We value the privacy and security of the information that you share with us through www.SchoolOfBusinessWisdom.com (hereon in known as the "SOBW Web Site"). It is important that you understand how we collect, use, and maintain your information. This Privacy Statement explains our online information practices, the choices you may make about how we collect and use your information at this SOBW Web Site, and the ways you may contact us.
We may change this Privacy Statement from time to time. Changes to this Privacy Statement are effective upon posting. Please check back periodically for updates. If at any point we decide to use Personal Information in a manner that is materially different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this new manner. The amount, type and use of information we collect, depends on how you use this SOBW Web Site. This Privacy Statement applies only to the practices of the SOBW Web Site Owner and its employees. The SOBW Web Site will not apply the provisions of this Privacy Statement to Business Contact Information or Aggregated Information.
"Personal Information" includes, your name, address information, personal e-mail address and URL, telephone number, account username and password, credit/debit card numbers and associated billing addresses and expiration dates, bank account numbers, as well as other similar information.
"Prospect Information" includes the same information as Personal Information except that Prospect Information is information that is submitted by an individual who is not the subject of the data submitted.
"Non-Identifying Personal Information" includes information about you, including, without limitation, your Internet service provider, browser type, domain name, the Web Site that referred you to us, the web pages you request, the date and time of those requests, and entry and exit points. "Business Contact Information" includes the name, title, business address, or telephone number of an employee in an organization. It also includes departmental e-mail addresses that contain no individually identifiable information. Business Contact Information is not Personal Information. "Aggregated Information" is any information about more than one individual where the individual identities are unknown and cannot be inferred from the information. Aggregated Information is not Personal Information.
Collection of Personal Information or Prospect Information
The SOBW Website may collect Personal Information from you, but only if you provide it to us voluntarily. We also collect Personal Information that you provide to our suppliers, which they pass on to us so that we can fulfil your order. You must provide Personal Information in the form of a unique identifier (username, password) to enter certain parts of our web site. In addition, in certain situations, such as when a purchaser buys a product as a gift and supplies the recipients' name and address, we collect Prospect Information.
Collection and Use of Non-Identifying Personal Information
The SOBW Web Site does not sell or promote products for purchase by children. We do not knowingly collect, maintain, or use Personal Information or Prospect Information from children under age 16. If you are under age 16, do not share personal information with us.
Use of Personal Information
We may use and disclose Personal Information or Prospect Information as described in this document. In addition to the uses described in this document, we may use Personal Information or Prospect Information for purposes that include maintaining the SOBW Web Site, order fulfilment and administration, and product surveys, administrative and analytical purposes like accounting, billing and audits, and information system management, and other similar uses. We may also use Personal Information or Prospect Information to provide current and potential customers and suppliers with information about our services.
We only collect, use, and disclose Personal Information or Prospect Information for purposes that are reasonable in the circumstances. We use only fair and lawful means to collect Personal Information or Prospect Information.
We reserve the right to use or disclose Aggregated Information and Business Contact Information in ways that we think are appropriate.
Periodically, we may send you information about our various products and services, or other products and services we feel may be of interest to you. Only the SOBW Web Site (or agents working on behalf of the SOBW Web Site and under confidentiality agreements) will send you these direct mailings. If you do not want to receive such mailings, simply tell us when you give us your personal information. Or, at any time you can easily opt-out of the SOBW Web Site marketing list or update your information by notifying us at info@SchoolOfBusinessWisdom.com.
We disclose Personal Information or Prospect Information to other companies and individuals to perform functions for us under confidentiality agreements. These types of agents include mailing and delivery companies, marketing service providers, database managers, customer service representatives, and other agents who perform functions for or on our behalf. These agents may perform functions such as analyzing data, supplying marketing assistance, providing search results and links (including paid listings and links), fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, processing credit card payments, and providing customer service. Where we disclose Personal Information or Prospect Information to organizations that perform services on our behalf, we will require those organizations to use such information solely for the purposes of providing services to us and to protect the Personal Information or Prospect Information with appropriate safeguards.
We make goods and services from suppliers available to customers for purchase by credit or debit card. We have confidentiality agreements with these suppliers. We share Personal Information or Prospect Information with suppliers to complete transactions, resolve customer comments or complaints, and for administrative and analytical purposes like accounting, billing and audits, and information system management, and other, similar uses.
As we continue to develop our business, we might buy or sell business units. In these transactions, Personal Information or Prospect Information is often transferred, but it remains subject to the promises made in any pre-existing Privacy Statement, unless an individual consents otherwise.
Protection of SOBW Web Site and Others
We may use or disclose Personal Information or Prospect Information without your consent in certain circumstances:
- If we are required by law or by an order or requirement of a court, administrative agency, or other government entity, or by court rules concerning the production of records;
- If we have reasonable grounds to believe that use or disclosure is necessary to protect the rights, privacy, property, or safety of our users or others;
- If we have reasonable grounds to believe that the information relates to breach of an agreement or violation of the law that has been, is being, or is about to be committed;
- If it is necessary for fraud protection, risk reduction, or the establishment or collection of funds owed to us;
- If the information is public;
For other reasons allowed or required by law.
When we are required or permitted to disclose information without consent, we will not disclose more information than is necessary to fulfil the disclosure purpose.
We will obtain your consent to the collection, use, and disclosure of that information as described in this Privacy Statement. If you do not consent to our collection, use, or disclosure of your Personal Information as described in this Privacy Statement, then do not share Personal Information with us. However, we are unable to offer some services, like processing purchases, without Personal Information. You may withdraw your consent at any time, subject to reasonable notice and legal or contractual obligations. To withdraw your consent, simply tell us of the Personal Information that you no longer wish us to collect, use, or disclose through the Contact Information listed below. However, we are unable to offer some services, like processing purchases, without Personal Information. There are limited situations in which applicable laws require or allow us to collect, use, or disclose Personal Information without your consent or after you withdraw your consent. We describe these situations under "SOBW Website and Others" in the section on Use of Personal Information or Prospect Information in this Privacy Statement.
Retention and Access
We will take reasonable steps to keep Personal Information or Prospect Information accurate, complete, current, and relevant to its intended use. We keep Personal Information or Prospect Information only as long as we need it for the reasons it was collected. When Personal Information or Prospect Information is no longer required for our purposes, we have procedures to destroy, delete, or erase it or to convert it to an anonymous form.
At your request, we will provide you with reasonable access to your Personal Information, so that you can review what we have stored and, if you choose, request corrections to it. You may request access by writing to us at the address listed in the Contact Information below. After you request access, we will provide the Personal Information that you request as soon as practically possible and generally no later than thirty days following the request. If you wish to correct your Personal Information, please send us a written explanation of the particular information that you believe should be corrected. Where information will not or cannot be disclosed, we will tell you the reasons for non-disclosure.
SOBW Web Site combines technical and physical safeguards with employee policies and procedures to protect your information. Our site or payment processor works to protect your information during transmission by using Secure Sockets Layer (SSL) software, which encrypts the information that you provide online at our Web Site. We will use commercially reasonable efforts to protect your information, continue to assess new technology for protecting information, and when appropriate, upgrade our information security systems.
Further, we permit only authorized SOBW Web Site employees and third parties to access any Personal Information or Prospect Information that you supply to us. If an employee misuses Personal Information or Prospect Information, we will take disciplinary action, up to and including termination of employment. If any third party individual or organization misuses Personal Information or Prospect Information, we will take action, up to and including termination of any agreement between SOBW Web Site and that individual or organization.
Links to Other Web Sites
When you click on a link on the SOBW Web Site that takes you to a web site operated by another company, you will be subject to that company's web site privacy policies.
Please direct any questions or concerns regarding the use or disclosure of Personal Information or Prospect Information to us by using the Contact Information given below. We will investigate and attempt to resolve complaints and disputes regarding use and disclosure of personal information in accordance with the principles contained in this Privacy Statement.
In the event of questions about access to your Personal Information or Prospect Information; our collection, use, management, or disclosure of Personal Information or Prospect Information; or this Privacy Statement, contact us at: info@SchoolOfBusinessWisdom.com.
The content of this web site is displayed in good faith and is designed to help readers. It is an information source and as such should only be treated as a guide. Although every effort has been made to ensure the accuracy, currency and reliability of information, users are responsible for making their own assessments of the information within the site and should seek appropriate professional advice before taking any action based on any information held on this site.
Unless stated otherwise, all information on this web site is supplied without any warranty, condition or other term as to the quality of any services or their suitability for any particular purpose. It should not be assumed that future results will equal past performance, SOBW Web Site makes no guarantee that you will have success.
If you wish to obtain services from the SOBW Web Site, you should not rely solely on the information in this web site but should make specific enquiry concerning the nature of the services and their suitability for the use to which they will be put. You should carefully consider whether this opportunity is appropriate for you in light of your experience, objectives, financial resources and other circumstances.
This web site and its information are provided for guidance and information purposes only. This web site, its content and its product offered is not intended to provide investment, tax, or legal advice.
SOBW Web Site cannot give any representations, assurances, undertakings or warranties about the accuracy, correctness or fitness for purpose regarding this site or any website to which it links directly or indirectly. Links to third party sites are provided for your convenience. SOBW Web Site makes no representation or warranty regarding the content of these sites, and no responsibility is taken for the consequences of viewing and relying on this content. Third Party sites should not be seen as being endorsed in any way by SOBW Web Site.
SOBW Web Site is not liable to you or anyone else for any loss of income, profit, business contracts or goodwill or any indirect or financial loss suffered whether arising in contract, negligence or otherwise arising in connection with use of this web site.
The contents of this website are the copyright of SOBW Web Site. You may make copies for your personal use only. You are not allowed to copy and distribute its content in any way without the express prior written consent of SOBW Web Site. Photos and Images used on this site remain the copyright of their respectful owners. Any use, distribution, display, or copying of this Web Site in violation of the terms and conditions set forth on this Web Site is expressly prohibited. Providing this information constitutes your permission for SOBW to contact you regarding related information via mail, e-mail, fax, and phone.
SOBW Web Site makes no warranties that the information on this web site is free of computer viruses or other contamination. Users are responsible for ensuring information from this web site or any linked web site is free of viruses or other contamination.
Return & Refund
We do not provide refunds; however, you are free to cancel your membership at any time by contacting us. Please provide your full name and account username/login and allow a minimum of 3 business days for your subscription to be cancelled. If you would like to cancel your subscription before the next monthly billing, you must contact us PRIOR to the charge being processed. We do not provide refunds unless there was an error on our part.