Our Commitment to Privacy
Your privacy is important to us. To better protect your privacy we provide this notice
explaining our online information practices and the choices you can make about the
way your information is collected and used. To make this notice easy to find, we
make it available on our homepage and at every point where personally identifiable
information may be requested. Our privacy policy is designed to inform you of the types
of information we collect, how we use that information, and the circumstances under
which we will share it with nonaffiliated third parties.

Information Collection and Use
Michigan Family Forum is the sole owner of the information collected on this site. We
will not sell, share, or rent this information to others in ways differently than we have
disclosed in this statement. Michigan Family Forum collects information from our users at
several different points on our website.

Examples of the types of nonpublic personal information collected at these pages are:

  • Name
  • Address
  • Web address
  • Email address
  • Phone Number
  • Order Information
  • Credit/Debit Card Information
  • Checking Account Information
  • Driver’s License Number
  • Social Security Number
  • Federal Tax ID/Employer Identification Number(EIN)

  • Additionally, we collect nonpublic personal information about you from the following
    sources (in addition to our website):

  • Information we receive from you on applications or other forms
  • Information about your transactions with us, our affiliates and others
  • Information we receive from a consumer-reporting agency
  • Categories of Nonaffiliated Third Parties to Whom we May Disclose Nonpublic Personal
    Information Nonaffiliated third parties are those companies not under direct or indirect
    ownership or control with Michigan Family Forum.

    We only disclose personal information about you to the following types of nonaffiliated
    third parties: Financial services providers, such as companies engaged in banking, credit
    cards, and consumer finance.

    We may also share the information we collect, as described above, with other
    nonaffiliated third parties such as third parties who may assist us in preparing monthly
    statements, and credit reporting agencies to whom we report information about your
    transactions with us.

    Please be advised that any opt out rights described below will not apply with the sharing
    of information necessary for us to process applications, such as with consumer reporting
    agencies, or to perform services that you request.

    By way of further example:

    In order to use this website, a user must first complete the registration form. During
    registration a user is required to give their full contact information. This information is
    used to evaluate the application and contact the user about the services on our site for
    which they have expressed interest. In order for this website to properly fulfill its
    obligation to our customers, it is necessary for us to supplement the information we
    receive with information from 3rd party sources. For example, to determine if our
    customers qualify for our service as an ISO, we use the name, driver’s license, and social
    security number to request a credit report for use in evaluating the creditworthiness of the

    We request information from consumers making purchases from our registered
    merchants within our shopping cart and order processing interfaces. Here a user must
    provide contact information (like name and shipping address), financial information (like
    credit card number, expiration date), and identity information (like social security
    number or Federal Tax ID). This information is used to fill customer’s orders, for billing
    purposes, and to verify the identity of the consumer to protect against fraud. If we have
    trouble processing an order, this contact information is used to get in touch with the user.

    A cookie is a piece of data stored on the user’s hard drive containing information about
    the user. Usage of a cookie is in no way linked to any personally identifiable information
    while on our site. Once the user closes their browser, the cookie simply terminates

    Log Files
    We use IP addresses to analyze trends, administer the site, track user’s movement, and
    gather broad demographic information for aggregate use. IP addresses are not linked to
    personally identifiable information.

    We partner with other parties to provide specific services. When the user signs up for
    these services, we will share names, or other contact information that is necessary for the
    third party to provide these services. These parties are not allowed to use use nonpublic
    personally identifiable information except for the purpose of providing these services.
    We do not otherwise disclose nonpublic information to anyone, except as permitted by

    This web site contains links to other sites. Please be aware that we, Michigan Family Forum,
    are not responsible for the privacy practices of such other sites. We encourage our users
    to be aware when they leave our site and to read the privacy statements of each and every
    web site that collects personally identifiable information. This privacy statement applies
    solely to information collected by this Web site. Operators may be subject to the FTC’s
    privacy regulations and if so, (i) the FTC’s regulations contain sample disclosures that
    operators may consider; and (ii) operators may be required to send annual notices in
    addition to initial disclosures to their customers.

    This website takes precautions to protect our users’ information. When users submit
    sensitive information via the website, your information is protected both online and off-
    line. When our registration/order form asks users to enter sensitive information (such as
    credit card number, social security number, and/or Federal Tax ID), that information is
    encrypted and is protected with SSL encryption software. While on a secure page, such
    as our order form, the lock icon on the bottom of Web browsers such as Netscape
    Navigator and Microsoft Internet Explorer becomes locked, as opposed to un-locked, or
    open, when you are just ‘surfing’. While we use SSL encryption to protect sensitive
    information online, we also protect user-information off-line. All of our users’
    information, not just the sensitive information mentioned above, is restricted in our
    offices. Only employees who need the information to perform a specific job (for
    example, our billing clerk or a customer service representative) are granted access to
    personally identifiable information. Our employees must use password-protected screen-
    savers when they leave their desk. When they return, they must re-enter their password to
    re-gain access to your information. Furthermore, ALL employees are kept up-to-date on
    our security and privacy practices. Every quarter, as well as any time new policies are
    added, our employees are notified and/or reminded about the importance we place on
    privacy, and what they can do to ensure our customers’ information is protected. Finally,
    the servers that we store personally identifiable information on are kept in a secure
    environment, behind a locked door or cage.

    If you have any questions about the security at our website, you can send an email to: info@michiganfamily.org

    Site and Service Updates

    We also send the user site and service announcement updates. We may close your
    account and/or refuse additional services if Members un-subscribe from service
    announcements, which contain important information about the service. We
    communicate with the user to provide requested services and in regards to issues relating
    to their account via email, fax, or phone.

    Correction/Updating Personal Information:
    If a user’s nonpublic personally identifiable information changes (such as your zip
    code), or if a user no longer desires our service, we will endeavor to provide a way to
    correct, update or remove that user’s personal data provided to us. This can usually be
    done by calling our headquarters at 517-374+1171 or by emailing our Customer Support
    Department at info@michiganfamily.org for more instructions.

    Opt-out requirements:
    As provided in this policy, we only provide your nonpublic personal information to a
    nonaffiliated third party in conjunction with the services that you have requested that
    we provide to you. All nonaffiliated third parties to whom we disclose your nonpublic
    personal information are contractually prohibited by us to disclose or use the information
    other than to carry out the transactions that you have requested. Accordingly, there is
    nothing for a user to opt out of with respect to how we currently use their non-public
    personal information.

    Notification of Changes
    If we decide to change our privacy policy, we will post those changes on our Homepage
    so our users are always aware of what information we collect, how we use it, and
    under circumstances, if any, we disclose it. If at any point we decide to use personally
    identifiable information in a manner different from that stated at the time it was collected,
    we will notify users by way of an email or US mailing so as to enable users to “opt-
    out” if we use their information in this different manner. We will use information in
    accordance with the privacy policy under which the information was collected.