Our Promise To You

This privacy statement discloses the privacy practices that we follow to protect your personal information and honor your rights as a consumer.

Our mission is to build users’ trust and confidence in our site by promoting the use of fair information practices. Because this web site wants to demonstrate its commitment to your privacy, it has agreed to disclose its information and privacy practices.


Information Collection and Use
We are the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. We collect information from our users at several different points on our website. At no time is any personal information ever released, exchanged or sold. Please note, when you incorporate a business, LLC or non-profit, paperwork is sent to the department of state. It has been brought to our attention that some state departments compile a list of new businesses and formations. As a result, your information becomes available as public record. There have been reports by some of our customers that they have received phone calls or mailings since incorporating. This type of solicitation is a result of the state department's list. Unfortunately, HUBCO has no control over the state departments or what they do with information sent to them. If you have concerns or questions, please contact your local state department directly.

Cookies
Cookies are pieces of information that are stored by your hard drive to remember your visit to a particular Web site. We use cookies to track orders received from our business affiliates. We never use cookies to store confidential information like phone numbers, addresses or credit card information. Most Web browsers automatically accept cookies. You can enable cookies by doing the following:

Netscape Navigator/Communicator - on your task bar menu, select "Edit" and "Preferences." Select "Advanced" and click "Accept All Cookies." Click "OK."

Internet Explorer - on your task bar menu, select "Tools" and "Internet Options." Select "Security" and "Custom Level." Scroll down to "Cookies" and click "Enable." Click "OK."

On a Macintosh:
Select Edit -> Preferences.
Scroll down until you see "Cookies" under Receiving Files. Make sure that "Never Ask" is selected.

Order
We request information from the user on our order forms. Here a user must provide contact information (like name and shipping address) and financial information (like credit card number, expiration date). This information is used only for billing purposes and to fill customer’s orders. If we have trouble processing an order, this contact information is used to get in touch with the customer.

Sharing
We will never share any of your personal information with any groups, companies or individuals. We do not sell your information for mailing list use or other unsolicited materials.

Links
This web site contains links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Security
This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and off-line.

When our registration/order form asks users to enter sensitive information (such as credit card number and/or social security number), that information is encrypted and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our order form, the lock icon on the bottom of Web browsers such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when you are just ‘surfing’.

While we use SSL encryption to protect sensitive information online, we also do everything in our power to protect user-information off-line. All of our users’ information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. Furthermore, ALL employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure environment.

Notification of Changes
If we decide to change our privacy policy, we will post those changes on our website so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an e-mail. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Inc-it-now Refund Policy

If an order is cancelled after payment has been taken by Inc-it-now but before a preliminary name check has been completed, Inc-it-now will refund the total order amount less a $25 processing fee. If the order is cancelled after the preliminary name check has been completed but before the formation documents have been created, Inc-it-now will refund the total order amount less a $50 processing fee. If the order is cancelled after the formation documents are created, Inc-it-now will refund the total amount of the order less a $75 processing fee provided that the formation document is not already filed with the state. Money paid to Inc-it-now that has already been paid to the state filing fees or to suppliers is not refundable.


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