Financial Strategies, Inc. is committed to protecting your privacy. This Privacy Statement explains our Web site: fsi-ltc.com's policies and practices regarding information collected on this web site and how we use that information.

I. Browse With Confidence: Financial Strategies, Inc. Web site, fsi-ltc.com, contains a wealth of information designed to help you be informed of long-term care issues and concerns as well as various options, free personalized plan-designs, quotes and alternative funding solutions to assist you in protecting your retirement assets and income from the costs of long-term care services; and to facilitate your purchase of a funding solution that is right for you. You are welcome to browse the site without revealing any personally identifiable information.

If you decide to tell us about yourself, whether by completing our Request Forms for one of our free services or otherwise, you need not worry about your privacy because we do not willfully use, sell or disclose your personally identifiable information unless you give us permission to do so or unless we are required to do so by law.

Like most other web sites, fsi-ltc.com automatically collects certain limited information, but that information does not identify you. fsi-ltc.com collects and stores your computer's Internet address (IP protocol) but not your e-mail address. fsi-ltc.com also collects and stores the date and time you accessed the fsi-ltc.com site and tracks the pages or documents accessed within the site. This information is collected for systems administration and for analyzing and improving the value of the material available on the fsi-ltc.com Web site. If this information is ever given to third parties, it is given only in an aggregated form and cannot identify you or anyone else.

The fsi-ltc.com Web site relies upon "cookies" to tailor the information delivered to the user. Cookies are small web-generated files that are stored on your computer hard drive in order to collect information about your activities on a particular web site. fsi-ltc.com uses cookies to monitor security, navigation and usage of its Web site. If you decide to give us personally identifiable information, we may also use cookies to personalize your experience at our Web site.

If you click on any of our “Request for free…” Forms, we will collect your name, address, telephone numbers, e-mail address and other information pertinent to your situation and specifically related to your needs and wants. We collect this information by asking you to enter it into our form. You may give us the information or not - the choice is yours.

When you submit personally identifiable information via our request form, your personal information is stored on our outsourced secure server. We may also provide this information to our Customer Care staff associates or resource to contact you for verification or to an establish a convenient time to discuss your information and options, or e-mail it to a licensed insurance professional who is either an employee or under contract with us and for purposes of giving you a call or to arrange a time and place for a convenient meeting, but we do not share it with anyone else unless you give us permission to do so or we are required to do so by law.

When you submit a Request Form, we may periodically send you additional information for your review, or our Newsletter, and perhaps also other information which we believe will be valuable to you. (See below regarding how to end these communications.)

We may also use information received from our users in an aggregated form for purposes of evaluating the quality of our service or communicating the effectiveness of our business. But such aggregated information will not identify you or anyone else.

The security of confidential and private information is one of our top priorities. fsi-ltc.com may provide links to third-party web sites as a convenience to our users. The inclusion of any link does not imply an endorsement or recommendation of the third-party organization, its web site, or its products and services. fsi-ltc.com has not reviewed and is not responsible for the privacy practices or content of such web sites. fsi-ltc.com is also not responsible for the security of e-mail messages sent over the Internet.

If you do not want to receive our e-mail Newsletter, simply click on the unsubscribe link at the end of the Newsletter. If we send you e-mail messages or other communications and you no longer wish to receive them, please contact as follows:

If you wish to correct the information you gave to any of our staff you dealt with after using the fsi-ltc.com Web site, or to stop any such person or organization from sending you e-mails or other communications, please contact that person directly.

VI. Children. The fsi-ltc.com Web site is designed to help adults purchase financial solutions related to their financial needs and wants. fsi-ltc.com does not knowingly collect information from children and does not market its services to Children. This site is not meant for children under the age of 18, and we do not provide privacy measures designed to protect children when using the Internet unsupervised.

This Privacy Statement is not intended to supercede or modify the terms of any agreement between fsi-ltc.com and any third party. If the terms of this Privacy Statement are inconsistent with the terms of any such Agreement, the terms of the other agreement shall control.

fsi-ltc.com reserves the right to change its privacy policies and practices. The most current Privacy Statement will be posted on this web site. If at any time in the future fsi-ltc.com decides to use personally identifiable information in a manner different from the manner described in our Privacy Statement at the time the information was collected, fsi-ltc.com will notify users by way of an e-mail and will give users a method to opt-out of having their personally identifiable information used in the different manner.