Privacy Policy & Terms


This Privacy Policy covers the collection and use of personal information that may be collected by PMA Consultants anytime you interact with this website, such as when you sign up for an e-newsletter or sign up to download materials.
When you provide PMA Consultants with your name, email address, mailing address or telephone number, and you do not “opt-out,” PMA Consultants may use the provided information to notify you of updates, news, and other PMA Consultants information. PMA Consultants does not offer, sell, or otherwise make available any user-provided information to third parties.

If you do not want PMA Consultants to contact you, you may “opt-out” at any time. We include detailed unsubscribe instructions at the bottom of each email or you may “opt-out” by sending an e-mail to

While PMA Consultants strives to protect the personal information you submit to us, no data transmission over the Internet is 100% secure. As such, PMA Consultants cannot guarantee or warrant the security of any information you transmit to us or from our products and you do so at your own risk.

We Do Not Disclose Any Information to Outside Parties

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect our or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Our Website and Cookies

This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies,” which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Children’s Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products, and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our website’s privacy policy.

Changes to Our Privacy Policy

If we decide to change our privacy policy, we will update the Privacy Policy modification date list here. This policy was last updated on April 19, 2012.

Contacting Us

If there are any questions regarding this privacy policy please contact PMA Consultants at

Terms of Use

The Terms of Use shall be applicable to all the users or browsers accessing this website. PMA Consultants grants you the right to access and download materials, including but not limited to publications, files, or press releases, from the site solely for your individual and non-commercial use on the condition that you retain the copyright and other proprietary notices attached to the original materials or any copies of the materials. Any use of the download for public distributions, commercial ends, or other purposes of any types on another website, networked computer environment, or plain media is prohibited. All editions of the materials on the site are copyrighted. Any unauthorized use of any materials, web-page layout and design may violate the copyright law, trademark law, or other relevant laws. With regard to any behavior of violating the provisions, PMA Consultants shall have right to take legal and fair remedies.

1. Disclaimer

With regard to the materials and information covered on the website, including but not limited to texts, images, points of view, reviews, web pages, or links, PMA Consultants gives no guarantee of the accuracy, completeness, sufficiency, and reliability of such materials and contents in spite of its attempts to provide accurate materials and information on the Site. Any materials downloaded or otherwise obtained through the use of the Site is done at your own discretion and risk and you are solely responsible for any infection of your computer system or loss of data that results from the download of any such materials or use of the Site. PMA Consultants disclaims any responsibility of mistakes or omission of the content on the Site and any explicit or implicit warranty for the materials and information, including but not limited to the guarantees related to ownership, non-infringement of a third party’s rights, quality, and having no computer virus. PMA Consultants may make changes to the contents of the website at any time without any notification, please visit the Site to access the up-to-date information.

2. Feedback

Any comments or materials sent to PMA Consultants, including without limitation feedback, such as questions, comments, suggestions, or any related information regarding this website or any other products, programs, or services of PMA Consultants (“Feedback”), shall be deemed to be non-confidential. PMA Consultants shall have no obligation of any kind with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works, and distribute the Feedback to others without limitation and shall be free to use any ideas, concepts, know-how, or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products, incorporating such Feedback.

3. Copyright Statement

All the materials, products, and services covered on the Site shall be protected by the Copyright Law. PMA Consultants owns all copyrights unless otherwise stated. Without prior written permission of PMA Consultants, any content on the Site shall not be copied, distributed, photocopied, played, linked, or transmitted with super-links or used for any other commercial purpose by any person in any means, unless otherwise downloaded or printed for non-commercial and individual use.

All logos, trademarks, page headers, images, splash screen, and graphics displayed on this Site are service marks, and/or trade dress of PMA Consultants. Except as explicitly permitted herein, any of the mark is not permitted to be circulated in any form or by any means by any individual or any entity.

4. General

PMA Consultants may revise these Terms at any time without further notification. Please visit this page from time to time to review the latest Terms. If any provision of the Terms is held invalid by any law, rule, order or regulation of any government, such invalidity shall not affect the enforceability of any other provisions of the Terms. By accessing this Site you agree to defend, indemnify and hold PMA Consultants, its affiliates and their officers, directors, agents, and employees harmless from and against any and all claims, losses, damages, liabilities, costs, and expenses, including attorney’s fees, arising from or related to your user content, use of the Site, or violation of any of the Terms.

5. Contact Information

If you have any questions regarding these Terms of Use or other questions please contact PMA Consultants at