The Website is intended for users who are at least 18 years old. Persons under the age of 13 are not permitted to use or register for the Website.
2. ADDITIONS AND MODIFICATIONS TO THE TERMS
. INTELLECTUAL PROPERTY RIGHTS
This Website/Company is our proprietary property unless otherwise indicated. We have complete ownership and control of any source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (hereafter, “Content”) and the trademarks, service marks, and logos contained therein (hereafter, “Marks”). The Content and Marks are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions.
As a visitor and user of this Website, you are given a limited license and are not permitted to break the boundaries of that license.
Content belonging to the Company or included on the Website is not for resale. In the case you have permission to download something, such as a freebie, PDF, e-book, guide, etc., you are not allowed to sell it or transfer it to another person.
You will not delete or alter any content or other proprietary rights or notices. The Company and the Website do not grant you any licenses for ownership or proprietary rights.
4. THIRD-PARTY WEBSITES AND CONTENT
Our Website may contain links to other websites as well as articles, blog posts, photographs, quotations, software, and information in general.
You agree and understand that we do not endorse the products or services offered by Third-Party Websites. You indemnify us from any harm caused by your purchase and/or use of such products and services.
If you sustain any harm or losses due to your use or purchase of Third-Party Website products or services, you hold us harmless. We are not responsible for your actions or those of Third-Party Websites.
. CONTENT FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY
Any downloads, articles, and resources provided on the Website and through the Website are solely provided for educational and informational purposes only. Nothing provided on and through the Website should be construed as legal, medical, financial, tax, or any other professional advice. You can find detailed information on this inside the Disclaimer.
. MODIFICATIONS AND INTERRUPTIONS TO THE SITE
We reserve the right to change, modify, or remove the contents of the Site at any time for any reason at our discretion without needing permission from anyone and without notice. Furthermore, we have no obligation to update any information on our Site.
We will not be liable to You or any third party if we decide to modify, change, or remove part or all of the content from the Site, change prices, or suspend or discontinue the Site. We cannot guarantee that the Site will be available at all times. We may experience downtime, technical or software difficulties, or we may simply decide to discontinue for whatever reason.
You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use our Site.
. GOVERNING LAW
. BINDING ARBITRATION
If a dispute arises between You and Our Company and/or Website, and if You and Us are unable to resolve the Dispute through informal negotiations, then the Dispute will be finally and exclusively resolved by binding arbitration. Any arbitration will take place in Tennessee only. You further agree that you shall be responsible for all costs associated with initiating the arbitration and for the administration of the arbitration.
9. INTERNATIONAL USERS
10. NO JOINT VENTURE OR PARTNERSHIP
11. ENTIRETY OF THE AGREEMENT
12. CONTACT US
We welcome you to contact us if you have any questions, concerns, or comments regarding the terms in this agreement.
Any and all information provided by Carrie Lowrance (“we,” “us,” “our,” “my,” “me,” or “I”) on www.carrielowrance.com (“Site” or “Website”) is for general informational and educational purposes only.
We provided all the information and content on our Website in good faith. However, we do not make any warranties of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on our Site.
We are not liable to you at any time for any loss or damage you may have experienced or incurred as a result of the use of our Site or reliance on any information provided on our Site. Your access and use of our Site and reliance on any information on the Site is completely at your own risk.
Our Site cannot and does not contain any legal, medical, tax, financial, health, or any other professional advice. All of the information provided on our Site is for general informational and educational purposes ONLY. You should NOT take any information on our Site as a substitute for professional advice. Before taking action based on any such information, we encourage you to consult with the appropriate professionals.
Your access to, use of, and reliance on any information provided on our Site is solely at your own risk.
DISCLAIMER FOR EXTERNAL LINKS
From time to time, our Site may contain links to other external websites and third parties. Moreover, we may have ads and banners on our Website that contain external links in them to third-party websites, products, and companies. We do not check, control, validate, monitor, or investigate such links for accuracy, adequacy, validity, reliability, availability, or completeness. We do not warrant, endorse, guarantee, or assume responsibility for any information or product offered by third-party websites. If you choose to click on links and be taken to an external website belonging to a third party, then you and only you are responsible and liable for your actions should you suffer or incur any harm or loss.
WE MAKE NO GUARANTEES
You acknowledge and agree that our Company and Website have not made any guarantees about the results of taking any action. Regardless of whether a product or service is recommended, we absolutely do not make any guarantees as to the results. You understand and agree that what works for one person might not work for another person. Moreover, results are dependent on many different factors, and we cannot make any guarantees. Whether you will succeed or fail is ultimately dependent on your own efforts, your particular situation, and numerous other circumstances that are beyond our control.
Our Site may contain testimonials by actual users of our products and/or services. These testimonials reflect the actual user’s true and own opinions and experiences. We do not pay or manipulate these testimonials. They appear on our Website verbatim as given to us by the users, except for the correction of grammar or typing errors.
However, you agree and understand that the experiences are personal to those particular users, and these experiences may not be representative of everyone’s experience with that product and/or service. Your individual results may vary.
We welcome you to contact us if you have any questions, concerns, or comments regarding the terms in this agreement.
1. WHAT INFORMATION DO WE COLLECT?
Personal Information You Disclose to Us
During your visit and use of our Website and services, we collect certain data that you provide to us when you fill out opt-in forms, contact forms, and surveys, when you purchase products and/or services, and when you enter your information for giveaways and/or competitions.
The personal information that you provide to us can be your name, email address, location, and occupation. Moreover, if you are purchasing products, then you are also providing us with payment and address information. (However, your payment information is not stored in our system because purchases are processed through payment processors.) Therefore, should you have any questions about payment activities and/or information, contact the specific payment processor directly.
Outside of the European Union (“EU”)
If you are outside of the EU and enter your information to receive a freebie, make a purchase, respond to survey, register for a free training, or participate in a webinar, then we will automatically enroll you to receive our newsletter and updates.
If you do not wish to receive any communications from us, you can opt out by clicking on the unsubscribe link located at the bottom of the emails.
In the European Union
If you are in the EU and opt to receive a freebie or participate in a free training, register for a webinar or live event, or purchase a product, your email address will not be added to the email list to receive our newsletter and updates unless you affirmatively consent to it.
If you change your mind at any point and do not want to receive electronic communication, simply unsubscribe.
If you have trouble unsubscribing by clicking the link at the bottom of the email, simply email us at email@example.com and request to be unsubscribed from future emails.
Information Collected Through Third-Party Sources
During the time you visit and use our Site, certain limited data are collected from public databases, marketing partners, social media platforms, and analytics sources.
The types of data collected about you from other sources are your location, your computer system, which pages you have visited on our Site, how long you spend on each page, your IP address, your country, and possibly even your social media profiles and referrals.
2. CHILDREN’S PRIVACY AND DATA
This Website is not intended for children under the age of 13. We and this Website do not knowingly and intentionally collect any personally identifiable information from children under the age of 13. If you are under 13 years of age, please do not use or provide any information on this Website. Do not use any third parties that might have links present on this Website. Do not provide your name, address, phone number or any payment information.
If a parent or guardian believes that this Website unknowingly collected personally identifiable information from a child under the age of 13 in its database, please contact us at once at firstname.lastname@example.org, and we will do our best to immediately remove any and all such information from our database.
3. HOW DO WE USE THE INFORMATION WE COLLECT FROM YOU?
Information Collected from You
We use the information we collect from you to send you targeted marketing and promotional communications. If at any time you indicated an interest in a particular field related to our Site, then we and/or our third-party marketing partners may use this relevant information to send you additional communication regarding similar products/services.
If you do not want to receive any marketing and/or promotional communication, you can opt out at any time by UNSUBSCRIBING from either a particular list or topic or from all the emails coming from us by clicking on the unsubscribe button located at the bottom of every email you receive.
Information Collected from Third-Party Apps and Tools
Any information collected from third-party tools is used for statistical and analytical purposes and for evaluating and making improvements to our Site. This automatically-collected information will not include personal information data.
4. WILL WE SHARE YOUR INFORMATION WITH ANYONE?
We respect your privacy and the value of your information. We do not share, disclose, sell, lease or rent your information to anyone or any third party without your express consent.
Only under limited circumstances will necessary information be shared with third parties. Here are the situations in which we will share your information:
1. You gave us express consent to do so;
2. You entered into a contract for recurring payments—for this reason, your information will be processed on an as-needed basis to uphold the agreement;
3. Performance of a contract—if you are obligated to pay or perform an action, and you fail, we reserve the right to share necessary information with a third-party company, such as a collection agency or an attorney; and
4. Mandated by law—if legal proceedings are initiated, and there is a subpoena (unlikely, but better to be prepared than surprised).
5. EMAIL COMMUNICATIONS & POLICIES
If you decide to contact us through email, we reserve the right to retain the content of your email messages, your email address, and our responses.
Your privacy is important to us. Therefore, your email address will never be shared, sold, or leased to any third-party members.
In compliance with the CAN-SPAM Act, any and all communications sent from our Company or Website will clearly state who the email is from, who the email is for, and how to contact the sender.
Furthermore, should you wish to not receive any more emails, you can click on the “Unsubscribe” link located at the bottom of the email.
CCPA Privacy Act
California Consumer Privacy Act (CCPA) Policy
California Consumer Privacy Act (hereafter, “CCPA”) is a California privacy law that is effective as of January 1, 2020.
Under CCPA, California consumers have several added rights and privileges that serve to protect their personal information from being used in a way that the consumer does not agree with. This notice is in place to comply with the California Consumer Privacy Act (CCPA) of 2018 that went into effect as of January 1, 2020.
A consumer has the right to request and know what categories of information and what personal information we collect, how we collect it, and for what purpose we collect it.
CONSUMER’S RIGHT TO DEMAND DISCLOSURE
You have the right to demand that we disclose what categories of information we have or are collecting about you and what personal information we have collected or are collecting about you.
In an effort to maintain full compliance, we are disclosing the categories of information that we generally collect from and/or about consumers.
As a consumer, you are free to request disclosure of your information at no extra charge to you if you make such requests no more than twice (2) during a 12-month period.
General Information We Collect
We generally collect personal information, as listed under CCPA, in the form of first name, last name, email address.
We collect the consumer information stated above through opt-in forms and cookies.
You have the right to request disclosure of the personal information we collected about you by contacting us at email@example.com.
CONSUMER’S RIGHT TO REQUEST DELETION OF PERSONAL INFORMATION
Under CCPA, a consumer has the right to contact the business that collected personal information about the consumer and request deletion of that information.
There are certain limited circumstances under which the business does not have to comply and delete the information, as follows:
● To provide and complete the transaction for which the information was collected in the first place (for example, selling and delivering goods and services);
● To be in compliance with a legal obligation;
● To carry out and be compliant with another legal requirement; and
● To keep the information for internal use that is reasonable to the consumer.
CONSUMER’S RIGHT TO DEMAND DISCLOSURE IN CASE OF SALE
As a consumer, you have the right to request full disclosure if a business sells or transfers your personal information for a business purpose. You have the right to know what specific information has been sold or transferred, to whom, and for what business purpose.
We don’t sell personal information we collect from consumers.
However, in the event we do so within the next 12 months, you will be given the option to opt out if you do not wish for your personal information to be sold.
The consumer has the right to request that we disclose what category of information we sold, the specific pieces of information we sold, to whom we sold it, and for what business purpose we sold it. Consumers can make this request by contacting us at firstname.lastname@example.org
CONSUMER’S RIGHT TO REQUEST THAT A BUSINESS DOES NOT SELL THEIR INFORMATION
Under CCPA, a consumer has the right to request that a business that collected personal information about the consumer does not sell that information to anyone.
In our efforts to comply with the CCPA, you can find a “Do Not Sell My Personal Information” link in the footer of our website. If there is a field asking for your email address, please be sure to include the same email you opted in with.
If and when you select “Do Not Sell My Personal Information,” you will be marked as an opt out. Therefore, you can be sure that your personal information and other general data collected about you will never be sold.
OUR BUSINESS WILL NOT DISCRIMINATE AGAINST ANY CONSUMER
If you choose to exercise your right and request that we never sell your information, in accordance with CCPA, we will not and cannot discriminate against you for choosing to exercise your right.
You will have access to the same services at the same prices as everyone else. The quality and conditions of products and services you receive will be the same as everyone else, regardless of your choice to exercise your CCPA right to forbid the selling of your information.
SECURING YOUR PERSONAL INFORMATION
Under CCPA, a business that collects or receives personal information about a consumer must implement and maintain reasonable security procedures and practices.
If a business experiences a data breach, then it will be held liable if it did not implement and maintain reasonable security procedures and practices.
We do our due diligence and maintain reasonable security procedures and practices to make sure that the consumer data and private information we collect is safe and secure.
Here are the security practices we have in place to protect consumer data:
● All the systems containing consumer information (such as our email service provider) are password protected.
○ The passwords are considered strong and are not easy to figure out.
● Only 1 know the password.
● To make our Email Service Provider database even more secure, we change the password every 30 days.
● Our computers are protected from third-party access by having an additional password layer before a user can start working on the computer.
● In addition to the statements above, we take reasonable precautions on a daily basis to protect consumer information from unauthorized use, modification, destruction, and disclosure.
If you wish to exercise your rights under CCPA and make requests for disclosure or deletion of your personal information or disclosure about sale of information, you can contact us directly and make such requests. You can also contact us at any time if you are not happy about the way we are handling your data.
We will respond as quickly as reasonably possible. Please keep in mind that we do not have to comply with requests if you make them more than twice during a 12-month period.
Do Not Sell My Personal Information
Under the California Consumer Privacy Act (CPPA), you, as the consumer, have the right to request that we do not sell your personal information to any other business or third party.
We do not sell personal information to anyone. However, should we decide to do so in the next 12 months, you will be notified by us immediately and given the option to opt-out.
This page is where you will need to come to opt-out. However, you do not need to take any action until we notify you in the future that we plan to sell your information.
Please email us through our Contact form (email@example.com) with the subject line Do Not Sell My Personal Information and we will comply as soon as possible. Please use the original email address you used to sign up for my newsletter. If you’re not sure what you used, please contact me and I will let you know.
2255 Memorial Blvd
P.O. Box 11306
Murfreesboro, TN 37129
EFFECTIVE AS OF February 12, 2020