Espenschied Business Group - Privacy




			Updated September 6, 2004




			The EBGroup privacy policy applies to consumers who are current or former EBG clients or who visit the EBG website.


			Information We Collect




			To render our services, we collect personal information in the normal course of business. We collect information that you provide to us when you inquire about our products and services--whether by phone, fax, Web site, e-mail, in person, or by another other means of interaction. When you sign up for our e-mail newsletters, we collect your first and last name and e-mail address. Other information, such as areas of interest or phone number, are optional for subscription to the Online Financial Services Advisor.


			We will never provide customer identifying data to an outside party without your prior, confirmed consent.


			Cookies and Other Web Tools




			EBGroup currently uses cookies on its Web site. The cookie ascribes a unique identifying number to the computer from which you visit. The cookie collects no personal information. If, during a Web session, you choose to identify yourself voluntarily, the cookie is ascribed to your personal information. Web log data such as pages visited within e-bgroup.com are matched with the cookie to help determine the interests of known users, particularly current customers of EBG.


			How EBG Uses Your Information




			EBG may periodically use customer-volunteered contact information, such as a postal address, telephone number, or e-mail address, to inform you about new products and services or upcoming events. From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check this page periodically.


			Shared information




			EBG will not sell, transfer, assign, or rent your customer information to any third party without your permission. In the unlikely event that EBG changes this policy, we will provide advance notice.


			In situations where required by law, EBG may share this information in cooperation with law enforcement authorities.


			EBG willfully discloses customer data to those parties who help us deliver services to you, for example, those who maintain subscription information and deliver e-mail newsletters. When we disclose customer data to such third parties, we require them to comply with our privacy policy.


			Security and Enforcement




			EBG employees and agents who have access to customer data are required to comply with this privacy policy.


			We protect your information from loss, misuse, alteration, or unauthorized disclosure by encrypting the data that you provide us with current encryption tools, including HTTPS (Hypertext Transfer Protocol Secure) and SSL (SecureSocket Layer) protocols.


			Your Access to Personal Data




			Any visitor may view or modify any information EBG has collected by contacting us at custservice@e-bgroup.com. You may also use this address to request an update of your records or to remove any information we have collected about you.


			Contacting Us Regarding Privacy and Security




			If you have questions, concerns, or complaints about EBGroup privacy policy or practices, you may contact at the address below:


			Espenschied Business Group, Inc.


			7669 E. Milton Dr.


			Scottsdale AZ 85262


			Tel:(818) 438-5316


			Fax:(805) 435-1481


			E-Mail:custservice@e-bgroup.com