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Privacy Policy

Last Modified: 5/23/18

This Privacy Policy forms part of the User Agreement and is incorporated by reference therein. Capitalized terms not defined herein will have the meanings set forth in the User Agreement and related policies. This Privacy Policy covers information you may provide to through the website:

  • what personally identifiable information of yours is collected;
  • what organization is collecting the information;
  • how the information is used;
  • with whom the information may be shared;
  • what choices are available to you regarding collection, use and distribution of the information;
  • what kind of security procedures are in place to protect the loss, misuse or alteration of information under the company’s control; and
  • how you can correct any inaccuracies in the information.

Your Privacy is very important to us at At, we are committed to maintaining the trust and confidence of the visitors to our website. In particular, we want you to know that is not in the business of selling, renting, or trading email lists with other companies and businesses for marketing purposes.  If you have questions or concerns regarding this statement, you should contact by sending an email to

This Privacy Policy describes the information we collect about you and what may happen to that information. Although this policy may seem long, we’ve prepared a detailed policy because we believe you should know as much as possible about’s practices so that you can make an informed decision.

  1. A Special Note About Children
    2. Security
    3. Information Collects
    4. Our Disclosure of Your Information
    5. User Account Cancellation Procedures
    6. Notification of Changes to our Privacy Policy
  2. A Special Note About Children.

Entry to this Site requires age verification. requires all Users and users to be at least eighteen (18) years old to use any area of the Site and requires that all Users and Users agree to the terms of the Age Verification Agreement. Children are not eligible to use and we ask that minors (under the age of eighteen (18)) not to submit any personal information to us.

  1. Security.

2.1. has certain security measures in place to help protect against the loss, misuse, and alteration of the information under our control. We use Secure Socket Layer (SSL), which digitally encrypts your information as it is transferred from your computer to We take the following measures to protect user information once it is received by the Site:

  • employees have limited and controlled access to User information;
  • measures have been taken so that servers and the data stored thereon are in a secure physical location;
  • security software is used where determines it to be both appropriate and cost effective;
  • employees are informed of all security protocol on a regular basis; and
  • web security procedures are quality-assured weekly.

2.2. Although we strive to keep your personal information secure, no security measures are absolute and fool-proof and there is always a possibility that a security breach could occur, resulting in the release of a User’s data or information.

  1. Information Collects.

3.1. Our primary goal in collecting personal information from you is to provide you with a smooth and efficient experience while you’re using’s website services, and to keep you informed of opportunities available on those services. This allows us to provide services and features that are designed to meet your needs, and to customize our service to make your experience easier and quicker. To this end, we may share information you provide with entities worldwide, eg. its parents, affiliates, partners, joint venturers, correspondents, associates and subsidiaries and their successors and assigns (collectively herein “ Entities”).

3.2. When you join using our online registration form, or by registering over the phone, we may collect your email address, User name, real name, password, phone number, and other personal information listed in the registration form. Your User name is used throughout to identify you to other Users. Therefore, you should be aware that if you use your real name as your User name, this information will be visible to others who visit the Site. You can also join via co-branded pages or co-branded phone numbers using the co-branded registration forms available on such pages or phone numbers. will only use the information you provide to by joining through co-branded online registration forms, phone registration, and through’s online registration form in accordance with this Privacy Policy. If you register as a User through any co-branded pages or phone numbers, may share your information with the partnering entity listed on the co-branded page. Prior to completing the registration on any co-branded page or phone number, will notify you if your information will be shared with the partnering entity listed on the co-branded page or phone number. By completing the registration on a co-branded page or phone number, you consent to’s disclosure of your information in accordance with the notices displayed during the co-branded registration process. In such event, the use of your information by the partnering entity will be subject to the terms and conditions of such partnering entity’s privacy policy, which may be less restrictive than this Privacy Policy.

3.3. Because we connect Users by telephone, we require you to enter a valid telephone number to connect with other Users through At no time will we share your telephone number with any other Users with whom you communicate. Because initiates all calls, other Users cannot see your telephone number—not even with Caller ID.

3.4. We may use your email, mailing address, and phone number to contact you regarding account activities, new product offerings, and communications relevant to your use of and its affiliates. If you do not wish to receive such communications from you have the ability to stop receiving these mail communications by providing your User name and email address in a Customer Support Form or by unchecking the box on the My Preferences page, which asks if you wish to receive such mailings. You will, however, always receive administrative emails from that are related to the usage and functionality of You may not opt-out of these administrative emails unless you cancel your Usership.

3.5. If you have a Talker listing and/or are earning money on, we collect additional information from you in order to  process and remit to you your Talker fees and/or verify your personal and/or listing information. We collect your mailing address to remit payments, and we collect your Social Security number and/or Federal Tax ID number to prepare Form 1099-MISC if necessary and to help us verify your identity. Users who are not United States taxpayers will not be asked for their Social Security numbers or Federal Tax ID numbers, though they may need to report income to their local tax authority and may be required to provide equivalent evidence of their identity.

3.6. may collect credit card information, add money to your User account, or use your credit card to take advantage of special promotions. uses RocketGate to process credit cards for billing purposes. This third party may store or retain a User’s personally identifiable information, Your credit card is not stored by on our site or servers. In certain cases, we will also use your partial credit card information to help us verify your identity. We do not charge or bill the credit card when we collect partial credit card information for identity verification purposes.  Please refer to RocketGate’s Privacy Policy for any questions regarding your stored payment information with them.

3.7. You can review, update and change some of your personally identifiable information—including your email address, date of birth, and PIN number on the My Account page. You can review, update, or change your address and credit card information by going to the Add Money page on the Site, clicking on the “New Card,” and then adding your name, address, and new or corrected card number. You may correct, update, or hide any of your profiles by clicking on the profile name on the Account Dashboard page. You may also update, correct, or delete information by filling out an updated Customer Support Form or you may write to at Customer Support,,  110 South 7th Street, Philadelphia, PA  19106.

3.8. You may also provide with additional profile information (such as experience, affiliations, on-call schedule, etc.) that is displayed publicly on the Site, on your home page, or in your listings. Other than the profile information submitted by our Users, and except as noted herein, does not disclose any personally identifying information to other Users without your permission. If you choose to use forums, know that any personally identifiable information that you post can be read, collected, or used by others, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information that you provide.

3.9. We use information we maintain about you, and other information we obtain from your current and past activities on the Site, to resolve disputes, identify potential liabilities, troubleshoot problems, and enforce our User Agreement. At times, we may look at your User account information and transaction history to identify problems or resolve disputes. To have your account, personal information and transaction history erased from our records, please submit your request in writing:

Send us mail to the following mailing address: Cancel
TL Holdings LLC
Suite 144
1409 Marlton Pike
Cherry Hill, NJ 08034

3.10. We may from time to time run promotions in which we ask Users or visitors for demographic information (like their Zip Code, State/Province or age). We may also run contests on in which we ask Users or visitors for demographic information. We use this data to tailor your experience, showing content that we think you might be interested in and displaying the content according to your preferences. We also use demographic information to determine eligibility for certain promotions and contests.

3.11. From time to time may ask Users to participate in surveys. Such surveys may ask Users for contact information (like their email address). We may use contact information from our surveys to send you information about our company.

3.12. may contain links to other sites. is not responsible for the privacy practices or the content of such websites. We encourage you to review the policies of these sites.

3.13. also facilitates communication among Users through our on-site Mail system. Messages sent via Mail are identified only by your User name.

3.14. may use certain information collected from our Users in aggregate form to tailor our Users’ experience at the Site, showing you content that we think you might be interested in, and displaying the content according to your preferences. may also supplement the information you provide by purchasing information relating to you from third-party data providers. uses this information to improve its marketing and promotional efforts.

3.15. uses cookies. Cookies are small amounts of data sent to a user’s browser from the Web servers and stored on a user’s computer’s hard drive. uses cookies to track the pages on the Site that our users visit. This allows us to collect aggregate information about usage on the Site. may also use cookies to deliver content specific to Users’ interests, and to keep track of Users’ User names and passwords so that Users do not have to re-enter them during a session. If you choose not to accept cookies, you will be unable to use the Site.

3.15.a. Google Analytics. When someone visits, we use a third party service, Google Analytics, to collect standard internet log information and details of visitor behavior.  We do this to find out things such as a number of visitors to the various parts of the site.  This information is only processed in a way which does not identify anyone.  We do not make, and do not allow Google to make, any attempt to find out the identities of those visiting our website.

3.15.b. We use services provided by a third-party organization, iovation Inc., for the purposes of fraud prevention and account authentication purposes. iovation are based in the US. Their third-party services help us decide whether to accept transactions from electronic devices by analyzing device attributes and checking whether they have been associated with fraudulent or abusive transactions in the past. The service also helps verify your identity by registering and remembering devices associated with your account. We also report to iovation if we conclude that a device has been used in connection with a fraudulent or abusive transaction with us. iovation may track your activity over a network of different sites that subscribe to their services. Please see and their privacy policy for more information about this service

3.16. uses your IP addresses to help diagnose problems with our server and to administer the Site. Generally, IP addresses tell us the location from which a person is connecting to us, what service provider the person is using and which parts of the Site the Site user is visiting. We do not link IP addresses to anything personally identifiable. This means that your session will be tracked, but you will remain anonymous. We reserve the right to track IP addresses for the purposes of fraud prevention, and we reserve the right to release IP addresses to legal authorities.

3.17. If you send email correspondence, or if other Users or other third parties send us email or other correspondence regarding a particular User’s activities or postings on the Site, may collect such information.

3.18. strictly enforces and requires that all Users comply with its Anti-Spam Policy.

  1. Our Disclosure of Your Information.

4.1. Except as explicitly stated herein, we do not sell, rent, or trade any personally identifiable information to third parties. In addition to the other circumstances of disclosure described in this Privacy Policy, may disclose your personally identifiable information to third parties if you opt-in to having your personally identifiable information disclosed to such parties. When you consent to disclosure to such third parties, such third parties may use your information in accordance with their privacy policies, which may be less restrictive than this Privacy Policy. may also disclose your personal information to appropriate authorities and to banks associated with your User account in order to prevent or report suspected fraud and illegal activities, in order to prevent harm to any persons or if believes in good faith that the law requires it. In some cases, the government can compel the disclosure of information about you, and will comply, in which case you authorize it to do so. You also consent to disclosing information about you in connection with disputes involving other Users, and to actual or potential parties to a lawsuit or action that is or may become involved in, (a) if is required to do so, (b) if reasonably believes that such disclosures will potentially mitigate its liability, or (c) for to enforce its rights. may disclose some personally identifiable information to vendors and third-party service providers in connection with communications and payments to Users and other aspects of operating and promoting’s Site and Advisory Services. For example, uses other companies to deliver promotions, newsletter, and transaction emails, and we share your email address with this company unless you opt-out of receiving’s promotions by unchecking the box on the My Preferences page which asks if you wish to receive such mailings.  We gather statistics around email opening and clicks using industry standard technologies to help us monitor and improve our newsletter and mailing campaigns.  For more information, please see these other company privacy notices.  Dyn’s Privacy Policy, Active Campaign Privacy Policy, and Campaigner Policy Statement.

4.2. may also exchange personally identifiable information among Entities worldwide. If you are registering on any sites controlled by Entities located in the European Union, your personally identifiable information must be disclosed to affiliates outside of the European Union in order to allow Users worldwide to contact and be contacted by you. Therefore, as a condition of your Usership you hereby agree and consent to the sharing of your personally identifiable information with and Entities worldwide.

  1. User Account Cancellation Procedures.

If you decide you would like to cancel your User account on, you will need to do one of the following:

Send us an email — including your User name and email address — by filling out a Customer Support Form asking us to cancel.


Send us mail to the following mailing address: Cancel
TL Holdings LLC
Suite 144
1409 Marlton Pike
Cherry Hill, NJ 08034

  1. Notification of Changes.

6.1. From time to time, We may revise this Agreement. We reserve the right to do so, and You specifically agree that We have this unilateral right. You agree that all modifications or changes to this Agreement are in force immediately upon posting. The updated or edited version supersedes any prior versions immediately upon posting, and the prior version is of no continuing legal effect unless the revised version specifically refers to the prior version and keeps the prior version or portions thereof in effect. To the extent any amendment of this Agreement is deemed ineffective or invalid by any court, the parties intend that the prior, effective version of this Agreement be considered valid and enforceable to the fullest extent.

6.2. If We change anything in this Agreement, We will change the “Last Modified Date” at the top of this Agreement. The Agreement is located at (  You agree to periodically re-visit this web page, and to use the “Refresh” button on Your browser when doing so. Upon each visit, You agree to note the date of the last revision to this Agreement. If the “Last Modified Date” remains unchanged from the last time You reviewed this Agreement, then You may presume that nothing in the Agreement has been changed since the last time You read it. If the “Last Modified Date” has changed, then You can be certain that something in the Agreement has been changed, and You agree that You will again review the Agreement in its entirety and that You will agree to its terms or immediately cease use of the Website. Your continued Use of the Website, after any such revision, shall be deemed to be Your acceptance of all revisions.

6.3. Waiver. If You fail to re-review this Agreement as required to determine if any of the terms have changed, You assume all responsibility for such omissions and You agree that such failure amounts to Your affirmative waiver of Your right to review the amended Agreement. We are not responsible for Your neglect of Your legal rights.

If you have any questions about this Privacy Policy, the practices of this Site or your dealings with, please contact us.


Mailing Address:
TL Holdings LLC
Suite 144
1409 Marlton Pike
Cherry Hill, NJ 08034