privacy policy

this website (the “site”) is owned and operated by mhd marketing, llc (“company,” “we” or “us”). by using the site, you agree to be bound by these terms of service and to use the site in accordance with these terms of service, our privacy policy and any additional terms and conditions that may apply to specific sections of the site or to products and services available through the site or from company. accessing the site, in any manner, whether automated or otherwise, constitutes use of the site and your agreement to be bound by these terms of service.

we reserve the right to change these terms of service or to impose new conditions on use of the site, from time to time, in which case we will post the revised terms of service on this website. by continuing to use the site after we post any such changes, you accept the terms of service, as modified.

personal and non-personal information

our privacy policy identifies how we treat your personal and non-personal information.

what is non-personal information and how is it collected and used?

non personal information is information that cannot identify you. if you visit this web site to read information, such as information about one of our services, we may collect certain non-personal information about you from your computer’s web browser. because non-personal information cannot identify you or be tied to you in any way, there are no restrictions on the ways that we can use or share non-personal information. what is personal information and how is it collected? personal information is information that identifies you as an individual, such as your name, mailing address, e-mail address, telephone number, and fax number. we may collect personal information from you in a variety of ways: • when you send us an application or other form • when you conduct a transaction with us, our affiliates, or others • when we collect information about in you in support of a transaction, such as credit card information • in some places on this web site you have the opportunity to send us personal information about yourself, to elect to receive particular information, to purchase access to one of our products or services, or to participate in an activity.

are cookies or other technologies used to collect personal information?

yes, we may use cookies and related technologies, such as web beacons, to collect information on our web site. a cookie is a text file that is placed on your hard disk by a web page server. cookies cannot be used to run programs or deliver viruses to your computer. cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. one of the primary purposes of cookies is to provide a convenience feature to save you time. the purpose of a cookie is to tell the web server that you have returned to a specific page. for example, if you register with us, a cookie helps to recall your specific information on subsequent visits. this simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. when you return to the website, the information you previously provided can be retrieved, so you can easily use the features that you customized. a web beacon is a small graphic image that allows the party that set the web beacon to monitor and collect certain information about the viewer of the web page, web-based document or e-mail message, such as the type of browser requesting the web beacon, the ip address of the computer that the web beacon is sent to and the time the web beacon was viewed. web beacons can be very small and invisible to the user, but, in general, any electronic image viewed as part of a web page or e-mail, including html based content, can act as a web beacon. we may use web beacons to count visitors to the web pages on the web site or to monitor how our users navigate the web site, and we may include web beacons in e-mail messages in order to count how many messages sent were actually opened, acted upon or forwarded.

third party vendors also may use cookies on our web site. for instance, we may contract with third parties who will use cookies on our web site to track and analyze anonymous usage and volume statistical information from our visitors and members. such information is shared externally only on an anonymous, aggregated basis. these third parties use persistent cookies to help us to improve the visitor experience, to manage our site content, and to track visitor behavior. we may also contract with a third party to send e-mail to our registered [users/members].

to help measure and improve the effectiveness of our e-mail communications, the third party sets cookies. all data collected by this third party on behalf of is used solely by or on behalf of and is shared externally only on an anonymous, aggregated basis. from time to time we may allow third parties to post advertisements on our web site, and those third-party advertisements may include a cookie or web beacon served by the third party. this privacy policy does not cover the use of information collected from you by third party ad servers. we do not control cookies in such third party ads, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad. we will not share your personal information with these companies, but these companies may use information about your visits to this and other web sites in order to provide advertisements on this site and other sites about goods and services that may be of interest to you, and they may share your personal information that you provide to them with others.

you have the ability to accept or decline cookies. most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. if you choose to decline cookies, you may not be able to fully experience the interactive features of the websites you visit.

how does use personal information? may keep and use personal information we collect from or about you to provide you with access to this web site or other products or services, to respond to your requests, to bill you for products/services you purchased, and to provide ongoing service and support, to contact you with information that might be of interest to you, including information about products and services of ours and of others, or ask for your opinion about our products or the products of others, for record keeping and analytical purposes and to research, develop and improve programs, products, services and content.

personal information collected online may be combined with information you provide to us through other sources we may also remove your personal identifiers (your name, email address, social security number, etc). in this case, you would no longer be identified as a single unique individual. once we have de-identified information, it is non-personal information and we may treat it like other non-personal information. finally, we may use your personal information to protect our rights or property, or to protect someone’s health, safety or welfare, and to comply with a law or regulation, court order or other legal process.

does share personal information with others?

we will not share your personal information collected from this web site with an unrelated third party without your permission, except as otherwise provided in this privacy policy. in the ordinary course of business, we may share some personal information with companies that we hire to perform services or functions on our behalf. in all cases in which we share your personal information with a third party for the purpose of providing a service to us, we will not authorize them to keep, disclose or use your information with others except for the purpose of providing the services we asked them to provide.

we will not sell, exchange or publish your personal information, except in conjunction with a corporate sale, merger, dissolution, or acquisition. for some sorts of transactions, in addition to our direct collection of information, our third party service vendors (such as credit card companies, clearinghouses and banks) who may provide such services as credit, insurance, and escrow services may collect personal information directly from you to assist you with your transaction. we do not control how these third parties use such information, but we do ask them to disclose how they use your personal information before they collect it.

if you submit a review for a third party (person or business) using our facebook fan review application, during the submission process we ask your permission to gather your basic information (such as name and email address) which we then share with the third party for whom you are submitting the review. we may be legally compelled to release your personal information in response to a court order, subpoena, search warrant, law or regulation.

we may cooperate with law enforcement authorities in investigating and prosecuting web site visitors who violate our rules or engage in behavior, which is harmful to other visitors (or illegal). we may disclose your personal information to third parties if we feel that the disclosure is necessary to protect our rights or property, protect someone’s health, safety or welfare, or to comply with a law or regulation, court order or other legal process. as discussed in the section on cookies and other technologies, from time to time we may allow a third party to serve advertisements on this web site.

if you share information with the advertiser, including by clicking on their ads, this privacy policy does not control the advertisers use of your personal information, and you should check the privacy policies of those advertisers and/or ad services to learn about their use of cookies and other technology before linking to an ad.

how is personal information used for communications?

we may contact you periodically by e-mail, mail or telephone to provide information regarding programs, products, services and content that may be of interest to you. in addition, some of the features on this web site allow you to communicate with us using an online form. if your communication requests a response from us, we may send you a response via e-mail. the e-mail response or confirmation may include your personal information. we cannot guarantee that our e-mails to you will be secure from unauthorized interception.

how is personal information secured?

we have implemented generally accepted standards of technology and operational security in order to protect personally-identifiable information from loss, misuse, alteration, or destruction. only authorized personnel and third party vendors have access to your personal information, and these employees and vendors are required to treat this information as confidential. despite these precautions, we cannot guarantee that unauthorized persons will not obtain access to your personal information.


this site contains links to other sites that provide information that we consider to be interesting. is not responsible for the privacy practices or the content of such web sites.

public discussions

this site may provide public discussions on various business valuation topics. please note that any information you post in these discussions will become public, so please do not post sensitive information in the public discussions. whenever you publicly disclose information online, that information could be collected and used by others. we are not responsible for any action or policies of any third parties who collect information that users disclose in any such forums on the web site. does not agree or disagree with anything posted on the discussion board. also remember that you must comply with our other published policies regarding postings on our public forums.

how can a user access, change, and/or delete personal information?

you may access, correct, update, and/or delete any personally-identifiable information that you submit to the web site. you may also unsubscribe from mailing lists or any registrations on the web site. to do so, please either follow instructions on the page of the web site on which you have provided such information or subscribed or registered or contact us at

children's privacy will not intentionally collect any personal information (such as a child’s name or email address) from children under the age of 13. if you think that we have collected personal information from a child under the age of 13, please contact us.


the digital millennium copyright act of 1998 (the “dmca”) provides recourse for copyright owners who believe that material appearing on the internet infringes their rights under the u.s. copyright law. if you believe in good faith that materials hosted by company infringe your copyright, you, or your agent may send to company a notice requesting that the material be removed or access to it be blocked. any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the dmca shall not be considered sufficient notice and shall not be deemed to confer upon company actual knowledge of facts or circumstances from which infringing material or acts are evident. if you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the dmca permits you to send to company a counter-notice. all notices and counter notices must meet the then current statutory requirements imposed by the dmca; see for details. company’s copyright agent for notice of claims of copyright infringement or counter notices can be reached as follows:

this agreement shall be binding upon and inure to the benefit of company and our respective assigns, successors, heirs, and legal representatives. neither this agreement nor any rights hereunder may be assigned without the prior written consent of company. notwithstanding the foregoing, all rights and obligations under this agreement may be freely assigned by company to any affiliated entity or any of its wholly owned subsidiaries

these terms of use shall be governed by and construed in accordance with the laws of puerto rico and any dispute shall be subject to binding arbitration in ­­­puerto rico. if any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

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