PRIVACY POLICY

OVERVIEW

This Privacy Policy describes the terms of our commitment to your privacy. It is intended to cover all visitors to this website, all subscribers to lists or newsletters, and all customers.

We respect your privacy. The personal information obtained is for use in processing your credit card purchases, which is done with secure encryption. That information is never revealed, resold, or made public for any reason. You should also be aware that merchant service providers do not allow us access to your credit card information.

We are strongly committed to safeguarding consumer privacy on our website. Personally identifiable information provided by customers, subscribers, and/or website visitors (such as name, e-mail or home address, etc.) is never disclosed to anyone.

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, 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.

NOTE TO CALIFORNIA RESIDENTS: (ONLINE PRIVACY PROTECTION ACT OF 2003)
It is the intent of this 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 to 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.)

ABOUT PERSONAL INFORMATION THIS WEBSITE COLLECTS AND HOW IT IS USED
This website routinely collects information about its visitors, subscribers, and customers. This information is obtained in various ways, such as:

INFORMATION OBTAINED FROM 'REGISTRATION'
Registration means that the visitor, subscriber, or customer takes active, positive steps to communicate information to this website. This can include pages 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 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 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 REFERRING EMAIL OR REFERRING URLS
If you send a friend an email from this site or if you send the URL of 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 full 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.

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. 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 subject to change without notice. You are required to read it prior to using the website. You may not assume that it remains the same and you agree to check the policy each time you visit the site for changes. By interacting with the website you agree to the terms and conditions of the Privacy Policy. Your continued use of this site always evidences your acceptance of the terms of this Privacy Policy or any modifications.

LATEST UPDATE
This Privacy Policy was last updated on: November 10, 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 a purchase or 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 Center 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 be 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, and/or 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 that the sole and proper jurisdiction shall 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 us using the information below.

BY MAIL:
Dr. Ronald Frederick
Center for Courageous Living
3100 West Lake Street, Suite 315
Minneapolis, MN 55416
USA

BY EMAIL:

BY TELEPHONE:
1-612-926-8149