(1) We do not read your private online communications.   
LUMINARY ONLINE, LLC. honors the confidentiality of its members’ private communications in private chat rooms, e-mail (including downloads), and Instant Message™ conversations, as well as any profile data you may create, such as a stock portfolio. LUMINARY ONLINE, LLC. does not read or disclose private communications except to comply with valid legal process such as a search warrant, subpoena or court order, to protect the company’s rights and property, or during emergencies when we believe physical safety is at risk. Of course, what you write or post in public or member chat rooms and message boards is available not only to LUMINARY ONLINE, LLC., but to all members.  

(2) We do not use any information about where you personally go on LUMINARY ONLINE, LLC. or the Web, and we do not give it out to others.   
Our system automatically gathers information about the areas you visit on our service. We do not use any of this navigational data about where you -- as an individual member -- go on the service. Nor do we share any of this data with outside companies. We do use navigational information in the aggregate to understand how our members as a group use the service so that we can make LUMINARY ONLINE, LLC. better. We may also share this statistical information with our partners or other outside companies, but in doing so, we don’t disclose individual names or personal navigational information. We do not keep track of where you go on the World Wide Web. The Web sites you visit may have their own privacy policies or no policy at all. We encourage you to review the privacy policies of Web sites before providing them with any of your personal information. 

 
(3) We do not give out your telephone number, credit card information or screen names, unless you authorize us to do so. And we give you the opportunity to correct your personal contact and billing information at any time.  
When you join LUMINARY ONLINE, LLC., we ask you for your name, address, telephone number, and billing information—including the credit card, checking account, or debit card used to pay for your account—and the various screen names you want to use on your account. Here is how we protect that information: LUMINARY ONLINE, LLC. will not give out your telephone number or screen names (e-mail addresses), except where needed to deliver a product or service you ordered. We will not give out your credit or debit card number or checking account information unless you authorize it, for example, during an online purchase. We will not give out information that would link your screen names with your actual name. We make lists of members’ names and addresses available to pre-screened companies who have specific direct mail product and service offers we think may be of interest to you. We also sometimes combine these lists with publicly available information or segment them based on other information, such as when a member joined LUMINARY ONLINE, LLC. or a member’s computer system type. These lists are never based on a member’s online activities. We also collect and use other information for internal purposes. For example, we keep records in your account history of your complaints about other members’ online behavior, your contact with LUMINARY ONLINE, LLC. Member Services and any reported violations of our Terms of Service (TOS) that you or someone on your account may have committed. LUMINARY ONLINE, LLC. automatically queries your computer for information about your computer system such as the speed of your modem, error messages you may have received, or whether you use Macintosh™ or Windows™ software—to help us fit the service to your individual needs and to help us diagnose problems you may be having with your system. Finally, we sometimes use information about your geographical location to provide localized service. For example, we may use your zip code or the time zone you are in to make sure the weather information or TV listings you see are accurate for you. We have two exceptions to these policies: We will release specific information about your account only to comply with valid legal process such as a search warrant, subpoena or court order, or in special cases such as a physical threat to you or others. We provide you with the opportunity to update or correct your contact and billing information that we have on file. Just as you want to make sure that information LUMINARY ONLINE, LLC. has about you is accurate, we want to keep only the most up-to-date information about your account. Therefore, whenever you believe that your contact or billing information needs updating, you can go to Keyword: Billing and make the necessary changes.