We collect personally identifiable information from you when you apply for the services and payments. Anyone can browse some sections of our site without certain do require Registration. We do use your contact information to send you information. We use your personal information to resolve disputes, troubleshoot problems, help promote a safe service, collect fees owed, detect and protect us against error, fraud and other criminal activity, enforce our terms and conditions, and as otherwise described to you at the time of collection. A "cookie" is a small piece of information stored by a Web server on a Web browser so it can be later read back from that browser. Cookies are useful for enabling the browser to remember information specific to a given user. Dept Name places both permanent and temporary cookies in your computer's hard drive. The cookies do not contain any of your Personally Identifiable Information.