Privacy Policy, Legal Disclaimer, Copyright Notices - Business Credit Workshop
(Last Updated: September 08, 2008)
Privacy Policy
Business Credit Workshop is serious about protecting your online privacy. This Privacy Statement explains our views and practices concerning privacy, and how they may pertain to you as a user of our website.
"You" or "Your" means you as a participant in or as a user of the Business Credit Workshop website. "We" or "Our" or "Us" means Business Credit Workshop. "Our site" means Business Credit Workshop.
All information transmitted, printed or otherwise submitted to Business Credit Workshop via this website shall be deemed to be the property of Business Credit Workshop and Business Credit Workshop shall be free to use such information for any lawful purpose as detailed herein.
This site contains links to other sites and we are not responsible for the privacy practices or the content of such sites.
We reserve the right to release such information to law enforcement or other governmental officials as we, in our sole and absolute discretion, deem necessary to comply with the law.
Section 1
Collected Information
We automatically collect and/or track the following:
1. Web page http headers (home server domain names, IP address, type of client computer, and type of Web browser);
2. information knowingly provided by you through on-line forms, registration forms, surveys, and/or other entries, such as email addresses, personal, financial or demographic information;
3. information, user specific or aggregate, on what pages our visitors access; and
4. E-mail addresses of visitors that communicate with Business Credit Workshop via e-mail.
Section 2
Use of Data Collected
We use your personal, demographic and profile data to enhance your experience at our site and to enable us to present content we think you might be interested in. We use your contact information to send you information about our company and promotional material from our partners. We may also use your personal, demographic and profile data to improve our site, for statistical analysis, for marketing and promotional purposes, and for editorial or feedback purposes for our advertisers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders placed online. By using this site, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do not call registry, in-house list or similar registry.
Section 3
Disclosure of Data to Third Parties
If you choose to provide personal information, it will be used for the following purposes:
1. considering you for a Business Credit Workshop product;
2. as required by law; and
3. for marketing products and services which we determine, in our sole judgment, that you might find of interest. We reserve the right to share, rent, sell, or otherwise disclose data we collect to third parties. Any third party we share, rent, sell, or otherwise disclose data to will be prescreened by us, determined by us to be reputable, and will use the personal data for marketing products and services which we determine, in our sole judgment, that you might find of interest.
Section 4
Your Opt-Out Rights
You may opt-out of receiving communications from us and/or our partners by not submitting your information. We also allow you to remove your information from our marketing lists. If you remove your information from our marketing lists it will no longer be used by us to send promotional correspondence to you. You can remove your information from our marketing lists by clicking on the "Unsubscribe" link at the bottom of every email we send you, or by sending your request, in writing, via email to: infoATBusinessCreditWorkshopDOTcom (Please replace "AT" with @ and "DOT" with .)
Section 5
We Do Not Intend to Collect Data from Children
The information and services provided to us or our affiliates, sponsors, and advertisers are not intended to be viewed by children (under 18 years old). No information collected from children is knowingly used for any marketing or promotional purposes whatsoever, either inside or outside Business Credit Workshop. No part of Business Credit Workshop’s web site is structured to attract anyone under the age of 18.
Section 6
Our Right to Contact You
We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or any other policies or agreements relevant to you.
Section 7
Our Right to Change
We reserve the right to change this policy at any time by notifying you of the existence and location of the new or revised privacy policy or by posting the changes online at our site.
Section 8
Our Contact Information
If you have any questions about this privacy statement, the practices of this site, or your dealings with this website, you can contact us via email sent to: infoATBusinessCreditWorkshopDOTcom (Please replace "AT" with @ and "DOT" with .)
Section 9
Anti Spam Policy. Can-Spam Act Compliance
Business Credit Workshop is dedicated to ensuring compliance with the 'Can-Spam Act', which took effect January 1, 2004. You may receive email from Business Credit Workshop in the following circumstances:
1. Acknowledging your application has been received and requesting additional action
2. Requests for additional information to support your current application
3. Response to your inquiries regarding the status of your transactional requests
4. Thanking you for your valued business
5. Advertisements for our products, services, changes in services, new product availability
6. Advertisements for third party products and services where we have determined that such product or service may be of interest to our customers
To ensure compliance with the Can-Spam Act, Business Credit Workshop has implemented the following guidelines for email delivery:
1. All emails sent to you by Business Credit Workshop will clearly identify Business Credit Workshop as the sender. FROM / SENDER: someone@Business Credit Workshop (NOTE: The actual sender will alter from department to department, but all from addresses will end with @Business Credit Workshop.
2. The Subject Line of any email you receive will always accurately describe the subject matter of the email.
3. Any email from Business Credit Workshop will include the ability to unsubscribe from future email messages.
4. Unsubscribing will ensure the customer is removed from ALL lists at Business Credit Workshop; this excludes customer service emails regarding the processing and status of a current product.
5. All emails sent to you directly by Business Credit Workshop include valid postal address information in the footer.
6. All third party marketing partners are required to comply with the Can-Spam Act.
7. Emails sent to you directly by Business Credit Workshop will include an email address and physical address where you can send suggestions, complaints or other correspondence.
Section 13
Information for ISPs
Web site: Business Credit Workshop
Email Address: infoATBusinessCreditWorkshopDOTcom
(Please replace "AT" with @ and "DOT" with .)
Business Credit Workshop understands consumers' concerns over the use of their personal information. We hope this information will relieve any concerns your company may have regarding our email policies. Business Credit Workshop and its affiliated sites use only an "opt-in or opt out" method of obtaining customer information, and it is not our policy or desire to send unsolicited email. We obtain email addresses and personal information from third parties that follow the same set of policies. Business Credit Workshop email messages sent always include information about the origin of the emails and instructions on how recipients can unsubscribe from receiving future email messages.
From time to time, Business Credit Workshop will enter into an arrangement with a third party website to allow individuals to opt into our marketing program on those third party websites. In each case the third party websites have represented and warranted to us, among other things,
1. that the data was collected voluntarily from individuals on website registrations and co-registrations,
2. that the sellers have a right, under any applicable privacy statements, to transfer the data to us, and
3. that Business Credit Workshop has the right to send marketing offers to the individuals.
We hope this information satisfies any questions or concerns you may have regarding the email practices of Business Credit Workshop. If you have additional questions or wish to discuss this matter further, please contact us at: infoATBusinessCreditWorkshopDOTcom (Please replace "AT" with @ and "DOT" with .)
Legal Disclaimer
Every effort has been made to comply with federal, state and local lending laws regarding the material presented or the legal forms included with the materials. Purchaser/user assumes full responsibility to adhere to regulations in their respective markets. Any and all laws applying from government agencies on credit building and lending law become the sole responsibility of the purchaser/user and we make no representations or guarantees that the materials or forms you purchase will work for your particular needs, and we disclaim any warranties, express, implied or for any particular purpose you may need. You understand that all materials and legal forms are provided for example only and that it is strongly advised that you seek legal counsel to review any form to make certain it is applicable to your situation and is properly filled out. It is also advised that you review the potential financial and tax implications of any transaction with a qualified professional before proceeding.
Copyright Notices
Business Credit Workshop copyright 2009. All Rights Reserved for personal use only to purchaser of this material. All material is copyrighted for exclusive use by Business Credit Workshop, BusinessCreditWorkshop.net, Joseph Lawrence as consulting and educational materials. No parts of this document in any way may be reproduced in any form. Anyone other than purchaser/viewer who is not authorized to use, photocopy, sell or distribute this material will be prosecuted to the full extent of the law.
All of our materials are protected under federal and state copyright laws. You may not make copies of any of the materials; including: website material, books, forms CDS, audio files, video files, e-books, legal forms, video or audio CDs. All materials you buy/view are licensed to End Users and not sold, notwithstanding use of the terms “sell,” “purchase,” “order,” or “buy” on the Site. Your license is nonexclusive, nontransferable, non-sub licensable, limited and for use only for you, the end user, and you only. That means you cannot sell trade, copy, and assign, lease or license your rights of these materials.