Privacy Policy

OUR COMMITMENT TO PRIVACY

Thank you for visiting the The Path of Life website.

Protecting consumer privacy is very important to us. Our Online
Privacy Statement is available to inform you about our collection and
use of personal information so that you can make informed choices
about how your own information is collected and used. This Online
Privacy Statement reflects the The Path of Life policies covering
personal information collected at this website on or after the
effective date shown above.

We believe that information used responsibly benefits consumers and
the economy, whether it is information we house on behalf of consumers
conducting transactions or information we collect on behalf of our
business clients. For example, we use consumer information every day
to ensure fast and accurate processing orders.

In addition, The Path of Life strives to better serve our customers by
offering goods and services that we believe fit their needs and
interests. When identifying an opportunity, The Path of Life may use
consumer information it has collected in an effort to identify
consumers who may be interested in that opportunity. Consumers rely on
The Path of Life for safe and reliable service. The relationships we have
developed through the years have been established based on mutual
trust. Each day we and employees and agents strive to reinforce our
commitment to our clients and consumers. Central to that commitment is
ensuring that we abide by a set of privacy policies, which are
outlined below. These policies guide us in the collection and use of
information as well as employee responsibilities in protecting your
privacy. We use personal information about consumers only in a manner
consistent with these policies.

COLLECTION OF INFORMATION
The Path of Life collects personal information in order to offer or
provide goods and services to consumers and our customers. We may
obtain this information from a variety of sources:

· Directly from customer applications, questionnaires and other
materials submitted to us by customers;
· From transactions in which The Path of Life and consumers are involved;
· From clickthru activity on our web sites; and
· From a variety of third-party sources, such as our business
customers, government repositories, consumer reporting agencies and
other financial institutions.

DISCLOSURE OF INFORMATION
The Path of Life does not disclose customer information to third parties
without first giving customers an opportunity to opt-out of certain
kinds of disclosures. There are some disclosures to third parties that
are not subject to the opt-out, such as disclosures necessary to
effect, administer or enforce a transaction requested by you, to
companies that perform services for us or to prevent fraud.

Finally, The Path of Life may disclose information about former customers
to third parties and companies with which The Path of Life is affiliated,
as well as unaffiliated third parties. Those disclosures may consist
of the following:
· Identification information, such as name and address data;
· Transaction information, such as account activity, debit activity or
credit activity; and
· Other information relating to financial matters.

RECIPIENTS OF INFORMATION
The Path of Life may disclose consumer information to companies
affiliated with The Path of Life and to companies or other parties not
affiliated with The Path of Life
(subject to consumers' opt-out rights)

These recipients include:
· Financial institutions, such as banks, credit card companies and
brokerage houses;
· Companies that process transactions or provide other services for us;
· Government agencies; and
· In addition, under United Kingdom law The Path of Life is permitted to
disclose customer information to certain recipients, like credit
reporting.

WE ARE COMMITTED TO PROTECTING THE CONFIDENTIALITY OF PERSONAL
CONSUMER INFORMATION.
The Path of Life limits access to personal information to those employees
of The Path of Life and its affiliates who need it to fulfil their
business responsibilities.
Employees must adhere to The Path of Life privacy policies. Employees
violating these policies may be subject to disciplinary action, up to
and including dismissal.
Vendors and other outside contractors we engage are subject to our
contractual requirements to ensure that sensitive personal information
is safeguarded.

WE USE APPROPRIATE SECURITY SAFEGUARDS.
At The Path of Life, security is a priority. We employ appropriate
measures to protect consumer information against unauthorized access,
disclosure, alteration or destruction. These may include, among
others, encryption, physical access security and other appropriate
technologies. The Path of Life continually reviews and enhances its
security systems, as necessary.

WE MAINTAIN PROCEDURES TO ASSURE THE QUALITY OF INFORMATION WE COLLECT
AND WHERE APPLICABLE, WE WILL INFORM CONSUMERS ABOUT HOW THEY CAN
ACCESS THEIR PERSONAL INFORMATION AND MAKE CORRECTIONS, IF NECESSARY.
The Path of Life employs appropriate measures to assure the quality of
information we collect directly from consumers. Where The Path of Life
collects information directly from consumers or sources other than our
business customers, we permit them, if possible, to dispute or correct
any erroneous or out-of-date personally identifiable information. Of
course, this correction would not be possible if the information is
proprietary to one of our business customers, reflects historical
transaction information or if correction would violate the privacy or
legal rights of a third party. Where applicable, we abide by laws
related to such information. You can correct factual errors in your
personally identifiable information by sending us a written request
that credibly shows error. We reserve the right to independently
verify claims made. To protect your privacy and security, we also will
take reasonable steps to verify your identity before making
corrections. We reserve the right to assess a service charge for
providing you any information in connection with your request.

THE PATH OF LIFE WEBSITE IS NOT DIRECTED AT CHILDREN UNDER THE AGE OF 13.
Our website is not directed at children under the age of 13 and The Path of Life does not collect or maintain information at our website from
those we actually know are under the age of 13.

WEBSITE MAY BE LINKED TO OTHER WEBSITES
The Path of Life may create links to third party websites. The Path of Life
is not responsible for the content or privacy practices employed by
websites that are linked from our website.

OPT OUT RIGHT
The Path of Life may disclose consumer information to third parties as
described earlier in this notice. Many of these disclosures are
beneficial to consumers because they permit goods and services of
interest to consumers to be offered to consumers at attractive rates.
We strive to give consumers choices about how their data will be used.
You have the right to opt-out of (direct us not to make) these
disclosures when the consumer information is about you. Of course,
there are some disclosures to third parties that are not subject to
the opt-out, such as disclosures necessary to effect, administer or
enforce a transaction requested by you, to companies that perform
services for us or to prevent fraud. When you use this service, you
will be asked whether you wish to opt out. If you wish to opt out,
simply check the appropriate box and submit your choice.

If you have any questions or indeed comments about our Online Privacy
Statement, or for some reason believe we have not adhered to our
statement, please contact:

E-mail the The Path of Life Data Protection Officer: geoff@thepathoflife.co.uk

We may alter this statement as needed for certain products and
services and to abide by local laws or regulations around the world.
The Path of Life reserves the right to amend or modify this statement
from time to time. We urge you to review this statement whenever you
visit in order to obtain the most current statement. You may change
your choices at any time

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