Legal Terms of Use
The terms and conditions set forth below (the "terms") govern you while on this site on the World Wide Web (the "site") and are legally binding on you. If you do not agree with any of the listed conditions, please do not access or otherwise use this site or any information contained on this site. Your use of the site shall be deemed to be your agreement to each of the terms set forth below.

Website Use Restrictions All information, documents, products and services, logos, graphics, and images ("Materials") provided on this site are copyrighted or trademarked and are the property of Madison Direct Marketing, Ltd. Any unauthorized use of any material contained on the site may violate copyright laws, trademark laws, the laws of privacy and communications statutes.

Madison Direct Marketing, Ltd grants you the limited right to display the Materials only on your personal computer for your personal use. You agree not to use the materials for any other purpose without the prior written consent of Madison Direct Marketing, Ltd. Without limitation, you agree not to reproduce, re-distribute, sell, publish, broadcast or circulate any information contained in the materials to anyone, including others in the same company or organization. You may not post content from this site to news groups, mail lists, or bulletin boards. You acknowledge and agree that, except as set forth herein, you have no right to modify, edit, alter or enhance any of the materials in any manner. This limited license terminates automatically, without notice to you, if you breach any of these terms.

You agree not to "frame" or "mirror" any materials or third-party content contained on this site on any other server or internet based device without the advanced written permission of Madison Direct Marketing, Ltd or its licensors, respectively.

This site may be linked to other sites on the World Wide Web or Internet which are not under the control of or maintained by Madison Direct Marketing, Ltd. Such links do not constitute an endorsement by Madison Direct Marketing, Ltd. You acknowledge that Madison Direct Marketing, Ltd is providing these links to you only as a convenience; you further agree that Madison Direct Marketing, Ltd is not responsible for the content of such sites.

You acknowledge that this site may include certain inaccuracies or typographical errors which may affect the quality of materials and third-party content. You acknowledge that the materials or any third-party content have not been independently verified or authenticated in whole or in part by Madison Direct Marketing, Ltd, and agree that Madison Direct Marketing, Ltd does not warrant the accuracy or timeliness of materials or the third-party content, and further agree that Madison Direct Marketing, Ltd has no liability for any omissions in the materials and third-party content, whether provided by Madison Direct Marketing, Ltd or any third-party You must be at least eighteen (18) years of age to be a valid contestant in the Madison Direct Marketing, Ltd contest Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Madison Direct Marketing, Ltd SHALL NOT BE LIABLE TO YOU OR THIRD-PA RTY CLAIMING THROUGH YOU FOR ANY DAMAGE SUFFERED AS A RESULT OF YOUR DISPLAY, COPYING OR DOWNLOADING INFORMATION OR MATERIAL CONTAINED ON THIS SITE. IN NO EVENT SHALL MADISON DIRECT MARKETING, LTD BE LIABLE TO YOU OR ANY THIRD-PA RTY FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, WHETHER FOR BREACH OR IN TO RT EVEN IF MADISON DIRECT MARKETING, LTD HAS PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH POSSIBLE DAMAGE. Bound By Law MADISON DIRECT MARKETING, LTD controls and operates this site from its headquarters in the United States of America and makes no representations that the materials are appropriate or will be available for use in international locations. If you use this site from outside the United States of America, you are entirely responsible for compliance with applicable local laws, including but not limited to the export and import laws of other countries in relation to the materials and third-party content.

Violation of Terms of This Site
If you violate the terms of this site, MADISON DIRECT MARKETING, LTD reserves the right to terminate service to you without further notice or explanation. MADISON DIRECT MARKETING, LTD's preferred course of action is to advise you of your inappropriate behavior and advise you of any corrective action. However, flagrant violations of these Terms as determined by MADISON DIRECT MARKETING, LTD at its sole discretion will result in immediate termination of service.

Any action related to these Terms will be governed by New York Law and controlling U.S. Law without regard to the choice or conflicts of law provisions of any jurisdiction. You agree to the jurisdiction of the courts located in Nassau County, New York for the resolution of all disputes arising from or related to these Terms and/or your use of the site.

The failure of MADISON DIRECT MARKETING, LTD to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by MADISON DIRECT MARKETING, LTD in writing. The Terms comprises the entire agreement between you and Madison Direct Marketing, Ltd and supersede all prior or contemporaneous negotiations, discussions or agreements, if any, between the parties regarding the subject matter contained herein. Your use of the Site, however, is subject to the additional disclaimers and caveats that may appear throughout the site.

Privacy Policy
Familyadvantage.com understands that privacy concerns are of utmost importance when it comes to the use of your personal information. Because we would like to assure you that we are committed to protecting your personal privacy, Familyadvantage.com has created this privacy statement. We collect the information necessary to respond to your requests for our financial products and services, and the following discloses our information gathering and dissemination practices for this website: Our site's qualification form may require users to give us information such as your name, address, phone number, e-mail address, social security number, employment, income, credit history and other financial information. We may use your contact information that you provided from the qualification form to send you additional information about our company and other promotional materials and programs from some of our partners. The customer's contact information is also used by us to contact you when necessary. You may opt-out of receiving future mailings; see the opt-out section below. This site contains links to other sites. Familyadvantage is not responsible for the privacy practices or the content of such websites.

The Information We Collect
This Privacy Policy applies to consumers that have signed up for membership on FamilyAdvantage.com website. We may use the personal information that you supply to us and we may work with other third party businesses to bring selected retail opportunities to our members via direct mail, email and telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing.

FamilyAdvantage.com collects information on the ages of children. No area of our site is directed at children less than 13 years of age, nor do we collect personally identifiable information and we do not have agreements with outside organizations to collect personal information at our site. The information is used to quality offers for partners that have products and services that are used by families with children within certain age ranges.

Collection and Use of Private Information
We collect the following types of Private Information about you from the following sources:

• Information we receive from you on applications or other forms, such as your name, address, email, phone number and family demographics.

• Information about your transactions with us, our affiliates, or others, such as your entry to contests and registration for information and services

In order to provide you with additional product and service offerings, we may disclose all Private Information about you with trustworthy and reputable third parties such as:

• Product related businesses that we deem appropriate to cross-promote and create marketing partnerships with

• Non product related, but value oriented values and incentives we deem valuable to our membership.

• Others

Cookies
Cookies are pieces of information stored by your web browser on behalf of a web site and returned to the web site on request. This site may use cookies for two purposes: to carry data about your current session at the site from one web page to the next, and to identify you to the site between visits. If you prefer not to receive cookies, you may turn them off in your browser, or may set your browser to ask you before accepting a new cookie. Some pages may not function properly if the cookies are turned off. Unless otherwise notified on this site, we will not store data, other than for these two purposes, in cookies. Cookies remain on your computer, and accordingly we neither store cookies on our computers nor forward them to any external parties. Unless otherwise notified on this site, we do not use cookies to track your movement among different web sites and do not exchange cookies with other entities.

Tracking Pixels
Madison Direct Marketing, Ltd uses clear GIF Tracking pixels to track user movement through the site for aggregated site traffic metrics. In addition, some Madison Direct Marketing, Ltd affiliates set tracking pixels on our web pages to track completed auto loan requests referred by their websites.

Information We Share With Others
If you provide us with your name and mailing address, we may decide to make it available to other companies that wish to tell you about their products. (See below if you prefer that we not share this information). We may segment the information into groups of customers who have bought similar amounts and types of products, but we will never provide details that are specific to a single customer or household. Of course, if there is any information that we are legally required to provide to government agencies, credit reporting agencies or to prevent fraud, we will comply with our legal obligations.

Viewing pages at Madison Direct Marketing, Ltd
If you browse through our Web site without entering any personal data, we will gather and store certain information about your visit. This information does not identify you personally and cannot be linked back to you unless you decide at some point to identify yourself. If you are only browsing, we collect the following information: IP address, the type of browser and operating system used to access our site, the date and time you access our site, the pages you visit (click-through), and if you linked to our Web site from another Web site, the address of that Web site.

Security
Madison Direct Marketing, Ltd understands the importance of security for our consumers. When applicable, we use the latest SSL (Secure Socket Layer) encryption technology to protect sensitive personal or financial information during transmission. This allows your personal information to be submitted in a secure environment while reaching the intended parties. An SSL-capable web browser is needed to support this encryption technology. Netscape Navigator 4.6 or higher or Microsoft's Internet Explorer 4.01 or higher will support SSL technology. To verify that you are on a secure web page in Netscape Navigator, right-click while your cursor is on the form (not the border) and select "view Frame information" in Netscape Navigator. To view security certificates in Internet Explorer, click Internet Options on the View menu in the browser and then the Content tab. In the Certificates area, click the Personal, Sites, and Publishers buttons to view the current certificates.

Special Notice to Vermont Residents
Vermont has adopted new consumer privacy regulations that may require financial institutions to obtain your consent prior to sharing nonpublic personal information about you with non-affiliated companies. If you are a resident of Vermont, we will not share nonpublic personal information we collect about you, your account or your transactions without your consent except as otherwise permitted by law.

How to Request that Your Information Not Be Shared
many customers appreciate receiving information and offers about products and services that may be of interest and value to them. However, at Madison Direct Marketing, Ltd, we recognize that it's your choice. If you prefer that we not disclose any nonpublic personal information about you to any nonaffiliated third parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law). It generally takes up to thirty (30) days before your request becomes effective. If you do not want us to share any information that you have provided to us or that we have gathered, please let us know by e-mailing us through the link below or by writing us at Madison Direct Marketing, Ltd, Attention Customer Service, 60 Long Ridge Rd., Stamford CT 06902. Please include your name, address, and other identification information, such as your log in information. Your request will apply to any of the information we have obtained in any transaction, such as your application. An opt-out request by any party on a joint account will apply to all parties on the joint account. If you have any other questions or concerns regarding your privacy at Madison Direct Marketing, Ltd, or wish to opt out of disclosure of your information, you may inquire about or remove yourself from membership to Madison Direct Marketing, Ltd at any time by contacting our privacy department by sending an email to info@madisondm.com .

Other Companies' Policies May Differ
Except as otherwise expressly included in this Privacy Policy; this document only addresses the use and disclosure of information we collect from you. If you disclose your information to dealers or other parties that you are placed in contact with through our site or other sites throughout the Internet, different privacy policies may apply to their use or disclosure of the information you disclose to them. Since Madison Direct Marketing, Ltd does not control the privacy policies of third parties, you are subject to the privacy policies of that third party and we encourage you to read their privacy policies or ask questions before you disclose your personal information to others.

Changes
We reserve the right to change our Privacy Policy. A revised Privacy Policy will only apply to data collected subsequent to its effective date. Please visit this page periodically for revisions.

Your Acceptance of These Terms
By using this site and providing us with your information, you agree to Madison Direct Marketing, Ltd Privacy Policy. If you do not agree to this policy, please do not use our site. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. Please check this page frequently for changes. Your continued use of the Madison Direct Marketing, Ltd site means you accept those changes. You can e-mail us with any further questions you may have at info@madisondm.com

This Privacy Policy Last Modified May 12, 2008