Privacy Policy Guiding Principles
Any information that you submit to us through our websites - whether through a survey, contact or registration form, text or e-mail - will be used only by Clover Forest. We will use your personally identifiable information just for the specific reason for which you submitted it, (e.g., to respond to your inquiry). We will take reasonable precautions to protect your personal information including encryption with SSL technology and passwords when appropriate. You will generally receive e-mail only for information you have requested or as confirmation of information you submitted (e.g., confirmation of your request). Clover Forest will use overall demographic data of our website users to improve the site and enhance services. These demographic trends will not be traceable to an individual's personal information. On rare occasions, Clover Forest may contact registered users by e-mail to inquire about interest in potential new services.

Information Collection and Use
Clover Forest is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement, except to vendors and agents in support of Clover Forest activities. Clover Forest does not commercially sell any customer lists or e-mail addresses. We may, however, disclose personal information if permitted or required to do so by law or in the good-faith belief that such action is necessary to (a) conform to applicable law or comply with legal process served on Clover Forest; (b) protect and defend the rights or property of Clover Forest, its websites, or website users; or (c) act under exigent circumstances to protect the personal safety of users of Clover Forest, its websites, or the public.

Registration
In order to use some parts of Clover Forest's websites, a user must first complete a registration form. During registration a user is required to give their contact information, usually name and e-mail address. This information is primarily used to contact the user about the services on our sites for which they have expressed interest (such as access to manage their account with Clover Forest). If ever requested, it is optional for the user to provide demographic data. Providing such data is encouraged, however, so we can provide you with better information when using our sites.

Cookies
A cookie is a piece of data stored on the user's hard drive containing information about the user. Usage of a cookie is not linked to any personally identifiable information while visiting the Clover Forest websites. Once the user closes his or her browser, the cookie simply terminates. For instance, by setting a cookie on our site, the user would not have to log in a password more than once, thereby saving time while on our site. If a user rejects the cookie, he or she may still use our site. The only drawback is that the user will be limited in some areas of our site (i.e., cannot view certain content). Cookies can also enable us to track and target the interests of our users to further develop our websites. Clover Forest does not use Cookies to retrieve information from your computer that was not originally sent in a Cookie. Except as described in this Privacy Policy, we do not use information transferred through Cookies for any promotional or marketing purposes, nor is that information shared with any third parties except when those third parties are performing services for Clover Forest.

Collection of Anonymous Information
In addition to the use of personal information, Clover Forest may also gather anonymous information which may be used by us or shared with third parties performing services for us. Generally this information is collected through "traffic data" and may entail the use of Cookies and IP addresses. Clover Forest uses such traffic data to help determine how our users use parts of our websites so we can analyze trends, administer the site, track users' sequences of movements through the sites, gather broad demographic information for aggregate use to make a better website experience for you. IP addresses and other traffic data are not linked to personally identifiable information and are therefore anonymous.

Links
This website may contain links to other sites. Please be aware that Clover Forest is not responsible for the privacy practices of non-Clover Forest websites. Clover Forest is not responsible for content provided on these sites nor for the validity of content on these sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. The Clover Forest Privacy Statement applies solely to information collected by Clover Forest websites.

Security Policy
We exercise care in providing secure transmission of your information from your computer to our servers. Personal information collected by Clover Forest websites is stored in secure operating environments that are not available to the public. In many instances, such as in the case of credit card numbers and all on-line purchases, the personal information is encrypted before you conduct your transaction. Only those employees who need access to your information in order to do their jobs are allowed access. Any employee who violates our privacy and/or security policies is subject to disciplinary action, including possible termination and civil and/or criminal prosecution.

Assignment
Clover Forest may change its ownership or business organization while providing this website and services. As a result, please be aware that Clover Forest may transfer your information to another company that is affiliated with Clover Forest or with which Clover Forest has merged. Any new company will also follow this Privacy Policy.

Your Acceptance of These Terms
By using this website, you signify your acceptance of the Clover Forest Privacy Policy. If you do not agree to this policy, please do not use our website. Your continued use of the Clover Forest website following the posting of changes to these terms will mean you accept those changes.

Notification of Changes
If Clover Forest decides to change its Privacy Policy, we will post those changes so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We will use information in accordance with the privacy policy under which the information was collected. We do, however, recommend that you read this Privacy Policy each time you use our website for notice of changes to the Privacy Policy.

Correcting and Updating Information
Clover Forest also permits you to correct or update personally identifiable information that you have previously provided to us. To do so, send e-mail to: customerservice@cloverforest.com indicating the information that you wish to be corrected or updated.

Opt-Out Procedures
You always may opt-out of receiving future contacts or mailings. Clover Forest provides you with the opportunity to opt-out of receiving electronic communications from us and our partners each time we send you email other than email that is a specific response to a communication you've initiated to us or email we're sending you relating to servicing you as our customer for a specific engagement. To remove your personally identifiable information from our database or to not receive future communications, send e-mail to customerservice@cloverforest.com with the word "remove" in the subject line.

Questions
Questions regarding this statement should be e-mailed to customerservice@cloverforest.com.