PRIVACY POLICY
EC360, LLC and 360 Group LLC have created this privacy policy (the "Privacy Policy"),
is as follows:
As consumer advocates, we've taken every measure to ensure your privacy. Your personal
data will be treated with confidentiality at all times. We are committed to ensuring
your privacy as prospect or client. We understand the sensitivity with which your
personal information should be handled. In addition to providing our users numerous
privacy-handling features, we have created this Policy in order to demonstrate in
writing our firm commitment to privacy. The following discloses our information
gathering and dissemination practices for our site domains HowToTorial.com, EC360.org,
and Howtosavemoney360.com. Our "Security Pledge" protects you while you use our
site limiting your exposure. Our servers use Secure Sockets Layer (SSL), an encryption
technology that helps protect your personal information. Furthermore, your information
is immediately encrypted into a scrambled message that can only be decrypted by
an authorized computer. As a visitor to our site, it automatically recognizes your
Internet service provider or browser, but you cannot be identified as an individual.
We do collect information on specific pages that are accessed on our site. We use
this information as a benchmark to improve your overall Internet experience. We
also keep track of information volunteered during the pre qualification process.
However, we keep this information confidential. If you have any questions about
our privacy policy or "Security Pledge" please email us at info@ec360.org. We use
your IP address to help diagnose problems with our server, and to administer our
web site. Our site's submission form requires users to give us contact information
(like their email address). Subject to limitations defined by our users, such information
is secured within our server. While we cannot guarantee 100% the information will
not be hacked, all technical and monetary resources are put to the task of security
and multiple layers of redundancy and encryption to allow our users the comfort
of knowing their customers information is safe.
We also go to great lengths to offer our full disclosure and transparency policy
so that all clients have the ability to login to our fulfillment platform to see
their file as it progresses. Nothing is ever hidden from you.
Opt-Out/Discontinuation
Our site provides users with the opportunity to opt-out of or discontinue receiving
communications from us collectively (YOU) the user.
Deletion
Our site gives users the ability to contact us at anytime and request removal of
their information from our database or the frequent reminders about our Blog on
new content.
EC360, LLC, HowToTorial, and 360 Group LLC, Terms & Conditions
The companies make educational materials available to the public and has made its
best efforts to keep the content current and up to date. We are constantly updating
our materials based on changes in the marketplace. We make no claims to the specific
success from our services as each person’s situation is unique and no one can guarantee
success. We spend significant time in the pre qualification process with each client
at NO COST. Our detailed pre qualification is not intended to replace legal advice
from a licensed accountant, Realtor, CPA, attorney or tax adviser, and based on
your situation it may be prudent for you to seek professional advice, and will always
recommend this to you as well.
1. Acceptance of Terms By using this website, you agree to be legally bound by all
of the terms of this Agreement. We reserve the right to change the terms of this
Agreement or to change, modify or otherwise alter any features of this website at
any time and for any purpose without notice. You should visit this page regularly
and review this Agreement for the current terms of this Agreement, since your continued
access or use of the website will be deemed as an irrevocable acceptance of any
such changes, modifications or alterations.
2. Representations By using this website you represent and warrant that you have
legal capacity to enter into this Agreement (i.e., that you are of sufficient age
and mental capacity and are otherwise entitled to be legally bound in contract).
You represent that you have read and agree to abide by this Agreement, and that
you have read our Privacy Policy.
3. Accessing this website is free, however you will be required to register should
you want to download the free e-book. Registration requires your name, email only.
4. Copyrights and Trademarks
(a) This website and all materials incorporated on this website (including, but
not limited to text, photographs, graphics, video and audio content) are protected
by copyrights, including, without limitation, EC360, LLC® , The word HowToTorial
® from the book published in 2006 ("Trademarks").
(b) Any use of the linking feature may be used only as specifically described on
the website.
(c) All down loadable or Printable PDFs, audio and video are intended only for personal
use and may be shared with others but may not be sold.
5. Restrictions on Use of Materials
(a) The information contained on this website and within our HowToTorial presentations
is designed to educate consumers and in no way guarantees any specific results as
each person’s situation is unique.
6. Other Terms and Conditions
(a) Additional terms and conditions may apply to purchases of services all of which
terms are made a part of this Agreement by this reference. You agree to abide by
such other terms and conditions, including where applicable representing that you
are of sufficient legal age to use or participate in such services. If there is
a conflict between this Agreement and the terms posted for or applicable to a specific
portion of the website or for any service offered on or through the website, the
latter terms shall control with respect to your use of that portion of the website
or the specific service.
(b) Company obligations, if any, with regard to its services are governed solely
by the agreements pursuant to which they are provided, and nothing on this website
should be construed to alter such agreements.
7. Disclaimer of Warranties
YOUR USE OF THIS WEBSITE IS AT YOUR OWN RISK. THIS WEBSITE AND ALL THE MATERIALS,
INFORMATION, SERVICES AND OTHER CONTENT CONNECTED TO THIS WEBSITE ARE PROVIDED "AS
IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EC360 DISCLAIMS ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. EC360
DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THIS WEBSITE WILL BE AVAILABLE,
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE HOW TO
SAVE MONEY360 WEBSITES OR THE SERVERS THAT MAKE THEM AVAILABLE ARE FREE OF VIRUSES
OR OTHER HARMFUL COMPONENTS. COMPANY DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS
REGARDING THE USE OR THE RESULTS OF THE USE OF THE MATERIAL, INFORMATION, SOFTWARE,
FACILITIES, SERVICES OR OTHER CONTENT IN THIS WEBSITE OR ANY SITES LINKED TO THIS
WEBSITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. EMPOWERED
CONSUMERS MAKES NO WARRANTIES THAT YOUR USE OF THE MATERIALS, INFORMATION, SOFTWARE,
FACILITIES, SERVICE OR OTHER CONTENT IN THIS WEBSITE WILL NOT INFRINGE THE RIGHTS
OF OTHERS AND COMPANY ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS
IN SUCH MATERIALS, INFORMATION, SOFTWARE, FACILITIES, SERVICE OR OTHER CONTENT OF
THIS WEBSITE. IF APPLICABLE LAW DOES NOT ALLOW THE EXCLUSION OF SOME OR ALL OF THE
ABOVE IMPLIED WARRANTIES TO APPLY TO YOU, THE ABOVE EXCLUSIONS WILL APPLY TO YOU
ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.
8. Limitation of Liability
COMPANY DOES NOT ACCEPT ANY LIABILITY FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT,
PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPLARY OR OTHERWISE) RESULTING
FROM ANY USE OF, OR INABILITY TO USE, THIS WEBSITE, OUR WEBINARS, VIDEOS OR THE
MATERIAL, INFORMATION, SOFTWARE, FACILITIES, SERVICES OR OTHER CONTENT ON THIS WEBSITE,
REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED AND EVEN IF COMPANY HAS
BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE. WITHOUT LIMITATION, YOU
(AND NOT THE COMPANY) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR
OR CORRECTION IN THE EVENT OF ANY SUCH LOSS OR DAMAGE ARISING. IF APPLICABLE LAW
DOES NOT ALLOW ALL OR ANY PART OF THE ABOVE LIMITATION OF LIABILITY TO APPLY TO
YOU, THE LIMITATIONS WILL APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE
LAW.
9. Forums
THE MATERIALS, INFORMATION AND OPINIONS INCLUDED AND/OR EXPRESSED IN OR ON BULLETIN
BOARDS, CHAT ROOMS, COMMUNITY PAGES OR OTHER FORUMS REALTING TO THIS WEBSITE ("FORUMS/BLOGS")
ARE NOT NECESSARILY THOSE OF THE COMPANY OR ITS AFFILIATED OR RELATED ENTITIES OR
CONTENT PROVIDERS. COMPANY DOES NOT UNDERTAKE TO MONITOR OR REVIEW FORUMS, AND THE
CONTENT OF FORUMS IS NOT THE RESPONSIBILITY OF COMPANY. COMPANY MAY REMOVE OR MODIFY
ANY CONTENT WITHOUT NOTICE OR LIABILITY AT ANY TIME IN ITS SOLE DISCRETION. ANY
USE OF THE FORUMS OR OUR REVIEW SECTION WILL BE AT YOUR OWN RISK AND WILL BE SUBJECT
TO THE ABOVE DISCLAIMERS AND LIMITATIONS ON LIABILITY.
10. Emails and Communications
(a)In the event you send email or pre qualification forms via our online form, it
will be treated as confidential but there is no guarantee of confidentiality. Send
emails at your own risk due to the uncertainty of security online in today’s world.
(b) Company requires that you do not post e-mails or submit to or publish through
Forums or otherwise make available on this website any content, or act in a way,
which in our opinion:
(i) libels, defames, invades privacy, stalks, is obscene, pornographic, racist,
abusive, harassing, threatening or offensive;
(ii) seeks to exploit or harm children by exposing them to inappropriate content,
asking for personally identifiable details or otherwise;
(iii) infringes any intellectual property or other right of any entity or person,
including violating anyone's copyrights or trademarks or their rights of publicity;
(iv) violates any law or may be considered to violate any law;
(v) you do not have the right to transmit under any contractual or other relationship
(e.g., inside information, proprietary or confidential information received in the
context of an employment or a non-disclosure agreement);
(vi) advocates or promotes illegal activity;
(vii) impersonates or misrepresents your connection to any other entity or person
or otherwise manipulates headers or identifiers to disguise the origin of the content;
(viii) advertises any commercial endeavor (e.g., offering for sale products or services)
or otherwise engages in any commercial activity (e.g., conducting raffles or contests,
displaying sponsorship banners, and/or soliciting goods or services) except as specifically
authorized on this website;
(ix) solicits funds, advertisers or sponsors;
(x) includes programs which contain viruses, worms and/or "Trojan horses" or any
other computer code, files or programs designed to interrupt, destroy or limit the
functionality of any computer software or hardware or telecommunications;
(xi) disrupts the normal flow of dialogue, causes a screen to scroll faster than
other users are able to type, or otherwise act in a way which affects the ability
of other people to engage in real time activities via the website;
(xii) copies any other pages or images on this website except with appropriate authority;
(xiii) includes recorded Tutorial files, or other format files;
(xiv) amounts to a "pyramid" or similar scheme;
(xv) disobeys any policy or regulations established from time to time regarding
use of this website or any networks connected to this website; or
(xvi) contains links to other sites that contain the kind of content that falls
within the descriptions set out at (i) to (xv) above.
(f) In addition, you are prohibited from removing any sponsorship banners, similar
promotional displays and inserts or other material inserted by Company anywhere
on this website (e.g., on any web space made available for your use).
11. Local Regulations
company makes no representation that materials or other content in the website are
appropriate or available for use outside the United States, its territories, possessions
and protectorates. If you choose to access the website from other locations you
do so on your own initiative and at your own risk. You are responsible for complying
with local laws, if and to the extent local laws are applicable. You specifically
agree to comply with all applicable laws concerning the transmission of technical
data exported from the United States or the country you reside in.
12. Indemnity
You agree to indemnify and hold harmless Company, its directors, officers, shareholders,
parents, subsidiaries, affiliates, agents, and licensors, from and against all losses,
expenses, damages and costs, including reasonable attorneys" fees, resulting from
your breach of any of the foregoing provisions, representations or warranties, and/or
from your placement or transmission of any content onto the website's servers, and/or
from any and all use of your account in violation of this Agreement or the failure
to fulfill any obligations relating to your account incurred by you or any other
person using your account. We reserve the right to take over the exclusive defense
of any claim for which we are entitled to indemnification under this Section. In
such event, you shall provide us with such cooperation as is reasonably requested
by us.
13. Applicable Law and Jurisdictional Matters
This Agreement shall be governed by, construed and enforced in accordance with the
laws of the State of Arizona, in Maricopa County, as they are applied to agreements
with the Company who’s headquarters is based in Arizona, but our services may be
performed in states outside Arizona.
14. Severability
If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable,
then that provision shall be deemed severable for this agreement and shall not affect
the validity and enforceability of any remaining provisions. This is the entire
agreement between the parties relating to the matters contained herein.
IF YOU DO NOT AGREE TO BE LEGALLY BOUND BY ALL OF THE FOREGOING TERMS, PLEASE DO
NOT ACCESS AND/OR USE THE WEBSITE.