Privacy Policy

Precept Financial Solutions, Inc. ("Precept Financial Solutions, Inc.," "we," "us" or "our") operates a Web site located at www.PreceptFinancial.com (the "Site") from which users can gather information concerning news and services provided by Precept Financial Solutions, Inc. (the "Precept Financial Solutions, Inc. Services"). This Precept Financial Solutions, Inc. Privacy Policy ("Privacy Policy") covers our treatment of personally identifiable information that we collect when you access the Site and when you use the Precept Financial Solutions, Inc. Services.

Information Collection and Use
Precept Financial Solutions, Inc. receives a variety of "personally identifiable information," including your email address, IP address, and message content. Precept Financial Solutions, Inc. also collects names and mailing addresses (including street, city, state, and zip code) from users providing the information. We use this personally identifiable information as follows:

Precept Financial Solutions, Inc. also requires that you provide your email address on the contact us section of the Site so that we are able to respond to your question(s) by email. You have the option of also providing information regarding your name, demographics (such as your state and country of residency), operating system, browser, Internet service provider ("ISP"), connection type and email program that you are using. Precept Financial Solutions, Inc. also automatically receives and records information on our server logs from your browser, including your IP Address and the page you requested. Your IP address is not linked to your email address or Precept Financial Solutions, Inc.. In certain areas of this Site, we require that you provide us with personally-identifiable information, in order to be able to use that portion or those portions of this Site. For instance, the names and contact information of persons who visit our Web sites are added to our database so that, for example, they may be contacted in the future regarding Precept Financial Solutions, Inc.'s products, services or future opportunities. Such contact may occur by email, telephone or mail, as Precept Financial Solutions, Inc. deems appropriate. Precept Financial Solutions, Inc. uses your email address for the following purposes:

• to contact you about the Precept Financial Solutions, Inc. Services or the Site.
• to notify you when you receive a Precept Financial Solutions, Inc. email message.
• to communicate with you concerning problems or malfunctions you report.

Information Sharing and Disclosure
Precept Financial Solutions, Inc. will not sell or rent your email address, name, mailing address, or other supplied information to anyone. Precept Financial Solutions, Inc. will not share your email address, first or last name, mailing address, or other received information to anyone, except as stated below:

We may disclose personally identifiable information about you as legally required in order for us to respond to subpoenas, court orders, or other legal processes.

Changes to This Privacy Policy
Precept Financial Solutions, Inc. may amend this Privacy Policy from time to time. If we make any substantial changes in the way we use your personal information, we will notify you by posting a prominent announcement on the Site.

Questions or Suggestions
If you have questions or suggestions, send an email to pandrews@preceptfinancial.com.

IP Addresses
 When your Web browser or email application requests a Web page from another computer on the Internet, it automatically gives that computer the address where the requested information should be sent. This is called your computer's "IP address." (IP stands for "Internet protocol.") For most users accessing the Internet from a dial-up ISP, the IP address may be different every time you log on.

Information Collection and Use Practices
Precept Financial Solutions, Inc. receives your IP address each time you view a Web page from the Site. Your IP address is not linked to your email address or any other personally identifiable information. Your IP address may be used for various purposes, including:

• to diagnose service or technology problems reported by you that are associated with your IP address.
• to estimate the total number of users visiting the Site from specific locales, countries or regions of the world.

Log Files
When a Web page on the Site is requested, that request (including the date and time) is logged on our servers with information including the IP address of the computer that requested the page.

We use log files for debugging and troubleshooting purposes. IP addresses and access times are not linked to your email address or any other personally identifiable information.

Cookies
If you request certain services from us, Precept Financial Solutions, Inc. may then attempt to set cookies on your computer and later access those cookies. You can normally refuse cookies by setting preferences in your browser. You do not need to accept cookies in order to use the Precept Financial Solutions, Inc. Services.

A cookie is a small amount of data, which often includes a unique identifier that is sent to your browser from a Web site's computers and then stored on your computer's hard drive. A cookie cannot obtain information from your hard drive, destroy files, or transmit viruses.

Each Web site can send its own cookie to your browser, if your browser's preferences allow it. To protect your privacy, your browser normally only permits a Web site to access cookies that it has previously sent to you, but not the cookies sent to you by other sites.

Choices About Cookies
You can normally configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is set. (Each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences.)
If you reject all cookies, you will still be able to use the Precept Financial Solutions, Inc. Services.
Cookies are used only as an option selected by you that allows us to recall your email address from the cookie that we sent to your computer.

Data Storage/User Information
All Precept Financial Solutions, Inc. account information (including names, mailing addresses) and content of email messages are stored on multiple redundant disk storage systems. No removable offline copies or backups are made. If you request deletion of your email address or any other identifiable information, your information will be deactivated and removed from our user registration database within 30 days.

In reviewing the information above, please keep in mind that Precept Financial Solutions, Inc. cannot and does not assume any responsibility for any actions or omissions of third parties, including other Site users, including the manner in which they might use information received either from Precept Financial Solutions, Inc. or independently.