Privacy Policy

Updated 12/21/2009

Low Cost Solution LLC owns and operates a network of sites, including this one, that are focused on helping consumers understand different options they have in handling their unsecured debt.

We are also fully committed to protecting the privacy of our users. We believe you have the right to know everything regarding the information we collect about you, how the information is used, and how you can opt out of providing any of this information.

This privacy policy explains how we use your information and explains what you can expect. By using this site, you indicate your acceptance of our Privacy Policy.

Low Cost Solution LLC takes the privacy of our site visitors and customers very seriously. On this page, we address what information we collect from you and how we use that information. If you have additional questions that are not answered here, visit www.LCSBiz.com to contact us.
By accessing or using the Website, you acknowledge that you have read, understood and accept this privacy policy and its terms.

INFORMATION WE COLLECT
To better serve site visitors and customers, we collect two basic types of information from our customers:
Personally identifiable information: This is information that personally identifies one individual from another. This information is voluntarily provided to us by our customers and is used by us for the purpose of fulfilling requests, inquiries or merchandise orders. We do rent and sell this information to 3rd parties.
Aggregate user and tracking information: This information gives us insights on how our customers and site visitors use our site and our other products. This data is anonymous in nature and does not contain any personally identifiable information. We use this information to ensure that our website, e-mails and marketing efforts continue to appeal to our customers.

INFORMATION YOU VOLUNTARILY PROVIDE TO US
We only collect personally identifiable information that you voluntarily provide to us. Examples of such personally identifiable information that you provide to us may include, among other information, your name, physical address, email address, phone number, credit card number, credit card security number, website user name and password, and answer to your password reminder question. We only require personally identifiable information from you when it is needed to complete your purchase, fulfill your order or request, or when you voluntarily decide to register as a member of our site independent of a transaction.

OTHER INFORMATION WE COLLECT
When you visit our website, we may automatically collect some information about your visit using cookies, log analysis software and other aggregate tracking technologies.

COOKIES
Cookies are files that contain small amounts of data. If your browser is configured to accept these files, they are stored on the hard drive of your computer. We use these data files when you visit our site to recognize your browser and capture and remember certain information about you.
By using cookies, We are able to:
- Personalize and enhance your visit to our site.
- Track items placed into your shopping cart and expedite the ordering process.
- Expedite your account log-in.
- Better measure how many users view our site.
- Better measure how effective our online marketing campaigns are performing.

If you wish, you may set your browser to refuse cookies. However, by refusing to accept a cookie, you may not be able to access some pages or use some of the functions of our site. Some We cookie files remain on the hard drive of your computer unless and until you manually delete the file. We cookie files do not contain personally identifiable information or track individual user movement through our site.

LOG FILE ANALYSIS
We also collect information from your computer each time you visit our site using JavaScript and log file analysis software.
Information we measure, analyze and collect in this manner may include: your IP address, screen resolution, operating system, platform information, your URL click stream behavior (from referring URL website, through We website, to and including URL of exiting website), date and time of your click stream behavior, purchase behavior, click stream patterns, email address, We user answer, purchase behavior, cookie information, session information (includes: page interaction information, browser interaction information, page response times, length of visits to individual pages, download errors) and web browser software.

Information we collect on how you use our site does not include personally identifiable information. Though some personally identifiable information may be collected in this process, the information collected is not used to track individual use through our website.

HOW WE USE THE INFORMATION WE COLLECT
WE HAVE THE RIGHT TO: Sell, exchange or otherwise distribute your personally identifiable information without your consent, except to the extent required by law, in accordance with your instructions, or as identified in this privacy policy.

PERSONALLY IDENTIFIABLE INFORMATION
We may use your information, including personally identifiable information, for business purposes including, without limitation, for the following business purposes:
- To improve the quality of your visit.
- To send marketing communications and purchase confirmations that you have opted-into or otherwise agreed to receive other types of offers
- To send survey’s to you.
- To update your user account with any information we receive from you or from third-party sources about you.

Also, we may use your information, including personally identifiable information, as follows:
We sometimes contract with other companies and individuals to perform functions or services on our behalf, such as hosting the website, sending email messages and administering contests, surveys and other promotions. They may have access to personal information, such as email addresses, needed to perform their functions.
In some cases, we may choose to buy or sell assets. In these business transfers, customer information, including personally identifiable information, is typically one of the business assets that is transferred. Moreover, if We, or substantially all of its assets were acquired, or in the unlikely event that We goes out of business or enters bankruptcy, customer information, including personally identifiable information, would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any assets may continue to be used according to your personally identifiable information as set forth in this policy.
We may reserve and have the right to disclose any information about you or your use of our site without your prior permission.
We in good faith believe that such action is necessary to:
(a) protect and defend the rights, property or safety of We or its affiliates, other users of the site, or the public;
(b) enforce the Terms of Use or
(c) respond to claims that any content violates the rights of third-parties. We may also disclose information as we deem necessary to satisfy any applicable law, regulation, legal process or governmental request. We may share any information you submit to us.

NON-PERSONALLY IDENTIFIABLE INFORMATION
We may use your non-personally identifiable information it collects during your site visit, during your interaction with our e-mails or during your interaction with our third-party marketing efforts for other purposes including without limitation, the following:
To better monitor in aggregate the effectiveness of our online and offline advertising and marketing campaigns.
To better monitor in aggregate how visitors and customers are using our site.
To ensure that our website and e-mails continue to provide relevant content that is interesting and useful to our customers.
To uncover and diagnose problems with our site and servers.
For day to day system administration needs.

WHAT YOU WILL RECEIVE FROM US
We believe that honest and clear communications with our customers is a key part of a great customer experience. We only want to send you e-mail that you expect to receive or that you have requested. All of our e-mail contains clear information on how to unsubscribe, and we honor all requests as quickly as possible. Below are examples of communications you may receive from us:

Marketing or promotional e-mails:
If you sign up for one of our marketing e-mails either directly, through the membership area, during a purchase, during a contest sign-up, or by any other means, we will send you the marketing e-mail that you have requested.
We only send these e-mails to site visitors and customers who sign up for one of our mailing lists or who agree to future contact regarding special promotions and offers from We. These mailings contain clear information on how to unsubscribe, and we honor all requests as quickly as possible.
If you are receiving communications from us and wish to unsubscribe, either follow the unsubscribe instructions in the communication or follow the opt-out instructions below to inform us that you do not want to receive e-mail from our company.

SMS text messages
We may contact you by SMS text messaging when we feel necessary. These messages will contain clear information on how to unsubscribe, and we honor all requests as quickly as possible. By you clicking I agree to the terms and conditions you do understand that you may incur a charge when receiving mobile messages from us..
Postal mail
We may also send you notifications of new products, surveys, contests and other communications via postal mail.
Answering your inquiries
If you send us an offer or a suggestion, we may use your e-mail address, telephone number or postal address to respond to you.


PRODUCTS OFFERED ON OTHER SITES

We do share personally identifiable information with business partners who display other offers.


HOW WE PROTECT YOUR INFORMATION

We understand that the safety of your personal information is extremely important to you. That is why we use both electronic and other measures to keep your information protected from unauthorized access.

ABOUT THIS POLICY
The privacy policy was posted on the date set forth above. We reserve the right to change, alter or modify this policy for any reason at any time. When we do so, changes in our privacy policy will posted on our site and will be effective immediately. If you are a regular visitor to this site, we recommend that you check this privacy policy on a regular basis.

POLICIES FOR USERS OF THE SITE UNDER AGE 13
We do not knowingly collect or maintain personal information from children under the age of 13 at our site, except for the limited circumstances described below. In the event a child under the age of 13 submits a question to us at our site and identifies his or her age, we may use the email address of the child for the sole purpose of responding to the question from the child on a one time only basis. However, we will not use the email address of the child for further contact and we will remove the address from our records after we have initially responded.

EXTERNAL LINKS
The Website may include links to other websites whose privacy policies we do not control. Once you leave our site, use of any information you provide is governed by the privacy policy of the operator of the site you are visiting. That policy may differ from ours and is not covered within this privacy policy.

ACCESSING AND UPDATING YOUR INFORMATION; OPTING OUT
We may view and make changes to your personally identifiable information. Site members who wish to subscribe or unsubscribe to our marketing and promotional communications can do so by using the subscribe/unsubscribe options by sending an email to info @ lcsbiz.com
We may take a reasonable period of time to respond to any request to opt out or cancel or modify a registered account. If you request the deletion or modification of your personal information maintained by us, such information may be retained for a period of time in our backup systems as a precaution against system failures. Some information may be retained for longer periods as required by law, contract or auditing requirements.

IF YOU HAVE QUESTIONS
If you ever have any questions about this privacy policy, please contact us. We respect your rights and privacy, and will be happy to answer any questions or concerns you might have. Send your questions to info @ lcsbiz.com or
call 800-465-2054

Low Cost Solution LLC
www.LCSBiz.com
14938 Camden Avenue, STE # 106
San Jose,CA,95124
USA

PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS