Privacy Statement for FINTEL, LLC

Date: February 25, 2002
Last Revised: October 9, 2003

FINTEL, LLC and our subsidiaries and affiliates ("FINTEL" or "we") respect your preferences concerning the collection and use of your personal information.

1.Our Pledge To You

The trust of our clients is our most precious asset. Protecting your privacy and safeguarding your personal and financial information is one of our highest priorities. The following Privacy Statement explains how FINTEL collects and protects your information. If you have any questions that this statement does not address, please contact us via email at support@fintel.us. By registering with FINTEL and purchasing a license for FINTEL products and services using the FINTEL Web site or other means, you give your consent to the collection and use of personal and financial information by FINTEL as explained in this statement.

2.Sharing Of Your Information

The cornerstone of our Privacy Statement is the commitment to keep our clients' personal and financial information confidential.

FINTEL does not sell, license, lease or otherwise disclose any of your personal and financial information to anyone outside of FINTEL without your prior written notification and approval.

We may at times, without your prior notification or approval, aggregate information from our databases and report on trends and demographics during presentations or as requested by investors, customers, or the government.

a.Sharing Of Your Information With Third Parties

To help us improve our services to you, we may engage another business to help us to carry out certain internal functions such as account processing, fulfillment, client service, client satisfaction surveys or other data collection activities relevant to our business. We may also provide a party with client information from our database to help us to analyze and identify client needs and notify clients of product and service offerings. Use of the information shared is strictly limited to the performance of the task we request and for no other purpose.

All third parties with which we share personal information are required to protect personal information in a manner similar to the way we protect personal information. Examples of information shared are identifying information such as name, mailing address, e-mail address, telephone number, and information on account activity.

If at any time you choose to purchase a product or service offered by another company, any personal information you share with that company will no longer be controlled under our Privacy Statement.

FINTEL also reserves the right to disclose your personal information where required by law to regulatory, law enforcement or other government authorities. We may also disclose your information as necessary to credit reporting or collection agencies, or when necessary to protect our rights or property.

2Changes To This Privacy Statement

Except for sharing your personal and financial information, FINTEL reserves the right to change this Privacy Statement at any time, with or without notice; your continued use of this site after any change is made to this Privacy Statement signifies your understanding of and intention and agreement to be bound by such change. In the event of a change, a revised Privacy Statement will promptly be posted to our Web site. You agree to accept posting of a revised Privacy Statement; it is your responsibility to monitor this Privacy Statement for changes.

3. What Business Is FINTEL Engaged In?

FINTEL's primary business is to provide financial and management software, consulting and training to anyone who provides services to small to medium-sized businesses, including but not limited to, owners, managers, business service providers (Certified Public Accountants [CPAs], consultants, etc.), commercial lenders, government and non-profit organizations.

In order to provide you with relevant information, fulfill your specific requests, and enhance your experience across our Web site, we will at times request personal information from you. The information collected and how it is used will vary across the site. This policy is our way of letting you know how we collect information, what we collect it for, and what choices you may have.

4. Why Do We Collect Information?

There are several very important purposes to collecting information from you. They all relate to providing you the optimum Internet service experience. We collect information required to register you and your organization for access to our on-line applications; to transact business effectively; to use our on-line products effectively; to contact you in case of errors, problems, product changes or new services; to help us assess your needs and preferences and improve our products and services; and to safeguard your information and your privacy.

5.What Information Do We Collect?

The information we collect directly from you includes information required to communicate with you, such as your name, mailing address, telephone number, e-mail address, fax number, organization name, and mailing address.

By using our on-line products and tools, you will be required to create a username and password and provide financial information on your organization, including, your organization's Standard Industrial Classification (SIC) code, your organization's income statement data, your organization's balance sheet data, and other information on cash flows, loans, interest rates, and management of the organization.

The information we may collect indirectly from you includes your IP (Internet Protocol) address, browser type, operating system, Internet Service Provider (ISP), time stamps, transactions placed, products and services used, the prior and following Web site you view, and banner ads you click. We do this through the use of "cookies", which are small text files sent from the Web server to your computer. Cookies help us to know you better by providing operational data that we can use to aid your interaction with our Web site and improve its navigation and usability.

When you revisit our Web site, FINTEL may recognize you by the Internet cookie and customize your experience accordingly. Other than that, we do not use cookies to re-contact you. You may decline Internet cookies, if any, by using the appropriate feature of your Web client software, if available.

6. When Do We Obtain Information?

You directly provide us the majority of information we collect. You do this by completing our on-line registration form, entering organization and financial information into our on-line application tools, sending us an email for questions or comments, or submitting information in response to a promotion or special offer. Other ways we may obtain information are by 1 observing your usage of the Web site, 2 by providing products and services to you, and 3 through other sources such as credit agencies, affiliates, business partners, industry associations, and the government. This information enables us to offer you products and services that should be of interest to you.

7. How Do We Use Your Personal Information?

Again, the trust of our clients is our most valued asset. Therefore, we use personal information only as appropriate to provide you quality service and security.

For example, FINTEL may use the information collected from you to verify your identity and contact information. We may also use this information to establish and set up your application account, issue an account number and a secure password, maintain your financial activities, and contact you with account information. This information helps us improve our services to you, customize your browsing experience and inform you about additional products, services or promotions that may be of interest to you.

FINTEL may also use demographic information provided by others so that we can develop products and services to our customers.

8. Closing Your Account

Should you close your account with us, FINTEL will retain your information, but only use it to comply with regulatory requirements and to periodically contact you to offer you the opportunity to reactivate your account and participate in other valuable offers.

9. Third Party Web Sites

FINTEL may also provide links to non-FINTEL Web sites we believe may be of interest to you. These sites are provided as a convenience and are beyond our control. This Privacy Statement does not apply to any Web site that we link to. You are advised to check the privacy policies of those sites before providing your personal information to them.

A third-party site may use cookies when you access their sites through linking from this Web site. We do not have access to these cookies or any information that these cookies may contain. Please contact the third-party site for more information on these cookies.

10. Security Measures

FINTEL is concerned with the security of the personally identifiable and financial information we have collected and has in place reasonable measures to prevent unauthorized access to that information. These measures include - policies, procedures, and technical elements relating to data access controls. In addition, FINTEL uses standard security protocols and mechanisms to exchange the transmission of sensitive data such as financial details.

Web-based applications provided by FINTEL are protected using SSL (Secure Sockets Layer) technology. We use Geotrust as our SSL Certificate provider. Sites secured by Geotrust QuickSSL are utilizing 128-bit SSL certificates thereby offering the highest level of encryption or security possible. This means you can rest assured that communications between your browser and our's web servers are private and secure.

Please be advised, however, that the confidentiality of any communication or material transmitted to or from FINTEL via this Site or e-mail cannot be guaranteed. Accordingly, FINTEL is not responsible for the security of information transmitted via the Internet. For more private communication, contact us by telephone at: Support (9 AM - 5 PM CT / Monday - Friday) (608) 217-9153; email: support@fintel.us.

11. Opt-Out

If you want to elect out of receiving direct communication from FINTEL, please send us an email at support@fintel.us to let us know of your request. This opt-out will not apply to communications required under law or regulations.

12. Children

FINTEL is committed to protecting the privacy of children. This Site is not designed or intended to attract children under the age of 13. We do not collect or accept personal information from any person we actually know is under the age of 18.

13. Review, Change or Correct Information

Personal identification and financial information may be reviewed, changed or corrected at any time. You are responsible for maintaining the accuracy and completeness of your personal and other information. We urge you to review your information regularly to ensure that it is correct and complete. If you would like to review your personal or financial information, or if you believe that any of your information is incorrect, or if you have any questions regarding your personal or financial information, of if you have any questions or concerns regarding this Privacy Statement, simply contact FINTEL support at support@fintel.us for assistance.

Definitions:

1 An affiliate is a company that we own or control or with which there is common ownership with us and our parent company.

2 A "cookie" is a small piece of information sent by a Web server to store on a Web browser so it can later be read back from that browser.

3 If you set your browser to alert you to cookies being placed, a prompt screen requesting acceptance will describe information about the cookie, its duration, and the server it is being returned to.