This privacy notice covers the treatment of personally identifiable information that MAGNUM collects when you, the end user, are on them CRIF CORPORATION Web site. This notice does not apply to the Web sites and independent practices of the CRIF Group and other companies affiliated with CRIF CORPORATION.

The Collection of Personal Information
In some circumstances, CRIF CORPORATION may request personal information from you, like your name, e-mail address, company name, or telephone number. Your response to these inquiries is strictly voluntary. CRIF CORPORATION uses this information to customize your experience on our Web site. In addition, CRIF CORPORATION may use this information for other business purposes, such as to alerting you to products and services that can assist you in your business. In general, you can visit our site without divulging any personal information. However, there are areas of this site that require this information in order to receive more detailed technical information. CRIF CORPORATION also collects domain information as part of its analysis of the use of this site. This data enables us to become more familiar with which customers visit our site, how often they visit, and what parts of the site they visit most often. CRIF CORPORATION uses this information to improve its Web-based offerings. This information is collected automatically and requires no action on your part.

How We Use the Information
We use personally identifiable information to respond to your inquiries about our products and services, to deliver products and services, to administer individual accounts, to send you news and updates via e-mail and postal mail about our offerings (e.g.,seminars). From time to time, we also use this information to provide you with opportunities to purchase other products or services that we believe may be of interest to you. However, out of respect for our users privacy we provide a way to opt-out of these communications. Please see the choice and opt-out section.

In addition, we use the information you submit to enable you to express your interest in one of our career opportunities. We respond via email, mail or phone as appropriate. The information you submit is entered solely into our human resources database and stored for as long as someone is a subscriber and for seven years after termination or as long as necessary after termination to comply with tax and regulatory requirements.

We use the non-personally identifiable information that we collect to improve the design and content of our site and to enable us to personalize your Internet experience. We also use this information in the aggregate to analyze site usage.

We will disclose personally identifiable information in response to legal process, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request.

Additionally, in the event that all or substantially all of CRIF CORPORATION's stock and/or assets are transferred or sold to another entity, CRIF CORPORATION will likely transfer personally identifiable information to the acquiring entity. Users will be notified via email or prominent notice on our Web site to a change of ownership or control of their personal information. If as a result of the business transition, the users' personally identifiable information will be used in a manner different from that stated at the time of collection, they will be given choice consistent with our notification of changes section.

Sharing
We will not share personally identifiable information with third parties other than CRIF Corporation, and CRIF Group employees and other agents, consultants and contractors (e.g., credit card processing company to bill users for goods and services). These third parties who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Notice by, for example, not using the information for any purpose other than to carry out the services they are performing for CRIF CORPORATION.

We share aggregated demographic information with outside third parties, including demographic data about the types of users of our service. This is not linked to, nor contains, any personally identifiable information.

Choices We Provide You
If you prefer not to receive marketing information from us, you can tell us by sending us an e-mail to the address listed below. Please note, however, that even if you chose not to receive marketing information from us, we will continue to provide you with important service announcements or billing information. However, these will not be promotional in nature.

Links
Our site contains links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices, as we have no control over information that is submitted to, or collected by, these other parties.

Cookies
We use persistent "cookies" at our site. Cookies are text files we place in your computer's browser, or on your hard drive, used to identify a user's session. We do not use our cookies to determine any personally identifiable information about you. You will need to set your browser to accept cookies in order to use our services. Web pages may contain an electronic file called a web beacon, that allows a web site to count users who have visited that page or to access certain cookies. Information recorded through these web beacons or through cookies that may be set by third parties is used to report aggregate information about CRIF Corp users. This aggregate information may include usage information that can be used by CRIF CORPORATION to optimize web site content and structure. No personally identifiable information about you is shared with partners from this research.

Our Commitment to Security
We take appropriate security measures, including using "firewalls" and Secure Sockets Layers, to safeguard your personally identifiable information and prevent against unauthorized access to your information by users inside and outside the company.

Privacy Policy Changes
If we are going to use your personally identifiable information in a materially different manner from that stated at the time of collection, we will notify you directly (e.g., via e-mail). You will have a choice as to whether or not we use your information in this different manner. If you have terminated services/deactivated your account you will not be contacted, nor will your information be used in this new manner. In addition, if we make any material changes in our privacy practices that do not affect user information already stored in our database, we will post a notice on our web site notifying users of the change.

Testimonials
We do obtain the customer's consent to post their name along with their testimonial prior to posting the testimonial.

Contact Us
If you have any questions or concerns about our privacy policy or its implementation, you may contact us at: info@criflending.com.
If you would like to review, update, or request deletion of your information or discuss billing questions, you can contact us at the above e-mail addresses or by:

Phone: 770.541.4567
Fax: 770.952.9534