Our policy as it relates to spam? We make every attempt to respect the wishes of our community as it relates to unwanted emails. We offer an opt-in/opt-out policy which means that if you wish to be on our email list you may request to have your name added at anytime. Conversely, if you receive an email from us that you no longer wish to receive you may request to be removed at anytime either by unsubscribing via our online tools or by contacting our customer service department directly. This email is sent in compliance with the new e-mail bill CAN-SPAM Act of 2003 (S. 877), The CAN-SPAM Act of 2003 (Public Law 108-187) took effect on January 1, 2004., and cannot be considered spam as long as you are provided with the means to be removed from further transmissions and the physical address of the advertiser and where the email is being sent from is included in the content of email ad.

Example: This email was sent to you by Programbusiness.com on an opt out basis with permission from the client noted above. If you have received this mailing in error or wish not to receive future mailings from this (or any other) storefront, CLICK HERE TO UNSUBSCRIBE. Please allow 5 business days for the removal process to take effect. Additionally, you may write to: Programbusiness.com, 23172 Plaza Pointe Drive, Laguna Hills, CA 92653.

Does ProgramBusiness.com ask for personal information?
Yes, we do. ProgramBusiness.com may ask for your name, email address, and other personal information when you sign up for our newsletter or any other service. We may also ask for such information at other times, such as when you request information from ProgramBusiness.com and/or our customers. Will ProgramBusiness.com disclose any of my personal information? ProgramBusiness.com may disclose any of your information, and when we believe in good faith that the law requires it, or to protect the rights or property of ProgramBusiness.com. Under confidentiality agreements, ProgramBusiness.com may match user information with third party data. Also, prpgrambusiness.com does disclose aggregated user statistics (for example, 90% of our users are independent retail agents) in order to describe our services to prospective partners, advertisers, and other third parties, and for other lawful purposes. If/when we do match user information we endeavor to keep personal information confidential from those third parties. Additionally, if you make a purchase from our site, the information obtained during your visit to these areas, and the information that you give such as your credit card number that is provided to the merchant of record. These merchants can be prgrambusiness.com or third party companies. These merchants have separate privacy and data collection practices. ProgramBusiness.com has no responsibility or liability for these independent policies.

How Does ProgramBusiness.com use my information?
ProgramBusiness.com’s goal in collecting information is to provide you, the user, with the most personalized web experience possible and our advertisers with an efficient means to reach the right audience. By knowing a little about you, ProgramBusiness.com is able to deliver more relevant content and advertisements, and hence a better service, to you. In our role of delivering targeted advertisements, ProgramBusiness.com plays the middleman. Advertisers give us an ad and tell us the type of audience they want to reach (for example, agencies over 10 employee’s). ProgramBusiness.com takes the ad and displays it to users meeting those criteria. In this process, the advertiser never has access to individual credit card account information. Will ProgramBusiness.com use my information for direct mailings? We will send you information about our various products and services, or other products and services we feel may be of interest to you. You can remove yourself from this distribution list via a link in the communication. Only ProgramBusiness.com (or partners working on behalf of ProgramBusiness.com and under confidentiality agreements) will send you these direct mailings.

Does ProgramBusiness.com use cookies and "IP Addresses"?
Yes, cookies are used on ProgramBusiness.com in various ways. (1) We use cookies to be reminded of who you are and to access your account information (stored on our computers) in order to deliver to you a better and more personalized service. This cookie is set when you register. (2) Cookies are used in ProgramBusiness.com E-Commerce to help ProgramBusiness.com track visits to its storefronts and process the items in your on-line-shopping. (3) Cookies are also used to estimate our audience size. Each browser accessing ProgramBusiness.com is given a unique cookie which is then used to determine repeat usage versus initial usage, and to help in targeting ads based on user interests. (4) Lastly, advertising networks that serve ads onto ProgramBusiness.com may also use cookies.

IP Addresses
ProgramBusiness.com collects IP addresses for the purposes of system administration and to report aggregate information to our advertisers and others.

What else should I know about my privacy?
Please keep in mind that whenever you voluntarily disclose personal information online - for example in discussion forums, through email, or in chat areas - that information can be collected and used by others. In short, if you post personal information online that is accessible to the public, you may receive unsolicited messages from other parties or Storefronts in return. Furthermore, while we strive to protect your personal information, ProgramBusiness.com cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. In addition, ProgramBusiness.com partners and third party Internet sites and services accessible through ProgramBusiness.com or parties whom we inform you are collecting data in connection with contests, sweepstakes, promotions, etc., have separate privacy and data collection practices, independent of us. ProgramBusiness.com has no responsibility or liability for these independent policies or actions. You are solely responsible for maintaining the secrecy of your passwords and/or any account information. Please be careful and responsible whenever you're online.