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Privacy Statement

J.C. Sbicca & Company, LLC., And ProgramCritique.com (JCS & PC)holds the privacy and security of our site visitors in the highest regard and this statement demonstrates our firm commitment to privacy. The following information explains what kind of information is gathered on our site and how that information is used. By visiting this website, you are accepting the practices described in this Privacy Notice. 

What This Privacy Policy Covers 

  • This policy covers how (JCS & PC) treats personal information that (JCS & PC) collects and receives, including information related to you’re past use of (JCS & PC) products and services. Personal information is information about you that is personally identifiable like your name, address, email address, IP address, or phone number, and that is not otherwise publicly available. 
  • This policy does not apply to the practices of companies that (JCS & PC) does not own or control, or to people that (JCS & PC) does not employ or manage. 

Information Collection and Use 


  • (JCS & PC) collects personal information when you either register with (JCS & PC) to receive a Free Book and CD or when you use (JCS & PC) products. (JCS & PC) may combine information about you that we have with information we obtain from business partners or other companies. 
  • When you register we ask for information such as your name, address, phone number, email address and zip code. Once you register with (JCS & PC) and sign in to our services, you are not anonymous to us. 
  • (JCS & PC) collects information about your transactions with us and with some of our business partners, including information about your use of financial products and services that we offer. 
  • (JCS & PC) automatically receives and records information on our server logs from your browser, including your IP address (JCS & PC) cookie information, and the page you request. 
  • (JCS & PC) uses information for the following general purposes: to fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients. 
  • We reserve the right to send you certain communications relating to (JCS & PC) services, such as service announcements, administrative messages, special offers and a (JCS & PC) Newsletter. 

Confidentiality and Security 

  • We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs. 
  • We have physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
  • This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We use the latest SSL encryption technology to keep all of your sensitive information safe. 


  • (JCS & PC) may set and access (JCS & PC) cookies on your computer. We use this information for Web Site and Systems Administration. 
  • Cookies are alphanumeric identifiers that we transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and to provide features and storage of items in your Shopping Cart between visits. 

Information Sharing and Disclosure 

  • Information You Give Us: We receive and store any information you enter on our Web site or give us in any other way. You can choose not to provide certain information, but then you might not be able to take advantage of many of our features. We use the information that you provide for such purposes as responding to your requests, customizing future shopping for you, improving our stores, and communicating with you. 
  • Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many Web sites, we use "cookies," and we obtain certain types of information when your Web browser accesses this site.  
  • Agents: We employ other companies and individuals to perform functions on our behalf. Examples include fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes. 
  • (JCS & PC) may share, rent or sell personal information about you with other people or nonaffiliated companies. We also provide information to trusted partners who work on behalf of or with (JCS & PC). These companies may use your personal information to help (JCS & PC) communicate with you about offers from (JCS & PC) and our marketing partners. We reserve the right to send you certain communications relating to (JCS & PC) services, such as service announcements, administrative messages, special offers and a (JCS & PC) Newsletter. 
  • We provide personal contact information about you with other people or nonaffiliated companies including but not limited to parties that may provide products or services you may not have requested. These companies may also use your personal information to help (JCS & PC) communicate with you about offers from (JCS & PC) and our marketing partners. 
  • We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. 
  • We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, violations of (JCS & PC)’s terms of use, or as otherwise required by law.  
  • We transfer information about you if (JCS & PC) is acquired by or merged with another company. In this event, (JCS & PC) will notify you before information about you is transferred and becomes subject to a different privacy policy. 

Changes to this Privacy Policy  

  • (JCS & PC) may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email you entered or by placing a prominent notice on our site. 

Contacting the Web Site
If you have any questions about this privacy statement, the practices of this site, or your dealings with this web site, you can contact:

C/O J.C. Sbicca & Company, LLC.
701 Palomar Airport Rd., Suite #300
Carlsbad, Ca. 92011

Phone: 760-931-4770
Fax: 760-476-0376

Email: info@ProgramCritique.com


Disclaimer: These reviews are for educational purposes only. The reviews given here are personal opinions, and other people might have different views on the products reviewed on this website. You should make any buying decisions based on your own judgment. No guarantees of income potential are given or implied; such income potential is dependent on your own skills and resources. We may receive commission or revenue from any service or product that is purchased through this site.


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