We, Difference Financial & Insurance Services, Inc., know that protecting your private information is our priority. This Statement of Privacy applies to thewww.differencedream.com and Difference Financial & Insurance Services, Inc. and governs data collection and usage. For the purposes of this Privacy Policy, unless otherwise noted, all references to Difference Financial & Insurance Services, Inc. include www.differencedream.com. By using the Difference Financial & Insurance Services, Inc. website, you consent to the data practices described in this statement.

Collection of your Personal Information
Difference Financial & Insurance Services, Inc. may collect personally identifiable information such as your name. If you purchase Difference Financial & Insurance Services, Inc.’ products and services, we collect billing and credit card information. This information is used to complete the purchase transaction. Difference Financial & Insurance Services, Inc. may also collect anonymous demographic information, which is not unique to you, such as your age, gender, household income, political affiliation, race and religion. We may gather additional personal or non-personal information in the future.

Information about your computer hardware and software may be automatically collected by Difference Financial & Insurance Services, Inc.. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Difference Financial & Insurance Services, Inc. website.

Difference Financial & Insurance Services, Inc. encourages you to review the privacy statements of the websites you choose to link to from Difference Financial & Insurance Services, Inc. is not responsible for the privacy statements of other content on websites outside of the Difference Financial & Insurance Services, Inc. website.

Use of your Personal Information
Difference Financial & Insurance Services, Inc. collects and uses your personal information to operate its website(s) and deliver the services you have requested.

Difference Financial & Insurance Services, Inc. may also use your personally identifiable information to inform you of other products or services from Difference Financial & Insurance Services, Inc. and its affiliates, Difference Financial & Insurance Services, Inc. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Difference Financial & Insurance Services, Inc. does not sell, rent, lease its customer lists to third parties.

Difference Financial & Insurance Services, Inc. may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services Difference Financial & Insurance Services, Inc., and they are required to maintain confidentiality of your information.

Difference Financial & Insurance Services, Inc. may keep track of the websites and pages our users visit within Difference Financial & Insurance Services, Inc., in order to determine what Difference Financial & Insurance Services, Inc. services are the most popular. This data is used to deliver customized content and advertising within Difference Financial & Insurance Services, Inc. to customers whose behavior indicates that they are interested in particular subject area.

Difference Financial & Insurance Services, Inc. will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conformed to the edicts of the law or comply with legal process served on Difference Financial & Insurance Services, Inc. or the site; (b) protect and defend the rights or property of Difference Financial & Insurance Services, Inc.; and (c) act under exigent circumstances to protect the personal safety of users of Difference Financial & Insurance Services, Inc., or the public.

Use of Cookies
The Difference Financial & Insurance Services, Inc. website may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or to deliver viruses to your computer. Cookies are uniquely assigned to you, and only be read by a web server in the domain that used the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Difference Financial & Insurance Services, Inc. pages, or register with Difference Financial & Insurance Services, Inc. site or services, or cookie helps Difference Financial & Insurance Services, Inc. to recall your specific information on subsequent visits, this simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Difference Financial & Insurance Services, Inc. website, the information you previously provided can be retrieved, so you can easily use the Difference Financial & Insurance Services, Inc. features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Difference Financial & Insurance Services, Inc. services or websites you visit.

Children Under Thirteen
Difference Financial & Insurance Services, Inc. does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Opt-Out & Unsubscribe
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Difference Financial & Insurance Services, Inc. by contacting us here:

Website: www.differencedream.com

Changes to this Statement
Difference Financial & Insurance Services, Inc. will occasionally update this Statement of Privacy to reflect company and customer feedback. Difference Financial & Insurance Services, Inc. encourages you to periodically review this Statement to be informed of how Difference Financial & Insurance Services, Inc. is protecting your information.

Contact Information
Difference Financial & Insurance Services, Inc. welcomes your questions or comments regarding this Statement of Privacy. If you believe that Difference Financial & Insurance Services, Inc. has not adhered to this Statement, please contact Difference Financial & Insurance Services, Inc. at:

Difference Financial & Insurance Services, Inc.

Website: www.differencedream.com
Phone: 310-787-8920
Email: SocialDFIS@DifferenceDream.com

Effective as of September 05, 2014