Privacy Statement

TopRate Services LLC is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to all TopRate Services LLC sites and governs data collection and usage. By using the TopRate Services LLC sites, you consent to the data practices described in this statement.

Collection of your Personal Information

TopRate Services LLC collects personally identifiable information, such as your email address, name, home or work address or telephone number. TopRate Services LLC may also collect anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by TopRate Services LLC. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by TopRate Services LLC for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the TopRate Services LLC site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through TopRate Services LLC public message boards, this information may be collected and used by others. Note: TopRate Services LLC does not read any of your private online communications not directed specifically to one of our team members.

TopRate Services LLC encourages you to review the privacy statements of Web sites you choose to link to from TopRate Services LLC so that you can understand how those Web sites collect, use and share your information. TopRate Services LLC is not responsible for the privacy statements or other content on Web sites outside of the TopRate Services LLC and TopRate Services LLC family of Web sites.

Use of your Personal Information

TopRate Services LLC collects and uses your personal information to operate the TopRate Services LLC Web site and deliver the services you have requested. TopRate Services LLC also uses your personally identifiable information to inform you of other products or services available from TopRate Services LLC and its affiliates. TopRate Services LLC may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

TopRate Services LLC does not sell, rent or lease its customer lists to third parties. TopRate Services LLC may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, TopRate Services LLC may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to TopRate Services LLC, and they are required to maintain the confidentiality of your information.

TopRate Services LLC does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

TopRate Services LLC keeps track of the Web sites and pages our customers visit within TopRate Services LLC, in order to determine what TopRate Services LLC services are the most popular. This data is used to deliver customized content and advertising within TopRate Services LLC to customers whose behavior indicates that they are interested in a particular subject area.

TopRate Services LLC Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on TopRate Services LLC or the site; (b) protect and defend the rights or property of TopRate Services LLC; and, (c) act under exigent circumstances to protect the personal safety of users of TopRate Services LLC, or the public.

Use of Cookies

The TopRate Services LLC Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize TopRate Services LLC pages, or register with TopRate Services LLC site or services, a cookie helps TopRate Services LLC to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same TopRate Services LLC Web site, the information you previously provided can be retrieved, so you can easily use the TopRate Services LLC features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the TopRate Services LLC services or Web sites you visit.

Security of your Personal Information

TopRate Services LLC secures your personal information from unauthorized access, use or disclosure. TopRate Services LLC secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

TopRate Services LLC will occasionally update this Statement of Privacy to reflect company and customer feedback. TopRate Services LLC encourages you to periodically review this Statement to be informed of how TopRate Services LLC is protecting your information.

Contact Information

TopRate Services LLC welcomes your comments regarding this Statement of Privacy. If you believe that TopRate Services LLC has not adhered to this Statement, please contact TopRate Services LLC at We will use commercially reasonable efforts to promptly determine and remedy the problem.