We have created this privacy policy in order to demonstrate our commitment to providing full disclosure as to how we provide services and value to you and how we may utilize the information that you furnished to us or that we obtain from you through modern technology.  Your participation through our web site in any of the services or products that are unavailable through our web site shall be deemed to constitute your understanding and acceptance of this privacy policy.  We may modify the terms of this privacy policy from time to time, so you should review it frequentl