This is the blog site of Cot U Less Insurance operate by the owner Dr. L M Foong-PhD,  also as a webmaster of this site. He can be reached via his personal e-mail at support@lmfoong.com

Our Web server does not collect information regarding the individual visitors, client, or consumer in general who browse our web or Blog pages. Access to this site http://costulessinsurance.org is entirely anonymous.

This Web or Blog server does not collect credit card information. If you make any purchase a product on our site, you will be automatically linked to respective payment gateway such as Paypal.com; clickbank.net which handles the collection, verification, and settlement of all payment transactions on a secure server with a Verisign certification. Our site is notified only that the credit card transaction was successfully completed. At no time is the credit card information provided to our Web site.

If you purchase a product or a service on our Web or Blog site, we collect name, address, and email address which are used to ship the product and provide support. This information is never sold and never provided to other organizations for any purpose.

If you sign up to receive our newsletter, we collect name and email address. This information is never sold and never provided to other organizations for any purpose.

If you arrived at our site by linking from one of our Referral Partners, the partner is identified by a cookie. We also use cookies to record session information, such as browser type. This does not include any personal information that would identify you as an individual. The information we collect is used for internal review and is then discarded, not shared with other organizations for commercial purposes.

Upon request we provide site visitors with our assurance that no unique identifier information (e.g., customer number or password) is maintained about them. Consumers can request this assurance by e-mail to us at the above address.

Our Web server is housed in a secure facility. Appropriate security measures are in place to protect against the loss, misuse or alteration of information that we have collected at our site.

If you feel that this site is not following its stated information policy, you may contact us at the email support@lmfoong.com