PRIVACY POLICY

NLI respects the privacy needs and concerns of our customers. That is why how we handle any personal information, such as your name, address, email address or phone number ("Personal Information") that you provide to us is important to us. To earn your trust, we respect your privacy in handling Personal Information relating to you and your transactions with us. This Privacy Statement describes the Personal Information we gather about you and what we do with it. By using the Sites, the user agrees, without limitation or qualification, to be bound by this Privacy Statement.

When you provide Personal Information on our Sites, you are consenting to the manner in which NLI will collect, use, disclose and otherwise manage your Personal Information, as set out below.

Who May Use the Sites: The Sites are not intended or designed to attract users under the age of 18. We do not collect Personal Information from any person we know to be under the age of 18. If you are under 18, we ask that you not send us any Personal Information.

The Sites are intended for users from the United States and those around the world. Information sent to us will be housed on servers located in the United States.

Collection and Use of Personal Information: We may collect Personal Information that you provide us when you:

• Purchase, order, return, exchange or request certain information about our products and services;
• Contact a Call Center or customer service desk;
• Visit or register with our Sites or participate in another feature of our Sites;
• Enter into a contest or sweepstakes or respond to one of our surveys; 
• Provide us with comments or suggestions; or
• Aggrevated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers needs and to help our advertisers and sponsors better understand the demographics of our audience. Because NLI derives its revenue from  advertising, providing such aggregated demographic data is essential to our service for users. Under no circumstances does NLI divulge any information about an individual user to a third party.

OPT-OUT POLICY

We give users options wherever necessary and practical. Such choices may include:

• Opting not to register to receive our electronic newsletters.
  
  
• Opting not to participate in certain interactive areas, which completely alleviates the need to gather any personally identifiable information from our users

YOUR CONSENT

By using this site, you consent to the collection and use of this information by NLI. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.