for information purposes only.   We make no representations or warranties, express or implied, with respect to the information provided on this website or on any third-party website which may be accessed by a link from this website, including any representations or warranties as to accuracy, timeliness or completeness.   The material on this website is not offered as legal advice and should not be used as a substitute for seeking professional legal advice.   Fraud Digest is not responsible for any action or failure to act in reliance upon information on this website or any third-party website which may be accessed by a link from this website.  

This website is protected by the copyright laws of the United States and other jurisdictions.   You may print a copy of any part of the website for your personal, non-commercial use, but you may not copy any part of the website for any other purpose and you may not modify any part of the website for any reason. Inclusion of any part of the website in another work, whether in printed, electronic or other form and inclusion of any part of the website in another website by linking, framing or otherwise, are prohibited.  

This website may be considered advertising in your jurisdiction.

PRIVACY POLICY Effective: September 22, 2005

This Privacy Policy applies to the Fraud Digest , website located at www. frauddigest.com , and governs its data collection, usage and services.   This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website.  

Non-Personal and Aggregated Information Collected Automatically When you visit our website, we log general data, such as your domain name, the name of the Web page from which you entered our website, which pages you visit on our website, and how much time you spend on each page.   We use this information to monitor use of and improve our website as well as for internal analysis.   In particular, we use IP addresses to analyze trends, administer the website, and gather information for aggregate use. (IP addresses are not linked to personally identifiable information.)

Use of Cookies Our website uses "cookies" to help personalize your online experience, such as recognizing repeat visitors. A cookie is a text file that is anonymously placed on your hard disk by a web page server.   W ww. frauddigest.com cookies cannot be used to run programs or deliver viruses to your computer.   Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.   Fraud Digest does not match your personally identifiable information with the cookie assigned to you.   We will not share or sell non-aggregated information contained within cookies with any third party.   You have the ability to accept or decline cookies.   Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies.   If you choose to decline cookies, you may not be able to fully experience the interactive features of our website or receive some of our services.  

Personal Information You Provide You can use our website without divulging any personally identifiable information including your email address.   Our website does not collect personally identifiable information about you unless you expressly provide such information to us on a voluntary basis, for example, when subscribing to this website or one of our other websites, or requesting more information to be sent to you about Fraud Digest.   We may also add the information you provide to our databases, subscriber lists and/or contact lists.   In the event you do not want to submit personal information via our web site, you may contact us directly by writing or calling the contact provided below.   When you submit personal information to www. frauddigest.com , you understand and consent to the transfer of your personal information across national borders and the storage and processing of your information in a country that may not provide privacy protections similar to those your country provides.   W ww. frauddigest.com does not rent, sell, or share personal information about you with third parties or nonaffiliated companies except as required by law or in response to a government investigation.   To the extent third parties assist Fraud Digest in the provision of this website or services offered on this website, those third parties have no independent rights to your data, and have agreed to adhere to this Privacy Policy.  

Our Commitment To Data Security To prevent unauthorized access to your personal data, maintain data accuracy, and ensure the correct use of information, we have put in place commercially reasonable physical, electronic, and managerial procedures to safeguard and secure the information we collect through this website.  

External Links www. frauddigest.com may provide links to external web sites for your convenience.   The links and information these sites contain are not monitored by us and those sites are subject to their own privacy policies.   We are not responsible for the content, accuracy or practices of these sites nor do we endorse these sites or content provide thereon.  

Changes to this Privacy Policy We will occasionally amend this Privacy Policy to reflect company and customer feedback.   The effective date of the most recent Privacy Policy is noted at the top of this Privacy Policy.   We encourage you to periodically review this policy to be informed of how we are committed to protecting your information and providing you with improved content on our website. If we make any material changes in the way we collect, use, and/or share the personal information that you have voluntarily provided, we will notify you by posting notice of the changes at this Privacy Policy.   By using the www. frauddigest.com site, you signify your agreement with the terms of this Privacy Policy.