Respecting Your Privacy

101 Financial Group LLC (“101”) values and respects your right to privacy. The information you provide to us is collected with the goal of servicing you better.

Our Commitment

101 is committed to providing you with top-quality, comprehensive services via a secure online experience that protects your privacy.

Sharing Your Information

101 will not sell or rent any customer information. At no time does 101 share your password with any third party.

Children’s Privacy

101 does not provide services to minors (children under the age of 18,) nor do we intentionally collect data from minors. Should a minor send personal information to us, we will use that information only to respond directly to that minor to inform him or her that we may not provide service to them. Data known to be from minors will be immediately deleted.

What information is collected?

If you request information through our website’s contact us form, we ask for your name, address, email address and phone number. This allows us to send you your requested information.

If you complete our i101 financial analysis, we ask for your contact and other personal information, and information on your income, mortgage(s), expenses and debt. We do not ask you for security-sensitive information such as account numbers, login and passwords, or your social security number. Do not give out this information via our forms or email.

If you sign up to receive e-newsletters, we ask for your email address.

How is the information used?

Information we collect is used to contact you and send you requested information, create your financial analysis, or contact you in the event there are questions about any information you submit to us.

We may occasionally notify you of new developments at 101. If you do not want to receive any unsolicited announcements from us, we ask that you indicate this preference where personal information is requested. Or please email us at customerservice@101financial.com.

Notification of Privacy Policy Changes

Any changes by 101 to its Privacy and Data Protection Policy that may impact the practices described on this web site will be posted on this site. In no event will any such changes to this policy apply with respect to data previously collected through this site.

Registered users will be notified of changes to the privacy statement if it affects the way their personal information is being handled.

What about cookies?

101 uses “cookies,” electronic coding that enables us to track a customer’s preferences to enhance their use of our site. You may choose to set your browser to reject cookies. Please be aware that in doing so your ability to perform certain functions on our site will be affected.

Tracking Beacons

Beacons are small electronic image files imbedded into web pages that look for specific non-personally identifiable information on a person’s computer. This information includes browser information, cookie number, page views and any other basic data that we can use to improve messaging and usability on 101financial.com. 101 will periodically use beacons (tracking software) on our web pages and newsletters to gather metrics in aggregate form. Beacons used by 101 collects data that is anonymous and is not linked to personally identifiable information or attached to any databases.

101 does not allow for third-party ads on our Web site but we do occasionally contract with advertising companies that place ads on behalf of 101. The advertising company may use beacons for campaign success measurements.

Individuals can prevent the use of beacons by disabling them in the security settings of the Internet browsers. However, in doing so, your ability to perform certain functions on our site will be affected.

What is your anti-spam policy?

101’s referral program is meant to encourage people to introduce the benefits of 101 to their friends and family. It is not intended to encourage spam. You may post your referral link online in any place deemed appropriate by the owners of the website where you are posting. However, anyone who is found to have spammed other Internet users will lose their 101 account privileges.

Site Survey Participation

Customers may be invited to participate in web site surveys. You may opt-out of participation at the time the survey is offered. The survey may collect generalized statistics and personal. We will safeguard all data collected and never share data with third party vendors.

Personally Identifiable Information Collect

The 101financial.com Web Site is comprised of both public and private sections. Public sections are accessible by anyone and do not require enrollment or login. Private sections are exclusive to 101 clients and requires enrollment. During enrollment, you will be explicitly asked for any information that personally identifies you. Personal information collected during enrollment (such as your name, address, zip code, telephone number, and e-mail address) will be primarily used to validate that you are a client of 101 and have been given access to the private section of the web site by a 101 instructor, but may be used by 101 to help us offer content and services that are most likely to appeal to you. You will have the means to verify and update your personal information, allowing you to ensure that such information is correct and current.

The information gathered automatically by our system – such as your computer’s IP address, the kind of browser you are using, and a record of your navigation through our site – may be used by 101 so we can understand how to make our sites convenient and useful to our audience. 101 will not disclose personally identifiable information about you to third parties.

Accessing & Changing Your Contact Information

To view or edit the personal information you submitted at one of our sites during enrollment, log in and access the My Profile page. If you would like us to delete your personal information, please send a request to customerservice@101financial.com.

How to Opt-Out of Future Communications

Regular users may opt-out of receiving further communications through e-mail by contacting customerservice@101financial.com. Users signed up for the newsletter may opt-out through the newsletter opt-out field at the bottom of the newsletter or by e-mailing customerservice@101financial.com.

Site Tools

101 allows you to use helpful tools, such as financial calculators. These tools are for your benefit, and the information you submit when you use them is not stored, disclosed to anyone or used for any purpose other than to provide you with the service you are seeking.

User-Initiated Communication

The 101 Web Site enables you to send e-mail to your 101 instructor. Whenever you choose to initiate these kinds of communications with us, or anyone else, you may expect to be contacted in return.

How is your information protected?

101 does not lease, sell, trade or give any of our customer information to other companies. We may choose to do so in the future with reputable third parties. If you do not want us to provide your customer information to a third party, we ask that you indicate this preference where personal information is requested. Or please email us at customerservice@101financial.com.

We recommend that any communications you send us via this site, including comments, suggestions and questions, do not contain information that is private or confidential. While we take measures to protect your privacy, 101 and companies linked to our site do not guarantee and are under no obligation to protect your information from disclosure.

If we should change our privacy policies, those changes will be posted on this page and by using the site, you agree in advance to accept such changes.

Contacting Us

In the event of any question relating to this site, please e-mail us at customerservice@101financial.com or mail us at:

101 Financial Group, LLC.

P.O. Box 101

Kahuku, HI 96731

General questions regarding 101’s Privacy and Data Protection Policy may be e-mailed to customerservice@101financial.com.

This Policy is effective as of January 1, 2010.