Privacy Policy and Disclosure


The website you were viewing and upon which you clicked the link titled, "Privacy Policy and Disclosure", is owned by Factor LLC; a New Jersey, USA company business entity.  For ease of reference and definition, the company name, its Internet presence and the website you are currently viewing may be referred to as, "our company", "our website", "this website". "our",  and "we".  This document is titled, "Privacy Policy and Disclosure"; however, we refer to it simply as "Privacy Policy" in the following paragraphs for sake of a shortened reference.


1) The privacy practices set forth in this privacy policy are for this website only. If you follow links to other websites not owned or controlled by our company or our website, please review the privacy policies posted at those websites; that is, each of the individual websites you follow to.

2) The title headings used in this document are for convenience of reference only and in no way define, limit or describe the scope or intent of this document or any particular paragraph hereof, nor the proper construction hereof.

3) The governing law shall be governed by, construed and enforced in accordance with the laws of the State of New Jersey.

Privacy Policy

This privacy policy tells you how we use personal information collected at this website and its Internet presence. Please read this privacy policy before using our website or submitting any personal information. By using this website, you are accepting the practices described in this Privacy Policy and Disclosure. We reserve the right to change this Privacy Policy and Disclosure at any time. You are encouraged to review the Policy and Disclosure whenever you visit this website to make sure that you understand how any personal information you provide will be used.


All material on this website is provided for general information purposes only and does not constitute medical, legal, financial, or other professional advice on any subject matter.

The material displayed on this website may not be accurate.

Affiliate Disclosure

Some of the links on this website are affiliate links, which means that the owner of this website or related party, may earn a commission if you click on the link or make a purchase at a third party website after using the link.

Order Form and Information Request forms

On a few of our websites, we provide Order Forms or other forms requesting information from its customers and users.  You, as a visitor to these websites are not required to fill in any form with any information.  However, if the website you are visiting requires an order form be filled in, in order for you to place an order, it is your decision to complete the entry of the form to provide us with the information needed to process your order.

Log Files

Like most standard websites, this website uses log files. These include: Internet Protocol addresses (IP addresses), browser type, Internet Service Provider (ISP), referring/exit pages, platform type, date/time stamp, and the number of clicks to analyze trends, administer the site, track user movement in the aggregate, and to gather broad demographic information for aggregate use. IP addresses, etc., are not linked to personally identifiable information


This website contains links (also known as hyperlinks) to other websites. Please be aware that we are not responsible for the privacy practices of other websites. We encourage you, when you leave this website, to read the privacy policy (or privacy statement) of each and every website you visit, as this particular privacy policy applies solely to this particular website.


We use outside advertising networks and companies in order to display ads on this site. These ads may contain cookies and/or web beacons in order to collect data in the ad serving process. These such cookies and/or web beacons are collected by the companies and/or advertising networks, themselves. We do not have any access to this information.

We may currently work with several advertising networks and companies, such as: Google Adsense. If you have any questions, please check their websites for their respective privacy policies.  For example, Google has it's own Privacy and Terms page ( you  may wish to visit.  All companies having Privacy and/or Terms policies usually reserve their rights to update and modify their policies at any time.  You should therefore review it's most current policies.

Third-Party & Sponsor Ads

Text and image ads that may appear on this site are third party or sponsor ads. Although we allow the ads to be placed and displayed on this website, we do not always endorse the products or services they offer.

Third Party Collection of Data

This site's web pages display some content and/or advertising which is directly served or delivered by third parties, such as and These advertisements are delivered through script code in this site's web pages source code, which cause your computer to request the advertising information from the third party's server. These third parties usually deliver a cookie to your computer, and log your request activity in their log files.

Third Party Web Site Destinations

This web site includes a multitude of web links (also known as hyperlinks) to other web sites operated by many other individuals, companies, and organizations. Almost all of those sites use cookies and log files to track your activity, and some may also utilize other strategies to track and monitor your use of their web sites. Some of the links to external web sites pass through intermediaries such as (also known as, and Commission Junction (, which also track your click, store a cookie, and transfer your request to another web server. These intermediaries (and their cookies) are later checked if you make a purchase at the third party destination website, and if so, the intermediary stores information about that transaction so that the third parties can account and pay us an advertising fee in exchange for directing customers to their websites. Some merchants share aggregate purchase information with us; for example, reports the specific items that were purchased by consumers that were referred from this website; we use this information when updating this website's content and advertising. However, these third-party merchants do not usually share any personal identifying information with us.  A few merchants such as do make personal identifiable information available to us, but  the information is limited and used primarily for the purpose of identifying a particular order.  This personal information is not used for contacting the buyer nor do we sell this information.

Web Cookies and Beacons

A cookie is a small text file that is stored on a user?s computer for record-keeping purposes. This site does not place or retrieve tracking cookies. However, as noted above, when some third-party advertisements are displayed at this site and when you click on external web links, persistent cookies are used by those third-party sites (and some aggregate data made possible by use of those persistent cookies is used by this owner of this web site.) You can configure your web browser to block any "third-party cookies," or to block all cookies (but by doing so, you will likely be unable to use certain features on other web sites). You can remove persistent cookies by using utility software or by following directions provided in your Internet browser?s ?help? file. Third-party web sites may also track and cross-match your cookie and "clickstream" data with other data you disclose to those third party web sites (for example, stores information about the pages you view and the products you buy, to suggest other related merchandise which may interest you).

Web cookies (also known as HTTP cookies, or just cookies) are parcels of text that are sent by a server to a Web browser, and then sent back unchanged by the browser each time it accesses that server. In other words, a cookie is a piece of data stored on a user?s computer that is tied to information about the user.

Web beacons are objects that are embedded in a webpage or email that are invisible to the user, but allow checking that a user has viewed the page or email. Other names are web bug, tracking bug, tag or page tag.

This website does use cookies. Additionally, some of our business partners may use cookies and web beacons as well. This site has no access to, or control of advertisers? web cookies or web beacons.

If you wish to disable cookies, you may do so through your individual browser options. Please check your browser?s help section for instructions on how to do this.

This website may be using  Google Analytics to help analyze how visitors use this site. Google Analytics uses "cookies", which are small text files placed on your computer, to collect standard internet log information and visitor behavior information in an anonymous form.

For more information on the Google Analytics security and privacy principles, please visit the following link to Google where they summarize the steps taken to help keep your data protected.

Dynamic Information Display

This website may be dynamically displaying information.  This website may be utilizing the services of a third-party organization to dynamically display the information (including images, text and hyperlinks) on the pages of this website.  Companies and other organizations that provide dynamic display information for this website may be collecting basic log information as well as appending a tracking code for our website account and its record keeping.

Legal Disclaimers
Distribution of Information

We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place.

We reserve the right to disclose any information in our "log files," as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our website.

We may also be bound by our agreement with our domain registrar and bound by our agreement with our website server hosting company to provide information to others whether it be under our control or under their control.

We follow generally accepted industry standards to protect the information submitted to us. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect any information gathered in our "log files," we cannot guarantee its absolute security.  We therefore do not guarantee, warranty, promise or make for certain that human or technological mistakes may happen, or that our website and its related logs and other information will not be "hacked", stolen, used or abused by third parties outside of our control or its intended use or purpose.

Change of Ownership

In the event that this website, or it's parent company, goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, the information collected by this website will likely be among the assets transferred.  It is also likely that this Privacy Statement and Disclosure would be modified and updated.

Changes in this Privacy Statement

If this site decides to change its privacy policy, those changes will be posted to this privacy statement and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently.

Contact Information

Should you have any questions or comments, please feel free to contact us by emailing to and please identify the website you are referring to.

This document was last revised and updated on 1/30/2017.