Privacy Policy/Terms/Disclaimer

Privacy Policy/ Terms of Use Agreement / Disclaimer

Golden Financial Services, LLC

www.GFSSpecialNeedsPlanning.com

Thank you for visiting GFSSpecialNeedsPlanning.com (“the Site”), which is owned by Golden Financial Services, LLC (“GFS”), its affiliate companies, successors and assigns, and for reviewing our Privacy Policy, Terms of Use Agreement and Disclaimer, effective July 1, 2010.

PRIVACY POLICY

We take your privacy very seriously and are committed to safeguarding your privacy online. We are aware of the threats to your security and privacy on the Internet and want to make sure your experience on our Site is enjoyable and safe. Please read the following policy to understand how your personal information will be treated as you make full use of our Site.

If you use the Site for any purpose, you must abide by this policy.  Your continued use of the Site after you read these policies means that you agree to them.  If you do not wish to agree to this policy, you should leave the Site, but we do hope that you will stay.

The primary purpose of collecting information from you is to provide you with a safe, smooth, effective, and personalized experience and to fulfill the transactions you undertake with us. We will only collect information about you that we consider necessary to achieve these purposes.

Generally, we collect information in two ways. Some information is gathered when you purchase a product or subscription to the Site. This includes your name, email address, address, and phone number. Where possible, we indicate which fields are required and which fields are optional. We also collect personal information when you report a problem with our services through the Site’s feedback form or contact email addresses. If you contact us, we may keep a record of that correspondence. 

Cookies are small files placed on your hard drive by an Internet server when you visit a website. Generally, these cookies help provide personalized services and promote trust and safety. All pages on the Site where you are prompted to login or that are customizable request that you accept cookies. Cookies are only read by the server that placed them and are unable to execute any code or virus.  We do not use cookies to track your browsing habits or collect any information about you. 

When you are using the Site and are asked for personal information, you are sharing that information with GFS and, if you arrived at the Site via an affiliate link or affiliate of GFS, then with that affiliate as well.  Please be advised that GFS affiliates, advertisers, and websites that have links on our Site may collect personally identifiable information about you.  This privacy statement does not cover affiliates, advertisers, or websites linked to us.

Generally, GFS will not disclose your personally identifiable information unless we have your permission or under the following certain circumstances:

Affiliates: If you have visited the Site through a link provided by an affiliate of GFS (“Affiliate”), we will share your personally identifiable information with the Affiliate responsible for your visit and the Affiliate may contact you.

Employees, Associates and Consultants: To help deliver GFS services and information, we may provide your personally identifiable information to our employees, associates and consultants. All of our employees, associates and consultants are subject to non-disclosure agreements with us. This prohibits their use of the information you provide us for any purpose except to facilitate the operation and activities of GFS, unless you agreed or gave your prior permission to them for additional uses.

Business Transaction: GFS reserves the right to transfer any and all information that we collect from visitors, or that we otherwise collect concerning or in connection with the Site, to a third party in the event of a sale or other transfer of assets or of any portion of our business. In the event GFS enters a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information may be among the assets transferred.

Other: We may disclose account information where we have reason to believe that disclosing the information is necessary to identify, contact, or bring legal action against someone who may be violating our Terms of Use Agreement or may be causing injury to or interference with (either intentionally or unintentionally) our rights or property, other Site users, or anyone else that could be harmed by such activities. GFS may disclose or access account information when we believe in good faith that the law requires it and for administrative and other purposes that we deem necessary to maintain, service, and improve our services.

You do not have to disclose personally identifiable information to view the Site. If you choose to purchase a product from us, you will need to disclose certain information as specified above. GFS will send you email upon a purchase from the Site.  GFS may also send you email regarding our products and services from time to time. You may opt out of receiving emails at any time by following the unsubscribe directions in the email message.

Recognizing the global nature of the Internet, you agree to comply with all applicable local laws and rules regarding online conduct and privacy, as well as content. Specifically, but not as a limitation, you agree to comply with all applicable laws regarding transmission of technical and personal data exported from the United States or the country in which you reside.

We do not tolerate spam. You are not licensed to add a GFS’s User, even a User who contacted you, to your mail (email or physical mail) list without their express, written consent.

No data transmission over the Internet can be guaranteed to be 100% secure. We cannot, therefore, warrant or ensure the security of any information you transmit to us or from our online products or services, and you do so at your own risk. Once we receive your transmission, we make our best effort to ensure its security on our systems.

Children under the age of 18 are not authorized to use the Site and we ask that children do not submit any personal information to us.

Please note that this Policy applies solely to our online information-gathering and dissemination practices in connection with the Site, and does not apply to any of our practices conducted offline.

TERMS OF USE AGREEMENT

This Agreement applies to persons who visit, purchase from, or otherwise use the Site (“Users”). If you do not agree to be bound by the terms and conditions of this Agreement, do not use or access the Site.

Our Site is available only to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our Site is not available to children (persons under the age of 18). The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to applicable law or regulation. By offering the Site, no distribution or solicitation is made by GFS to any person to use the Site in jurisdictions where the provision of such sites or services is prohibited by law. Competitors are not authorized to access or use our Site without express, written permission from us in advance of such access. If you do not qualify, please do not use our Site.

As a Site User you are obligated to read this Agreement and our Privacy Policy before you utilize our Site, purchase anything from us, or provide any information to us. You agree to read and be bound to the terms of this Agreement and those of our Privacy Policy and other policies we have now or may adopt in the future. You acknowledge and agree that the Site does not offer legal, professional, or specific financial advice. The Site is provided for informational purposes only.

You are prohibited from any use of the Site or their content that would constitute a violation of any applicable law, regulation, rule or ordinance of any nationality, state, or locality or of any international law or treaty, or that could give rise to any civil or criminal liability. Your information provided to us and your activities on the Site shall not: (a) be false, inaccurate or misleading; (b) be fraudulent; (c) infringe any third party’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; (d) violate any law, statute, ordinance or regulation; (e) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (f) contain any viruses, Trojan horses, or the like, or other computer programming routines that may damage or interfere with the Site; and (g) create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers. You may not copy, reproduce, modify, create derivative works from, distribute or publicly display any Site content without the prior express written permission of GFS. You may not consummate any transaction on the Site, or that was initiated using our Site, that could cause us to violate any applicable law, statute, ordinance or regulation.

Without limiting other remedies, we may limit your activity, issue a warning, temporarily suspend, indefinitely suspend or refuse to provide our services to you if, within our sole and independent judgment: (a) you breach, or we anticipate that you are about to breach, this Agreement or the documents it incorporates by reference; (b) we are unable to verify or authenticate any information you provide to us; or (c) we believe in our sole opinion that your actions may cause financial loss or legal liability for you, our Users or us. We can also terminate this Agreement at any time, with or without cause. If you violate or otherwise breach this Agreement, GFS will not issue any refunds of any amount to you.

Consultants who are self-employed, employed by third parties, or otherwise not subject to our direct oversight and control frequently provide the services of GFS. While we endeavor to insure that these consultants have the necessary background and experience to render sound advice, we do not guarantee such advice and are not liable for any damages that may result from the use or inability to use such advice. There may be links established between this Site and other sites on the World Wide Web and Internet that are not under the control of, or maintained by, GFS. Such links do not necessarily constitute an endorsement by GFS of those sites. GFS undertakes no obligation to monitor such sites, and you agree that GFS is not responsible for the content of such sites or any technical or other problems associated with any such third-party sites, links or usage.

The Site contains intellectual property that is protected by the laws of the United States as well as international law. You may not publish, re-transmit, distribute, or otherwise make unauthorized use of the material on the Site except as permitted under the applicable laws.

Please be advised that if you provide us with your email address, you have expressly granted us the right to contact you via email. You may opt out of receiving future emails by following the instructions at the bottom of each email message.

GFS grants a limited license to each participant to make personal use only of the Site in accordance with this Agreement. This license expressly excludes, without limitation, any reproduction, duplication, sale, resale or other commercial use of the Site, making any derivative of the Site, the collection and use of User e-mail addresses or other User information, or any data extraction or data mining whatsoever. You agree that you will not compile, reproduce, republish or resell for any commercial purpose any information on our Site and not use any device, software or routine that may interfere with the operation of the Site.

This is the entire Agreement governing the use of the Site. No delay by either party shall waive rights under this Agreement. This Agreement is governed by, and to be construed in accordance with, the laws of the State of Colorado, without regard to that state’s conflict of laws provisions. By using the Site you expressly agree that personal jurisdiction and venue are proper exclusively in the state and federal courts located in the State of Colorado. No waiver of any breach of this Agreement shall be a waiver of any other provision of this Agreement, and no waiver shall be valid unless in writing signed by the parties. If any provision of this Agreement is held invalid, such provision shall be restated to reflect, as nearly as possible, the original intention of SAM Corp in accordance with applicable law and the remainder of the Agreement shall remain in full force.

IN NO EVENT SHALL WE, OUR OFFICERS, DIRECTORS, AGENTS, EMPLOYEES, CONTRACTORS AND SUPPLIERS, BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES HOWEVER ARISING, INCLUDING NEGLIGENCE, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT AND/OR YOUR USE OF THE SITE. OUR LIABILITY TO YOU OR ANY THIRD PARTY IN ANY CIRCUMSTANCE IS LIMITED TO THE LESSER OF A) THE AMOUNT OF MONEY YOU PAY TO US IN ANY ONE YEAR OR B) $100. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT GFS’S TOTAL LIABILITY FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

DISCLAIMER

Data on this Site is from sources deemed reliable, but not guaranteed. Nothing published by GFS should be considered personalized investment advice. No communication by the Site to you should be deemed as personalized investment advice. Any investments recommended by the Site should be made only after consulting with your personal investment advisor and only after reviewing the prospectus or financial statements of the company. The publishers, editors, employees and agents are not responsible for errors and/or omissions.

GFS is not a broker-dealer, legal advisor, tax advisor, investment advisor, or accounting advisor and relying on GFS in such a capacity is not recommended.  Making investment decisions based on information published on the Site, or any site for that matter, is not recommended.  The Site does not guarantee to be free of errors, malicious code or computer viruses and is not responsible for any loss of data, financial loss, interruption in services, damages or loss from the use or inability to access the Site, any linked content, or the reliance on any information on the Site.