Generally CVT is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This CVT Privacy Policy applies to CVT's Web site and governs data collection and usage at CVT site and services. Please read the complete CVT Privacy Policy below.

The purpose of the CVT Web site's privacy policy is to inform you, as a welcome visitor to our Web site, about the kinds of information we may gather about you when you visit our Web site, how we may use that information, whether we disclose it to anyone, and your ability to correct, the information. Finally, please note that this policy applies only to the CVT Web site and Web site that carry the CVT Web site's brand, and not to other companies' or organizations' Web sites to which we link. We have clearly marked the CVT Web site and these branded Web sites with our logo so you know where this policy applies.

Information About All CVT Web site Visitors
CVT keeps track of the Web site and pages our customers visit within the Web site, in order to determine what services are the most popular. This data is used to deliver customized content and advertising within CVT to customers whose behavior indicates that they are interested in a particular subject area. Our service automatically gathers certain usage information like the numbers and frequency of visitors to CVT Web site and its areas. This is similar to the way television ratings tell the networks how many people tuned in to a program. We only use such data in the aggregate. This collective data
helps us determine how much our customers use parts of the site, so we can improve our site to assure that it is as appealing as we can make it for as many of you as possible.

For example, the CVT Web site may use a technology nicknamed "cookies" that tells us how and when pages in our site are visited, and by how many people. CVT cookies do not collect personally identifiable information and we do not combine information collected through cookies with other personally identifiable information to tell us who you are or even what your screen name or e-mail address is. We also may provide statistical "ratings" information, never information about you personally, to our CVT Web site partners about how our members, collectively, use CVT Web site. We do this so they too can understand how much people use their areas and our site in order for them to
provide you with the best possible Web experience as well.

Use of Cookies
CVT Web site may use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize CVT's pages, or register with CVT site or services, a cookie helps CVT to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same CVT Web site, the information you previously provided can be retrieved, so you can easily use the CVT features that you
customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the CVT services or Web site you visit.

Use of Third Party Advertising
The majority of the advertisements you see on the CVT Web site are displayed by CVT. In addition, CVT also allows other companies, called third-party advertisers, to display advertisements while you are viewing content on CVT Web site. These advertisement are selected based on what we believe will be of most interest to you.

Information About You
Sometimes, we may specifically ask for information about you when you sign up to use a service or when you order a product. CVT does not sell, rent or lease its customer lists to third parties. We do, however, need certain information -- such as name, age, Internet address or screen name, billing address, type of computer, credit card number -- in order to provide that service or product to you. We may also use that information to let you know of additional products and services about which you might be interested. You can choose not to receive such information if you don't want to by letting us know on the registration screen when you sign up for the product or service. We may ask you for
information about your interests so that both you and we can take advantage of the interactivity of the online medium, but you may always choose to respond or not. Additionally, we may provide you with an opportunity to be listed in a directory on one of our CVT- branded services -- these listings are also optional and you can make changes to or eliminate this information when you want to.

CVT does not associate sensitive data, such as your race, religion, or political affiliations, with personally identifiable information. CVT takes precautions to segregate any sensitive data you may provide on CVT site and services that reference your race, religion, sexual orientation, ethnicity or political affiliations.

Security of your Personal Information
CVT secures your personal information from unauthorized access, use or disclosure. CVT secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. Personal information (such as a credit card number) is transmitted to other Web site through the use of Secure Socket Layer (SSL) encrypted protection.

Third Party Disclosure
We do not use or disclose information about your individual visits to the CVT Web site or information that you may give us, such as your name, address, email address or elephone number, to any outside companies. However, we may share with our Web site partners aggregated statistical "ratings" information about the use of the CVT Web site. CVT may share data with trusted partners to help us perform statistical analysis. All such third parties are prohibited from using your personal information except to provide these services to CVT, and they are required to maintain the confidentiality of your information.

CVT will never disclose your personal information without notice unless it is required to do so by law or in the good faith belief that such action is necessary to:

1. conform to the law or comply with legal process served on CVT or the site;
2. protect and defend the rights or property of CVT, a CVT Web site; and,
3. act under exigent circumstances to protect the personal safety of users of CVT, its Web site, or the public.

Children On The Web
CVT takes special care to protect the safety and privacy of children using our services. We do not specifically collect information about children and believe that children should get their parents' consent before giving out any personal information. We encourage you to participate in your child's experience in cyberspace and to review our important safety tips before your child explores the Internet. We also encourage you and your child to visit the CVT Web site that provides access to age-appropriate content available on the Web. CVT also recommends that parents use Web filtering technology to supervise their kids' access to the Web.

CVT Web site Privacy Policy Changes
CVT will occasionally update this Privacy Policy to reflect company and customer feedback. When CVT posts changes to this Statement, you will see the word "updated" next to the Privacy Statement link on the front page of CVT. If there are material changes to this Statement or in how CVT will use your personally identifiable information, CVT will prominently post such changes prior to implementing the change. CVT encourages you to periodically review this Statement to be informed of how CVT is protecting your information.

Enforcement
By upholding our commitment to protecting the privacy of your personal information, CVT has agreed to disclose its information practices. CVT welcomes your comments regarding this Privacy Policy. If you believe that CVT has not adhered to this Statement, please contact CVT by telephone or postal mail.

CVT Prepaid Solutions, Inc.
40 Cutter Mill Rd.
Suite 500
Great Neck, NY 11021
(516) 773-0200

RULES OF USER CONDUCT
By posting information in or otherwise using any communications service, chat room, virtual television channel, message board, newsgroup, software library, or other interactive service that may be available to you on or through our Web site, you agree that you will not upload, post, or otherwise distribute or facilitate distribution of any content -- including text, communications, software, images, sounds, data, or other information -- that:

• is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortuous, contains explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates CVT Corporation's rules or policies;
• victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability;
• infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
• constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
• contains software viruses or any other computer code, files, or programs that are designed or intended to disrupt, damage, or limit the functioning of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any third party; or impersonates any person or entity, including any employee or representative of CVT Corporation.

You also agree that you will not harvest or collect information about the users or members of the CVT Web Site or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk electronic e-mail or communications.

You further agree that you will not knowingly solicit or collect personal information from a child 12 years old or younger without appropriate prior verifiable parental consent.

CVT generally does not pre-screen, monitor, or edit the content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through the CVT Web Site. However, CVT and its agents have the right at their sole discretion to remove any content that, in CVT’s judgment, does not comply with the Rules of User Conduct or is otherwise harmful, objectionable, or inaccurate. CVT is not responsible for any failure or delay in removing such content.

REQUESTING PERMISSION TO USE COPYRIGHTED MATERIALS
The CVT Web Site contain various types of materials (including product information, files, articles, movies, cartoons, and other digital entertainment), photos, icons, and other copyrighted materials owned by us or our Content Providers. You may not use this information in any manner or for any purpose other than as expressly authorized in the CVT Web Site. The following information applies only to materials we own. You must contact the copyright owner directly for permission to use third party materials displayed
on the CVT Web Site.

Do I Need Permission?
You are authorized to view, copy, download, and print for personal use only any copyrighted materials we own that are available on this web site, subject to the following conditions:

• The documents may be used solely for personal, noncommercial, and informational
  purposes. They may not be posted or distributed.
• The documents may not be modified.
• All copyright and other proprietary notices must be retained in the document.
• This permission does not extend to materials owned by other content providers
  that appear on this web site.
• You may not reproduce, copy, or redistribute the design or layout of the CVT Web
  Site, individual elements of the Web Site design, or our logos without our express written permission.

Permission for Commercial Use
Reproduction, copying, or redistribution for commercial purposes of any materials or design elements on the CVT Web Site is strictly prohibited without our express written permission. Permission is granted only when certain limited criteria are met.

Please e-mail or send written requests to CVT address listed above.

Include all of the following information:

• The content you wish to use and which page it is located.
• Where and how it will be used (for example, in an Internet use manual, in a
  newsletter, or in a movie).
• Where and how copies will be distributed and to what audience.
• How many copies will be produced and distributed.
• When you intend to publish, and your deadline for a response (no shorter than 1
  week please).
• Other materials that will be associated with our content.
• Your name, title, company, address, email address, and phone number.
• In addition, please provide an example or mockup of the intended use, either by
  sending a file attached to your request. We will need all of the above in order to evaluate your request. Please expect 7 to 10 days for processing all requests.

We reserve the right to refuse permission to copy, distribute, broadcast, or publish any of our copyrighted material.

Thank you for your cooperation.

Procedure for Making Claims of Copyright Infringement
CVT Prepaid Solutions, Inc., its subsidiaries, and affiliate companies respect the intellectual property of others, and we ask our Content Providers and those posting materials to the CVT Web Site to do the same. If you believe that your copyrighted work has been copied and is accessible on the CVT Web Site in a way that constitutes copyright infringement, please let us know right away by providing our copyright agent with the following information:

• the electronic or physical signature of the owner of the copyright or the person authorized to act on the owner's behalf.
• a description of the copyrighted work that you claim has been infringed and a
  description of the infringing activity.
• Identification of the location where the original or an authorized copy of the copyrighted work exists, for example the URL of the Web Site where it is posted
  or the name of the book in which it has been published.
• Identification of the URL or other specific location on the CVT Web Site where the material that you claim is infringing is located; you must include enough information to allow us to locate the material.
• your name, address, telephone number, and email address.
• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.
• a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

Our agent for notice of claims of copyright infringement on the CVT Web Site
can be reached as follows:

By Mail:

40 Cutter Mill Rd.
Suite 500
Great Neck, NY 11021

By phone:
(516) 773-0200

Copyright Notice
This contact information is only for reporting copyright infringement. Contact information for other matters is provided elsewhere on the CVT Web Site.