Updated as of September 25, 2009

Company Practices Regarding Your Privacy

The websites www.HSH.com, HomePlans.HSH.com, BestRates.com, BankRates.com, www.ArmIndexes.com, HSHMarketTrends.com, and/or HSH mirror sites, co-branded sites, and/or derivative sites (collectively "HSH.com" or "HSH") are subsidiaries of HSH Associates, Financial Publishers. We at HSH.com are committed to respecting your online privacy and recognize your need for appropriate protection and management of any information you share with us by using our web site.

HSH.com has established the following Online Privacy Policy so that you can understand the care with which we intend to treat your information. This policy describes the overall privacy practices of HSH.com regarding information we collect. This policy does not apply to the practices of companies that HSH.com does not own or control, or to people that HSH.com does not employ.

Information Collected by HSH.com

HSH.com collects various types of information from you which may include, but is not limited to, the following: Name, City, State, Address, Zip Code, Work Phone, Home Phone, Email Address, Best Time to Call and other contact information.

Non-Personally Identifiable Consumer Information

HSH.com collects various types of information from you to better meet your needs and to provide you with a more relevant user experience. Some of this information is collected automatically through cookies (a small text file placed on your computer) or other Internet tracking technologies. The type of information your browser or Internet session may automatically provide us with can include the browser you are using, your Internet domain, the operating system on your computer, your IP address and the URL you visited just before coming to the HSH.com site, the pages of the site you visited and the URL of the page you visited upon leaving the site.
HSH.com may also contract with reputable third-party advertising companies to serve ads on our behalf. These companies may also use cookies or other measures to collect your non-personally identifiable information.

Personally Identifiable Consumer Information

In addition, we collect information that you may choose to provide to us when requesting additional information, including, without limitation, information provided in connection with signing up for email updates and newsletters or posting blog commentary, or other information provided when requesting additional information from us or from one or more of our clients. Examples of personally identifiable data that you may provide to us include name, address, and email address. If you provide personally identifiable data to us, you may later elect to have your information deleted from our files, or kept from being used for purposes other than for the service requested, by following the opt-out procedures set forth below.

In addition, our website allows users to comment on blog posts. Please remember that any information that is disclosed in blog commentary becomes public information, and you should exercise caution when deciding to disclose your personal information. Any information posted as a comment on the blog posts is subject to our Terms of Use.

How Collected Information is Used

The non-personally identifiable information that HSH.com collects is used for marketing and sales efforts to better target advertisements and other content in an effort to create a more personally relevant experience. The information is also used to predict responses to advertisements, and to help determine which ads perform best and which content is most appropriate for different individuals.
If you elect to provide HSH.com with personally identifiable information, we may utilize such information for marketing purposes, and this use may result in follow-up communications from HSH.com and from our clients. In addition, that information may be combined with information collected from other sources to assist with targeting ads to your preferences and behaviors, and for other HSH.com sales and marketing efforts. In addition to any other use described in this Privacy Policy, we will make uses of data submitted by you that are described in our Terms of Use.

Sharing Information with Third Parties

All personally identifiable information you provide is maintained in confidence by HSH.com. There are instances, however, in which your personally identifiable and non-personally identifiable information is shared with third parties, as described below. Your non-personally identifiable data may be shared with third-party partners of HSH.com on an anonymous basis.
When you request information from HSH.com or one or more of our clients, we may transfer that information within HSH.com or route your information to our client(s), across borders and from your country or jurisdiction to other countries or jurisdictions around the world, so that they may provide the information on their product or service that you requested. We may also disclose information to a third party who provides substantially similar services as the original service about which you requested more information. In such situations, we will provide you with an opportunity to opt-out of such sharing. Please be aware that HSH.com is very careful in selecting companies with whom it does business.
In addition to the above situations where your information may be shared with others, there is also the possibility that HSH.com, or part(s) HSH.com, may one day be purchased by, or merged with, another company. In the event of such transaction, the acquiring (or merging) company will have access to all collected personally identifiable information. Finally, HSH.com may share your information as necessary to comply with a court order or to cooperate with government and law enforcement officials.

Security

Wherever your personally identifiable information may be held within HSH.com or on its behalf, we intend to take reasonable and appropriate steps to protect the information you shared with us from unauthorized access or disclosure. Please note that while HSH.com will make every reasonable effort to protect your information, no transmission of data over the Internet is 100% secure.

Choice

Non-Personally Identifiable Consumer Information - Use of Cookies & Opting-Out

HSH.com may utilize cookies to collect information about your website activities and to recall the personal information you previously shared with us. Most browsers allow you to control cookies, including whether or not to accept them and how to remove them. You may set most browsers to notify you if you receive a cookie, or you may choose to block cookies with your browser. Blocking cookies may result in a lower quality experience for you while you are visiting the HSH.com website.

Personally Identifiable Consumer Information - Opting-Out

You may choose whether or not to provide personally identifiable information to HSH.com. If you choose to provide such information to HSH.com, you have the right to tell us not to make some of the uses of such information described herein or may have such information deleted in its entirety. If you no longer wish to receive our email updates, newsletters or promotional communications via email, you may opt-out by clicking here http://unsubscribe.HSH.com and following the instructions to unsubscribe. To have your personal information completely removed from our databases, if feasible, simply contact us at privacy@hsh.com and provide the name of the service for which information was provided, your full name, mailing address, phone number and email address so that we may identify you in the opt-out process. Once we receive your instruction, we will promptly take corrective action.

Access/Accuracy

To the extent that you do provide us with personally identifiable information, HSH.com wishes to maintain the accuracy of this information. Where we collect personally identifiable information from you on the Internet, our goal is to provide a means of contacting HSH.com should you need to update or correct that information. If for any reason those means are unavailable or inaccessible, you may send updates and corrections about your personally identifiable information to privacy@hsh.com and we will make reasonable efforts to incorporate the changes in the information that we hold as soon as practicable.

Children's Privacy

In compliance with the Children's Online Privacy Protection Act (COPPA), HSH.com.com is not structured to attract children. Accordingly, we do not intend to collect personally identifiable information from anyone we know to be under 13 years of age.

Refer a Friend

HSH.com may offer you the opportunity to easily notify a friend of the offer or information promoted on the site. If you choose to use our referral service to tell a friend about the HSH.com site, we will ask you for your friend's personally identifiable information, including name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. HSH.com stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Your friend may contact us at privacy@hsh.com to request that we remove this information from our database. Our one-time email to your friend will inform him or her of this fact.

Your California Privacy Rights

California has passed legislation requiring certain specific disclosures be made available to California residents who use the Internet and provide information that may be used for marketing purposes. That legislation requires any business that discloses a customer’s personal information (as defined by the act) to any third party for direct marketing purposes to provide the customer a method for obtaining the names, addresses and certain other specified details of anyone who might have received that personal information.

If you are a California resident you may request this information from HSH.com or any of its affiliates by writing to HSH.com 1051 E. Hillsdale Blvd., 8th Floor Foster City, CA 94404 Attn: California Privacy Rights or by sending an e-mail to privacy@hsh.com. HSH.com is not obligated to respond to more than one such request from you per calendar year.

Commitment

Protecting your privacy online is an evolving area, and HSH.com's websites is constantly changing to meet these demands.

If you have any comments or questions regarding our Online Privacy Policy, please contact us at privacy@hsh.com. While we cannot guarantee privacy perfection, we will address any issue to the best of our abilities as soon as practicable after you bring it to our attention.

Your Consent

By using this website, you consent to the terms of our Online Privacy Policy and to HSH.com's processing of personally identifiable information for the purposes given above. Should the Online Privacy Policy change, we intend to take every reasonable step to ensure that these changes are brought to your attention by posting all changes prominently on our web site for a reasonable period of time and by amending this privacy policy.

Contacting Us

For more information, or if you have questions or concerns regarding HSH.com's Privacy Policy, you may email us at privacy@hsh.com or you can send correspondence to the following address:

Privacy/Legal Dept
HSH.com,
1051 E. Hillsdale Blvd.,8th Floor
Foster City, CA 94404

Thank you for visiting our web site. We hope you have a pleasant experience while you are here.