Privacy & Security

Last Updated: June 4, 2008

neoSaej respects your privacy and is committed to safeguarding personal information submitted to us. This privacy policy covers the neoSaej corporate website only, neoSaej.com. Some or our programs and subsidiaries, such as MoneyAisle.com, operate their own websites. Those sites have their own privacy policies and we encourage you to read them when visiting those sites. This policy describes the personal information we collect and how we handle and protect it.

Why and How We Collect Personal Information

We collect personal information to enable us to provide products and services to you and to improve and conduct our business. For example, we collect personal information to:

Provide you with information about products and services that may be of interest to you.
Consider and respond to employment-related inquiries and applications
Discuss collaborative efforts with potential partners
To personalize our communications with you.

Personal information is any information that can be used to identify an individual and may include, but is not limited to, name, email address, postal address, title, occupation, and other information required to provide a service, deliver a product, or carry out a transaction you have requested. We collect information from a variety of sources, including information you submit on this website and from third parties. We may also collect other information, such as information automatically received from your computer and browser, including your IP address, and software and hardware attributes.

Use of Information from Employment Candidates

NeoSaej will use the information you submit for recruitment purposes only and, if you are offered a job or become employed by neoSaej, for other employment-related purposes. By submitting your resume to NeoSaej, you agree that we may use it for recruitment purposes; it will not be shared with others for non-recruitment purposes.

How We Protect Personal Information

We utilize a combination of security technologies, procedures, and organizational measures to help protect your personal information from unauthorized access, use or disclosure. Personal information that we collect from you is stored on servers in our United States data centers, and protected by network firewalls, encryption, and multiple levels of physical access control. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. Only authorized employees who need to have access to personal information to perform their jobs are permitted to use your personal information, and may do so only for permissible business reasons. Employees who have access to your personal information are required to maintain and protect the confidentiality of that information and must follow established procedures.

Why and How We Share Information With Our Affiliates

We may share your personal information (as described above in "Why and How We Collect Personal Information") with our affiliates as required or permitted by applicable laws. Our affiliates are companies controlled or owned by us, or companies that control us, or are under common control with us. We may share with our affiliates your name, contact information and information about our transactions and experiences with you so that they or we may offer products or services that may be appropriate for you and to conduct business.

Why and How We Share Information With Nonaffiliated Third Parties

We do not and will not rent or sell your personal information. However, we may share your personal information with any of neoSaej’s business partners. (See "Why and How We Collect Personal Information"). We may also share your personal information with companies that we hire to perform services for us, such as vendors that provide data processing, computer software maintenance and development, transaction processing and marketing services. Finally, we may disclose personal information to others, including nonaffiliated companies and regulatory authorities, as required or permitted by applicable law. For example, we may disclose personal information to:

Respond to subpoenas or comply with investigations by regulatory authorities or law enforcement agencies.
Protect against or prevent actual or potential fraud, unauthorized transactions, claims or other liabilities.

If we believe it is necessary, we may also share personal information as permitted by applicable law in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of our terms of use or other agreements you enter into with us, or as otherwise required by law.

You should be aware that any personally identifiable information you submit to blogs on our site can be read, collected, or used by other users of these forums, and could, among other things, be used to send you unsolicited messages. We are not responsible when you choose to submit personally identifiable information to these forums.

We may transfer information about you if all or part of our business is acquired by or merged with another company. In this event, we will notify you before information about you is transferred and becomes subject to a different privacy policy.

OTHER INFORMATION ABOUT OUR PRIVACY PRACTICES

There may be places on our website where you may click on a link to access third-party websites that are not covered by this Privacy Policy. These third-party websites may collect personal information from you and, in some instances, provide us with information about your activities on those websites. We recommend that you consult the privacy statements of all third-party websites you visit.

Children's Privacy

Our website is a general audience site. We do not knowingly collect personal information from children under the age of 13. In fact, you must be 18 years old or older to provide personal information on this site.

Cookies and Web Beacons: Web-related Information Collection

We use cookies on our web site, including session ID cookies and persistent cookies. A cookie is a text file sent by a web server to a web browser, and stored by the browser. The text file is then sent back to the server each time the browser requests a page from the server. This enables the web server to identify and track the web browser and load the pages according to a user's preferences for that particular site, including the personalization of content. Cookies are not tied to personally identifiable information.

Session ID cookies follow your activities on our site so that we can ensure that no one is making changes to your profile, applying for loans or making loans on your behalf. This information is encrypted and no personal data about you is stored on our servers in connection with the use of cookies.

We may send a cookie that can be stored by your browser on your computer's hard drive. We may use the information we obtain from the cookie in the administration of our web site, to improve its usability and for evaluating our marketing effectiveness as described above. Most browsers allow you to refuse to accept cookies. (For example, in Internet Explorer you can refuse all cookies by clicking "Tools", "Internet Options", "Privacy", and selecting "Block all cookies" using the sliding selector). Blocking cookies, however, can also have a negative impact on the usability of many web sites.

Cookies may have long-term expiration dates and thus can stay on your hard drive for months at a time. While you can remove them as instructed by the help content in your chosen browser, disabling cookies will prevent you from using our site. As with many transactional web sites, cookies must be enabled in order to use our site.

We use a third-party tracking service that uses cookies and web beacons to track non-personally identifiable information about visitors to our site in the aggregate (such as page views and referral page information to track the success of our marketing efforts to bring people to our site as well as overall site performance). No personal or sensitive information is transmitted to advertising partners. In addition, we automatically receive and record information from your computer and browser, including your IP address, software and hardware attributes, and the page you request. This information is used for security purposes and for the design and assessment of marketing efforts.

Revising Your Personal Information

If you believe any of the personal information that we maintain about you should be changed, you can contact us at the address below so that we can correct it.

Changes to this Privacy Policy

We may revise or update this Privacy Policy from time to time to reflect changes in our practices. When we make changes to this Privacy Policy, we will revise the "last updated" date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share personal information, we will notify you as required by law, such as by sending an email to the email address you most recently provided us and/or by prominently posting notice of the changes on our website. We recommend that you check our website from time to time to determine whether there have been any changes to this Privacy Policy.

If you have questions or concerns regarding this statement, you should contact us at: