Frank Cirullo
Frank Cirullo teaches people how to have more money,more time, and less stress.
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Privacy Notice and Privacy Policy:

403(b) Plan School wants to provide its visitors an interactive and personalized experience. To do so, we may use personally identifiable information such as your name, e-mail address, street address, and telephone number subject to the terms of this privacy policy. We will never sell, barter, or rent your information to any third party. We may gather information from users and store the information depending on the page you are visiting, the activities in which you elect to participate and the services provided. For example, if you provide information when you subscribe for access to certain portions of 403(b) Plan School’s Web site or you request certain items such as an eBook, MP3, video, tips, lessons, or a newsletter or if you make a purchase.

You may provide information when you participate in asking questions.  403(b) Plan School collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your internet service provider or use cookies to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site’s features according to your preferences.

We collect information to enhance your visit and deliver more individualized content. We respect your privacy and do not share your information with anyone. Aggregated information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance 403(b) Plan School’s Web site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated information may occasionally be shared with our advertisers and business partners. Again, this information does not include any personally identifiable information about you or allow anyone to identify you individually. We may use personally identifiable information collected on 403(b) Plan School’s Web site to communicate with you about your registration and customization preferences; our terms of service and privacy policy; services and products offered by 403(b) Plan School and other topics we think you might find of interest. Personally identifiable information collected by 403(b) Plan School may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of 403(b) Plan School’s Web site(our Web hosting service for example) may access such information.

We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary.  Please note we may not provide you with notice prior to disclosure in such cases. If you voluntarily disclose personally identifiable information on blogs or in other areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of 403(b) Plan School and this policy.

Regarding children, 403(b) Plan School does not knowingly collect or solicit personally identifiable information from or about children under legal age except as permitted by law. If we discover we have received any information from a child in violation of this policy, we will delete that information immediately. If you believe 403(b) Plan School has any information from or about anyone under the legal age, please contact us at the address listed below. 403(b) Plan School reserves the right to change this policy at any time.

Please check this page periodically for changes.  Your continued use of 403(b) Plan School’s Web site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected. This policy and the use of this Web site is governed by California law. If a dispute arises under this policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: San Diego, California. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us. If it is not possible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: San Diego, California, under the rules of an appropriate arbitration association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. 403(b) Plan School is controlled, operated and administered entirely by its founder, Frank R. Cirullo.
 
This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.  You can reach us by contacting: Frank R. Cirullo, First Capital Management,16776 Bernardo Center Drive, Suite 203, San Diego, CA 92128. Telephone 1.858.487.1339. Email: fcirullo@403bplanschool.com January 1, 2009