Privacy Policy and Terms Of Service

It is Vision Business Concepts Inc policy to respect your privacy regarding any information we may collect from you or which you may provide to us, in the circumstances set out below. Accordingly, we have developed this privacy policy in order for you to understand how we collect, use, communicate, disclose, safeguard and otherwise make use of your personally identifiable information (“Personal Data”).

We will only collect and use your Personal Data where:

  • we have lawful grounds to do so, including to comply with our legal obligations;
  • we are performing a contract with you for our services; and
  • we have legitimate interests in using your Personal Data and your interests and fundamental rights do not override those interests.

For the purposes of the EU General Data Protection Regulation ((EU) 2016/679) (“GDPR”), we, Vision Business Concepts Inc, are the “data controller”. If you have any questions about this policy or about how we use your Personal Data, please contact us via our contact details at the end of this policy.

This policy is effective as of May 15, 2018. We review our privacy practices on an ongoing basis, and as such we may change this privacy policy from time to time. Please check this page frequently to ensure you are familiar with its current content.

Personal Data we collect via our website LoriOsterberg.com (the“Website”)

Personal Data that you provide to us

We only collect Personal Data where you choose to interact with us on the Website in the following ways:

When you sign-up to receive free content, including eBooks, videos and offers; using email, first and last names.

When you purchase a book directly from us and include name, email address, physical address, phone number, any personal data you provide in the text box of the form, and payment data.

When you complete the media inquiries form and include name, email address, phone number, and any personal data you provide in the text box of the form.

Data that we collect automatically

We automatically collect certain information when you visit our Website – such as the type of browser and operating system you are using, and the domain name of your Internet service provider. We do not link this information with any Personal Data.

We may also collect data automatically through our use of cookies on the Website. Please see our cookie policy to find out about the types of cookies we set and why, and how you can adjust your settings to disable cookies.

Use of your Personal Data

We will only use your Personal Data when the law allows us to. Most commonly, we use your Personal Data to:

  • process and manage your use of our website;
  • respond to your questions, comments and requests;
  • where you have opted-in to receive marketing from us, deliver communications that are relevant to your preferences / may be of interest to you;
  • improve our services and Website through analysis of information.

Sharing of your Personal Data

We take your privacy seriously and will not share your Personal Data with others, except as permitted by applicable law or as set out below:

We share Personal Data as necessary with third parties who provide services or functions on our behalf and who require the information to provide those specific services to us. These third parties may include social media advertising platforms such as Facebook and Google Adwords for the purpose of custom audience generation and the development of targeting criteria for other audiences. Please note that we have appropriate data privacy safeguards in place with third parties with whom we share Personal Data as described above and who are providing services or functions on our behalf.

Keeping your Personal Data secure

We have implemented security policies and technical measures to safeguard the Personal Data we collect. We maintain physical, electronic and procedural safeguards that comply with applicable law, including the GDPR, to safeguard Personal Data from accidental loss, destruction or damage and unauthorised access, use and disclosure.

Retention periods for use of your Personal Data

We will use and store your Personal Data only for as long as necessary, bearing in mind the uses of your Personal Data as described in this privacy policy and otherwise as communicated to you. We review the Personal Data we hold at regular intervals and delete permanently or anonymous any Personal Data which is no longer necessary.

Children

This Website and our services are aimed at adults, and we do not knowingly collect any Personal Data relating to children aged under 15 years old. If you are under the age of 15, please do not provide us with any of your Personal Data, including your email address.

Access to and control over your Personal Data

You have legal rights under applicable law in relation to your Personal Data. You can ask the following questions, or take the following actions, at any time by contacting us via email [info at VisionOfSuccess.com] or via our postal address:

  • see what Personal Data we hold about you (if any), including why we are holding it and who it could be disclosed to;
  • ask us to change/correct your Personal Data;
  • ask us to delete your Personal Data;
  • object to the processing of your Personal Data;
  • ask us to restrict the processing of your Personal Data;
  • withdraw any consents you have given us to the processing of your Personal Data; and
  • express any concerns you have about third parties’ use of your Personal Data.

Change of purpose

We will only use your Personal Data for the purposes for which we collected it, unless we reasonably consider that we need to use it for another reason and that reason is compatible with the original purpose. If you wish to have an explanation as to how the processing for the new purpose is compatible with the original purpose, please contact us.

If we need to use your Personal Data for an unrelated purpose, we will notify you and we will explain the legal basis which allows us to do so.

Blog Posts and Comments

We provide our members with access to talk back in our blog posts through the comments section. You are free to post and disclose any information you choose. When you submit, your content becomes a part of LoriOsterberg.com site. We do not try to edit or to monitor messages posted in the comment section, but LoriOsterberg.com has the right to edit or remove objectionable postings. The person posting a message is solely responsible for it, not LoriOsterberg.com. Violators may be permanently banned from using the commenting section and will be flagged as spam.

Opt-In and Information Requests:

LoriOsterberg.com offers a variety of on-line resources. To make full use of the resource on our site, we ask you to provide some basic information. Our site gives users the opportunity to opt-in to receive communications from us. You can be assured that we never reveal, sell, or make available your email address to anyone for any purpose. This site also gives users options for removing their information from our database in order to stop receiving our communications.

Disclosure policy

As a blogger, I write about a ton of different things. And because I’m out there finding new things, experiencing new things, and looking for new resources I can share with you, my readers, occasionally I write about something that may benefit me. Sometimes people give us free stuff to try. Sometimes I find a product or service I like, and I make affiliate money from it. Sometimes I talk about my own products and services. Sometimes I review books. Sometimes I attend events. In all cases, I give my honest opinions, and base anything I have to say according to FTC guidelines. Bottom line – In order to be able to keep doing what I’m doing, sharing tips and strategies with you, I need to profit from it to stay in business. Yet I ’ll continue to do it all while giving you the best information I come across, and let you share in what I find.

http://www.ftc.gov/opa/2009/10/endortest.shtm

Payment Information

As a client of Vision Business Concepts Inc., it is your responsibility to ensure that your payment information is up to date, and that all invoices are paid on time. You agree that until and unless you notify Vision Business Concepts Inc. of your desire to cancel any or all services received (by the proper means listed in the appropriate section of the Terms of Service), those services will be billed on a recurring basis, unless otherwise stated in writing by Vision Business Concepts Inc.. Vision Business Concepts Inc. reserves the right to bill your credit card or billing information on file with us. Vision Business Concepts Inc. provides a 10 day grace period from the time the invoice is generated and when it must be paid. Any invoice that is outstanding for 10 days and not paid will result in a $25 late fee and/or an account suspension until account balance has been paid in full. The $10 late fee is applied in addition to whatever else is owed to Vision Business Concepts Inc. for services rendered. Access to the account will not be restored until payment has been received.

Indemnification

Customer agrees that it shall defend, indemnify, save and hold Vision Business Concepts Inc. harmless from any and all demands, liabilities, losses, costs and claims, including reasonable attorney’s fees asserted against Vision Business Concepts Inc., its agents, its customers, officers and employees, that may arise or result from any service provided or performed or agreed to be performed or any product sold by customer, its agents, employees or assigns. Customer agrees to defend, indemnify and hold harmless Vision Business Concepts Inc. against liabilities arising out of; (1) any injury to person or property caused by any products sold or otherwise distributed in connection with Vision Business Concepts Inc.; (2) any material supplied by customer infringing or allegedly infringing on the proprietary rights of a third party; (3) copyright infringement and (4) any defective products sold to customers from Vision Business Concepts Inc.’s server.

Arbitration

By using any Vision Business Concepts Inc. services, you agree to submit to binding arbitration. If any disputes or claims arise against Vision Business Concepts Inc. or its subsidiaries, such disputes will be handled by an arbitrator of Vision Business Concepts Inc.’s choice. An arbitrator from the American Arbitration Association or the National Arbitration Forum will be selected in the state of Colorado. Arbitrators shall be attorneys or retired judges and shall be selected pursuant to the applicable rules. All decisions rendered by the arbitrator will be binding and final. The arbitrator’s award is final and binding on all parties. The Federal Arbitration Act, and not any state arbitration law, governs all arbitration under this Arbitration Clause. You are also responsible for any and all costs related to such arbitration.

Disclaimer

Vision Business Concepts Inc. shall not be responsible for any damages your business may suffer. Vision Business Concepts Inc. makes no warranties of any kind, expressed or implied for services we provide. Vision Business Concepts Inc. disclaims any warranty or merchantability or fitness for a particular purpose. This includes loss of data resulting from delays, no deliveries, wrong delivery, and any and all service interruptions caused by Vision Business Concepts Inc. and its employees.

Third Party Links

Occasionally we may provide links to various third party websites. We do this to provide you with a greater value, and create a better experience for your business. We never share your information with these third party sites. However, once you leave our site, third party websites operate under their own privacy policy. Tracking, cookies and information gathering is solely at their discretion.

Changes to this Policy

LoriOsterberg.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 Colorado 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: Denver, Colorado. 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: Denver, Colorado, 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.

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.

Copyright and Trademark Law

All editorial content and graphics on this site are protected by U.S. copyright and international treaties and may not be copied or re-used without the express written permission of LoriOsterberg.com, which reserves all rights.

ContactUs

Our full details are: Vision Business Concepts Inc

Email for Privacy Questions: info@LoriOsterberg.com]

Postal Address: 4950 S Yosemite St F2-306, Greenwood Village, Colorado 80111 USA

 

Visit Us On TwitterVisit Us On FacebookVisit Us On Linkedin