WEBSITE PRIVACY POLICY

OVERVIEW

www.chaitimes.com (Website) gathers and collects information (Information) from and about our Users (for the avoidance of doubt, as User is someone who has agreed to use the services provided by the Website, and Users is the plural of a User), both in the interests of protecting the Website and also in promoting our products. Given that our User's privacy is of paramount importance to us, and to demonstrate our commitment to maintaining the highest professional standards. and to assure you that we care about how the Information is collected and used, we set-out in this privacy policy (Privacy Policy) the kind of Information we gather on the Website, how we identify and collect the Information, and, most importantly, how we use the Information once it has been collected.

ARTICLE 1-COLLECTING INFORMATION

Section 1: Kind of Information collected

From time-to-time, including during the initial online registration process, our Users will be asked to provide us with the following Information:

- personal information: including your name; date of birth; occupation; gender; home and work address; home, mobile and work telephone numbers;

- email addresses: email addresses may be verified by means of sending a verification email to the email address(es) submitted;

- user name: which will be the name by which you are identified on the Website;

- financial information: depending on the product that you are registering for with the Website, you may be asked to provide details of a credit card number and/or a bank account number. You may also be asked to provide details of an online payment account (such as PayPal) by which you intend to make payments to and from the Website;

- marketing: from time-to-time you may be asked to submit Information or respond to questions for marketing purpose. An example of such a question would be: how did you discover this Website?.

Section 2: How the Information is collected

Information may be collected by the Website in any one or more of the following ways:

1.01 Registration process: During the registration process you will be asked to answer certain personal and financial (if required) Information queries. This Information will then be retained by us.

1.02 Updates: Every now and then, the Website may ask its Users to provide periodic updates to the Information we hold on record. In such an event, updates may be requested automatically, such as in the case of any renewal process, or by means of a request initiated by the Website.

1.03 Marketing: Periodically, the Website may send its Users details of requested or promoted products. In responding to such, Users may be asked to provide us with Information.

1.04 Transactional history: Information may be collected by the Website based on your transactional historical use of the Website, as a User of the Website.

1.05 Cookies: The Website makes use of cookies, web beacons and other technology to customize and recall your use on the Website. In the event that you are not aware of it, a cookie is a text file that is placed in your computer browser when you first visit and on any subsequent visit and which helps us to identify repeat visitors when they revisit the Website. A web beacon is computer code that identifies, among other things, the number of visitors that visit our Website. In our use of both cookies and web beacons, no third party is made aware of the information collected.

1.06 Click-through banners: From time-to-time, advertisers on the Website may make use of cookies and click-through banners to trace the movement and activities of Users of the Website. In the event that you utilise these click-through banners, please note that the Website has no control over the website to which you will be directed and, thus, it is advisable you review the terms of such website's privacy policy prior to providing any personal information. Insofar as the use of cookies by our advertisers is concerned, such use by our advertiser should be for the purposes of tracking the effectiveness of their advertising campaigns only, and no personal information should be obtained from you as a User of this Website.

ARTICLE 2-USE OF INFORMATION

Although the Website has a general policy of never disclosing or on-selling Information collected or provided to us, from time-to-time we may be asked to provide such Information as is collected by us in the following circumstances:

2.01 Disclosure to third parties: By law, we may be required to disclose Information to local and federal law enforcement officers; to other third parties as ordered to do so by a court judgment; if the Website is required, or the Website reasonably believes it is a requirement, to disclose the Information in order to protect the rights and interests of the Website; to any other appropriate federal or state authority, as the case may require on a case-by-case basis.

2.02 Disclosure to affiliated and related parties: From time-to-time, the Website may share your Information with its affiliates and related parties, members of its corporate family, service providers, and/or other third party persons or business to whom you explicitly instruct us to disclose the Information to.

In such cases, by your making use of the Website services, you agree that the Website may and can release and/or disclose such Information without the need for consent on your part.

ARTICLE 3-AMENDMENTS & CHANGES TO THIS PRIVACY POLICY

Changes may be made to this Privacy Policy at any time and such changes will become effective upon the publication of the amended Privacy Policy on the Website.

ARTICLE 4-SECURITY

4.01 General: While the Website uses its best endeavours to ensure the safety and security of the Information provided to it by its Users, Users of the Website acknowledge and accept that it may not be practical or reasonable to assume that the Information can be protected at all times from any misuse, loss or unauthorized access. As such, the Website cannot guarantee, not does it implicitly guarantee, the safety of any Information provided to it. For this reason, the Website encourages all of its Users to consider carefully the implications of the disclosure of any Information prior to the User disclosing such Information to the Website.

4.02 User ID: All User Ids are displayed throughout the Website during use of the Website and are, thus, Information made available to the public at large. It is both impractical and impossible to expect the Website to protect this Information and Users should be aware that their actions on the Website will be able to be traced. As such, if you do not wish this Information to be made available to the public at large under the use of your User Name, you should refrain from making use of the services provided by the Website.

4.03 Password: Your password access to the Website is both personal and unique to you. In the event that you share this Information with any third party, you will be responsible for the consequences of any actions undertaken in the name of your User Name following such disclosure. As such, if, at any time, you believe a third party may have access to your password, you must notify the Website management immediately in order to take steps to rectify this situation by means of changing your password.

ARTICLE 5-INFORMATION ACCESS

From time-to-time, and at any time, Users of the Website may request that the Website provide them with details of all Information then held and retained by the Website which relates directly to them. Notwithstanding this, if a User makes more than one Information request per calendar year, the Website reserves the right to impose a charge upon the User to the extent that such is needed in order to cover all administrative fees and costs relating to such a request.

ARTICLE 6-INFORMATION OWNERSHIP

All Information collected by the Wesbite remains the property of the Website.

ARTICLE 7-MISCELLANEOUS

7.01 Other Agreements: Users of the Website agree and hereby consent that the terms and conditions of any other agreements entered into between the User and the Website apply to the terms of the Privacy Policy. Without limiting the provisions of this section, all Users of the Website agree to be bound by the terms and conditions of the Website User Agreement.

7.02 Third Party: This Privacy Policy is intended to address the Users of the Website only and no third party rights and obligations are created between the Website and any third party the User discloses any information with, now or in the future, as a result of their use of the Website.

7.03 Passive Disclosure: In addition to any Information disclosed to the Website directly, Users of the Website may passively decide to disclose information relating to themselves voluntarily, either to the Website or to any third party. In the event of any passive disclosure of Information, the User hereby agrees that such disclosed Information shall, at all times following the disclosure, be Information treated as being in the public domain.

ARTICLE 8-TERMINATION

This Privacy Policy can be terminated at any time on the part of either the Website or the User in accordance with its terms and the terms and conditions of the Website User Agreement.