Terms

 

 

 

   
   

   

 

TERMS OF PURCHASE AND CONDITIONS OF USE

Thank you for visiting our website.
If you want to use this website, you must agree to conform to and be legally bound by the terms and conditions described below.

IF YOU DISAGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE OUR WEBSITE.

1. Minors.
We do not provide services or sell products to minors. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.

2. Privacy Policy Is Part Of These Terms And Conditions.
Our privacy policy is part of, and subject to, these terms and conditions of use. You may view our privacy policy on this site.

3. Anti-Spam Policy Is Part Of These Terms And Conditions.
Our anti-Spam policy is part of, and subject to, these terms and conditions of use.

4. Modifications And Terminations.
These terms and conditions may change from time to time. If such changes are made, they will be effective immediately, and we will notify you by a notice posted on our website’s home page of the changes that have been made. If you disagree with the changes that have been made, you should not use our website.
We may terminate these terms and conditions of use for any reason and at any time without notice to you.
If you are concerned about these terms and conditions of use, you should read them each time before you use our website.

5. Licensee Status.
You understand and agree that your use of our website is limited and non-exclusive as a revocable licensee. We may terminate your license to use our website, and access to our website, for any reason, and without giving you notice.

6. Content Ownership.
All content on our website is owned by us or our content suppliers. On behalf of ourselves and our content suppliers, we claim all property rights, including intellectual property rights, for this content and you are not allowed to infringe upon those rights. We will prosecute to the fullest extent of the law anyone who attempts to steal our property.
You agree not to copy content from our website without our permission. Any requests to use our content should be submitted to us by e-mail to admin@referlife.com. This e-mail address is being protected from spambots. You need JavaScript enabled to view it.
If you believe that your intellectual property rights have been infringed upon by our website content, please notify us by sending an e-mail to admin@referlife.com. This e-mail address is being protected from spambots. You need JavaScript enabled to view it. Please describe in detail the alleged infringement, including the factual and legal basis for your claim of ownership.

7. Disclaimers And Limitations Of Liability.
The information on our website is provided on an ”as is,” ”as available” basis. You agree that your use of our website is at your sole risk. We disclaim all warranties of any kind, including but not limited to, any express warranties, statutory warranties, and any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our website will always be available, access will be uninterrupted, be error-free, meet your requirements, or that any defects in our website will be corrected.
Information on our website should not necessarily be relied upon and should not to be construed to be professional advice from us. We do not guarantee the accuracy or completeness of any of the information provided, and are not responsible for any loss resulting from your reliance on such information.
If your jurisdiction does not allow limitations on warranties, this limitation may not apply to you. Your sole and exclusive remedy relating to your use of the site shall be to discontinue using the site.
Under no circumstances will we be liable or responsible for any direct, indirect, incidental, consequential (including damages from loss of business, lost profits, litigation, or the like), special, exemplary, punitive, or other damages, under any legal theory, arising out of or in any way relating to our website, your website use, or the content, even if advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to our website shall not exceed one penny ($0.01) and that amount shall be in lieu of all other remedies which you may have against us or our affiliates. Any such claim shall be subject to confidential binding arbitration as described later in these terms and conditions of use.

8. Obscene And Offensive Content.
We are not responsible for any obscene or offensive content that you receive or view from others while using our website. However, if you do receive or view such content, please contact us by e-mail so that we can investigate the matter. Although we are not obligated to do so, we reserve the right to monitor, investigate, and remove obscene or offensive material posted to our website.

9. Indemnification.
You understand and agree that you will indemnify, defend and hold us and our affiliates harmless from any liability, loss, claim and expense, including attorney’s fees, arising from your use of our website or your violation of these terms and conditions.

10. Compliance With Governing Law And Dispute Resolution.
You agree to obey all applicable laws while using our website.
You agree that the laws of the Province of Ontario and country of Canada govern these terms and conditions of use without regard to conflicts of laws provisions.
You also agree that any dispute between you and us, excluding any intellectual property right infringement claims we pursue against you, shall be settled solely by confidential binding arbitration per the Arbitration and Mediation Institute of Canada commercial arbitration rules. All claims must be arbitrated on an individual basis, and cannot be consolidated in any arbitration with any claim or controversy of anyone else. All arbitration must occur in province of Ontario , Canada . Each party shall bear one half of the arbitration fees and costs incurred, and each party is responsible for its own lawyer fees.

11. Severability Of These Terms And Conditions.
If any part of these terms and conditions of use are determined by a court of competent jurisdiction to be invalid or unenforceable, that part shall be limited or eliminated to the minimum extent necessary so that the remainder of these terms and conditions are fully enforceable and legally binding.

12. How To Contact Us.
Any questions or concerns about these terms and conditions of use should be brought to our attention by e-mail to this e-mail address is being protected from spambots. You need JavaScript enabled to view it, and providing us with information relating to your concern.

13. Entire Agreement.
These terms and conditions, including the policies incorporated herein by express reference, constitutes your entire agreement with us with respect to your use of our website.

 

These Terms and Conditions were last updated on January 4, 2020.

 
 
 

Policies & Procedures

ReferLife.com Policies and Procedures governing Independent Affiliate (I.A.) are outlined below.

A person or organization who solicits subscription purchases on behalf of ReferLife.com will be known as an Independent Affiliate (I.A.).

It is the responsibility of each and every Independent Affiliate to read and agree to these Policies and Procedures.

Be Sure to READ the ReferLife.com Privacy Policy and REFUND POLICY

ReferLife.com Refund Policy:

We have a 7 Day REFUND POLICY on your subscription Purchase. Once your payment has been processed, you will receive instant access through your subscription to all of our member benefits.

IMPORTANT NOTE:

When a person subscribes to ReferLife.com with the 7 DAY REFUND POLICY, they are agreeing that they have read and agree with the ReferLife.com 7 DAY REFUND POLICY. Anyone who tries to complete a charge back to their credit card provider after the 7 day refund window will have violated the agreement and will be terminated with all present and future commissions forfeited.

NO REFUND of a subscription purchase will be processed because a member has changed their mind after the 7 day window has passed. Because of this 7 DAY REFUND and RETURN POLICY, all customers agree that they have read and agree with the Terms of Purchase, Policy and Procedures as well as this REFUND and Return Policy.

By completing your Registration prior to submitting your Subscription Payment you agree that you have read and agree to all the Terms of Purchase, Policies and Procedures and this Return Policy
Commissions

A. Eligibility for Commissions
An I.A. must be active and qualified according to the Compensation Plan(s) in order to be eligible to receive any commission.

B. Commissions
Commissions are earned for the sale of Subscriptions and products or services to the people you refer to ReferLife.com who make a purchase or to anyone that falls within your commission structure. Commissions are paid out monthly as described below to your selected payment processor account. A USD $0.50 processing fee will be deducted from each I.A. commission payout.

Note: All referral commissions earned will be paid. Be sure to have your payment processor updated to accept your commissions from our back office.

VERY IMPORTANT

To ensure you receive your referral commissions, your choice of payment processor MUST be updated in your Back Office at ReferLife.com. Failure to do so may affect whether you receive your commissions.

ReferLife.com reserves the right to change commission payment methods at any given time, with proper notice being given to all I.A.'s.

Status as an Independent Affiliate

A. Maintaining Status as an Independent Affiliate and Member
Your access to the ReferLife.com Benefits, Services and the ReferLife.com Business Opportunity MUST be maintained in GOOD STANDING at all times. Any Affiliate who has not paid their monthly subscription fee will be considered not a member in good standing and will have broken the terms of the agreement and will be considered inactive without the benefits and privileges of PAID membership.

All members will be given a maximum 7 day grace period to get their monthly subscription fees paid. If subscription fees are not paid in the allowed period the unpaid position will be changed from PAID to FREE and all commissions will be forfeited until account is in good standing. An account may be deleted at any time after the 7 day grace period is passed.

B. Sale of a ReferLife.com Independent Affiliate Status or Business of a Independent Affiliate (I.A.) of ReferLife.com.
An Affiliate is NOT restricted from selling their ReferLife.com Independent Affiliate Status or Business for more than the ORIGINAL COST of the SUBSCRPTION PURCHASED. A Subscription purchase can be transferred to another person or may be sold for profit based on the value developed by the original owner (seller) or the value preceived by the purchaser.

All transfers or sale of ReferLife.com Licenses require the approval of ReferLife.com before any sale or transfer is considered valid and non-reversible.

C. Claims of Employment
An I.A. is an Independent Affiliate and not an employee of ReferLife.com. The position of the I.A. shall not be interpreted as creating a relationship of employee-employer, agency, partnership or joint venture between any participant, sponsor, referral and ReferLife.com. An I.A. or prospective I.A. is not and will not be employed by ReferLife.com. To say otherwise is misleading and subject to termination of I.A. status.

D. Contractual Obligations
All I.A.s are responsible for any expenses which result from their business operation. Miscellaneous expenses include, but are not limited to, legal fees connected with the use of a business name, license or permits required to operate a business, telephone expenses, product advertising, etc. The I.A. shall not involve ReferLife.com in any contractual relationships relative to their businesses. I.A.s cannot and shall not open bank accounts, sign contracts, rent or lease office space or equipment, secure credit, make purchases or enter into agreements of any kind in the name of ReferLife.com. Such action is prohibited and cause for termination of I.A. status. Each I.A. shall hold ReferLife.com its shareholders, directors, officers, proprietors and employees harmless from any claims, damages or liabilities arising out of such action.

No I.A. may make a statement of any kind that ReferLife.com, any of its entities or themselves are in any way associated or affiliated with any charitable organization. ReferLife.com is a business that chooses to donate a portion from proceeds from sales of subscriptions to different charities.

E. Reporting Taxes
I.A.s are not considered employees under any laws or acts governing employees. It is the I.A.’s responsibility to make self-employment and income tax payments as required by laws of their country. As such, ReferLife.com does not deduct any taxes from any commission and does not provide yearly statements for income tax purposes. Your earnings and income is trackable and reported in your ReferLife.com Back Office.

Business and Legal Entities as an Independent Affiliate

A. Companies
A sole proprietorship, partnership, Limited Liability Company (LLC) or corporation may become an I.A..

For a company to become a personal I.A., or to change their current representative status to another status, ReferLife.com must be notified in writing. Written notice is also required when changing an existing individual’s referral position status to a company.

B. Marriage
A husband and wife, common-law spouses/partners, and immediate family members MUST fall into the profit/business structure of the first person in the family that makes a purchase and registers with ReferLife.com.

C. Forfeiture
Violation of parts A and B in this section will result in the I.A. forfeiting his/her second and subsequent referral positions in the compensation plan and any current and future compensation from these positions. Violation of parts A and B in this section may result in the termination of your I.A. status and all associated commissions.

D. Multiple Subscription Purchases
Any person may register to the Referlife System and hold one position in our Global Matrix. No person can hold multiple positions in the exact same name or address being the same person more than once in our system. It is ok to have different names with the same address but any duplicate names will have one account deleted without question.

5.) Personal Identification Numbers

All I.A.s will have a unique Personal Identification Number that identifies them as an I.A. and Member of ReferLife.com. Personal ID Numbers must be used in all communications with ReferLife.com at all times.

6.) Rights and Obligations of an I.A.

A. Ethics
ReferLife.com conducts business in an ethical and credible manner and expects all I.A.'s to do the same. ReferLife.com permits no illegal or unethical activity and will intercede when such behavior may exist. ReferLife.com reserves the right in deciding whether certain I.A. activities are unethical. Furthermore, ReferLife.com may use its own discretion in determining the appropriate course of action. ReferLife.com reserves the right to suspend or terminate the I.A. status, including but not limited to all commissions if ReferLife.com determines that unethical activities may exist. Under no circumstances would an I.A. who is terminated for unethical or illegal activity be entitled to a refund of their original purchase fee, nor are they entitled to sell or transfer their position.

There are 3 levels of termination where if a member or affiliate is found to be involved with unethical activities, or activities considered detrimental to ReferLife.com in any way.

1: They may be placed on probation with all income lost for the suspended period. If they are reinstated after probation the lost income will be donated to charity on their behalf.

2: If not reinstated lost income goes to charity on their behalf. If temporarily terminated this would be for a 1 year period. At the end of the year the member would have to complete a new registration.

3: If permanently terminated this would mean that you would not be allowed to participate at any time in the future.

There will be an investigation prior to any decision being rendered where a probation or termination order is given.

B. Co-Mingling of Funds

An I.A. must make their payment payable to ReferLife.com only. No I.A. shall accept funds for membership fees and co-mingle them with their personal or business accounts. ReferLife.com may terminate any I.A. discovered co-mingling funds or operating a bank account in the name of ReferLife.com or any other similar name.

C. Territorial Rights/Obtaining Referrals across Borders

The I.A. is responsible for knowing and adhering to all laws and accepted business practices in the countries they choose to market. This includes but is not limited to Customs and Immigration Laws and accepted marketing practices.

7.) Sponsoring New Independent Affiliates

A. I.A. Agreements

New I.A.s must be of legal age to enter into a contract and complete a membership form online or download the hard copy version located at the company website. Membership fees may be paid by Visa, MasterCard, American Express, certified check (cheque), bank draft or money order. The start date of an I.A. is the date that their completed registration form is entered and payment received.

B. Representation

The I.A. shall make no claim or inference to prospective new members as to the anticipated or actual income an I.A. might earn. ReferLife.com makes no guarantees of income, nor assurances of any profits or success. Furthermore, any profits or success resulting from activities as an I.A. will be based upon new members obtained by their Sales Group. Any success achieved will be based solely upon the I.A.’s effort, commitment and skills.

Each I.A. understands that no governmental authority or other regulatory authorities ever reviews, endorses or otherwise approves any product membership or compensation program of any marketing company. As such, each I.A. shall make no such claim to a prospective I.A.. In the event that a question arises concerning ReferLife.com’s compliance with the law, such question shall be submitted to ReferLife.com in writing. The I.A. shall make no false claims or misleading statements concerning these relationships and understand that if they do, their relationship with ReferLife.com may be terminated and all commissions and bonuses forfeited.

The I.A. agrees to indemnify and hold ReferLife.com harmless from all claims, damages and expenses, including attorney fees arising out of actions or conduct in violation of the Policies and Procedures, and Terms and Conditions.

C. I.A. Disputes
ReferLife.com may or may not mediate any disputes between two or more I.A.s. ReferLife.com does, however, reserve the right to review referral practices. Any decisions made by ReferLife.com will be final.

D. Changing your Sponsor
Maintaining the integrity of the referral system is paramount. Therefore, changing referrals is strictly prohibited.

An I.A. may join ReferLife.com under a new referral only after a period of no less than 1 full calendar year from the date of resignation or no less than 1 full calendar year after an I.A. fails to renew. All resignations must be in writing and delivered to ReferLife.com.

ReferLife.com reserves the right to change a member's or Independent Affiliate's sponsor if;

a: the sponsor has been inactive and unsupportive of his referral for a period that exceeds 6 calendar months

b: it is found that unethical or misleading practices were used by a sponsor and complaints were raised against the sponsor.

These are the 2 issues where ReferLife.com at its discretion may take action and move a referral from a sponsor. This is only done after an investigation is completed and a ruling is given.

8.) Maintaining/Changing the Status of your Business

A. Monthly Subscription Membership Fee
There is a monthly subscription fee to access benefits. Renewal payments are required no later than 7 days after the I.A.’s payment due date. If ReferLife.com does not receive the monthly fee within 7 days of the payment due date, ReferLife.com will assume that the I.A. does not wish to renew his/her status with ReferLife.com. The I.A. will then be placed in inactive status or may be deleted after the 7 day grace period, and all future commissions will be forfeited. If an I.A. decides to a renew membership at some later date, he/she may do so but if the position has been deleted then the I.A. must register as a new Affiliate. It is the I.A.’s responsibility to ensure that ReferLife.com has his/her accurate and current address and contact information. ReferLife.com is not responsible for an I.A. who fails to renew their monthly subscription fee.

B. Transferring or Assigning Your I.A. Status
ReferLife.com restricts the transfer of an I.A. status in order to protect the integrity of the business opportunity. All requests for the transfer of an I.A. status must be reviewed and approved by ReferLife.com. For more information, please contact us at admin@referlife.com

The I.A. status WILL NOT be considered transferred until it is approved by ReferLife.com. Therefore, DO NOT accept any funds from the potential buyer until the transfer has been approved and finalized. ReferLife.com charges USD $500 plus applicable taxes to process any approved transfer or approved sales.

No sale of a License or Subscription of an Independent Affiliate or Member is to exceed the original purchase price paid for the item.

C. Transfer/Disposition of I.A. Position
Upon the death or incapacity of an I.A., or of its principals, the rights to the commission and marketing position shall pass to the designated successor, provided this successor complies with all the terms of the ReferLife.com agreement, ReferLife.com’s Policies and Procedures and fulfills the duties and obligations required of an I.A.. If the transfer is temporary (i.e. the I.A. is temporarily incapacitated), the subsequent activation and deactivation will be temporary.

D. Change of e-mail address and change of information
An I.A. must report any change of e-mail address or other information to both ReferLife.com and their chosen method for commission payment. This may be accomplished by updating your personal information online at www.ReferLife.com.

9.) Advertising and Promotion

A. Use of Corporate Marks
No I.A. may use ReferLife.com business, trade or corporate name, trademark, service mark, logo ("Corporate Marks") or copyrighted material of ReferLife.com without the prior express written consent of ReferLife.com. Such misuse or infringement of this prohibition may result in ReferLife.com taking disciplinary action that may include, but not limited to, termination of I.A. rights as well as loss of current and future commissions.

The I.A. must promptly cooperate with ReferLife.com in connection with a request to discontinue any unauthorized use of ReferLife.com’s Corporate Marks or copyrighted materials.

B. Websites
Websites that are operated by an I.A. are restricted from using the name, trademarks or logos of ReferLife.com unless approved in writing by ReferLife.com. No ReferLife.com forms or documents can be copied or placed onto any other website without approval.

C. Approved Literature/Referral Aids
An I.A. shall utilize and distribute only the literature, forms and referral aids provided and approved by ReferLife.com.

ReferLife.com prohibits the distribution or use of any literature, advertisements, flyers, recordings, etc., bearing or referencing the name and/or logo of ReferLife.com, unless approved in writing by ReferLife.com.

ReferLife.com prohibits the distribution or resale of any referral aids. Any action of this nature may result in termination.

D. Media Inquiries and Personal Appearances by an I.A.

In order to assure accurate and consistent information is provided to the public I.A.s shall not respond to any form of media inquiries regarding ReferLife.com, its services or products. Refer all media inquiries to ReferLife.com at admin@referlife.com

E. Advertising Media
Approval and written consent of ReferLife.com is required to advertise via electronic media. This includes but not limited to television, radio, internet and/or cable advertising. Use of ReferLife.com’s name in a telephone number, directory listing or website address is also prohibited.

F. NO SPAM POLICY, Third Party Solicitation, Conventions and Trade Shows
ReferLife.com prohibits I.A.s from using conventions and trade shows as means of marketing the ReferLife.com program unless approved through corporate office.

The I.A. is prohibited from third party solicitation by spamming, fax blasting, direct mail, contests, telemarketing, sweepstakes and drawings. ReferLife.com only authorizes referrals by means of personal solicitation of memberships.

10.) Indemnification

Each I.A. agrees to indemnify and hold ReferLife.com, including without limitations its directors, officers, employees, and shareholders from any and all liabilities, claims, expenses and damages (including attorneys’ fees and costs) arising out of the use of this site, which also includes but not limited to, the products and compensation plan in any manner what so ever.

11.) Compliance

These Policies and Procedures were created to define the relationship that exists between the I.A. and ReferLife.com. These Policies and Procedures ensure acceptable conduct of daily business operations. It is important that you read and understand the Policy and Procedures, and Terms and Conditions before registering as an I.A.. It is equally important that you frequently check the ReferLife.com web site for revised versions. All I.A.s are bound by the Policies and Procedures, and Terms and Conditions, and any amendments made to them. ReferLife.com reserves the right to amend the Polices and Procedures as ReferLife.com deems necessary. Any I.A. who violates any provision of the Policies and Procedures, may be promptly terminated by ReferLife.com. Termination cancels any and all rights. Any disputes between an I.A. and ReferLife.com in relation to any part of the Policy and Procedures, and Terms and Conditions will be resolved through binding arbitration by the board of directors. An I.A. who is terminated will not be entitled to the refund of their original membership fees or any commissions or bonuses of any sort.

By submitting your registration and payment for your license and subscription to ReferLife.com you are confirming that you have read and agree with the Terms and Conditions of your subscription purchase, as well as to these Policies and Procedures that govern ReferLife.


These Policies and Procedures were last updated on January 4, 2020.

 

 

Privacy Policy

1. How We Protect Your Privacy.
This privacy policy tells you how we collect, use, and protect your personal information. By visiting our website, you accept and agree to the terms and conditions of this privacy policy. In particular, you consent to our collection and use of your personal information as described in this privacy policy.

2. Minors.
We do not provide services or sell products to minors. If you are below the age of 18, you may use our website only with the permission and active involvement of a parent or legal guardian. If you are a minor, please do not provide us or other website visitors with any personal information.

3. Privacy Policy Is Part Of Our Terms And Conditions Of Use.
Our privacy policy is part of, and subject to, our website’s terms and conditions of use. You may view these terms and conditions on this site.

4. The Type Of Information We Collect From You.
Like most places on the Internet, simply by visiting our website you automatically tell us certain information. This includes basic information such as your IP address, when you visited, the website from where you came prior to visiting us, the website where you go when you leave our website, your computer’s operating system, and the type of web browser that you are using. Our website automatically records this basic information about you. And like many other websites, we may use cookies. In plain English, this means information that our website’s server transfers to your computer. This information can be used to track your session on our website. Cookies may also be used to customize our website content for you as an individual. If you are using one of the common Internet web browsers, you can set up your browser to either let you know when you receive a cookie or to deny cookie access to your computer. We may also collect any data that you provide us by posting it at our website or by e-mail. You can always choose not to provide us with information. However, if you do withhold information, we may deny you access to some or all of our website’s services and features. Some transactions between you and our website may involve payment by credit card, debit card, checks, money orders, and/or third party online payment services. In such transactions, we will collect information related to the transaction as part of the course of doing business with you, including your billing address, telephone number, and other information related to the transaction.

5. What We Do With Your Information.
We use your information to operate our website’s business activities. For example, we may use this data to contact you about changes to our website, new services, or special offers, resolve disputes, troubleshoot issues, and enforce our website’s terms and conditions. As a general rule, we will not give your data to third parties without your permission. However, there are some important exceptions to this rule that are described in the following paragraphs.
We may, in our sole discretion, provide information about you to law enforcement or other government officials for purposes of fraud investigations, alleged intellectual property infringement, or any other suspected illegal activity or matters that may expose us to legal liability. Although we do not disclose individually identifiable information, we may disclose aggregate data about our website’s visitors to advertisers or other third parties for marketing and promotional purposes.

From time to time, we may use third party suppliers to provide services on our website. If a supplier wants to collect information about you, you will be notified. However, you will never be required to give information to a third party supplier. We restrict the way third party suppliers can use your information. They are not allowed to sell or give your information to others.

6. User Names And Passwords.
Your access to parts of our websites may be protected by a user name and a password. Do not give your password to anyone. If you enter a section of our website that requires a password, you should log out when you leave. As a safety precaution, you should also close out of your web browser completely and re-open it before viewing other parts of the Internet.

7. Your Use Of Information And Unsolicited Junk E-Mail.
If you obtain personally identifiable information about another website user, you are not allowed to disclose this information to anyone else without the consent of the user and our consent too. We disapprove of junk e-mail (Spam). Information you obtain from our website about us or other site users cannot be used by you or others to send unsolicited commercial e-mail or to send unsolicited commercial communications via our website’s posting or other communication systems.

8. Your Voluntary Disclosure Of Information To Third Parties Who Are Not Our Suppliers.
You may choose to provide personal information to website visitors or other third parties who are not our suppliers. Please use caution when doing so. The privacy policies and customs of these third parties determine what is done with your information.

9. Autoresponders.
We may use autoresponders to communicate with you by e-mail. To protect your privacy, we use a verified opt-in system for such communications and you can always opt-out of such communications using the links contained in each autoresponder message.

10. Policy Changes.
The terms of this policy may change from time to time. If such changes are made, we will notify you by a notice posted on our website’s home page of the changes that have been made. If you disagree with the changes that have been made, please contact us (by e-mail, using a website contact form, or in writing by mail), and any changes made to this policy will not apply to information we have collected from you prior to making the changes.

If you are concerned about the topic covered by this policy, you should read it each time before you use our website.

This Privacy Policy was last updated on January 4, 2020