Privacy Statement: This web site is owned and operated by Your L.I.F.E Matters, Inc. All sites owned an operated under the umbrella of Your L.I.F.E. Matters are designed to show the way towards taking life’s most grueling difficulties and using the pain of that as a crucible to transform personal pain into personal power. In keeping with its mission, Your L.I.F.E. Matters is committed to honoring the privacy of all who use the site by supporting the following principles: Consumer Choice.

Visitors to this site are the ones to best determine

• When-and under what conditions-to provide “personally identifiable information” (e.g. data that may be used to identify, contact, or locate a person).

• When such information may be shared with other organizations.

• When to remain anonymous.

Informed Consent

If personally identifiable information is collected, a visitor to this site has the right to:

• Know when personal information is being collected.

• Know what personal information is collected, and the purpose of collection.

• Expect the opportunity to choose whether or not personal information will be provided to any third parties.

• Expect reasonable steps to be taken to protect personal information from unauthorized use.

Personal Information Collected

In general, when you visit this web site and access information you remain anonymous. Registration requiring you to provide personal information is not released to any other users of this site, or elsewhere. There are occasions when additional information is requested to better understand and respond to your needs, and provide you with services that may be valuable to you. For example, personally identifiable information will be collected in order for you to become a member of the online forum.

Use of Information

Personally identifiable information is not made available to other non-profit organizations or to for-profit organizations unless you request otherwise. Your personal information will not be made available to other organizations.

Security of Your Credit Card Information

All appropriate steps are taken to protect your privacy and your personal information in storage. For example, if you supply credit card information to become a member or make a donation, the card number is encrypted.

Links to Third Party Sites

From time to time, Your L.I.F.E. Matters provides links to third party sites. Those web sites are separate, and you are encouraged to review the privacy policies posted on these third party sites.

Cookies – What are “Cookies”?

“Cookies” are small files sent from a Web server to your computer through your browser program. There are two types of cookies: non-persistent and persistent cookies. A non-persistent cookie enables a web site to temporarily keep information on your computer as you travel from one page to another on our site. This cookie is automatically deleted from your machine when you close your browser. Because these cookies are necessary to provide some functions, failure to allow such cookies may make some of the functions on our web site unavailable to you. A persistent cookie is kept even when you close your browser. You can manually delete these cookies using commands specific to your browser and computer system. These cookies store information that would generally not change from session to session. They also contain information that would need to be reentered by you each time you visit the web site. For example, a common use of persistent cookies is to allow a registered site visitor to enter the site without having to specify their user-ID and password.

Use of Cookies

Your L.I.F.E. Matters uses cookies gathered only from it’s own sites. It does not use cookies to obtain information on other Web sites that you may visit. Cookies may be used to store some history about the parts of this site or sites that you have visited to help you navigate it more easily or to alert you to related pages here that may interest you.

Electronic Mail sent to us containing personal information

You may decide to send Your L.I.F.E. Matters personally identifying information, for example, in a message containing information about your membership. We will only use this information to identify you as a member of the online forum and to determine how to respond to the electronic mail. This information will not be used for any purpose other than to resolve the matter identified in the email.

Questions

Your L.I.F.E. Matters welcomes comments and questions on this policy. We are dedicated to protecting your personal information, and will make every reasonable effort to keep that information secure.

If you have any questions, please contact hostmaster@theresiliencezone.com

Due to the rapidly evolving technologies on the Internet, this policy may occasionally be updated. All revisions will be posted to this site. A revised Privacy Policy will apply only to data collected subsequent to its effective date.

Terms and Conditions: User Conduct

You agree to abide by all applicable local, state, national and international laws and regulations regarding your use of this service.

Limitation of Liability

Under no circumstances, including, but not limited to, negligence, shall Your L.I.F.E. Matters, it’s representatives, or subsidiary sites or affiliates be liable for any direct, indirect, incidental, special or consequential damages that result from the use of, or the inability to use, Your L.I.F.E. Matters materials. You specifically acknowledge and agree that Your L.I.F.E. Matters and its representatives are not liable for any defamatory, offensive or illegal conduct of any user. If you are dissatisfied with any material on membership forums or pages, or with any of the terms and conditions, your sole and exclusive remedy is to discontinue using them.

Restrictions on Use

The material on this site is protected by international copyright and trademark laws. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute in any way any material from this site. You may download material from this site for your personal, non-commercial use only, provided you keep intact all copyright and other proprietary notices. Specific restrictions on use of material includes text, photo, graphic, audio, and/or video material shall not be published, broadcast, rewritten for broadcast or publication or redistributed directly or indirectly in any medium. Neither these materials nor any portion thereof may be stored in a computer except for personal and non-commercial use. Your L.I.F.E. Matters will not be held liable for any delays, inaccuracies, errors, or omissions therefrom, or in the transmission or delivery of all or any part thereof or for any damages arising from any of the above.

License to Use

By posting messages, uploading files, inputting data, or engaging in any other form of communication through this service, you are granting Your L.I.F.E. Matters a royalty-free, perpetual, non-exclusive, unrestricted, worldwide license to:

Use, copy, sublicense, adapt, transmit, publicly perform or display any such communication. Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication. The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction.

Credit Card

You agree that you are an authorized user of any credit card that you supply to us, and you understand and agree that we have an obligation to fully investigate any possible fraudulent credit card use. If you are under 18 years of age, you must have parental consent in order to purchase tickets and participate in Your L.I.F.E. Matters products.

Unlawful or Prohibited Use

As a condition of your use of the Your L.I.F.E. Matters Service you warrant to the company that you will not use the Your L.I.F.E. Matters Service for any unlawful purpose.

Zero Tolerance Spam Policy

Your L.I.F.E. Matters takes a zero tolerance stance against sending of unsolicited e-mail, commonly known as spam. Any user who sends out spam will have their account terminated without notice, and will be billed at a rate of $10 for each recipient to whom the message was sent, regardless of whether the messages were sent from our server, or from another server advertising a site hosted on our servers. All commercial mailings must also comply with the CAN-SPAM act and any other applicable federal, state or local laws. Your L.I.F.E. Matters reserves the right to require changes or disable as necessary any website, account, database, or other component that does not comply with this policy, at its sole discretion. Your L.I.F.E. Matters also reserves the right to make any such modifications in an emergency at our sole discretion.

Waiver

The failure of Your L.I.F.E. Matters to enforce a provision of this Agreement shall not be construed as a waiver or limitation of the right of Your L.I.F.E. Matters to subsequently enforce and compel strict compliance with every provision of this Agreement.

Modification of Terms

Your L.I.F.E. Matters reserves the right to modify this policy at any time and without advance notice, effective upon making the modified provisions available on the Your L.I.F.E. Matters Website. You are responsible for regularly reviewing these documents. Continued use of the Your L.I.F.E. Matters Services after any such changes shall constitute your consent to such changes. Your L.I.F.E. Matters does not and will not assume any obligation to notify you of any changes to the Terms of Service.

Refund Policy

Since most products consist of downloads, there is nothing to exchange. Your L.I.F.E. Matters issues no refunds unless expressly designated on any one specific offer, and a refund is included on an offer, it’s at our sole discretion if requested within 30 days of purchase. Requests for refunds must be made in the following manner to be considered:

The refund request has to be in writing via letter; and

That the customer shall have paid for by Visa or MasterCard or debit card via our website.

There are no refunds on individual audio downloads or gift cards.

Refund Procedures

No refunds on courses. All other inquiries:

Your L.I.F.E. Matters, Inc.

PO Box 1173

Jacksonville, OR 97530

Information Required in the letter:

•Contact person’s name

•Copy of contact person’s ID

•Contact person’s local phone number and address

•Person’s local bank account number for refund, name of the bank and account holder’s name

•Money order or postal note number or copy of the slip

•Date and method of the purchase

Standard turnaround time for refund is within one month from the date the customer request is received. The customer will be notified of its decision to refund or to reject the refund request for the reasons stated in this policy within one month from the date the customer refund request letter is received.

Payment Page

All funds are in U.S. dollars. The security of your personal information is very important, and Your L.I.F.E. Matters is committed to protecting the information that is collected. While there can be no absolute security guarantee of your personal information, Your L.I.F.E. Matters uses firewalls and Secure Socket Layers for all personal data collected from you. There are also many different security techniques employed to protect personal data against loss, misuse, alteration, and unauthorized access. After payment, downloads should be immediately available or within a few minutes of processing. If you encounter any problems, please contact customer support.

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Legal Disclaimer: Every effort has been made to accurately represent our programs and their potential. The testimonials and examples used are exceptional results, don’t apply to the average attendee/purchaser and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individual’s success depends on his or her background, dedication, desire, and motivation. As with any personal growth endeavor, there is an inherent risk of uncovering additional issues you may have been unaware of previously and you are responsible for the integration of whatever arises yourself. There is no guarantee, explicit or implied, that you will change your life, thinking or behavior.

If you need to contact us for issues, please email: payments@focusandlearn.com