Privacy Policy

Privacy Policy

Njoy Products, LLC dba Practical Business Solutions (“PBS”)

Copyright PBS 2012. All rights reserved.

PBS takes the privacy and protection of data issues very seriously. We understand the importance of confidentiality and trust when handling personal and private financial information. We have developed this Privacy Policy to explain how we handle personally identifiable information collected from clients who register for services and submit information to PBS. As PBS service offerings change, we may revise this policy, so please check back frequently.

Use and Collection of Information
We acknowledge your expectation of and respect your right to privacy. Furthermore, we maintain strict standards for security and confidentiality designed to prevent misuse of all information our clients share with us. We collect, retain and use information about clients only where we reasonably believe it would be useful and allowed by law to administer specific business relationships and to provide products, services and other opportunities to our clients. We use information we collect to identify you, to communicate with you, to help us respond to your questions, and to understand which of our products and services will best meet your needs.

Sharing and Disclosure of Information
Securing personally identifiable information about clients and consumers is an essential part of our business. We will not reveal specific information about client accounts or other personally identifiable data to unrelated third parties for their independent use. We share and disclose such information only as described below. PBS will send personally identifiable information about you to other companies or people when: 1) we have your consent to share the information; 2) we need to share your information to provide the product or service you have requested; 3) we need to send the information to companies who work on behalf of PBS to provide a product or service to you (unless we tell you differently, these companies do not have any right to use the personally identifiable information we provide them beyond what is necessary to assist us in providing a product or service to you); and 4) we also may release personally identifiable information when we believe release is appropriate to comply with applicable law; enforce or apply other agreements; or protect the rights, property, or safety of PBS, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and risk reduction.

Accuracy of Information
In order to insure the most accurate and complete records, we consistently maintain client information. If you have reason to believe that your account information or records are incorrect, please contact a Representative at 1-877-456-7722.

Limiting Access to Information
The security of information is critical to our business. We work to protect the security of your information during the transmission of data. We store information gathered on secure servers located in a locked data center. We use the latest security technology to prevent access to our servers by unauthorized persons. Employee access to client information is limited only to those employees who need the information in order to service our clients. Client information is dealt with in the most professional manner possible, and we believe in taking appropriate disciplinary measures where necessary to enforce employee privacy responsibilities.

Disclosure of Privacy Policy to Clients
As part of our continuing commitment to provide quality products and superior service to you, we will make the privacy policy available to you. We reserve the right to change this policy at any time. We may receive personal information when you use our website to apply online for products, access or provide account information and send us e-mail. We also track the hyperlink you use to find our website. This information helps us evaluate the effectiveness of our website and improve its content. We may use the information we receive to customize your visit to our website and to design products and services that meet your needs. We may also use the information to communicate with you by e-mail. We have taken a number of steps to keep your personal information secure when accessing our website.

Links to Other Web Sites

As you navigate our site, you may click to web sites of our affiliated companies or business partners. Those web sites may have their own online privacy statements or policies. This Online Privacy Statement will not apply when you move to one of these other sites because affiliate privacy practices and policies are tailored to the products and services offered by the individual affiliate. If you visit the pages and sites of our affiliated business units please be sure to review the privacy policies applicable to those sites.

We may create links to third-party web sites. PBS is not responsible for the content or privacy practices employed by web sites that are linked to our web site. This privacy policy only applies to the information we collect on the rupractical.com  website.

This privacy policy does not apply to information we collect through other methods or sources, including sites owned or operated by our affiliates, vendors or partners.