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DISCLAIMER & DISCLOSURE | TERMS OF USE | PRIVACY POLICY

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Ty J. Young, Inc. ("Ty J. Young, Inc.") respects the privacy of its users. This Privacy Policy for Consumers is intended to describe for individuals who use Ty J. Young, Inc..com and our services:

Information we may collect about you;

How we may use the information we collect;

How and with whom we may share your information;

How you can access your information;

Your choices about collection and use of your information;

How we protect your personal information; and

How to contact us.

By using our website and services, you are accepting the practices described in this Privacy Policy. Please contact us if you have any questions about our privacy practices using the information at the end of this policy.

INFORMATION WE MAY COLLECT ABOUT YOU

In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites, the information may be sent to Ty J. Young, Inc.’s servers located in the United States and other countries around the world.

Information You Provide. We may collect and store any personal information you enter on our websites or provide to us in some other manner. This includes identifying information (such as your name and e-mail address), information about your financial accounts and other financial information (such as your assets and income), and personal information (such as your age and retirement goals).

Information about Others. We may also collect and store personal information that you provide to us about other people including their name, email address, or other financial and personal information.

Use of Cookies and Other Technologies to Automatically Collect Information. We, our authorized service providers and advertising services companies use various technologies to collect information from your computer and about your activities on our website (see "Information Collected by Third Parties" below). We and these companies automatically collect information from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us or them (see "Cookies" below) and the referring website address.

Cookies. A cookie is a text file stored on a user’s computer or used by a website’s server to hold a user’s session information. When you visit our website, we may assign your computer one or more cookies, to facilitate access to our website, to personalize your online experience, and to record information about your visit to our website. Through the use of a cookie, we and these companies also may automatically collect information about your online activity on websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies.

Other Technologies. We may use standard Internet technology, such as pixel tags and other similar technologies, to track your use on our website. We also may include pixel tags in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon.

Information Collected by Third Parties. We may allow third parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements and other materials on our websites, and to deploy technology for our benefit. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and/or connect to our websites. Our websites do not provide any personal information to these third parties.

HOW WE MAY USE THE INFORMATION WE COLLECT

General. We may use information that we collect about you to:

Deliver the products and services that you have requested;

Manage your customer relationship and provide you with customer support;

Perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;

Communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us or from third parties;

Develop and display content and advertising tailored to your interests on our websites and other websites;

Verify your eligibility for and deliver rewards from us or third parties;

Enforce our terms and conditions;

Manage our business; and

Perform functions as otherwise described to you at the time of collection.

Financial Information. We may use financial information to match you with financial services companies or to provide such companies' conditional offers to you, to verify your identity, to protect against or identify possible fraudulent transactions, or otherwise as needed to manage our business.

Job Applicants. If your personal information is submitted through our websites when applying for a position with us, the information will be used solely in connection with considering and acting upon your application. We may retain your personal information for a period of time, but only for the purpose of considering your application for current or future available positions or as required by law. This information may be shared with third-party service providers retained by us to collect, maintain and analyze candidate submissions for job postings.

Please review "Your choices about collection and use of your information" below.

HOW AND WITH WHOM WE MAY SHARE YOUR INFORMATION

We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our websites or while using our services.

Personal Information. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared.

We may share all types of personal information with:

Business Partners. When you express interest in products, services or rewards offered through our websites or our services, we may share your personal information with the businesses with which we partner to offer you those products, services, rewards, and, as applicable, their affiliates or marketing companies.

Authorized Service Providers. We may share your personal information with our authorized service providers that perform certain services on our behalf in connection with your use of our website. These service providers may include information technology service providers, credit bureaus, other financial institutions, marketing and customer services firms, credit card payment processors, as well as companies that support contests, sweepstakes, surveys, or other features offered through our websites, or that provide business analysis or website support. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purpose.

Special Notice to California Residents. Ty J. Young, Inc. will not share any personal information about you with its affiliated companies to the extent prohibited by applicable California law or to the extent your prior consent to share is required by applicable California law.

Special Notice to Vermont Residents. Ty J. Young, Inc. will not share any personal information about you with its affiliated companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law.

Other Situations. We also may disclose your information:

In response to a subpoena or similar investigative demand, a court order or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.

When we believe disclosure is appropriate in connection with efforts to investigate, prevent or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; to comply with applicable law or cooperate with law enforcement; or to enforce our websites' terms and conditions or other agreements or policies.

In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale or in the unlikely event of bankruptcy.

Any third parties to whom we may disclose personal information may have their own privacy policies that describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

Aggregated and Non-Personal Information. We may share aggregated information (i.e., information about you and other customers collectively, but not specifically identifiable to you) and other non-personal information we collect under any of the above circumstances. We may also share it with third parties to develop and deliver targeted advertising on our websites and on websites of third parties. We may combine non-personal information we collect with additional non-personal information collected from other sources. We also may share aggregated information with third parties, including advisors, advertisers and investors, for the purpose of conducting general business analysis. For example, we may tell our advertisers the number of visitors to our websites and the most popular features or services accessed. This information does not contain any personal information and may be used to develop website content and services that we hope you and other users will find of interest and to target content and advertising.

Third-Party Websites. There are a number of places on our websites where you may click on a link to access other websites that do not operate under this Privacy Policy. For example, if you click to contact a company or click on an article from one of our content partners, you may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit by clicking on the "privacy" link typically located at the bottom of the webpage you are visiting.

HOW YOU CAN ACCESS YOUR INFORMATION

If you have created an account with us, you may contact customer support to access your information. More information about how to contact us is provided below.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

You can choose not to provide us with certain information, but that may result in you being unable to use certain features of our websites because such information may be required in order for you to obtain products or services from us.

When you use our websites, you will be given a choice as to whether you want to receive e-mail messages, newsletters or other communications from us. You may later modify your choice by contacting customer support at info@tyjyoung.com. You also will be given the opportunity, in any commercial e-mail that we send to you, to opt out of receiving such messages in the future. It may take up to 30 days for us to process an opt-out request. We may send you other types of transactional and relationship e-mail communications, such as service updates or announcements, administrative notices and surveys, without offering you the opportunity to opt out of receiving them. Please note that opting out of receipt of promotional e-mail communications will only affect future activities or communications from us. If we have already provided your information to a third party before you have changed your preferences or updated your information, you may have to change your preferences directly with that third party.

HOW WE PROTECT YOUR PERSONAL INFORMATION

We take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure. For example, only authorized employees and authorized third-party service providers are permitted to access personal information, and they may do so only for permitted business functions. We use encryption in the transmission of your sensitive personal information between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your personal information. We want you to feel confident using our websites to transact business. However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches or other communications will always remain secure. Users should also take care with how they handle and disclose their personal information. Please refer to the Federal Trade Commission’s website for information about how to protect yourself against identity theft.

OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES

California Residents. If you are a resident of California, in addition to the rights set forth in this Privacy Policy, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information: 1. the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year the names and addresses of the third parties that received that information; and if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

We may provide this information in a standardized format that is not specific to you. The designated e-mail address for these requests is privacy@tyjyoung.com.

Children’s Privacy. Our websites are general audience sites, and we do not knowingly collect personal information from children under the age of 13.

Visiting our Websites From Outside the United States. This Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. Please be assured that we seek to take reasonable steps to ensure that your privacy is protected. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

No Rights of Third Parties. This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of our websites.

Changes to this Privacy Policy. We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "last updated" date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share personal information that may impact you, we will notify you by sending an e-mail to the e-mail address you most recently provided us in your account, profile or registration (unless we do not have such an e-mail address), and/or by prominently posting notice of the changes on our websites. We recommend that you check our websites from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.

How to Contact Us. If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:

Compliance Officer, Ty J. Young, Inc., National Office, 100 Galleria Parkway, Suite 1300, Atlanta, GA 30339; or, privacy@tyjyoung.com