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This privacy policy ("Policy") explains how personal information is collected, used, and disclosed by Arbour Group, LLC ("Arbour Group", "we," "our" or "us") with respect to your use of the Web site located at (the "Site") so you can make an informed decision about using the Site.

We reserve the right to change the provisions of this Policy at any time. We will alert you that changes have been made by indicating on this Policy the date it was last updated.

Personal Information

As used in this Policy, the term "personal information" means information that specifically identifies an individual (such as a name, address, telephone number, mobile number or e-mail address) or information about that individual when directly linked to personally identifiable information. Personal information does not include "aggregate" information, which is data we collect about the use of the Site or about a group or category of products, services or users, from which individual identities or other personal information has been removed.

Information Collection

We may collect certain information you voluntarily provide to us, such as when you create an account or profile, send us an e-mail or post information or other content to the Site.

When you use the Site, some information is also automatically collected by us, such as your Internet Protocol (IP) address, your operating system, the browser type, the address of a referring web site, and your activity on the Site. We treat this information as personal information if we combine it with or link it to any of the identifying information mentioned above. Otherwise, it is used in the aggregate only.

Information Use

We use personal information we collect from you through the Site and our services as described in this policy or disclosed to you on our Site. For example, we may use personal information we collect:

  • To provide our services, products or information you request, and to process and complete and any related transactions;
  • to operate and improve our Site and services and facilitate your use of the Site;
  • to inform you about other information, events, promotions, products or services we think will be of interest to you;
  • to respond to your e-mails, submissions, requests, complaints, comments and questions and provide customer service;
  • for any other purpose for which the information was collected.

Information Sharing

We will not share the personal information we collect from you through the Site with third parties except as described in this Policy. We may share personal information with vendors, consultants and other service providers ("Service Providers") who are engaged by or working with us in connection with the operation of the Site or the products or services we provide and who need access to such information to carry out their work for us. In some cases, the Service Provider may be directly collecting the information from you on our behalf. We may also share personal information with other third parties when you give us your consent to do so. We are not responsible for the actions of Service Providers or other third parties, nor are we responsible for any additional information you provide directly to these Service Providers or other third parties, and we encourage you to become familiar with their practices before disclosing information directly to them. Nothing herein restricts our ability to share aggregate information or information that does not identify you, which we may share with third parties without your consent. For information about your choices regarding the sharing of your information, see the section below entitled "Your Choices."

We may also disclose personal information in the good faith belief that we are lawfully authorized or required to do so, or that doing so is reasonably necessary or appropriate to comply with the law or with legal process or authorities, respond to any claims, or to protect the rights, property or safety of Arbour Group, our users, our employees or the public, including without limitation to protect Arbour Group or our users from fraudulent, abusive, inappropriate or unlawful use of our Site. Information about our users, including personal information, may also be disclosed or transferred as part of, or during negotiations of, any merger, sale of company assets, financing or acquisition or in any other situation where personal information may be transferred as one of the business assets of Arbour Group.

We are not responsible for the actions of any third parties with whom you share personal information.

Online Information Security

We take reasonable measures to protect the security of your personal information while it is under our control to prevent loss, misuse and unauthorized access or disclosure. Please be aware, however, that despite our efforts, no security measures are perfect or impenetrable and no method of data transmission can be guaranteed against any interception or other type of misuse.

Your Choices

You may "opt out" of receiving marketing or promotional e-mails from us by following the instructions in those e-mails you receive. This will not affect our ability to send you service and account related e-mails or to use your personal information as otherwise described in this Policy.

Contacting Arbour Group About Your Personal Information

If you have any questions or comments about this Policy or the practices relating to this Site, or you wish to verify, correct or delete any personal information we have collected, please contact us at and we will endeavor to respond to your inquiry or to correct, update or remove the personal information you have provided us as you indicate. You may also contact us by mail at the following address: 4320 Winfield Road Suite, Suite 200, Warrenville, IL 60555. However, please note that is some cases, we may believe it is necessary or appropriate to retain certain personal information we have collected, and the deletion of such personal information will be in our sole discretion unless otherwise required by law.

Updating the Policy

We reserve the right to change the provisions of this Policy at any time. We will alert you that changes have been made by indicating on the Policy the date it was last updated. We encourage you to review this Policy from time to time to make sure that you understand how any personal information you provide will be used.