The Legal Balance, Inc. (“TLB”) has created this Privacy Policy in order to demonstrate our firm commitment to respect and protect your privacy. Due to the sensitive nature of the information we collect from our users we believe it is important to satisfy strict privacy requirements. This Privacy Policy discloses our information gathering and dissemination practices for this website: By using our website, you signify that you accept our Privacy Policy. If you do not agree to this Privacy Policy, please do not use our website. Your continued use of our website following any changes to this Privacy Policy indicates that you accept those changes to this Privacy Policy.

1.    Links to third parties We provide links to third party websites. These “external” websites are not under our control. External websites may not adhere to our strict Privacy Policy; they may have their own privacy policies. We will generally advise you when you are leaving the TLB website. 

2.    Contacting the Website If you have any questions about this Privacy Policy, the practices of this website, or your dealings with this website, you can contact us using our Contact Form.

3. Changes to this Privacy Policy. We reserve the right to make changes to this Privacy Policy at any time. When we make changes to this Privacy Policy that affect our use of personally identifiable information we will notify users by way of a notice on our website. We reserve the right to make non-significant changes (i.e. changes that do not affect our use of personally identifiable information) to this Privacy Policy at any time. This Privacy Policy is incorporated into the Terms and Conditions of Use of the website

4. Collected Information. The following section describes the information we collect from you and indicates why we collect each type of information. If we use your information or disclose or distribute your information to third parties for a purpose that is not related to the following purposes, we will notify you by email of your right to opt-out of that use, disclosure or distribution beforehand. Your right to opt-out shall be governed by the Choice/Opt-Out Section below. 

5.   IP Addresses and Cookies As described below in more detail, we may use your IP address to help identify you, to track activity within our website and to gather broad demographic information. Our website will collect IP address information. An IP address and a domain name are given to every computer connected to the Internet. Our web servers will automatically recognize your IP address and domain name. The IP address and domain name reveal nothing personal about you other than the IP address from which you have accessed our website. TLB may use IP addresses to analyze trends, administer our website, track user movement and gather broad demographic information for aggregation use.

Our website uses cookies to keep track of your session ID. A cookie is a small piece of data that is sent to your browser from a Web server and stored on your computer’s hard drive. A cookie cannot read data off your hard drive or read cookie files created by other websites. Use of cookies is in no way linked to any personally identifiable information while on our website. Once you close your browser, the cookie simply terminates. You can choose whether to accept cookies by changing the settings on your browser. You can reset your browser to refuse all cookies or allow your browser to show you when a cookie is being sent. If you reject the cookies on our website, you may still be able to use the website, but it will be limited to certain minimal functionality. Some of our business partners may use cookies on our website. However, we have no access to or control over these cookies. TLB and our business partners may use cookies to deliver content specific to your interests. We may also track the pages you request, the newsletters to which you subscribe and the advertisements on which you click. We also use cookies to ensure that you do not see the same advertisement too many times. Third party advertisers are unable to see any information about you when you click on advertisements except for your IP address; this does not allow them to access or collect any information about you.

Our website also uses web beacons. Web beacons are small graphic images on a webpage or a web-based document that we can use to determine information about a user. We use web beacons to aggregate data that we use to analyze technical performance. Any information gathered through cookies and web beacons will be kept strictly confidential and will be used for internal purposes only.

We contract with a third party web analytics provider to help manage and optimize the TLB website. This service helps us measure the effectiveness of our advertising. Cookies and web beacons assist with this process.We may collect information about the number of hits on a web page and the type of browser used. This helps us learn which web pages are most attractive to our users. While the web analytics provider logs the information coming from our website on our behalf, we have complete control over how that data may and may not be used.

We use a proprietary advertising server to display advertisements on our website. Advertisers may also use third party services to place advertisements on our website. Advertisers may also use cookies and web beacons to determine non-personal information about our users such as connection speed, type of browser, or country of origin. Advertisers will not be able to collect any personal information about our users from our website. 

6.    Registration Our website’s registration process requires users to give us contact information (such as name and email address) and demographic information (such as age or income level). The user’s contact information is used to contact the user when necessary. Users may opt-out of receiving future mailings as set forth in the Choice/Opt-Out section below. Many parts of our website are reserved for use by TLB members only: including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, special offers and sweepstakes and all information made available to you or by you through this website by TLB. Users can register with TLB to become members. Registration is subject to an annual membership fee. As a member, all parts of the TLB website are available to you. We may also use your contact information to contact you regarding registration or your account status and regarding changes to this Privacy Policy or changes to our website’s Terms and Conditions

Please remember that any information that you disclose in including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, blog comments and other public areas is immediately accessible to other TLB users. Your comments will be attributed to the member name you choose at the time of registration, so if you would prefer to remain anonymous, we encourage you to be cautious in choosing a member name that does not personally identify you. For the purposes of inviting and introducing additional users to TLB, you may be given the option to import or otherwise provide email addresses of third parties to TLB. In so doing, TLB will not store or disseminate your member name or affiliated password nor solicit or spam any third party email addresses so provided. 

7.    Personal Profile Once a registered user, you may provide additional information in your personal profile. Your personal profile will be available for viewing by other registered users of TLB. Providing additional information in your personal profile beyond what is required at registration is entirely optional and can be altered or removed by you at any time. If your personally identifiable information changes (such as address or payment information), or if you no longer desire to use this website, you can update your profile on the profile pages of the website. TLB will endeavor to correct, update or remove your personal data provided to TLB.

Demographic and profile data is also collected at our website. We use this data to tailor the user’s experience at our website, showing you and other users content that we think you and other users may be interested in, and displaying the content according to the user’s preferences. We think this will give users a better experience when they are visiting our website. We may also use this information to determine trends and needs for new services.

8.    Newsletter/Digest We will provide electronic newsletters or digests; you will be required to give us your email address if you choose to subscribe to these newsletters. TLB members can send articles to their friends with the “send this to a friend” feature. This feature requires that you enter both your email address and your friend’s email address. We will not use these email addresses for any other purpose.

9.    Information Sharing and Disclosure Demographic information may be shared with advertisers on an aggregate basis. Aggregate basis means that your information will be generalized with the data we collect from all our users. For example, we may share the average age or income level of our users with advertisers. This is not linked to any personal information that can identify any individual person. TLB reserves the right to collect, disseminate, sell or otherwise disclose non-personal information provided by you. We will not rent, sell, or share personally identifiable information, such as contact information, unique identifiers, and demographic information, with advertisers about any particular individual that uses our website unless:

(A) we have your express permission;

(B) we have an agreement with a trusted partner who agrees to adhere to this Privacy Policy;

(C) we respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;

(D) we believe it is necessary to share information with law enforcement in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Company’s Terms and Conditions (the latest version can be found at: , or as otherwise required by law; or

(E) we experience a Change in Control (see below).

We may also use the information we collect from you to optimize our website so that it is more beneficial to users like yourself and to us. This website contains links to other websites. As noted above, we are not responsible for the privacy practices or the content of such websites, nor are we responsible for any fraudulent advertisements contained on our website or on any website that our website provides a link to.

When you participate in a forum including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, special offers and sweepstakes and all information made available to you or by you through this website by TLB, your name and IP address may be recorded for purposes of maintaining your own account within including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, special offers and sweepstakes and all information made available to you or by you through this website by TLB, and preventing abuses of the forum (please see online community standards rules for more details. You can find the most current Terms and Conditions here). This information is not used to personally identify you outside the TLB community in any way. In order to diffuse the information in our website's forums to a wider audience, TLB may, from time to time, collect some of your postings and group them together to use in a specific publication, print, electronic mailing or other public dissemination. At no point however will your name or IP address be revealed in any publication. In addition, when your postings are used in this fashion, they may be edited to fit with the general content of the publication being prepared.

You may participate in any forums, including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, special offers and sweepstakes and all information made available to you or by you through this website by TLB offered through TLB, but you agree not to post any material the content of which (i) is defamatory, libelous, obscene, indecent, abusive, threatening to others, or in violation of any law; or (ii) infringes the copyright, trademark right, or other intellectual property right of any third party. You will be solely responsible for all content that you post on any forum, including, but not limited to, all content such as text, information, images, the TLB blogs, message boards, chat rooms, forums community groups, special offers and sweepstakes and all information made available to you or by you through this website by TLB offered through TLB. You agree to indemnify TLB and its officers and employees from and against all liabilities, judgments, damages, and costs (including attorney's fees) incurred by any of them which arise out of or are related to the content that you post. Forums are intended only for the personal use of TLB users, and may not be used for commercial purposes or for organized political activity.

TLB may partner with another party to provide specific services. When you sign up for these services, TLB will share names, or other contact information that is necessary for the third party to provide these services. Per TLB's contractual arrangements with these third parties, these third parties are not allowed to use personally identifiable information except for the explicit purpose of providing these services. 

10.    Spam TLB maintains a strict "No Spam" policy, which means that TLB does not intend to sell, rent or otherwise give your email address to a third party without your consent.

11.    Information Protection and Security This website has security measures in place to protect the loss, misuse and alteration of the information under our control. All user data is stored in a private database. No administrator at TLB will have knowledge of your password. It is important for you to protect against unauthorized access to your password and to your computer. Be sure to log off from TLB when finished using a shared computer.

Access to your personal information is limited to employees who TLB reasonably believes will need that information to provide services to you. However, TLB is not responsible for the confidentiality, security or distribution of your own personal information by our partners and third parties outside the scope of our agreement with such partners and third parties. The TLB website may contain links to other websites. The linked websites are not necessarily under the control of TLB. Please be aware that TLB is not responsible for the privacy practices of such other websites. TLB encourages you to be aware when you leave this website and to read the privacy policies of each and every website that collects personally identifiable information. If you decide to access any of the third party website linked to our website, you do this entirely at your own risk. 

12.    Choice/Opt-Out Our websitprovides users the opportunity to opt-out of receiving communications from us at the point where we request information about the user. This website gives users the following options for removing their information from our database to not receive future communications or to no longer receive our service. You can send an email to stop further communications from TLB. If you are using an email forwarding service or other similar service, please make sure to include the correct email address or addresses.

13.    Change in Control. If we experience a “Change in Control” (defined below), we may amend our information practices as described in this Privacy Policy. In the event of a Change in Control, information about you may be transferred to a third party. We will prominently post on our website a notice or a link to a notice which will describe how we will amend our Privacy Policy. If you do not agree to our amended Privacy Policy, you may contact us as described in this Privacy Policy and we will allow you to opt-out of the proposed amendments to our Privacy Policy with respect to the information that we have previously collected from you. “Change in Control” means any of the following events: (1) we undergo a reorganization, merger, consolidation, acquisition or other restructuring involving all or substantially all of our voting securities and/or assets, by operation of law or otherwise; (2) we become insolvent; (3) we make a general assignment for the benefit of creditors; (4) we suffer or permit an appointment of a receiver for our business or assets; (5) we becomes subject to any proceedings under any bankruptcy or insolvency law, whether domestic or foreign; or (6) we are liquidated, voluntarily or otherwise. 

14.    Website and Service Updates As necessary, TLB may send you website and service announcement updates. As long as you are a member of TLB, you will not be able to unsubscribe from service announcements, which contain important information about the website. TLB communicates via email with you to provide requested services and to resolve issues relating to your accounts. Should you have questions about this policy or TLB's information collection, use and disclosure practices, you may contact us at the address or The Legal Balance, Inc., 1341 W. Fullerton Avenue, Suite 381, Chicago, IL 60614. We will use reasonable efforts to respond promptly to requests, questions or concerns you may have regarding our use of personal information about you. Except where required by law, TLB cannot ensure a response to questions or comments regarding topics unrelated to this policy or TLB’s privacy practices. This page was updated last on October 13, 2010.