This privacy statement explains the procedures followed by VSA in collecting and using information regarding visitors to this Web site and advises you what information might be shared with third parties. The type of information collected will vary depending upon the portions of the site which you visit and, in certain instances, which you voluntarily disclose.

COLLECTION OF INFORMATION

Basic Viewing

the requested Web Page,

the status of the request (whether it was successful or not),

the date and time you access our site,

the internet address of the website of the domain name of the computer from which you accessed our site,

the type and version of the web browser, and,

the operating system of the computer running the web browser,

In addition to using this information to send the requested site pages to your computer, we use this information (i) to monitor the performance of our Web server and diagnose system problems and to otherwise administer our system and (ii) to provide collective demographic and user profile data on visitors to our site.

Any usage of any on-line chat or newsgroup sessions is considered a public usage and you assume responsibility for any information or content which you submit.

Users Who Register

Users who desire to access more than a demo or other public portions of The Virtual Assistant must register and supply certain information. Even if you do not register, unless you have opted-out, we may contact you for marketing purposes.

E-Mail Users

If you send us an e-mail or respond to the Contact Us section, in addition to the general visitor information, we also will record your e-mail address and any other personal information included with your message. We will use this information to respond to your message and may add your address to an e-mail distribution list used to announce new products or to update the status of other products or otherwise contact you for marketing purposes.

Subscriber/Demo Users

If you subscribe or access product demo or trial subscription, in addition to the general visitor information, we will collect and store your name and e-mail address and other information on the registration form. This information will be incorporated into one or more VSA database(s). We may use this information to send you solicitations for VSA products and make other marketing contacts.

If you order a subscription, in addition to the general visitor information, we will require certain personal information, including (i) financial information necessary to process the order (such as a credit card number or account information), (ii) location information (including address and business affiliation) necessary to process the order (which may include mailing and delivery addresses and telephone numbers) and to otherwise support our customer database and (iii) unique identifiers (such as a user password). We use this information to authorize and process your subscription and also to track usage and billing. Payment information may be disclosed to credit reporting bureaus or used for collection purposes. The customer specific information will be incorporated into one or more of our subscriber database(s). Information other than your financial information will be shared with certain third parties providing content to the The Virtual Assistant. That information is subject to the privacy policies of such third party providers. We periodically send our subscribers, either by regular mail or e-mail, information and solicitations for VSA products and make other marketing contacts. We also use composite demographic or profile data for our own internal research.

Certain tools available through the The Virtual Assistant allow users to enter personal financial information of their prospects, clients and customers for planning and financial product evaluation purposes. Such customer data is not stored by VSA.

Continuing Education Participants

Individuals taking continuing education exams online will have been given a unique password. This password will be connected to personal information required for identification of the test taker as required by the course administrator and the continuing education authorities of the specific jurisdiction. In addition to the general visitor information (which, for the visit to the site when you either order or take the test, may be linked to your personal identifying test information), such order data will be recorded as provided above and will be linked to the test administration data. We may use composite demographic or profile data for our own internal research, including test development, and when dealing with continuing education providers and certification authorities.

USE OF INFORMATION

Basic Viewing

Except for subscribers who access continuing education functions, no individual identifying data is shared outside of VSA or its providers. We may disclose collective demographic and user profile data with third parties.

Continuing Education Participants

Data gathered as a general visitor to a VSA site or as a subscriber may be shared as previously described above under those headings. In addition, if you enroll in any continuing education course, you can expect that personal identifying information, including test results, as required by the continuing education authority or course provider, will be sent to those parties. Users who have questions as to the specific data to be provided in any given case, should contact VSA at privacy@fsonline.com before registering for a continuing education program or test.

COOKIES

A "cookie" is a small data file that is sent to your browser when you access a web site. The Virtual Assistant cookies will contain a unique user ID that tracks the pages you have visited. This user ID is used only for the operation of the cookie and is not provided to any third party. A cookie file cannot read other data from your hard disk or read cookie data created by other sites. VSA uses cookies primarily to facilitate your visit through our sites and to help us improve our sites. We also will use cookie data in operating our on-line subscription, continuing education and product demo functions as well as in granting access to secure pages.

If you set your browser to not accept cookies, you will not be able to view product samples or demos or to use various other subscriber functions.

LINKS

This site contains links to third party sites. (This includes links through site resources.) These sites are not under the control of The Virtual Assistant and are not covered by our privacy policy. VSA is not responsible for the privacy policy or content of such other Web sites. Once you link to another site, you are subject to the privacy policy of that new site. (Check the URL in the location bar on your Web browser.)

SECURITY

The Virtual Assistant is committed to taking commercially reasonable steps to protect any individual identifying information that you provide to us. We use industry standard security tools. However, we are not responsible for any breach of security or for any actions of any permitted third parties who receive information.

CONTACTING US

If you have any questions about this statement, the practices of this site or your dealings with this Web site, you can contact us at:

VSA Webmaster

Financial Services Online

P.O. Box 24

Katy, Texas 77492

privacy@fsonline.com

GENERAL

The Virtual Assistant reserves the right to revise these terms at any time by updating this posting. Even though you may have visited this site before, any access is subject to the then current terms and you are responsible for checking for any updates. However, the prior terms will continue to apply to any information submitted under such policy.

Last Updated: March 17, 2016