Terms & Conditions of Use
PLEASE READ THE FOLLOWING TERMS OF SERVICE RELATING TO YOUR USE OF THE PuzzleToLife.com WEBSITE CAREFULLY AS THEY GOVERN YOUR USE OF THE SITE AND ALL SERVICES OFFERED THROUGH THE SITE.
1. ACCEPTANCE OF TERMS
Thank you for using PuzzleToLife.com ('Site'). All references to PuzzleToLife.com include PuzzleToLife, are owned. PuzzleToLife.com provides the services offered on the Site subject to the Terms of Service ('TOS') contained herein, which may be updated from time to time without notice to you. You can review the most up-to-date version of the Site's TOS by visiting this page.
By using the Site, you agree and consent to be bound by these TOS and all disclaimers, rules and terms and conditions that appear elsewhere on or in connection with the Site. If at any time you become dissatisfied with the TOS, you agree that your sole and exclusive remedy is to discontinue using the Site and Services (as defined below). The laws of Delaware will govern the TOS without giving effect to any principles of conflicts of laws.
2. SERVICES OFFERED BY PuzzleToLife.com
PuzzleToLife.com provides users with services. You further understand and acknowledge that in providing the Services, PuzzleToLife.com may, at its sole discretion, communicate with me via email, newsletters, service announcements, administrative messages and other modes of communication. When added, all new Services shall be subject to this TOS. As described herein, all Services are provided to you on an “as-is” basis and PuzzleToLife.com assumes no responsibility for your use of the Services, User Profile and Content. By using the Services, you acknowledge that you are responsible for obtaining access to the Site and Services, including any third-party fees (i.e. equipment fees, Internet service provider or airtime charges).
4. PREMIUM SUBSCRIPTIONS
YOU SHOULD READ THESE TERMS CLOSELY BEFORE YOU SUBSCRIBE FOR A PREMIUM SERVICE.
During the free-trial portion of your subscription, if any, you may cancel your subscription to the Premium Service at any time and not be billed by sending us email at info@PuzzleToLife.com.
· Upon the commencement of your initial subscription (which occurs at the expiration of Your free trial, or if You are not receiving a free trial, upon Your registration for a subscription) Your credit card will be billed the applicable subscription fee and Your paid subscription will commence.
· Monthly Subscribers: If You are a monthly subscriber, You will not receive a refund or reimbursement of Your monthly subscription fee. If You cancel Your monthly subscription, You will not be charged any future monthly subscription fees.
· Other Subscribers: If You are a subscriber for a term longer than a month (including annual subscribers), You may receive a refund of Your subscription fee for Your recurring subscription term only if You cancel within fourteen (14) days of the commencement of Your initial subscription. If You cancel Your subscription at any time after that initial fourteen (14) day period, You will not be entitled to any refund, reimbursement, or other credit on account of the cancellation of Your subscription.
· If your subscription term is longer than a month and You wish to cancel Your initial subscription within fourteen (14) days of the commencement of Your initial subscription, You must notify us emailing us at info@PuzzleToLife.com. You may not cancel a subscription by any other means (such as by sending a request via another email address, postal mail or by calling any other phone number). If Your subscription term is longer than a month and You cancel Your initial subscription in accordance with the foregoing procedure, Your account will be credited within 7-14 business days following Your call or email.
Your subscription will continue for the period referenced during registration (the "Term"), and renew automatically at the end of the Term, unless You notify us of Your decision not to renew Your subscription by sending us email at info@PuzzleToLife.com. You may not notify us of a decision not to renew Your subscription by any other means (such as by sending a request via another email address, postal mail or by calling any other phone number).
If You do not notify us as described above, the then-applicable monthly, periodic or annual fee for Your subscription will be billed automatically to the credit card account You designated during the registration process (or subsequently changed).
· After Your initial subscription, you will not receive a refund, reimbursement or other credit of Your subscription fee after Your subscription has renewed.
In connection with recurring billing for subscription renewals, You authorize PuzzleToLife(Stripe.com) to bill Your credit card account number, regardless of whether the other information associated with Your subscription has changed, including but not limited to the expiration date of the physical card with which You subscribed. We may receive updated information about Your account from the financial institution issuing Your credit or charge card. You agree to pay all fees and charges incurred in connection with Your user name, member name and password (including any applicable taxes) at the rates in effect when the charges were incurred. You agree to pay all amounts due upon our demand. In the event we have to collect unpaid amounts You owe us, You will be liable for all of our attorneys' and collection agency fees.
5. INVESTMENT ADVICE
No content published on this Site constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for any specific person. None of the authors, information providers or their affiliates are advising personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the content published on the Site may be deemed to be investment advice or recommendations in connection with a particular security, such information is impersonal and not tailored to the investment needs of any specific person. You understand that an investment in any security is subject to a number of risks and that discussions of any security published on the Site will not contain a list or description of relevant risk factors.
Data shown on this Site is supplied by sources believed to be reliable. Calculations herein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.
The information contained in the Site is for discussion and informational purposes only. In no way should any information presented on the Site be considered investment advice. KTS, its partners, and employees do not represent or warrant the accuracy of any information contained on this Site.
All contents of this Site and may associated newsletters are provided for information and educational purposes only. The Site is not intended to provide tax, legal, insurance or investment advice, and nothing on the Site should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by PuzzleToLife.com or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult an attorney or tax professional regarding your specific legal or tax situation.
Maybe you do not need to be a registered user to access the Site. However, to utilize some of the Services offered on the Site, PuzzleToLife.com may require you to register and create an account (“User Account”). If you are requested by PuzzleToLife.com to provide information in connection with a registration process and creating a User Account or in the use of any Services, your use of the Services shall be conditioned upon providing such information, and in such event you agree to provide true, accurate, current and complete information as prompted by the Service's interface, and you agree to update such information as necessary from time to time to keep it true, accurate, current and complete.
You may provide certain Content (as defined below) and other information to be posted within areas of the Site (collectively “User Information”).
UNDER NO CIRCUMSTANCES SHOULD ANY USER EVER POST ANY PERSONALLY IDENTIFYING INFORMATION SUCH AS THEIR ACCOUNT PASSWORD, FULL NAME, HOME ADDRESS, PHONE NUMBER OR E-MAIL ADDRESS IN ANY PUBLIC AREA OF THE SITE. AUTHORIZED REPRESENTATIVES OF PuzzleToLife.com WILL NEVER ASK YOU FOR YOUR PASSWORD AND UNDER NO CIRCUMSTANCES SHOULD YOU DISCLOSE IT TO ANYONE, EVER.
If you register for the Site and Services and create a User Account, you will be provided a username and password for such User Account. You acknowledge that you are responsible for maintaining the confidentiality of the password as well as any and all activity that occur under your User Account and password. You agree that at the end of each session using the Site and Services, you will exit your User Account. In the event of any unauthorized use of your password and/or User Account, you agree that you will immediately notify PuzzleToLife.com by sending us email at info@PuzzleToLife.com. PuzzleToLife.com cannot and will not be liable for any and all losses or damages arising from your failure to comply with this Section.
8. USE OF THE SITE AND SERVICES
The Site and Services are intended for your personal, noncommercial use in accordance with these TOS. By using the site, you agree that you will not copy, display or distribute any part of the Site, including Content provided by third parties, in any medium, without PuzzleToLife.com’s prior written consent. You also agree that you will not use any automated devices such as spiders, robots or data mining techniques to catalog, download, store or otherwise reproduce, store or distribute Content available on the Site or to exceed the access granted to you by PuzzleToLife.com.
Illegal and/or unauthorized use of the Site and Services is a violation of this Agreement. PuzzleToLife.com reserves the right to take legal action for any such violation to the full extent permitted by law.
9. USER SUBMISSIONS AND CONTENT
You acknowledge and agree that all comments, messages, products, services or other materials posted to the Site ("Content") are the sole responsibility of the person or entity from which such Content originated. You are entirely responsible for all Content that is uploaded, posted, transmitted or otherwise made available via the Services by you or through your account, if any.
You represent and warrant that you own or have the necessary rights in and to any and all Content (including written consent for each individual person identifiable in such Content to use the name or likeness of each such person in the manner contemplated by the Service) uploaded, posted, transmitted or otherwise made available via the Service by you. You also represent and warrant that the Content will not infringe on copyright, trademark, privacy or other proprietary rights of others and is not libelous, slanderous or defamatory. PuzzleToLife.com does not control the Content posted via the Services and does not guarantee the accuracy, integrity or quality of any such Content.
PuzzleToLife.com will use commercially reasonable efforts to block or remove offensive or inappropriate Content discovered by or reported to PuzzleToLife.com. Notwithstanding the foregoing, PuzzleToLife.com cannot and will not review all Content, and you understand that by using the Services, you may be exposed to Content that you find to be offensive. Under no circumstances will PuzzleToLife.com be liable to you or to any third party in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of any access to or use of any Content posted, transmitted or otherwise made available via the Services.
You acknowledge that PuzzleToLife.com is under no obligation to pre-screen or otherwise review any Content, but also that PuzzleToLife.com and its designees shall have the right in their sole discretion for any reason and without notice to refuse, move or remove and discard any Content submitted, posted or otherwise available via the Services.
You agree that you must evaluate, and bear all risks associated with, the use of any Content, and you shall not rely on the accuracy, completeness, usefulness or nature of such Content. You acknowledge and agree that PuzzleToLife.com may preserve Content and may also disclose Content to others if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce these Terms; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of PuzzleToLife.com, its users and the public. You understand that the technical processing and transmission of the Services, including Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.
10. LICENSE TO CONTENT SUBMITTED BY USERS
PuzzleToLife.com does not claim ownership of all the Content uploaded, posted, transmitted or otherwise made available by you via the Services. By submitting Content via the Services and until such Content is removed, you grant PuzzleToLife.com an irrevocable, perpetual, transferable, sub licensable, worldwide, royalty-free, and non-exclusive license to use, distribute, reproduce, modify, adapt, publish, publicly perform, publicly display and make derivative works from such Content.
11. MEMBER CONDUCT
You acknowledge that you are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Services. Other than Content created by PuzzleToLife.com (“Site Content”), PuzzleToLife.com does not control all the Content posted via the Services and does not guarantee the accuracy, integrity or quality of such Content.
You agree that you will not use the Services to:
· upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, pornographic or contains nudity, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, excessively violent, abusive, fraudulent or otherwise objectionable;
· cause harm minors in any way whatsoever;
· upload, post, email, transmit or otherwise make available any Content that could infringe upon any copyright, trademark, publicity or privacy right or any other intellectual property right of any person or entity unless you have first received permission from the owner of those rights to use such Content;
· impersonate any person or entity, including a PuzzleToLife.com employee or agent, or falsely state or otherwise misrepresent your affiliation with a person or entity;
· forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Services;
· upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
· upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
· upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
· upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
· disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
· interfere with or disrupt the Services or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Services;
· intentionally or unintentionally violate any applicable local, provincial, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
· "stalk" or otherwise harass another;
· collect or store personal data about other users in connection with the prohibited conduct and activities set forth above; and/or
· register on behalf of another person or use another’s account or post private information about third parties; and/or
· Solicit personal information from others such as passwords or other Site account information.
Through the Site and Services, PuzzleToLife.com may provide, or third parties may provide, links to other websites, white papers or resources. PuzzleToLife.com has no control over such sites and resources. Therefore, you acknowledge and agree that PuzzleToLife.com is not responsible for the availability of such external websites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such websites or resources. In addition, you acknowledge and agree that PuzzleToLife.com shall have no responsibility or liability whatsoever for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such website or resource.
You enter other websites at your own risk and are highly advised to review their terms of service, privacy policies and other use agreements.
13. SUGGESTIONS, IDEAS AND RECOMMENDATIONS TO PuzzleToLife.com
By submitting suggestions, ideas, recommendations and/or proposals (collectively “User Suggestions”) to PuzzleToLife.com through email, forums, web pages or web forms, you acknowledge and agree that: (a) your User Suggestions do not contain confidential or proprietary information; (b) PuzzleToLife.com is not under any obligation of confidentiality, express or implied, with respect to User Suggestions; (c) PuzzleToLife.com shall be entitled to use or disclose (or choose not to use or disclose) such User Suggestions for any purpose, in any way, in any media worldwide; (d) PuzzleToLife.com may have something similar to the User Suggestions already under consideration or in development; (e) your User Suggestions automatically become the property of PuzzleToLife.com without any obligation of PuzzleToLife.com to you; and (f) you are not entitled to any compensation or reimbursement of any kind from PuzzleToLife.com under any circumstances for any User Suggestions.
You agree to defend, indemnify and hold harmless PuzzleToLife.com, its affiliates, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of and access to the Services; (b) your violation of any of these TOS; (c) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (d) any claim that any Content uploaded, posted, transmitted or otherwise made available by you via the Services caused damage to a third party. This defense and indemnification obligation will survive these TOS and your use of the Services.
PuzzleToLife.com reserves the right to terminate your access to and/or use of the Services and remove and discard any Content at any time for any reason, including without limitation any failure to comply with any part of these TOS. PuzzleToLife.com also reserves the right to discontinue providing all or part of the Services. You agree that any termination of your access to or use of the Service and any discontinuation by PuzzleToLife.com in providing the Services may be effected without notice to you and that PuzzleToLife.com shall be under no obligation to retain any Content, provide any further access to any Content or return any Content to you. You agree that PuzzleToLife.com shall not be liable to you or any third-party for any such termination or for any interruption or discontinuation of the Services.
16. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (a) YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. PuzzleToLife.com EXPRESSLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND GUARANTEES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, TO THE FULL EXTENT PERMISSIBLE UNDER THE LAW; (b) PuzzleToLife.com WILL MAKE REASONABLE EFFORTS TO MAINTAIN THE SERVICES, HOWEVER, PuzzleToLife.com IS NOT RESPONSIBLE FOR ANY DAMAGE, LOSS OF DATA, CONTENT OR INFORMATION, REVENUE, OR OTHER HARM ARISING OUT OF DELAYS, MISDELIVERY OR NONDELIVERY OF INFORMATION, RESTRICTION OR LOSS OF ACCESS, BUGS, VIRUSES OR OTHER ERRORS, UNAUTHORIZED USE, OR OTHER INTERACTION WITH THE SERVICES. YOU ARE RESPONSIBLE FOR MAINTAINING AND BACKING-UP YOUR DATA AND INFORMATION THAT MAY RESIDE ON THE SERVICES. PuzzleToLife.com DOES NOT WARRANT THAT (i) THE SERVICES WILL MEET YOUR SPECIFIC REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE AND SERVICES WILL MEET YOUR EXPECTATIONS, AND ANY ERRORS IN ANY SOFTWARE USED IN CONNECTION WITH THE SERVICES WILL BE CORRECTED; (c) ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE SOLELY AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA OR CONTENT THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL; AND (d) NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
17. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT PuzzleToLife.com SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, DAMAGE TO PROPERTY, PERSONAL INJURY, GOODWILL, USE, LOSS OF REPORTED EARNINGS, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF PuzzleToLife.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), HOWEVER AND WHENEVER ARISING, AND REGARDLESS OF THE THEORY OF LIABILITY, INCLUDING WITHOUT LIMITATION ANY SUCH DAMAGES RELATING TO (i) THE USE OR THE INABILITY TO USE THE SERVICES; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICES; OR (v) ANY OTHER MATTER RELATING TO THE SERVICES.
PuzzleToLife.com may provide you with notices, including those regarding changes to this TOS by email, postal mail or postings on the Service. For the avoidance of doubt, the TOS may be updated from time to time without notice to you.
19. INTELLECTUAL PROPERTY & TRADEMARKS
You hereby acknowledge that except for Content submitted by users of the Site and Services and other third parties, PuzzleToLife.com is the sole owner of all text, messages, information, software, scripts, images, graphics, audio, video, interactive features, and the like contained on the Site (“PuzzleToLife.com Content”). PuzzleToLife.com owns all proprietary rights, including but not limited to trademarks and copyrights in the PuzzleToLife.com Content and its selection, organization, and arrangement. PuzzleToLife.com Content is provided to you AS IS for your information and personal use only and may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed or otherwise exploited. If you download or print any PuzzleToLife.com Content for personal use, you shall retain all copyright and other proprietary notices contained therein.
The PuzzleToLife.com logos, trademarks and service marks and other PuzzleToLife.com logos, product names and service names (“PuzzleToLife.com Marks”) are trademarks of PuzzleToLife, Inc. You agree that you will not display or use the PuzzleToLife.com Marks in any manner whatsoever without our prior consent.
20. PROCEDURES FOR MAKING A CLAIM OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT
PuzzleToLife.com takes protecting copyright seriously. If you believe that Site Content is being displayed in violation of your copyrights, please immediately notify PuzzleToLife.com by sending an email to info@PuzzleToLife.com.
21. PROCEDURES REGARDING UNAUTHORIZED USE OF PHOTOGRAPHS OF LIVING PEOPLE POSTED ON THE SITE
If a photograph, video or other representation of your likeness (or someone to whom you are a parent or legal guardian) is posted on the Site without your permission, please immediately notify PuzzleToLife.com by sending an email to info@PuzzleToLife.com to report the unauthorized use of your image with the URL where the photo can be found.
22. VIOLATIONS OF TERMS OF SERVICE
Please report violations of this TOS by contacting us. Where a Service provides you with the ability to flag Content as inappropriate, you may notify us of violations of these TOS by utilizing such functionality.
23. MEMBER DISPUTES
If you have a dispute with one or more users of the Site and Services, you hereby release PuzzleToLife.com from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code 1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."
Force Majeure - PuzzleToLife.com shall not be liable for delay, termination or diminution in the Site or Service if the same is caused by conditions beyond a PuzzleToLife.com reasonable control, including but not limited to, governmental action, terrorist act, riot, insurrection, fire, flood, accident, earthquake, electrical outage, telecommunications line failure, Internet outages, computer viruses, denial-of-service attacks, network failure, explosion, embargo, strike, labor or material shortage, transportation interruption, work slowdown or an act of God.
Entire Agreement / Amendments - This Agreement constitutes the entire understanding between the parties with respect to the subject of the Agreement. Notwithstanding the foregoing, these TOS may be modified from time to time by PuzzleToLife.com without notice to you. You can review the most up-to-date version of the Site’s TOS by visiting this page.
Waiver and Severability - The failure of PuzzleToLife.com to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.
Statute of Limitations - You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site, Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Governing Law - This Agreement shall be construed and interpreted under the substantive laws of Barbados, without regard to the choice of law provisions of any jurisdiction. This Agreement shall be enforced in the courts of Delaware.
Entire Agreement - This document contains the entire understanding and agreement between you and PuzzleToLife.com with regard to your use of the Services. Notwithstanding the foregoing, you acknowledge that you may be subject to additional terms and conditions that may apply when you use or purchase other services from PuzzleToLife.com and/or third parties.
The Site is directed solely to individuals residing in jurisdictions in which provision of the Site's content is legal. We make no representation that materials provided on the Site are appropriate or available for use in other locations. Those who choose to access the Site from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Site to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service or product that we provide.
This policy covers how PuzzleToLife.com treats personal information that we collect and receive, including information related to your past use of our products and services. Personal information is information about you that is personally identifiable such as your name, address, email address, or phone number, and that is not otherwise publicly available.
Information Collection and Use
PuzzleToLife.com collects personal information when you register with PuzzleToLife.com, when you use the site and services offered on the site, when you visit pages on the site or the pages of certain partners, and when you enter promotions or sweepstakes. PuzzleToLife.com may also combine information about you that we have with information we obtain from business partners or other companies.
PuzzleToLife.com uses such information for the following general purposes: to customize the advertising and content you see, fulfill your requests for products and services, improve our services, contact you, conduct research, and provide anonymous reporting for internal and external clients. When you register we may ask for information such as your name, email address, birth date, gender, postal code and company demographics of the company you work for. When you register with PuzzleToLife.com and sign in to our services, you are not anonymous to us.
PuzzleToLife.com collects information about your transactions with us and with some of our business partners, including information about your use of the products and services that we offer. PuzzleToLife.com automatically receives and records information on our server logs from your browser, including your IP address, PuzzleToLife.com cookie information, and the pages you request.
Information Sharing & Disclosure
PuzzleToLife.com does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you request, when we have your permission, or under the following circumstances:
We provide the information to trusted partners who work on behalf of PuzzleToLife.com under confidentiality agreements to provide services in support of the site. These companies may use your personal information to help PuzzleToLife.com communicate with you about offers from PuzzleToLife.com. However, these companies do not have any independent right to use or share this information. We may sometimes share aggregate non-personal information with third parties about how our users utilize the site and services. This aggregate information is typically in the form of statistics, such as numbers of PuzzleToLife.com users who live in a particular locale or fall within a particular age group. Such aggregate information is gathered from individual PuzzleToLife.com users’ information but is not traceable to any specific identifiable PuzzleToLife.com user. PuzzleToLife.com may share personal information with third parties to the extent required to respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. PuzzleToLife.com may also share personal information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of the PuzzleToLife.com Terms of Service, or as otherwise required or permitted by law.
You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.
Use of Personal Information with Marketing Partners and Co-Registration
In instances where PuzzleToLife.com and a marketing partner are offering a special value (i.e., a free offering) to our users, we may share your personal information with such partners. By signing up to receive items through these promotions, you are expressly consenting to PuzzleToLife.com sharing your personal information (“co-registration”) with such partners and you will become subject to their privacy policies, which may vary from those of PuzzleToLife.com. In the event that you would like to opt-out of receiving offers from these partners, you must do so directly with them.
PuzzleToLife.com may from time to time send emails from selected partners to email addresses collected on this site. By providing your email address to sign up for a newsletter or other service offered on our site, you consent to allow PuzzleToLife.com to send you emails on behalf of third parties who compensate us to do so. Emails sent to you by PuzzleToLife.com will include an option to unsubscribe from future emails. If you do not wish to receive emails from PuzzleToLife.com, including emails sent to you on behalf of our partners, you may opt out by clicking the “Unsubscribe” link in the email or by emailing us at info@PuzzleToLife.com
Personal information collected on PuzzleToLife.com may be used for marketing or business purposes. Users agree to grant PuzzleToLife.com the right to retain personal information indefinitely, and the right to sell or otherwise transmit that information to other entities.
If you need assistance opting out of any of any newsletters, please email us at info@PuzzleToLife.com.
Newsletters and Alerts
If you wish to subscribe to our newsletter(s) and/or alert system, we will use your name and email address to send the newsletter or alert to you. Out of respect for your privacy, we provide you a way to unsubscribe. If you no longer wish to receive our newsletter, alerts and promotional communications, you may opt-out of receiving them by following the instructions included in each communication.
Use of Personal Information Posted on Forums and Comments
If you use a forum or post a comment on this Web site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.
PuzzleToLife.com also uses Web beacons (also known as action tags or single pixel gifs) to allow us to count how many people have visited a certain page. This enables us to assess the popularity and effectiveness of the material posted on the PuzzleToLife.com website. Additionally, we sometimes use Web beacons to access Techopedia.com cookies inside and outside our Web pages and in connection with PuzzleToLife.com products and services. A Web beacon is a transparent image placed on a Web page that sends a signal when a person visits that page. This enables us to assess the popularity and effectiveness of the material posted on the PuzzleToLife.com web site. We may also use Web beacons in connection with emails sent to PuzzleToLife.com users to let us know whether and when the email was opened.
We do link the information we store in cookies to any personally identifiable information you submit while on our site.
Third-Party Ad Serving
We send to your Web browser many of the advertisements you see when you use our network of websites. However, we also allow other companies, called third-party ad servers or ad networks, to serve advertisements within our Web pages. Because your Web browser must request these advertising banners from the ad network Web site, these companies can send their own cookies to your cookie file, just as if you had requested a Web page from the site. Please note that if an advertiser asks us to show an advertisement to a certain audience or audience segment and you respond to that ad, the advertiser or ad-server may conclude that you fit the description of the audience it is trying to reach. As always remember, we only authorize our third-party ad servers to employ anonymous cookies for ad delivery and anonymous targeting. Our third-party ad servers do not collect, nor do we give them access, to any personally identifying information about you.
We also use third-party ad servers to serve ads on our behalf across the Internet. They may collect anonymous information about your visits to PuzzleToLife.com, and your interaction with our products and services. They may also use information about your visits to this and other Web sites to target advertisements for goods and services. This anonymous information is collected through the use of a Web beacon or pixel tag, which is industry standard technology, used by most major websites.
Opting Out of Third-Party Ad Servers
If you want to prevent a third-party ad server from sending and reading cookies on your computer, you must visit each ad network's website individually and opt out.
Editing and/or Deleting Account Information and Preferences
You can edit the information contained in your account at any time by clicking on $CUSTOMLANGUAGE. Although your account will be deactivated immediately, information provided to us while you were a registered user may remain in back-up storage on our servers indefinitely. Nevertheless, once you delete your account, this information will be inaccessible to the public.
Confidentiality and Security
PuzzleToLife.com limits access to personal information about you to employees who we believe reasonably needs such information to provide products or services to you or in order to do their jobs. In addition, PuzzleToLife.com maintains physical, electronic, and procedural safeguards that comply with federal regulations to protect personal information about you.
Although PuzzleToLife.com takes your privacy seriously and will take reasonable and customary measures to protect it, we cannot guarantee that there will be no unauthorized use of your personal information.
If you register for the site and services and create a User Account, you will be provided a username and password for such User Account. You acknowledge that you are responsible for maintaining the confidentiality of the password as well as any and all activity that occur under your User Account and password. You agree that at the end of each session using the Site and Services, you will exit your User Account. In the event of any unauthorized use of your password and/or User Account, you agree that you will immediately notify PuzzleToLife.com by sending an email to info@PuzzleToLife.com. PuzzleToLife.com cannot and will not be liable for any and all losses or damages arising from your failure to comply with this Section.
Access to Personal Information
If at any time you would like to review the personal information we collect about you, just ask. You should send an email to info@PuzzleToLife.com from the email account you used to create your account and we will provide you with a summary, as well as an opportunity to correct and update this information.
If you have questions or suggestions, please send us email at info@PuzzleToLife.com
Last updated Aug 04, 2016