This privacy statement is issued by Bargains.

Our Commitment to Privacy
We regard protecting our customers' personal information as one of our fundamental responsibilities. We diligently strive to safeguard your personal information by maintaining strict standards for security and privacy.

This Privacy Statement provides an explanation of the type of information we collect about you, how we collect it, process it, and protect it from misuse.

The Information We Collect
We collect, retain and use your personal information to provide services, better assist your needs, and administer your business and ours. We try to limit the collection and use of your personal information to the minimum required for delivering outstanding service to our clients. All the information we collect about you will be done in accordance with and as required by law or regulation.

You may learn about our products and services through our website. Through this website, we may request and collect personal information about you in order to enhance your experience and provide you with information. We will make every effort to collect this information in a secure manner and provide you a secure connection and access to our website and the information in it.

How We Use the Information We Collect
We will use the information collected about you to:

Manage, facilitate, or administer your relationship with us or one of our affiliates.
Provide you with the products or services you requested.
Offer you information, recommendations or advice regarding our products and services.

Sharing Your Information
We will not sell your personal information and will only disclose your information to affiliates and non affiliated third parties in accordance with all applicable laws and regulations and any related industry standards.

We only share the information that is necessary for an affiliated or non-affiliated third party to know in the course of advising and/or providing our products and services to you.

Subject to your right to opt out we are permitted by law to share all the information we collect with financial institutions with whom we have joint marketing arrangements.

Information Sharing in Different Jurisdictions
The collection, use, and disclosure of information described in this Privacy Statement may involve a transfer of the information to jurisdictions located outside of your country of residence or the country in which you maintain business relations with us or the country where we provide you our services that may not have equivalent laws and rules regarding your personal information. In some cases, you will be asked to consent to such transfers before they occur in accordance with this Privacy Policy and applicable laws.

Your Information Sharing Rights (Opting Out)
Unless we are permitted by law to disclose your personal information to a non affiliated third party (e.g., as necessary to service or administer a customer business or relationship), we will provide you with the opportunity to opt out of having your personal information shared - that is, you may direct us not to disclosure your personal information except as permitted by law. We will provide you with notice and the opportunity to opt out prior to disclosing your information.

Right of Access
In some jurisdictions in which our organization operates, you may have the right to view and correct the information we hold about you. Please contact your customer relationship manager or local customer service representative for more information.

Safeguarding Your Information
We are committed to implementing physical, electronic, and procedural safeguards to protect your personal information against loss, misuse, damage and unauthorized access, modifications or disclosures. We continuously review and enhance our policies and security measures to consistently maintain a high level of security.

Systems

Our Web site and the Internet in general may be subject to system delays and failures beyond our reasonable control. As such, you may have difficulty accessing a Web site or you may not receive a confirmation of an operation. In such an instance, you should contact Bargains or its affiliates, directly, for information. Furthermore, Bargains and its affiliates cannot warrant that the information or material accessible through the Web site are free from viruses or other harmful components and cannot be responsible for damages that may result from accessing, browsing or downloading any Web site materials.

Passwords

Certain areas of Bargains web site cannot be viewed without a password or access code. You are solely responsible for the use and proper protection of the passwords and you shall take precautions to prevent their unauthorized use. If you become aware that a password has been lost or stolen or of any unauthorized use or access, please contact us.

Websites

Pages where we collect personal data from our website visitors are usually encrypted to secure the collection and transmittal of your personal information. We have implemented additional, comprehensive state-of-the-art security procedures for our internet system. We may use cookies or web beacons to obtain information about you while visiting our websites.

Cookies

A cookie is a very small text file that is sent to your browser from our servers and stored on your computer's hard drive. It assigns your computer with a unique identifier, which in turn, becomes your identification card whenever you return to one of our websites.

Cookies can also help us provide you with a personalized on-line experience in the following ways:

they store your user name and password for future visits, making each login more efficient;
they may provide you with a personalized experience by allowing us to store your preferences;
they can help to ensure you obtain all requested information; and
they help us deliver communications that are relevant and responsive to your interests and location.

Our cookies are limited to our websites only, and are not designed to follow you when you surf the Internet after leaving Bargains website.

If you would prefer not to have the benefits of cookies, your Internet browser can be adjusted to treat cookies in different ways. Depending upon the type of browser you are using, you may be able to configure your browser so that: (i) you are prompted to accept or reject cookies on an individual basis or (ii) you may be able to prevent your browser from accepting any cookies at all. You should refer to the "privacy options" section of your web browser for specific details about cookie security. However, you should also understand that rejecting cookies might affect your ability to perform certain transactions on our website and our ability to recognize you from one visit to the next.

Web Beacons

We may also employ invisible 1X1 pixels, sometimes called web beacons, to count how many people visit certain web pages. Information collected from invisible pixels is used and reported in the aggregate and does not contain any personal information about you or your computer. We may use this information to improve marketing programs and website content.

Contact Us
If at any time you are not satisfied with our procedure to protect your privacy, or if you have questions regarding the collection and/or use of your personal information or regarding our privacy policy, please contact us. We will use all reasonable efforts to promptly address your concern.

Updates to the Privacy Statement
Bargains may update this Privacy Statement occasionally to comply with changes in the regulatory environment, our business needs, or to satisfy the needs of our customers and service providers. New versions will be date stamped when posted to our website.

This Privacy Statement was last updated 04/2005.
Intellectual Property
The contents of Bargains web site on the Internet are protected by applicable copyright and patent laws.

No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, user interface design or logos.

ALL INFORMATION AND CONTENT ON THE WEB SITES ARE SUBJECT TO APPLICABLE STATUTES AND REGULATIONS AND ARE FURNISHED "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

Risk considerations
Investments involve risk. Some investment products have more risk than others, are subject to market price movements, regulatory changes and economic conditions as well as adverse political and financial factors. Bargains has no responsibility for these risks.