WHAT THIS PRIVACY POLICY COVERS

OCHM takes your privacy seriously. Please read the following to learn more about our privacy policy.

The federal government and technology industry have developed practical tips to help you guard against Internet
fraud, secure your computer and protect your personal information.

How OCHM Uses Your Personal Information

This policy covers how OCHM treats personal information that OCHM collects and receives, including information
related to your past use of OCHM products and services. Personal information is information about you that is
personally identifiable like your name, address, email address, or phone number, and that is not otherwise
publicly available.

This privacy policy only applies to OCHM

This policy does not apply to the practices of companies that OCHM does not own or control, or to people that
OCHM does not employ or manage. In addition, some companies that OCHM has acquired have their own,
preexisting privacy policies which may be viewed on our acquired companies page.


INFORMATION COLLECTION AND USE

General


OCHM collects personal information when you register with OCHM, when you use OCHM products or services,
when you visit OCHM pages or the pages of certain OCHM partners, and when you enter promotions or
sweepstakes. OCHM may combine information about you that we have with information we obtain from business
partners or other companies.

When you register we ask for information such as your name, email address, birth date, gender, ZIP code,
occupation, industry, and personal interests. For some financial products and services we might also ask for your
address, Social Security number, and information about your assets. When you register with OCHM and sign in to
our services, you are not anonymous to us.

OCHM collects information about your transactions with us and with some of our business partners, including
information about your use of financial products and services that we offer.

OCHM automatically receives and records information from your computer and browser, including your IP
address, OCHM cookie information, software and hardware attributes, and the page you request.

OCHM uses information for the following general purposes: to customize the advertising and content you see,
fulfill your requests for products and services, improve our services, contact you, conduct research, and provide
anonymous reporting for internal and external clients.

Minor


When a minor under age 18 attempts to register with OCHM,

OCHM does not contact minors under age 18 about special offers or for marketing purposes without a parent's
permission.

OCHM does not ask a minor under age 18 for more personal information, as a condition of participation, than is
reasonably necessary to participate in a given activity or promotion.

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INFORMATION SHARING AND DISCLOSURE

OCHM does not rent, sell, or share personal information about you with other people or non-affiliated companies
except to provide products or services you've requested, when we have your permission, or under the following
circumstances:
•We provide the information to trusted partners who work on behalf of or with OCHM under confidentiality
agreements. These companies may use your personal information to help OCHM communicate with you about
offers from OCHM and our marketing partners. However, these companies do not have any independent right to
share this information.
•We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend
against legal claims.
•We believe it is necessary to share information 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
OCHM terms of use, or as otherwise required by law.
•We transfer information about you if OCHM is acquired by or merged with another company. In this event, OCHM
will notify you before information about you is transferred and becomes subject to a different privacy policy.

OCHM displays targeted advertisements based on personal information. Advertisers (including ad serving
companies) may assume that people who interact with, view, or click targeted ads meet the targeting criteria—for
example, women ages 18-24 from a particular geographic area.
•OCHM does not provide any personal information to the advertiser when you interact with or view a targeted ad.
However, by interacting with or viewing an ad you are consenting to the possibility that the advertiser will make the
assumption that you meet the targeting criteria used to display the ad.
•OCHM advertisers include financial service providers (such as banks, insurance agents, stock brokers and
mortgage lenders) and non-financial companies (such as stores, airlines, and software companies).

OCHM works with vendors, partners, advertisers, and other service providers in different industries and
categories of business. For more information regarding providers of products or services that you've requested
please read our detailed reference links.

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COOKIES

OCHM may set and access OCHM cookies on your computer.

OCHM lets other companies that show advertisements on some of our pages set and access their cookies on
your computer. Other companies' use of their cookies is subject to their own privacy policies, not this one.
Advertisers or other companies do not have access to OCHM's cookies.

OCHM uses web beacons to access OCHM cookies inside and outside our network of web sites and in connection
with OCHM products and services.

Your Ability to Edit and Delete Your Account Information and Preferences


General

You can edit your OCHM Account Information, including your marketing preferences, at any time.

New categories of marketing communications might be added to the Marketing Preferences page from time to
time. Users who visit this page can opt out of receiving future marketing communications from these new
categories or they can unsubscribe by following instructions contained in the messages they receive.

We reserve the right to send you certain communications relating to the OCHM service, such as service
announcements, administrative messages and the OCHM Newsletter, that are considered part of your OCHM
account, without offering you the opportunity to opt out of receiving them.

You can delete your OCHM account by visiting our Account Deletion page. Please click here to read about
information that might possibly remain in our archived records after your account has been deleted.


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CONFIDENTIALITY AND SECURITY

We limit access to personal information about you to employees who we believe reasonably need to come into
contact with that information to provide products or services to you or in order to do their jobs.

We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal
information about you.

To learn more about security, including the security steps we have taken and security steps you can take, please
read Security at OCHM.

CHANGES TO THIS PRIVACY POLICY

OCHM may update this policy. We will notify you about significant changes in the way we treat personal
information by sending a notice to the primary email address specified in your OCHM account or by placing a
prominent notice on our site.

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QUESTIONS AND SUGGESTIONS

If you have questions, suggestions, or wish to make a complaint, please complete a feedback form or you can
contact us at:

OCHM Inc.
Customer Care - Privacy Policy Issues
27475 Ynez Rd Suite #338
Temecula, CA 92591
(714) 204-5849

If you feel that your inquiry has not been satisfactorily addressed, please click here for information on consumer
agencies that may be able to provide you with additional assistance.

Effective Date: November 22, 2010

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Highlights




What was Updated?


Manage Interest-Based Ads


To help make your experiences with OCHM more relevant, we employ interest-based ads. Manage your interest-
based categories, or opt-out of all categories, from the OCHM! Ad Interest Manager.


RELEVANT ADVERTISING


By bringing content and advertising to you that is relevant and tailored to your interests, OCHM provides a more
compelling online experience. Our customized "smart" services save you time and cut through the clutter. Learn
More about relevant advertising.


Copyright © 2011 OCHM Inc. All Rights Reserved.