323-776-1900
Terms of Service & Privacy Policy
Terms of Service (LAST UPDATED SEPTEMBER 14, 2022)
These TOS (“TOS”) govern your use of this Website. By accessing this Website, you are acknowledging and accepting these TOS. These TOS are subject to change by WORKSHOPS FOR RETIREMENT INC. (“WFR”) at any time and at our discretion without notice. Your use of this Website after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the TOS each time you use this Website. The date of the latest update or revision of these TOS will be posted at the top of this Website located at:
https://www.workshopsforretirement.com and any of its related pages (“Website”).
It is your responsibility to review these TOS upon each update. Your continued use of this Website is deemed to be assent to and acceptance of the updated TOS. If you do not agree to the updated TOS as posted you should cease your use of this Website immediately.
https://www.workshopsforretirement.com and any of its related pages (“Website”).
It is your responsibility to review these TOS upon each update. Your continued use of this Website is deemed to be assent to and acceptance of the updated TOS. If you do not agree to the updated TOS as posted you should cease your use of this Website immediately.
INTELLECTUAL PROPERTY
You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WFR, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of WFR. For information on requesting such permission, please contact us at info@workshopsforretirement.com
You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WFR, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.
As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of WFR. For information on requesting such permission, please contact us at info@workshopsforretirement.com
THIRD PARTY REFERENCES / HYPERLINKS
This site may link you to other sites on the internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of WFR, and you acknowledge that WFR is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.
This site may link you to other sites on the internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of WFR, and you acknowledge that WFR is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.
YOUR CONDUCT AND COPYRIGHT INFRINGMENT
We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access thereto) from the Website by submitting written notification to our Copyright Agent. In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512)(“DMCA”), the written notice (“DMCA Notice”) must include substantially the following:
1. Your physical or electronic signature.
2. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
3. Identification of the material you believe to be infringing, in a sufficiently precise manner to allow us to locate that material.
4. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
5. A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
6. A statement that the information in the written notice is accurate.
7. A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Our designated Copyright Agent to receive DMCA Notices can be contacted as follows:
info@workshopsforretirement.com
Place “Copyright Agent” in the subject line of your email.
We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access thereto) from the Website by submitting written notification to our Copyright Agent. In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512)(“DMCA”), the written notice (“DMCA Notice”) must include substantially the following:
1. Your physical or electronic signature.
2. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works.
3. Identification of the material you believe to be infringing, in a sufficiently precise manner to allow us to locate that material.
4. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
5. A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
6. A statement that the information in the written notice is accurate.
7. A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
Our designated Copyright Agent to receive DMCA Notices can be contacted as follows:
info@workshopsforretirement.com
Place “Copyright Agent” in the subject line of your email.
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be reviewed or received, and no resulting action may be taken.
Please be aware that if you knowingly misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and legal fees).
COUNTER-NOTIFICATION PROCEDURES. If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (“Counter-Notice”) by submitting written notification to our Copyright Agent (identified above). The Counter-Notice must include substantially the following:
1. Your physical or electronic signature.
2. An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.
3. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
4. A statement under penalty of perjury by you that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.
5. A statement that you will consent to local Federal District Court jurisdiction, or if overseas, to an appropriate judicial body.
The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
Please be aware that if you knowingly misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and legal fees).
COUNTER-NOTIFICATION PROCEDURES. If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (“Counter-Notice”) by submitting written notification to our Copyright Agent (identified above). The Counter-Notice must include substantially the following:
1. Your physical or electronic signature.
2. An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled.
3. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
4. A statement under penalty of perjury by you that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.
5. A statement that you will consent to local Federal District Court jurisdiction, or if overseas, to an appropriate judicial body.
The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
CUSTOMER DISCLAIMERS
WFR is not acting as a financial or legal advisor and makes no guarantee that you will achieve any particular result from participating in any of WFR’s programs, attending any seminars, or from using any of the information on this site. You are solely responsible for the actions you take with respect to your own financial decisions and WFR make no representations regarding any benefits, profits, revenues or financial gains. All financial professionals we list are unaffiliated third-parties and are responsible for their own disclosures, statements, representations, and expertise. WFR does not control or mandate any form of communications or disclosures from such third-party professionals. Please see our complete disclaimers for details.
WFR is not acting as a financial or legal advisor and makes no guarantee that you will achieve any particular result from participating in any of WFR’s programs, attending any seminars, or from using any of the information on this site. You are solely responsible for the actions you take with respect to your own financial decisions and WFR make no representations regarding any benefits, profits, revenues or financial gains. All financial professionals we list are unaffiliated third-parties and are responsible for their own disclosures, statements, representations, and expertise. WFR does not control or mandate any form of communications or disclosures from such third-party professionals. Please see our complete disclaimers for details.
USER WARRANTIES AND REPRESENTATIONS
You warrant and represent that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these TOS, and to abide by and comply with these TOS.
You warrant and represent that you will abide by any rules or regulations that WFR publishes with respect to conduct of users of the Website, which rules and regulations are hereby incorporated into these TOS by this reference. WFR reserves the right to deny anyone access to any part of or the entire Website if, in WFR’s sole discretion, any user has failed to abide by these TOS or any other agreement with the WFR, or appears likely to do so.
• User accepts that WFR in its sole discretion may, but has no obligation to, monitor all services or any portion thereof, and/or to oversee compliance with these TOS.
• User represents, warrants and agrees that:
- Access privileges may not be transferred, assigned, sold, or given to any third-parties;
- User will not access, store, distribute or transmit any Viruses;
- User will comply with all applicable laws and regulations with respect to use of the Website;
- User will not rent, lease, sublicense, sell, re-sell, distribute, transfer, copy, claim or modify the Website or any component thereof;
- User will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder;
- User will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Website or any portion thereof;
- User will not delete or alter any copyright, trademark or other property rights notices from the Website;
- User is solely responsible for acquiring the hardware, software, and network connections necessary to access and use the Website;
- User will not use the Website in any manner, or in connection with any content, data, hardware, software or other materials that infringe upon or violate any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or that constitute defamation, libel, invasion of privacy, or violation of any right of publicity or other third party right, or that is threatening, harassing or malicious.
You warrant and represent that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these TOS, and to abide by and comply with these TOS.
You warrant and represent that you will abide by any rules or regulations that WFR publishes with respect to conduct of users of the Website, which rules and regulations are hereby incorporated into these TOS by this reference. WFR reserves the right to deny anyone access to any part of or the entire Website if, in WFR’s sole discretion, any user has failed to abide by these TOS or any other agreement with the WFR, or appears likely to do so.
• User accepts that WFR in its sole discretion may, but has no obligation to, monitor all services or any portion thereof, and/or to oversee compliance with these TOS.
• User represents, warrants and agrees that:
- Access privileges may not be transferred, assigned, sold, or given to any third-parties;
- User will not access, store, distribute or transmit any Viruses;
- User will comply with all applicable laws and regulations with respect to use of the Website;
- User will not rent, lease, sublicense, sell, re-sell, distribute, transfer, copy, claim or modify the Website or any component thereof;
- User will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder;
- User will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Website or any portion thereof;
- User will not delete or alter any copyright, trademark or other property rights notices from the Website;
- User is solely responsible for acquiring the hardware, software, and network connections necessary to access and use the Website;
- User will not use the Website in any manner, or in connection with any content, data, hardware, software or other materials that infringe upon or violate any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or that constitute defamation, libel, invasion of privacy, or violation of any right of publicity or other third party right, or that is threatening, harassing or malicious.
CONTACTING US
If you need to contact us, you can submit a support ticket at https://www.workshopsforretirement.com/contact-us-page, email us at info@workshopsforretirement.com
Our mailing address is:
Workshops for Retirement, Inc
3010 LBJ Freeway, Ste 1259, Dallas, TX 75234
United States
If you need to contact us, you can submit a support ticket at https://www.workshopsforretirement.com/contact-us-page, email us at info@workshopsforretirement.com
Our mailing address is:
Workshops for Retirement, Inc
3010 LBJ Freeway, Ste 1259, Dallas, TX 75234
United States
ACCESSING THE WEBSITE
You are responsible for making all arrangements necessary for you to have access to the Website. WFR reserves the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.
You are responsible for making all arrangements necessary for you to have access to the Website. WFR reserves the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.
DISCLAIMER OF WARRANTIES
ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WFR AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WFR AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL WFR OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WFR’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE FOREGOING, SUBSCRIBER’S EXCLUSIVE REMEDY AND COMPANY’S ENTIRE LIABILITY, IF ANY, FOR ANY CLAIMS ARISING OUT OF THESE TERMS OF SERVICE, SHALL BE LIMITED TO THE GREATER OF (I) THE AMOUNT PAID BY SUBSCRIBER TO WFR DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM OR ACTION AROSE OR (II) TWO HUNDRED DOLLARS ($200), REGARDLESS OF WHETHER THE CLAIM OR ACTION IS BASED ON CONTRACT, TORT, WARRANTY, INDEMNIFICATION OR OTHERWISE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. YOU SHALL BE RESPONSIBLE FOR ALL CLAIMS AND DAMAGES FROM THIRD PARTIES RESULTING FROM THE MISUSE OF THE SERVICES BY SUBSCRIBER.
When using the Website, information will be transmitted over a medium that may be beyond the control and jurisdiction of the Company. Accordingly, the Company assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website.
CONFIDENTIALITY
You agree to maintain the confidentiality of WFR’s confidential information. For the purposes of these TOS, the term “Confidential Information” means all portions of the Website, and includes all other information reasonably expected by WFR to be kept confidential such as client/customer lists, fees, marketing data, software code, and similar items.
SOCIAL MEDIA FEATURES
Our Website may include social media features and security features, including but not limited to Facebook features and links, Twitter feeds and links, “Add This” buttons or other interactive mini-programs that run on our Website. These features may collect your IP address, which pages you are visiting on our Website, and may set cookies to enable the features to function properly. Social media features and security features are either hosted by a third party or hosted directly on our Website. Your interactions with these third-party features are governed by the privacy policy of such third party.
MOBILE ANALYTICS
WFR may use mobile analytics software to allow it to better understand the functionality of its mobile software on your phone. This software may record information such as how often you use the Website, the events that occur on the mobile Website, aggregated usage, performance data, and where the Website was accessed.
UNDER NO CIRCUMSTANCES SHALL WFR OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WFR’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE FOREGOING, SUBSCRIBER’S EXCLUSIVE REMEDY AND COMPANY’S ENTIRE LIABILITY, IF ANY, FOR ANY CLAIMS ARISING OUT OF THESE TERMS OF SERVICE, SHALL BE LIMITED TO THE GREATER OF (I) THE AMOUNT PAID BY SUBSCRIBER TO WFR DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM OR ACTION AROSE OR (II) TWO HUNDRED DOLLARS ($200), REGARDLESS OF WHETHER THE CLAIM OR ACTION IS BASED ON CONTRACT, TORT, WARRANTY, INDEMNIFICATION OR OTHERWISE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. YOU SHALL BE RESPONSIBLE FOR ALL CLAIMS AND DAMAGES FROM THIRD PARTIES RESULTING FROM THE MISUSE OF THE SERVICES BY SUBSCRIBER.
When using the Website, information will be transmitted over a medium that may be beyond the control and jurisdiction of the Company. Accordingly, the Company assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website.
CONFIDENTIALITY
You agree to maintain the confidentiality of WFR’s confidential information. For the purposes of these TOS, the term “Confidential Information” means all portions of the Website, and includes all other information reasonably expected by WFR to be kept confidential such as client/customer lists, fees, marketing data, software code, and similar items.
SOCIAL MEDIA FEATURES
Our Website may include social media features and security features, including but not limited to Facebook features and links, Twitter feeds and links, “Add This” buttons or other interactive mini-programs that run on our Website. These features may collect your IP address, which pages you are visiting on our Website, and may set cookies to enable the features to function properly. Social media features and security features are either hosted by a third party or hosted directly on our Website. Your interactions with these third-party features are governed by the privacy policy of such third party.
MOBILE ANALYTICS
WFR may use mobile analytics software to allow it to better understand the functionality of its mobile software on your phone. This software may record information such as how often you use the Website, the events that occur on the mobile Website, aggregated usage, performance data, and where the Website was accessed.
INDEMNIFICATION
Upon a request by WFR, you agree to defend, indemnify, and hold WFR and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this Website.
Upon a request by WFR, you agree to defend, indemnify, and hold WFR and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this Website.
SEVERABILITY AND INTEGRATION
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and WFR with respect to this site and supersedes all prior or contemporaneous communications between you and WFR with respect to this site. If any part of these TOS is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between you and WFR with respect to this site and supersedes all prior or contemporaneous communications between you and WFR with respect to this site. If any part of these TOS is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
JURISDICTION
These TOS shall be governed by and construed in accordance with the laws of the State of Texas.
These TOS shall be governed by and construed in accordance with the laws of the State of Texas.
ARBITRATION MANDATORY
Prior to commencing any litigation, any controversy or claim arising out of or relating to these terms and condition, or the breach thereof, shall first be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Each party shall bear its own costs of such arbitration and the arbitration process will occur by virtual video conference, with a single mutually selected arbitrator. The arbitrator shall use these TOS and any other agreements then in effect between you and WFR to render his/her decision, and may award the victorious party all reasonably incurred legal fees and other costs with respect to the entire process of arbitrating such dispute.
SURVIVAL
All provisions relating to proprietary rights, payment of fees, confidentiality, disclaimer of warranty, indemnification, and limitation of liability, shall indefinitely survive the expiration or earlier termination of your use of the Website.
Prior to commencing any litigation, any controversy or claim arising out of or relating to these terms and condition, or the breach thereof, shall first be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Each party shall bear its own costs of such arbitration and the arbitration process will occur by virtual video conference, with a single mutually selected arbitrator. The arbitrator shall use these TOS and any other agreements then in effect between you and WFR to render his/her decision, and may award the victorious party all reasonably incurred legal fees and other costs with respect to the entire process of arbitrating such dispute.
SURVIVAL
All provisions relating to proprietary rights, payment of fees, confidentiality, disclaimer of warranty, indemnification, and limitation of liability, shall indefinitely survive the expiration or earlier termination of your use of the Website.
DATA SECURITY
All information you provide to us is stored on the servers and platforms of our service providers (through whom we provide our services, through contractual agreements), our partners and other third parties. These service providers, partners and other third parties are responsible for keeping your information safe on their respective servers.
We are not responsible for the privacy practices of any service provider, partner and other third-party sites and platforms or other services operated by third parties that are linked to or integrated with the services or for the privacy practices of third-party online advertising companies. When you access the Website, leave the Website via such a link or in any way access a third-party application or click on an advertisement, you should check the applicable privacy policy of the third-party platform to determine, among other things, how they will handle any personally identifiable or other information that they may collect from you.
Access by you of your account is available through your provided email address and a password either selected by you, or provided by us via electronic means. You should not divulge your password to anyone and that you ensure you use a secure web browser. WFR cannot be held accountable for activity that results from your own neglect to safeguard the secrecy of your password and user name. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent access to your information from subsequent users of that computer.
Please notify WFR as soon as possible if your username or any password is or has been compromised by immediately emailing 323-776-1900. Please include your name, address, telephone number and e-mail address when you contact WFR, and place “Privacy Administrator” in the subject line of your correspondence, if contacting WFR via email.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personally identifiable information, you acknowledge that: (a) there are security and privacy limitations of the internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and WFR through this Website cannot be guaranteed and WFR will have no liability to you or any third party for loss, misuse, disclosure or alteration of such information; and (c) any such information and data may be viewed or tampered with in transit by a third party.
In the unlikely event that WFR believes that the security of your personally identifiable information in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please notify WFR with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.
All information you provide to us is stored on the servers and platforms of our service providers (through whom we provide our services, through contractual agreements), our partners and other third parties. These service providers, partners and other third parties are responsible for keeping your information safe on their respective servers.
We are not responsible for the privacy practices of any service provider, partner and other third-party sites and platforms or other services operated by third parties that are linked to or integrated with the services or for the privacy practices of third-party online advertising companies. When you access the Website, leave the Website via such a link or in any way access a third-party application or click on an advertisement, you should check the applicable privacy policy of the third-party platform to determine, among other things, how they will handle any personally identifiable or other information that they may collect from you.
Access by you of your account is available through your provided email address and a password either selected by you, or provided by us via electronic means. You should not divulge your password to anyone and that you ensure you use a secure web browser. WFR cannot be held accountable for activity that results from your own neglect to safeguard the secrecy of your password and user name. If you share a computer with anyone, you should always log out of your account after you are finished, in order to prevent access to your information from subsequent users of that computer.
Please notify WFR as soon as possible if your username or any password is or has been compromised by immediately emailing 323-776-1900. Please include your name, address, telephone number and e-mail address when you contact WFR, and place “Privacy Administrator” in the subject line of your correspondence, if contacting WFR via email.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personally identifiable information, you acknowledge that: (a) there are security and privacy limitations of the internet which are beyond our control; (b) the security, integrity and privacy of any and all information and data exchanged between you and WFR through this Website cannot be guaranteed and WFR will have no liability to you or any third party for loss, misuse, disclosure or alteration of such information; and (c) any such information and data may be viewed or tampered with in transit by a third party.
In the unlikely event that WFR believes that the security of your personally identifiable information in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please notify WFR with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.
FORCE MAJEURE
Company will not be liable or responsible for any failure to perform, or delay in performance of, any of its obligations that is caused by events outside its reasonable control (“Force Majeure Event”). A Force Majeure Event includes any act, event, non-happening, omission or accident beyond Company’s reasonable control including, but not limited to, restrictions of law, regulations, orders, or other governmental directives, labor disputes, acts of God, third party mechanical or other equipment breakdowns, terrorist attacks, fire, explosions, disease, plagues, pandemic, outbreak of illness, fiber optic cable cuts, interruption or failure of telecommunications or digital transmission links, internet failures or delays, data breaches, storms or other similar events.
Company will not be liable or responsible for any failure to perform, or delay in performance of, any of its obligations that is caused by events outside its reasonable control (“Force Majeure Event”). A Force Majeure Event includes any act, event, non-happening, omission or accident beyond Company’s reasonable control including, but not limited to, restrictions of law, regulations, orders, or other governmental directives, labor disputes, acts of God, third party mechanical or other equipment breakdowns, terrorist attacks, fire, explosions, disease, plagues, pandemic, outbreak of illness, fiber optic cable cuts, interruption or failure of telecommunications or digital transmission links, internet failures or delays, data breaches, storms or other similar events.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA)
Accounts made available through this Website are available only to persons of legal age to form a binding contract and who are not persons barred from receiving services under the laws of the United States or other applicable jurisdictions. By registering, you represent that you are a person of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdictions and are accepting these Terms of Service on behalf of yourself. You may not transfer or share your account with anyone. You are liable for all activities conducted through the account.
Accounts made available through this Website are available only to persons of legal age to form a binding contract and who are not persons barred from receiving services under the laws of the United States or other applicable jurisdictions. By registering, you represent that you are a person of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdictions and are accepting these Terms of Service on behalf of yourself. You may not transfer or share your account with anyone. You are liable for all activities conducted through the account.
THIRD PARTY ACTIONS
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies and persons but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies and persons but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
GEOGRAPHIC AND OTHER RESTRICTIONS
All content, services, functionality, and/or features (collectively, “Service Functionality”), that may be available on or through Website is subject to United States Export Controls. No Service Functionality from the Website may be utilized by a resident of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country which the United States has embargoed goods; or (b) anyone on the United States Treasury Department's list of Specially Designated Nationals or the United States Commerce Department's Table of Deny Orders. By using any Service Functionality, Subscriber represents and warrants that it is not located in, under the control of, or a national or resident of any such country or on any such list.
All content, services, functionality, and/or features (collectively, “Service Functionality”), that may be available on or through Website is subject to United States Export Controls. No Service Functionality from the Website may be utilized by a resident of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country which the United States has embargoed goods; or (b) anyone on the United States Treasury Department's list of Specially Designated Nationals or the United States Commerce Department's Table of Deny Orders. By using any Service Functionality, Subscriber represents and warrants that it is not located in, under the control of, or a national or resident of any such country or on any such list.
CHILDREN’S PRIVACY
We do not knowingly intend to collect personally identifiable information from children under 18 years of age.
IP ADDRESSES
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
We do not knowingly intend to collect personally identifiable information from children under 18 years of age.
IP ADDRESSES
We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
NO THIRD-PARTY BENEFICIARIES
No person or entity not a party to these Terms of Service will be deemed to be a third-party beneficiary of these TOS or any provision hereof.
No person or entity not a party to these Terms of Service will be deemed to be a third-party beneficiary of these TOS or any provision hereof.
COMMITMENT TO DATA SECURITY
All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.
We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.
We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
COMPLETE UNDERSTANDING
These Terms of Service, together with the Privacy Policy, constitute the sole and entire agreement between you and WFR with respect to the Website and supersedes all prior and contemporaneous understandings, agreements, representations, warranties or TOS, both written and oral, with respect to the Websites. In the event that these Terms of Service and Privacy Policy conflict with any other agreement between you and WRF such other agreement will control.
These Terms of Service, together with the Privacy Policy, constitute the sole and entire agreement between you and WFR with respect to the Website and supersedes all prior and contemporaneous understandings, agreements, representations, warranties or TOS, both written and oral, with respect to the Websites. In the event that these Terms of Service and Privacy Policy conflict with any other agreement between you and WRF such other agreement will control.
DISCLAIMER
WFR, its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this Website is intended to be financial advice. WFR is an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way.
Furthermore, the services, strategies, information, and/or products offered by WFR on this Website and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.
The education and information presented by WFR are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors.
In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, WFR cannot guarantee your success or income level, nor is WFR responsible for any of your actions.
Any and all forward-looking statements on this Website, and/or in any of our products are intended to express WFR’s opinion of the earnings potential that some people may or may not achieve. To the extent that WFR included any case studies or testimonials on this Website, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.
WFR, its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this Website is intended to be financial advice. WFR is an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way.
Furthermore, the services, strategies, information, and/or products offered by WFR on this Website and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result.
The education and information presented by WFR are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors.
In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, WFR cannot guarantee your success or income level, nor is WFR responsible for any of your actions.
Any and all forward-looking statements on this Website, and/or in any of our products are intended to express WFR’s opinion of the earnings potential that some people may or may not achieve. To the extent that WFR included any case studies or testimonials on this Website, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.
YOU FULLY AGREE AND UNDERSTAND THAT WFR IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WFR DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WOFR DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. WFR ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE.
UNDER NO CIRCUMSTANCES WILL WORKSHOPS FOR RETIREMENT INC.BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WFR DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WOFR DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. WFR ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE.
UNDER NO CIRCUMSTANCES WILL WORKSHOPS FOR RETIREMENT INC.BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
Privacy Policy (LAST UPDATED SEPTEMBER 26, 2022)
“https://www.workshopsforretirement.com/homepage”, operated by Workshops for Retirement, Inc., (“WFR” or “we”) respects your privacy. This “Privacy Policy” summarizes what PII we collect, and how we use and disclose this information. By using our website (“Site”), communicating with WFR via telephone, email, or otherwise, or by using services provided by WFR (“Services”), you signify your consent to the terms of our Privacy Policy. If you do not agree with any terms of this Privacy Policy, please do not use this Site or submit any PII to us. If you have questions about this Privacy Policy or how it applies to you, you should contact WFR by email at info@workshopsforretirement.com or call us at 323-776-1900.
Personally Identifiable Information that we collect
Personally identifiable information is any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to a name, phone number, and email address (“PII”). PII does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.
WFR collects PII about users of the Site and those who communicate with WFR via telephone, email, or otherwise, without transacting business (“Visitors”) and individuals that transact business or make use of the Services offered by WFR (“Customers”).
The PII we may collect will depend on whether you are a Visitor or a Customer. From Visitors, we may collect basic user profile information including but not limited to IP addresses, ISPs, and browser types. From Customers, we may collect PII including but not limited to names, addresses, phone numbers, email addresses, payment information, and user profile information.
By providing your contact information while registering for one of our events/workshops, you authorize us and our affiliates to:
Provide a confirmation phone call, and/or email or text message.
Provide a reminder phone call, and/or email or text message.
(If you attended/responded) - Provide a Post-Workshop/service follow-up phone call, and/or email.
(If you did not attend/respond) Post-Workshop/service follow-up inviting you to another workshop/service.
Provide informational updates regarding finance and/or financial professionals.
Request an assessment/review of WFR and/or any Host.
Communicate with you via text message (you are consenting to text communications from us and our partners and/or affiliates), if you provided your phone number.
We may collect basic user profile information from all our Visitors. We collect the following additional information from our Customers: the names, addresses, phone numbers and email addresses, financial information.
We use PII to customize the Site and to make appropriate Service offerings. We may email Visitors and Customers regarding reminders, notifications, to provide information, to assess satisfaction with our Services, or with respect to upcoming events. We may also use PII to contact Visitors and Customers in response to specific inquiries, or to provide the requested information.
COPPA
We do not knowingly solicit data from or market to children under 18 years of age. Accessing the Services by minors is prohibited by the Company. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Website. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@arcstofreedom.com.
Social Media Features
Our Websites may include Social Media Features and Security Features, including but not limited to Facebook features and links, Twitter feeds and links, “Add This” buttons or other interactive mini-programs that run on our Websites. These features may collect your IP address, which pages you are visiting on our Websites, and may set cookies to enable the features to function properly. Social Media Features and Security Features are either hosted by a third party or hosted directly on our Websites. Your interactions with these third-party features are governed by the privacy policy of such third party.
Sharing PII
We may share limited information about our Visitors with our affiliates, partners, vendors, third party contractors, and other service providers. We also offer the opportunity to “opt out” of receiving information or being contacted by us. WFR organizes seminars that are hosted by trusted “Hosts” and their teams. Most Hosts are financial professionals (CPAs, financial advisors, attorneys, etc.). WFR may disclose the PII of Customers that register for a particular seminar with that seminar’s Host. WFR uses contractual and other means when transferring PII to Hosts to require similar levels of security and privacy protection.
However, Hosts are solely responsible for their own digital security and privacy policies, and WFR has no control over such Hosts or with respect to their compliance with security policies and legal data protection requirements. WFR does not screen, approve, or has any input into Hosts’ digital security or privacy policies. WFR disclaims any liability with respect to such Hosts’ handling of PII any of them may obtain through WFR.
To Comply with the law – WFR will disclose PII to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose PII when reasonably necessary to protect the safety of our Visitors, Customers, Hosts, and WFR staff.
Merger / Acquisition – WFR reserves the right to transfer PII if we merge with or are acquired by a third party.
How Personally Identifiable Information is stored
Personally Identifiable Information collected by us is securely stored by third party vendors, and may be made available for use by WFR or our Host partners as indicated above.
Choices available to Visitors regarding collection, use, and distribution of the information
Visitors and Authorized Customers may opt out of receiving communications from WFR of any kind, whether updates, notifications, reminders, informational notices, or otherwise, at any time, by responding to emails as instructed, by clicking the ‘unsubscribe’ link, by responding to text messages with “stop”, by contacting us at 323-776-1900, or by emailing WFR at info@workshopsforretirement.com. To opt out of communications from Hosts, vendors, partners, or affiliates, you should follow their own opt out instructions in their respective privacy policies or as otherwise provided to recipients of their communications.
Collection of information through technological means (cookies)
When you visit the Site, we may collect information that is automatically sent to us by your web browser. This information may include your web service provider and your numerical IP address. We may also collect other information, such as the type of browser you use, which pages you view, and the files you access.
We use this information to better understand how visitors use our Site and to improve our Site to better meet your needs. The amount of information that is sent by your web browser depends on the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.
WFR may use “cookies” and other similar devices on the Site to enhance functionality. These devices may track information which includes but is not limited to: (i) IP address; (ii) the type of web browser and operating system used; and (iii) the pages of the Site visited. If you wish to disable cookies, refer to your browser help menu to learn how. If you disable cookies, you may be unable to access some features on this Site. We might use information including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information.
Cookies may be used for a variety of reasons. We might use Cookies to obtain information about the preferences of our Visitors and the Services they select. We might also use Cookies for security purposes to protect our Customers.
Mobile Analytics
We may use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the App, the events that occur within the App, aggregated usage, performance data, and where the App was downloaded from.
What partners or service providers have access to Personally Identifiable Information from Visitors and/or Customers?
WFR might enter partnerships and other affiliations with a number of third parties. Such parties may have access to certain PII on a need to know basis for evaluating Customers for service eligibility and/or for events hosted by an affiliate. Our Privacy Policy does not cover their collection or use of this information, and you should consult their privacy protection methodology when communicating with or providing information to such third parties.
General
WFR staff is familiar with and trained on our security policy and practices. The PII of our Visitors and Customers is only accessible to a limited number of qualified staff who are given a unique password to gain access to the PII. We audit our security systems and processes on a regular basis. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, hacking, malicious attacks, and other breaches, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Customers for any such occurrences.
We provide Visitors and Customers with an option to delete/deactivate PII from the Site’s database by contacting us. However, because of backups, third party hosting providers, and records of deletions, it may be impossible to delete an entire record without permanently retaining some residual information.
We will let our Visitors and Customers know about changes to this Privacy Policy by posting such changes on our Site in a prominent location. However, if we are changing our Privacy Policy in a manner that is not agreeable to you, you must stop using the Site immediately. Your continued use of the Site will be deemed to be your agreement to and acceptance of the new revised Privacy Policy as updated. We reserve the right, in our sole discretion, to change the terms of this Privacy Policy at any time. Any changes are effective immediately upon posting to the Website.
In the unlikely event that we believe that the security of your PII in our control may have been compromised, we will notify you as promptly as possible under the circumstances. To the extent we have your e-mail address, we may notify you by e-mail and you consent to our use of e-mail as a means of such notification.
If you prefer for us to use another method to notify you in this situation, please e-mail with the alternative contact information you wish to be used. Please include your name, address, telephone number and e-mail address when you contact us, and place “Privacy Administrator” in the subject line of your email.
YOUR PRIVACY RIGHTS
Some jurisdictions such as Canada (through the Personal Information Protection and Electronic Documents Act “PIPEDA”) and California (through various laws, including the California Consumer Protection Act (“CCPA”), provide individuals with certain rights regarding their PII. To exercise any rights your jurisdiction may provide, contact us by using the information at the bottom of this Privacy Policy under “How to Contact Us”. The following are examples of individual rights from PIPEDA and the CCPA. Your rights will depend on the location in which you reside:
• Being informed about your PII and how we control or process it
• Viewing and obtaining a copy of the PII we maintain about you
• Amending or revising the PII we maintain about you
• Requesting that the PII we keep about you is erased
• Objecting to the use of your PII for direct marketing
• Restricting our use of the PII we maintain about you
• Knowing from where we obtained your PII
• To receive the same products or services (to the extent possible) at the same price regardless of whether you exercise your individual rights under this Privacy Policy
• Withdraw your previously provided consent (only on a prospective basis)
• Filing a complaint with us or the appropriate governmental entity
We may require that you verify your identity before exercising your individual rights. Unless notified when you make a request, we will honor your request within 30 days. In certain circumstances, we may be able to deny certain requests, as permitted or required by law.
If you are a California resident and have provided us with PII, California law gives you the right to request and receive from us, once per calendar year, information as to how we have shared your PII with third parties for their direct marketing purposes. If applicable, such information would include a list of names and addresses of all third parties with whom such information was shared during the prior calendar year as well as a list of the categories of PII shared.
You may make such a request by contacting us by email. You must include your name, physical mailing address and email address when you contact us. Please also include your telephone number, whenever possible. You must place “Privacy Administrator” in the subject line of your email. We will respond to your request within thirty (30) days of receiving such request.
In the event that we may provide your PII to third-parties, such third-parties are also obligated to keep your PII secure and confidential. Such third parties' use of your PII will be subject to their privacy policies. You should contact those entities directly regarding any communications you may receive from them, including, if you later decide that you no longer want that third party to use your PII.
Even in the event that you wish to request information about how to exercise your third-party disclosure choices and other rights afforded under the state law of California, we will retain your information for as long as your account is active or as needed to provide you Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Because we keep track of past transactions for as long as is reasonably necessary, you cannot delete information associated with past transactions on this Site. In addition, it may be impossible to completely delete your information without some residual information because of backups.
If you have any questions regarding this Privacy Policy, to exercise any of your rights regarding your PII, or to make a complaint, please contact us by phone at 323-776-1900, by email at info@workshopsforretirement.com, or by mail direct to Workshops for Retirement, Inc, 3010 LBJ Freeway, Ste 1259, Dallas, TX 75234.
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