TimesofMoney.Ltd ("TOML") operates the web site accessible from the URL www.timesofmoney.com ('Website').

At TOML, we dedicate ourselves to revolutionizing the way individuals and businesses manage their financial lives. We want to give you the comfort and confidence so that we can serve your needs better. In that effort, we respect and protect the privacy of those who visit or use our Website. We want you to know how your information is used and we therefore list below the practices which we have adopted for your reference in this regard:

1. We will strictly safeguard in accordance with this privacy statement the security and confidentiality of any information you share with us.
   
   
2. We will limit the collection and use of your information to what we require to deliver superior service to you, which includes administering our business and advising you about products, services and other opportunities from TOML and other companies and firms.
   
   
3. We will permit only Alliance Partners, Service Providers, our and their employees and other persons entitled to the information under this policy statement to have access to your information. Our employees who violate our privacy policies will be subject to our normal disciplinary process. We will not reveal customer information to any external organization not authorised by this Privacy Statement unless we have previously informed you on the Website or in agreements, or have been authorized by you, or are required by law.
   
   
4. We may permit use of your name, e-mail addresses, addresses, telephone and fax numbers and other relevant details for our own marketing or we may permit others to access the same for marketing. However, no information relating to your personal bank accounts or personal investments will be revealed to any third party without your consent unless required by law.
   
   
5. Complaints concerning sale of checks activities in Texas should be directed to: Texas Department of Banking 2601 North Lamar Boulevard, Austin, Texas 78705 1-877/276-5554 (toll free) www.banking.state.tx.us

Here is how and why we use some common Web technologies to help manage our Web sites:

• Cookies. In order to provide better service, we will occasionally use a "cookie." A cookie is a small piece of information which a Web site stores on your Web browser on your PC and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means.
  
  
• If you are a Registered User on the Web site, you will receive an additional cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our Web site that are limited to Registered Users, such as those that allow you to view and manage your portfolio or accounts.
  

You do not have to accept cookies from our site. Only the areas that require registration require cookies. Should you decide that you would like to register and login to special areas of the Web site and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send it. Otherwise, we will not be able to let you participate in certain areas of the Web sites. Most browsers are defaulted to accept and maintain cookies.

Advertising networks that serve ads on this Web site may assign different cookies to you. Those cookies may be used to track your involvement with the advertising on our site. You may choose not to accept these cookies.

• WebSite Usage Data. With or without cookies, our Web site keeps track of usage data, such as the source address that a page request is coming from, your IP address or domain name, the date and time of the page request, the referring Web site (if any) and other parameters in the URL. We use this data to better understand Web site usage in the aggregate so that we know what areas of our Web site users prefer. This information is stored in log files and is used for aggregated and statistical reporting.
  
  
• Co-branded and Third-Party Sites. Our co-branded sites are clearly identified by both an TOML and a partner's logo. The Website may provide links to third-party Web sites, such as those of our business partners and online advertisers. On these sites either the partner or its associates may collect information about you. TOML is not responsible for the actions of these third parties. We encourage you to review their privacy policies to learn more about what, why and how they collect and use personally identifiable information.

If we make changes to any of our privacy policies or practices with respect to how we use personally identifiable information, we'll post those changes to this privacy statement as and when they come into effect.

In some cases we may be required to disclose certain information to comply with a legal process, such as a court order, subpoena or search warrant.

We employ security safeguards to help protect the personally identifiable information that you have provided to us from loss, misuse and unauthorized alteration. Whenever you transmit sensitive information, such as a credit card number, to us through our Web site, we provide you access to our server that allows encryption of your data as it travels across the Internet.

We work to protect personally identifiable information stored on the sites' servers from unauthorized access using commercially available computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username and password are generally required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.