Privacy Policy
This Privacy Policy
describes the terms of our commitment to your privacy.
PERSONS OR PARTIES
COVERED This Privacy Policy is intended to cover all visitors
to this website, all subscribers to lists or newsletters
whether paid or unpaid, all members or affiliates whether paid
or unpaid, and all customers. Persons who visit or view
this website, whether intentionally or unintentionally,
whether solicited or unsolicited, are described herein as
"Visitors" and are parties to this Privacy Policy.
Subscribers to lists or Newsletters are referred to herein as
"Subscribers" and are parties to the Privacy Policy.
Persons who join an organization or marketing endeavor (e.g.
"affiliates") promoted by this website are called "Members"
herein and are covered by this Privacy Policy. Finally,
anyone who orders, attempts to order, or receives a product
sold (recipients) or advertised on or delivered from this
website, even at no cost, is called a "Customer" herein and is
subject to this Privacy Policy not only by passive acceptance,
but by virtue of the Purchase Agreement contract. The
website, its agents, owners, operators, and employees are
referred to collectively herein as "Website," "Site," and/or
"Seller".
PERSONS EXCLUDED FROM THIS WEBSITE ARE STILL
COVERED In the
event that a person excluded from this website because of the
Terms of Use or from denial of service by the website, who
nonetheless unlawfully views this site, that person remains
subject to the terms of this Privacy Policy and is in
violation of the Terms of Use.
PERSONS UNDER 18 YEARS OF AGE ARE EXCLUDED FROM
THIS WEBSITE This website is not lawfully accessible to persons
under the age of 18 or who are otherwise covered by the
provisions of the Child Online Privacy Act of 1998
(COPA). If you are under the age of 18 you must leave
this site immediately. Fraudulent use of this website
may make you subject to civil or criminal sanctions.
VIEWING AND/OR USE AND/OR COMMUNICATION IS
CONSTRUED AS ACCEPTANCE OF THE TERMS OF THIS POLICY
Acceptance of the terms
of this Privacy Policy is a portion of the consideration
required for your right to visit the website. If you do
not accept these terms, you have no right to visit this site
and you are fraudulently using this site.
A NOTE TO CALIFORNIA RESIDENTS (ONLINE PRIVACY
PROTECTION ACT OF 2003 --OPPA)
It is the intent
of the Privacy Policy to comply with the California Act.
Various provisions throughout this Privacy Policy address
requirements of the act. In summary, you must presume
that we collect electronic information from all
visitors. This is not usually personally
identifiable. If you purchase a product or service via
this website (and thereby become covered by the Act), the
purchase agreement allows the website to collect and archive
all the personal information you provide and to transmit
and/or transfer that personal information to third
parties. There is no way you can modify this information
and you have no right to do so. Under the terms of the
purchase agreement, you have no right to view or receive any
information about our database. In the event that the
website, under advice of counsel agrees to divulge
information, the requesting party must submit whatever
information is demanded by the website in insure that the
website is releasing information to the correct party.
Other provisions of the OPPA may exempt this website from
complying. While we take measures to ensure that outside
parties do not have access to any information we have about
you, we do not warranty that outside parties will not breach
our system and thus have access to your information.
(You should know that merchant service providers do not allow
us access to your credit card information.) This Privacy
Policy also is subject to change without notice. You are
required to read it prior to using the website. By
interacting with the website you agree to the terms and
conditions of the Privacy Policy. By using the website
or purchasing a product through this website, you waive the
right to use state or federal court systems to address
complaints and, instead, agree to use the American Arbitration
Association located in a city and county specified herein.
ABOUT THE PERSONAL INFORMATION THIS WEBSITE
COLLECTS AND HOW IT IS USED This website routinely collects
information about its visitors, subscribers, members, and
customers. This information is obtained in various ways,
such as:
VISITOR, SUBSCRIBER, MEMBER, OR CUSTOMER
INFORMATION OBTAINED FROM 'REGISTRATION' Registration means that the Visitor,
Subscriber, Member or Customer takes active, positive steps to
communicate information to this website. This can
include pages or 'pop ups' where you register for a newsletter
or subscribe to a mailing list; it can include your
participation in visitor surveys; it can include requesting
information from the website via email, mail, or courier; it
may be from joining an affiliate program or other membership
organization, paid or unpaid; it may be from ordering a
product.
ONLINE ORDERING Online ordering via SSL encrypted
communication provided by shopping cart services supporting
merchant service companies like Visa and Master Card provides
information to the website but does not provide complete
credit card numbers. In the process of online ordering,
the customer provides, name, address, city, state, email
address, phone number, and CVV2 (back of card) number.
You should consider all this information available to the
website. This information is used to deliver the
product, but under the Purchase Agreement you also approve its
use for general solicitation purposes.
VISITOR EMAIL INQUIRIES
Website visitors who wish
to communicate with the website do so under two
conditions: one, they give their permission for contact
by the website; two, they are subject to any ‘submission’
provisions of the Terms of Use, Purchase Agreement, or this
Privacy Policy. While your email address may or may not
be used to solicit you, it is added to the website's general
solicitation database.
CUSTOMER EMAIL OR TESTIMONIALS
If you are a customer and
send an email to the website, or if you communicate with the
site by phone or mail, the website collects information about
your communication and by communicating with the site you give
your permission to collect, archive, retrieve, and otherwise
use any information collected as the site sees fit.
Any
communication which, in its sole discretion, the site deems to
be a testimonial, may be publicized for commercial purposes.
INFORMATION OBTAINED FROM VISITOR INTERACTION
WITH BANNERS, POPUPS, OR SITE ADVERTISERS
Visitors clicking on
banners or pop-ups or hyperlinked advertising, appearing on
this website must assume that information is being collected
about them. This site is not responsible for the use of
information collected in such a fashion. Visitors must
assume that (1) information will be collected, (2) that
‘cookies’ will usually be placed on their hard drive, (3) that
website does not have any control over what happens with this
information, (4) that website takes no responsibility over the
accuracy or content of advertisers, (5) that website is not
responsible for downloads from third party advertisers that
contain viruses or worms or other computer code that causes
their computer or software harm, and (6) that website assumes
no responsibility for the data that is garnered from the click
itself or that the advertiser collects.
INFORMATION OBTAINED FROM REFERRING EMAIL OR
REFERRING URLS If you send a friend an email from this site or if you
send the url or one of our web pages to a friend, you must
assume that some data is collected about your IP address or
your email address and that of your friend. You must
assume that referred emails or web pages may appear to come
from your email. You must accept fully responsibility
for referring pages or email to a friend and agree to
indemnify this site for any damage, intentional or
unintentional that results from said referrals.
INFORMATION OBTAINED FROM VOLUNTARY VISITOR,
SUBSCRIBER, MEMBER OR CUSTOMER SURVEYS
Unless otherwise
specified in the survey, you must assume that any information
provided to the website as part of a survey in which you
participate may be used for general solicitation for
commercial purposes and that such information will be shared
with joint venture partners, affiliates, marketing
organization or used by the site itself for product design or
solicitation purposes.
INFORMATION OBTAINED FROM ELECTRONIC MEANS AND
'COOKIES' Many
websites, including this one, collect information about your
computer, your email address, your IP address. You must
assume that your web-viewing or web-use activity is monitored,
tracked, and information collected. This information is
not usually of a personal nature, but it may help define your
viewing habits and product preferences even though the website
may or may not have any idea who you are.
"Cookies" is web jargon for bits of computer code
placed on your hard drive. Websites use this to keep you
'logged in', to keep track of search criteria, to monitor use,
to password protect use of the site or use of products sold by
the site. Cookies can also be used to obtain information
about your computer configuration or your use of your
computer.
Cookies can be used to electronically gather
information about you. Again, it may or may not be
personal information, but it is information and by using this
site you are expressly giving permission to use 'cookies' and
to use the information gathered from their use to benefit
you. You also give permission to collect, archive,
retrieve, and use any information collected for product
design, product offers to you, and general commercial
solicitation purposes by this site or joint venture partners,
affiliates, and marketing organizations.
HOW INFORMATION MAY BE USED
The use of
information as described below may or may not be how
information that is collected is customarily used by this
site. While actual use of any information collected may
be used quite conservatively, you must assume that it is
not. You must assume that information collected is
shared with other persons or entities for commercial
purposes. While this is uncommon in practice, you must
assume that it is as you make your decision whether or not to
view or interact with this website. This type of shared
information may include your name, address, phone number,
email address and buying habits, as well as other
information. This information may be used for general
commercial solicitation by this website or other persons it is
sold to, rented to, or shared with.
INFORMATION THAT IS NOT SHARED
Credit card
information or other financial information is not usually
known to the website. However, in the event that it is
made known, that information is never revealed to anyone
except to processing authorities or law enforcement
agencies. However, the provider of such information
gives express permission to use it in fraud investigation or
for litigation.
BULLETIN BOARDS AND PUBLIC FORUMS
Visitors, subscribers,
members, or customers who use any site provided bulletin
boards or other public forums, such as chat rooms, do so at
their own risk. You may not assume that the site
monitors these services or protects you in any manner from
information you post publicly or share with anyone else via
these services.
SPAM By providing to this website information
that forms the basis of communication with you, such as an
email address, you waive all rights to file complaints
concerning unsolicited email or spam from this website since,
by providing such information, you agree to receive
communication from us or other marketing organizations.
However, all email communication with you shall contain an
'unsubscribe' link where you may notify the website that you
no longer wish to receive solicitations or information from
the website and your name will be removed from the general
solicitation database.
DATA SECURITY This website takes measures to protect its
data that contains information related to you. However,
as a consideration for viewing this site or interacting with
this site in any manner, you waive all claims of any nature
against this site concerning the loss, alteration, or misuse
of information. You must assume that it is possible for
your personal data to be obtained by others, such as
"hackers," and used in an inappropriate manner that may cause
you harm and that you agree that the site is not responsible
for damages to you.
REVISIONS
TO THIS PRIVACY POLICY WITHOUT NOTICE
This Privacy Policy is
dynamic. It will continually change. You may not
assume that it remains the same and you agree to check the
policy each time you visit the site for changes. Unless,
in the sole opinion of the website, this policy changes so
drastically as to suggest a posted notification on the site or
via email, you will receive no notification of changes to this
Privacy Policy nor, under any circumstances, does this site
promise notification. Your continued use of this site
always evidences your acceptance of the terms this Privacy
Policy or any modifications.
LATEST UPDATE This Privacy Policy was last updated on:
5/21/2009
DISPUTES As part of the consideration that the Website requires
of the Visitor to view, use, or interact with this site,
Visitor agrees to use binding arbitration for any claim,
dispute, or controversy ("CLAIM") of any kind (whether in
contract, tort or otherwise) arising out of or relating to
this purchase, this product, including solicitation issues,
privacy issues, and terms of use issues.
Arbitration shall be conducted pursuant to the rules of
the American Arbitration Association, which are in effect on
the date a dispute is submitted to the International Centre
for Dispute Resolution (ICDR).
In no
case shall the Visitor have the right to go to court or have a
jury trial. Visitor will not have the right to engage in
pre-trial discovery except as provided in the rules; you will
not have the right to participate as a representative or
member of any class of claimants pertaining to any claim
subject to arbitration; the arbitrator's decision will final
and binding with limited rights of appeal.
The
prevailing party shall be reimbursed by the other party for
any and all costs associated with the dispute arbitration,
including attorney fees, collection fees, investigation fees,
travel expenses.
JURISDICTION AND VENUE
If any matter concerning
this purchase shall be brought before a court of law, pre- or
post-arbitration, Visitor agrees to that the sole and proper
jurisdiction to be the state and city declared in the contact
information of the web owner. In the event that
litigation is in a federal court, the proper court shall be
the closest federal court to the Seller's address.
APPLICABLE LAW Visitor agrees
that the applicable law to be applied shall, in all cases, be
that of the state of the Website owner(s).
CONTACT INFORMATION If there are
any questions regarding these policies you may contact
using the information below.
PrivateLendersSecrets.com
c/o WealthClasses Inc
P.O.Box 41508
San Jose, CA 95160
USA
|