Privacy Policy

Our Privacy Policy

Last Updated: October, 2015

Shadow Financial Systems, Inc.’s Privacy Commitment. Shadow Financial Systems, Inc. (“Shadow”) respects the privacy of our customers and protection of your personal information is important to us. Shadow believes in communicating clearly with our customers.

This Privacy Policy (“Policy”) describes our policy with respect to information that Shadow collects through the website at www.ShadowFinancial.com (“the Website”). By visiting the Website you are acknowledging that you have read, accept, and agree to the terms of this Policy.

Privacy Policy Support. If you have an inquiry or concern about our Policy, please contact us using the contact information below.

Changes in this Policy. Shadow may amend this Policy at any time, but we will communicate with you, as required by law, when any changes are made. Please visit our Website to obtain current information about our Policy. This Policy replaces all previous notices or statements with respect to this subject, and cannot be modified orally by any of our representatives, employees or officers.

  1. Information Shadow Collects

Shadow and its Affiliates, as defined below, collect personal information for permissible business purposes to assist in meeting our customers’ needs. We do not require anyone to divulge any personally identifiable information to use the Website. Certain types of information available to you on the Website (for example, pricing information) may only be accessible after you provide us with requested personally identifiable information. Shadow will collect personal information about you through the Website provided voluntarily by you.

The information we collect generally includes: (1) personal information and (2) tracking information collected as you navigate through the Website.

Personal Information.  We collect personal information about you for many reasons and at a variety of different times.  The type of personal information we collect depends on the information you reviewed and the services you’ve requested.  Our computer servers automatically log your IP address, the pages you click on and how long you spend there, and the web page you came from and go to next; we also save the data you type in if you want us to send you brochures or applications.

The personally identifiable information we request from you may include your: (i) first, middle, and last name; (ii) home or office phone and fax numbers; (iii) home or office address; (iv) home or office e-mail address; and (v) any other information you provide to us via our contact form.

Shadow may also collect personal information for market research and product development so we can understand your needs as a customer. We may also collect personal information about you from third  parties or other sources.

Information Collected Through Technology.  Primarily to tailor the Website to your needs, Shadow collects information using technology, such as IP addresses and cookies. For example, your IP address provides Shadow with non-personally identifiable information about how you entered the Internet, namely through your Internet service provider, your company, or some other source, and can permit Shadow to identify the frequency with which you visit the Website. Standard features in Internet browser software such as “cookies” allow websites to track certain user activities by assigning each of our visitors a unique number that resides on your computer. Shadow uses cookies to make the Website more interesting and useful.

Shadow’s cookies are limited to our Website only, and are not designed to follow you when traveling on the internet after leaving the Website. In addition to Shadow’s cookies, various third parties may also place cookies on your computer’s hard drive. Shadow is not responsible for the presence or absence of third party cookies, or for the technological capabilities or practices employed by third parties in connection with third party cookies.

If you would prefer not to have the benefits of cookies, your internet browser or other third party software on your workstation can be adjusted to treat cookies in different ways. Depending upon the type of browser you are using, you may be able to configure your browser so that: (i) you are prompted to accept or reject cookies on an individual basis; or (ii) you may be able to prevent your browser from accepting any cookies at all. You should refer to the supplier or manufacturer of your web browser for specific details about cookie security. However, you should also understand that rejecting cookies might affect your ability to perform certain transactions on our Website and our ability to recognize your browser from one visit to the next.

Information Is Not Collected Online from Individuals Under 18. Shadow does not knowingly collect any personally identifiable information online from individuals under the age of 18. If you are under the age of 18, we ask that you do not use the Website. Shadow does not seek to obtain, nor does it wish to receive personally identifiable information directly from minors; however, we cannot always determine the age of persons who access and use our Website. If we do learn that personally identifiable information has been collected on the Website from a minor and without verifiable parental consent, then we will take the appropriate steps to delete this information. If you are a parent or guardian and discover that your minor child has obtained an account on the Website or has otherwise provided personally identifiable information, you may alert us at information@ShadowFinancial.com, and request that we delete that child’s personally identifiable information from the Website.

  1. How Shadow Uses That Information

Shadow uses your personally identifiable information for the purposes for which it was submitted. For example, we collect this personal information so we can provide you with the services you may want, make it possible for you to obtain our services and help you understand our services.

Shadow may also contact you with information based on information you have provided.

We may also use your personal information as required by law, in response to governmental orders or requests, to enforce the Terms and Conditions applicable to the Website, and as we deem reasonably necessary to investigate, prevent or take other appropriate measures in connection with fraudulent or illegal activities.

Shadow may use information about use of the Website and aggregated information about you and other visitors to our Website in order to improve our Website and develop content and services that may be of interest to you and for its other business purposes.

  1. Security Measures Taken to Protect Personally Identifiable Information

Shadow uses firewalls, vulnerability scans, and secure network encryption technology to protect personally identifiable information. Shadow also employs internal physical and technologic security measures to detect and block unauthorized intrusions to its computer systems. However, while we employ reasonable security measures to protect your personal information, please be aware that no method of electronic transmission is completely infallible, and we cannot guarantee its absolute safety.

  1. Information Sharing

We do not sell any customer lists that contain your personal information.

Other Circumstances. We may disclose your personal information as you consent or direct. We may disclose your personal information to third parties as required by law. For example, we may disclose your personal information in connection with a subpoena or other legal process, in an audit, or when we record your mortgage or deed in public records. We reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful, or in the interest of national security, law enforcement activities, or other issues of health and safety as reasonably necessary or appropriate under the circumstances. We may share information to prevent illegal uses of the Website, or defend ourselves against third-party claims. We may also share information with companies assisting in fraud protection or investigation. We do not provide information to these agencies or companies for marketing or commercial purposes.

We may also transfer user or customer information, including personally identifiable information, in connection with a corporate transaction, such as a divestiture, merger, consolidation, or asset sale.

  1. Questions or Comments

If you have any questions or comments about this Policy, please contact us at: 732-225-6800 or info@ShadowFinancial.com.

  1. Miscellaneous

Changes and Updates to this Policy.

Please revisit this page periodically to stay aware of any changes to this Policy, which may be revised periodically at our sole discretion. If we modify this Policy, we will make it available through the Website, and indicate the date of the latest revision. In the event that the modifications materially alter your rights or obligations hereunder, we will make reasonable efforts to notify you of the change. For example, we may send a message to your e-mail address, if we have one on file, or generate a pop-up or similar notification when you sign-in to the Website for the first time after such material changes are made. Our amended Policy will automatically take effect 30 days after it is made available through the Website, except that (i) we generally only use your personally identifiable information in the manner described in the Policy in effect when we received that information and (ii) if you do not agree with any changes to the Policy, you may terminate your account. Your continued use of the Website after the revised Policy has become effective indicates that you have read, understood and agreed to the current version of the Policy.

International Users.  This Website is operated, in whole or in part, from the United States. By using this Website, regardless of where you live in the world, you consent to have your personal data transferred to and processed in the United States, and allow Shadow to use and collect your personal information in accordance with this Policy.

Do Not Track.

Shadow does not track its customers over time and across third party websites to provide targeted advertising. Therefore, Shadow does not respond to Do Not Track (“DNT”) signals. Some third party sites, however, do keep track of your browsing activities when they serve you content, which enables them to tailor what they present to you. If you are visiting such sites, your browser should allow you to set the DNT signal on your browser so that third parties (particularly advertisers) are informed that you do not want to be tracked.

Governing Law And Jurisdiction Of This Agreement.

The Privacy Notice and Terms and Conditions of Shadow are made under, and will be construed according to, the laws of the State of New Jersey, U.S.A., without reference to the choice of law principles thereof. Any dispute arising out of the Terms of Use or the Privacy Notice shall be governed by the laws of the State of New Jersey, notwithstanding any conflicts of law principles. Shadow makes no representation that this Privacy Policy and such practices comply with the laws of any other state or country. The exclusive jurisdiction for any litigation required to resolve any disputes under this Privacy Policy shall be in the courts of the State of New Jersey, and each Party consents to the jurisdiction of such courts in New Jersey, and waives objection to venue laid therein.

Effective Date

This Policy is effective as of October 1, 2015.