Torchlake.com Privacy Statement
This document was last updated May 21st. 2009

COLI Inc. is committed to protecting your privacy. You can visit most pages on our site without giving us any information about yourself. But sometimes we do need information to provide services that you request, and this privacy statement explains data collection and use in those situations. This privacy statement only applies to Torchlake.com; it does not apply to other online or offline COLI Inc. sites, products or services. Please read the complete Torchlake.com privacy statement.


Collection of your Personal Information
We will ask you when we need information that personally identifies you (personal information) or allows us to contact you. Generally, this information is requested when you are registering before entering a contest, ordering e-mail newsletters, joining a limited-access premium site, or signing up for an event or training. Personal information collected by Torchlake.com often is limited to e-mail address or location, but may include other information when needed to provide a service you requested.

For example: If you choose a service or transaction that requires payment, such as making a purchase in the Shop area of the Web site, we will request personal information necessary for billing and/or shipping, such as: name, address, telephone number, and credit card number.

Torchlake.com also collects certain information about your computer hardware and software. This information may include: your IP address, browser type, operating system, domain name, access times and referring Web site 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 Torchlake.com.

Torchlake.com also collects information about which pages our customers visit within Torchlake.com. This site visitation data is identified only by a unique ID number, and it is never linked with personal information unless a user consents as described below.

Use of your Personal Information

• To ensure our site is relevant to your needs.
• To deliver services, such as newsletters, events, training or software, that you request or purchase.
• To help us create and publish content most relevant to you.
• To alert you to special offers, updated information and other new services from COLI Inc.
• To allow you access to limited-entry areas of our site as appropriate.

We will merge site-visitation data with anonymous demographic information for research purposes, and we may use this information in aggregate to provide more relevant content. In some limited-entry sections of Torchlake.com, with your approval, we will combine site-visitation data with your personal information in order to provide you with personalized content. If you decline permission, we will not provide you the personalized service and won't merge your personal information with site-visitation data.

COLI Inc. may disclose your personal information if required to do so by law or in the good-faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on COLI Inc. or the site; (b) protect and defend the rights or property of COLI Inc. and its family of Web sites, or (c) act in urgent circumstances to protect the personal safety of COLI Inc. employees, users of COLI Inc. products or services, or members of the public.

Control of your Personal Information
When you register, or otherwise give us personal information, Torchlake.com will not share that information with third parties without your permission. It will only be used for the purposes stated above.

Torchlake.com may send out periodic e-mails informing you of technical service or security issues related to a product or service you requested, or confirming you requested a product or service. You will not be able to choose to unsubscribe to these mailings, as they are considered an essential part of the service you have chosen.

Security of your Personal Information
Torchlake.com is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure. For example, we store the personal information you provide in computer servers with limited access that are located in controlled facilities. When we transmit sensitive information (such as a credit card number) over the internet, we protect it through the use of encryption, such as the Secure Socket Layer (SSL) protocol.


Protection of Children's Personal Information
Torchlake.com is a general audience site and does not knowingly collect any personal information from children.


Use of Cookies
When someone visits the site, a cookie is placed on the customer's machine (if the customer accepts cookies) or is read if the customer has visited the site previously. One use of cookies is to assist in the collection of the site visitation statistics described above.

We also use cookies to collect information on which newsletter links are clicked by customers. This information is used to ensure we are sending information customers want to read. It is collected in aggregate form and never linked with your personal information.

Web beacons, also known as clear gif technology, or action tags, may be used to assist in delivering the cookie on our site. This technology tells us how many visitors clicked on key elements (such as links or graphics) on a Torchlake.com Web page. We do not use this technology to access your personally identifiable information on Torchlake.com; it is a tool we use to compile aggregated statistics about Torchlake.com Web site usage.

If you choose to not have your browser accept cookies from the Torchlake.com Web site, you will be able to view the text on the screens, however you will not experience a personalized visit nor will you be able to subscribe to the service offerings on the site.

Questions about cookies? Read more.

Enforcement of this Privacy Statement
If you have questions regarding this statement, you should first contact Torchlake.com by e-mail. If you do not receive acknowledgement of your inquiry or your inquiry has not been satisfactorily addressed

Changes to this Statement
Torchlake.com will occasionally update this privacy statement. When we do, we will also revise the "last updated" date at the top of the privacy statement. For material changes to this statement, Torchlake.com will notify you by placing prominent notice on the Web site.


Contact Information
COLI Inc. welcomes your comments regarding this privacy statement, please contact us by e-mail, or postal mail.