PRIVACY POLICY

OF

Fresh Leads Direct, and all related Websites.

Fresh Leads Direct is a division of Money Matters Enterprises, LLC.

Last updated March 30,2006

BY VISITING THIS WEBSITE AND REQUESTING INFORMATION, PRODUCTS OR SERVICES THERON, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEBSITES REFERRED TO IN THIS PRIVACY POLICY.

PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE.

This policy describes the information collection, use, and dissemination practices of Fresh Leads Direct, ("Fresh Leads Direct") and applies to Fresh Leads Direct's collection, use, storage and disclosure of information by Fresh Leads Direct on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Websites"), (b) on various Third Party websites, and (c) to Fresh Leads Direct 's other information collection, including the purchase of customer lists from Third Parties. Fresh Leads Direct is not responsible for the information collection or privacy practices of Third Party websites or applications.

CALIFORNIA RESIDENTS PRIVACY RIGHTS

Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: Fresh Leads Direct, 7500 W. Lake Mead Blvd., #9-463, Las Vegas, NV 89128. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov

THE INFORMATION COLLECTION, USE AND DISSEMINATION PRACTICES OF
Fresh Leads Direct.

1. Collection of Information.

1.1 Survey Information

Fresh Leads Direct collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by Third Parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Websites, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Fresh Leads Direct or a Third Party (a "Third Party") may ask an individual to provide various information to Fresh Leads Direct, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information"). Fresh Leads Direct may also collect information concerning an individual from another source and uses that information in combination with information provided from this web site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Fresh Leads Direct or Third Party, but an individual may receive incentives from Fresh Leads Direct or a Third Party in exchange for providing Survey Information to Fresh Leads Direct.

1.2 Site Membership or Registration

To the extent registration is required to receive email and possibly postal communications from Fresh Leads Direct or a Third Party Advertiser, this Privacy Policy also applies to consumers that have agreed to receive e-mail marketing from Fresh Leads Direct or a Third Party Advertiser, whether at our Website, via email, on Third Party websites or otherwise. We collect information in certain portions of our Website, where guests provide content submissions and suggestions or participate in interactive online activities (i.e., by way of responding to questions and surveys, community listings, ratings, searches and comparison searches, bidding, purchasing, chat, games, or bulletin boards, etc.). The personal profile information you submit to Fresh Leads Direct or Third Party Advertisers remains your property, but by submitting that information to Fresh Leads Direct or Third Party Advertisers, you grant Fresh Leads Direct and/or Third Party Advertisers, the right to use that information for marketing purposes. Fresh Leads Direct or Third Party Advertisers may also use such information for content improvement and feedback purposes. We may sell the personal information that you supply to us and we may join together with other businesses to bring selected retail opportunities to you. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation. In addition, Fresh Leads Direct reserves the right to release current or past information in the event Fresh Leads Direct believes that the information is being or has been used in violation of the Rules or to commit unlawful acts, if the information is subpoenaed, if Fresh Leads Direct is sold or acquired, or when Fresh Leads Direct deems it necessary or appropriate. By agreeing to these terms, you hereby consent to disclosure of any record or communication to any Third Party when Fresh Leads Direct in its sole discretion, determines the disclosure to be appropriate.

"Subscription" occurs when an end-user registers for Fresh Leads Direct's and/or Third Party Advertisers' services, either via registration at our website, via co-registration at a marketing partner's website, or via a permission pass / opt-out / no-opt mailing Fresh Leads Direct collects personally identifiable information about our subscribers, based on: information gathered at the time of registration, subscriber interaction and response to subsequent electronic mailings and website use, information provided by marketing partners, and information appended from data aggregators. Information collected may include, but is not necessarily limited to: name, email address, postal address, gender, birth date, telephone number, activity, interests, user behavior and other demographic information. This information enables us to better tailor our content to subscribers' needs and to help our clients to promote and sell their products and services.

1.3 Third Party List Information

Fresh Leads Direct collects information from individuals when an individual provides information to a Third Party and Fresh Leads Direct subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the "Seller"). Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "Third Party List Information"). When acquiring Third Party List Information, Fresh Leads Direct seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Fresh Leads Direct and that the Seller has a right to provide offers from Advertisers to the individuals whose personal information is included on the Seller's list.

1.4 Other Information.

Other occasions when Fresh Leads Direct obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Fresh Leads Direct or by a Third Party, (2) when an individual requests assistance through Fresh Leads Direct's customer service department, (3) when an individual voluntarily subscribes to a service or newsletter; (4) when private information is provided by means of a referral by a third party to Fresh Leads Direct or a Third Party Advertiser (together, "Other Information").

1.5 Cookies, Web Beacons, and Other Info Collected using Technology.

Fresh Leads Direct currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Fresh Leads Direct may use other new and evolving sources of information in the future (together, "Technology Information").

1. Cookies.

   A cookie is a small amount of data stored on the hard drive of the individual's computer that allows Fresh Leads Direct to identify the individual with his or her corresponding data that resides in Fresh Leads Direct's database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Websites need to accept cook