HOW WE GATHER INFORMATION FROM OUR USERS

How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in sweepstakes and contests, message boards and chat rooms, and other interactive areas of our site. Like most Web sites, chrishoward.com also collects information automatically and through the use of electronic tools that may be transparent to our visitors. For example, we may log the name of your Internet Service Provider or use cookie technology to recognize you and hold information from your visit. Among other things, the cookie may store your user name and password, sparing you from having to re-enter that information each time you visit, or may control the number of times you encounter a particular advertisement while visiting our site. As we adopt additional technology, we may also gather information through other means. In certain cases, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but if you do you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, and we may not be able to customize the site's features according to your preferences.

WHAT WE DO WITH THE INFORMATION WE COLLECT

Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone. Aggregated Information (information that does not personally identify you) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance our site and services (e.g., to learn which pages are visited most or what features are most attractive). Aggregated Information may occasionally be shared with our advertisers and business partners. Again, this information does not include any Personally Identifiable Information about you or allow anyone to identify you individually. We may use Personally Identifiable Information collected on chrishoward.com to communicate with you about your registration and customization preferences; our Terms of Service and privacy policy; services and products offered by chrishoward.com and other topics we think you might find of interest. Personally Identifiable Information collected by chrishoward.com may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with you. Certain third parties who provide technical support for the operation of our site (our Web hosting service for example) may access such information. We will use your information only as permitted by law. In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to disclosure in such cases.



AFFILIATED SITES LINKS AND ADVERTISEMENTS

Chrishoward.com expects its partners, advertisers and associates to respect the privacy of our users. Be aware, however, that third parties, including our partners, advertisers, associates and other content providers accessible through our site, may have their own privacy and data collection policies and practices. For example, during your visit to our site you may link to, or view as part of a frame on a chrishoward.com page, certain content that is actually created or hosted by a third party. Also, through chrishoward.com you may be introduced to, or be able to access, information, Web sites, features, contests or sweepstakes offered by other parties. Chrishoward.com is not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of those third parties when providing information on a feature or page operated by a third party. While on our site, our advertisers, promotional partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before. Other features available on our site may offer services operated by third parties and may use cookies or other technology to gather information. Chrishoward.com does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions or policies of such third parties. You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards or in chat areas, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of chrishoward.com and this policy.

CONTACT US

We can be reached by contacting:

The Christopher Howard Companies
1601 North Sepulveda Boulevard, Suite 395
Manhattan Beach, CA 90266 USA
Toll Free 1.888.877.8550 or 310.316-2287
E-Mail Info@chrishoward.com
Internet www.chrishoward.com

CHANGES TO THIS POLICY


Chrishoward.com reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.



GOVERNING LAW

This policy and the use of this Site are governed by CA law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: L.A. COUNTY. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us. If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: L.A. COUNTY, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so. Chrishoward.com is controlled, operated and administered entirely within CA. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

ANTI-SPAM POLICY

The Christopher Howard Companies is committed to permission-based email marketing practices, and have established this no-tolerance Anti-Spam Policy. The Christopher Howard Companies may update this policy and provide notice of any changes on its home page. Your use of this website constitutes your acceptance of the terms and conditions of our Anti-Spam Policy.

Spam is commercial email or unsolicited bulk email, including junk mail, which has not been requested by the recipient. Spam is the opposite of permission-based email.

Spam is not an accepted promotion technique and The Christopher Howard Companies does not condone or engage in Spam and does not tolerate Spam of any sort.

The Christopher Howard Companies Associates , Joint Venture Partners, Customers and active students, you are strictly forbidden to advertise or promote The Christopher Howard Companies programs, products, or services, via any form of Spam. The Christopher Howard Companies Associates, Joint Venture Partners, Customers and active students, agree to comply with this Anti-Spam Policy. The Christopher Howard Companies reserves the right to determine in its sole discretion what constitutes Spam.

The Christopher Howard Companies Associates , Joint Venture Partners, Customers and active students found to be using The Christopher Howard Companies programs, products or services to engage in Spam may, at The Christopher Howard Companies discretion, be immediately cut off from use of all The Christopher Howard Companies programs, products and services. The Christopher Howard Companies will take any steps it deems necessary to prevent it from being involved in Spam and will legally pursue any person(s) or organization(s) that involve it in Spam allegations. If damages of any kind are levied against The Christopher Howard Companies, it will pursue full legal recourse against the offending person(s) and/or organization(s) under any and all applicable laws.

If you believe that you have received Spam connected to The Christopher Howard Companies in any way, send a complaint including the unsolicited email, to abuse@chrishoward.com. You may also provide any other information that you believe may help The Christopher Howard Companies investigation. The Christopher Howard Companies does not investigate or take any action based on anonymous Spam complaints.

Individuals who sign up on any of The Christopher Howard Companies website for programs, free evening seminars, teleclasses, products or for any other reason, and provide their email address, give The Christopher Howard Companies permission to send information on The Christopher Howard Companies programs, products and services to said email address. In order to protect your privacy, The Christopher Howard Companies does not sell, share or trade our subscriber list with anyone for any reason and you may unsubscribe at any time.

LEGAL TERMS OF SERVICE

By using this site, you signify your Assent and Agreement to these Terms of Use. If you do not agree to these Terms of Use, do not use the site.

RESTRICTIONS ON USE OF MATERIALS

Materials in this website are Copyrighted and all rights are reserved. Text, graphics, databases, HTML code, and other intellectual property are protected by US and International Copyright Laws, and may not be copied, reprinted, published, reengineered, translated, hosted, or otherwise distributed by any means without explicit permission. All of the trademarks on this site are trademarks of Chrishoward.com or of other owners used with their permission.

DATABASE OWNERSHIP LICENSE AND USE

Chrishoward.com warrants, and you accept, that Chrishoward.com is the owner of the copyright of the Databases of Links to articles and resources available from time to time through Chrishoward.com. Chrishoward.com and its contributors reserve all rights and no intellectual property rights are conferred by this agreement.

Chrishoward.com grants you a non-exclusive, non-transferable license to use database(s) accessible to you subject to these Terms and Conditions. The database(s) may be used only for viewing information or for extracting information to the extent described below.

You agree to use information obtained from Chrishoward.com's databases only for your own private use or the internal purposes of your home or business, provided that is not the selling or broking of information, and in no event cause or permit to be published, printed, downloaded, transmitted, distributed, reengineered, or reproduced in any form any part of the databases (whether directly or in condensed, selective or tabulated form) whether for resale, republishing, redistribution, viewing, or otherwise.

Nevertheless, you may on an occasional limited basis download or print out individual pages of information that have been individually selected, to meet a specific, identifiable need for information which is for your personal use only, or is for use in your business only internally, on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory or hard copy publication of or from the databases, whether for internal or external distribution or use.

LIABILITY

The materials in this site are provided "as is" and without warranties of any kind either express or implied. Chrishoward.com disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Chrishoward.com does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Chrishoward.com does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Chrishoward.com assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall Chrishoward.com be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Chrishoward.com or a Chrishoward.com authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Chrishoward.com's total liability to you for all damages, losses, and causes of action (whether in contract, tort, including but not limited to, negligence or otherwise) exceed the amount paid by you, if any, for accessing this site.

Facts and information at this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website is to be used for information purposes only. The information contained on this website and pages within, is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company and should not be relied upon in that regard. The services described on this website are only offered in jurisdictions where they may be legally offered. Information provided in our website is not all-inclusive, and is limited to information that is made available to Chrishoward.com and such information should not be relied upon as all-inclusive or accurate.

LINKS AND MARKS

The owner of this site is not necessarily affiliated with sites that may be linked to this site and is not responsible for their content. The linked sites are for your convenience only and you access them at your own risk. Links to other websites or references to products, services or publications other than those of Chrishoward.com and its subsidiaries and associates at this website, do not imply the endorsement or approval of such websites, products, services or publications by Chrishoward.com or its subsidiaries and associates .

Certain names, graphics, logos, icons, designs, words, titles or phrases at this website may constitute trade names, trademarks or service marks of Chrishoward.com or of other entities. The display of trademarks on this website does not imply that a license of any kind has been granted. Any unauthorized downloading, re-transmission, or other copying of modification of trademarks and/or the contents herein may be a violation of federal common law trademark and/or copyright laws and could subject the copier to legal action.

CONFIDENTIALITY OF CODES

You agree to treat as strictly private and confidential any Subscriber Code, username, user ID, or password which you may have received from Chrishoward.com, and all information to which you have access through password-protected areas of Chrishoward.com's websites and will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever.

OTHER LEGAL STUFF 

These Terms of Use will apply to every access to Chrishoward.com. Chrishoward.com reserves the right to issue revisions to these Terms of Use by publishing a revised version of this document on this site: that version will then apply to all use by you following the date of publication. Each access of information from Chrishoward.com will be a separate, discrete transaction based on the then prevailing terms.This Terms of Use and the license granted may not be assigned or sublet by You without Chrishoward.com's written consent in advance.These Terms of Use shall be governed by, construed and enforced in accordance with the laws of the CA, as it is applied to agreements entered into and to be performed entirely within such jurisdiction.To the extent you have in any manner violated or threatened to violate Chrishoward.com and/or its associates' intellectual property rights, Chrishoward.com and/or its Associates may seek injunctive or other appropriate relief in any state or federal court in the State of CA, and you consent to exclusive jurisdiction and venue in such courts.Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: L.A. COUNTY. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: L.A. COUNTY, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

TERMINATION

These Terms of Use agreement are effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all Chrishoward.com site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice at Chrishoward.com's sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other Chrishoward.com site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

REFUND AND RETURN POLICY

All products purchased through the Chrishoward.com website are final and no refunds are given on any product at any time. If any product received by the purchaser is defective or scratched, that product will be replaced at no charge.