You hereby acknowledge that you are authorized and have the capacity to enter this agreement and its terms without reservation. You agree that these terms are supported by valuable consideration, the receipt and adequacy of which are hereby acknowledged. By way of example, such consideration includes Debra Silverman Astrology’s grant of a limited nonexclusive license to you to view or access the content, data and materials, and conveniently submit certain information.
TYPES OF INFORMATION COLLECTED
PERSONALLY IDENTIFIABLE INFORMATION:
In certain transactions or forums, we allow you to voluntarily submit your personally identifiable information including:
- birth date;
- birth time;
- place or state of birth;
- e-mail address,
- e-mail correspondence;
- postal mailing address,
- home/mobile telephone number,
- bank account information;
- credit card number,
- card verification value,
- billing information;
- employment history;
- social security numbers; and
You are not required to supply the aforementioned information, except if you wish to use certain features on the Site. For example, the Site may call for a user to voluntarily create a user log-in profile/ID or permit an online transaction. These features require the Debra Silverman Astrology to verify certain information so as to complete the requested transaction. As a part of the verification or profile process, you may be required to submit the personally identifiable information above.
USAGE TRACKING AND “AUTOMATICALLY COLLECTED” INFORMATION:
The Site may track and collect categories of information when you visit the Site such as the: (1) IP addresses; (2) domain servers; (3) types of computers accessing the Site; and (4) types of web browsers used to access the Site (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you but is helpful for marketing purposes or for improving your experience on the Site. We also use “cookies” to customize content specific to your interests, to ensure that you do not see the same advertisement repeatedly, and to store your password so you do not have to re-enter it each time you visit the Site.
Cookies or text files may be placed on your computer when you use the Site. A cookie cannot read data off your hard disk or read cookie files created by other sites. Cookies may be of limited duration, which will disappear after you exit the Site or they may be there for unlimited periods of time, even after you leave the Site. The cookie will enable us to understand and relate your use of this Site to information we provided or may provide in the future. Some cookies may contain personal information that you voluntarily provided. In addition, the cookie may be encrypted so as to authenticate you on other pertinent parts of the Site.
You should also note that you will be able to remove any of the cookies we place on your hard drive. If you feel you cannot do so, please e-mail email@example.com.
HOW WE MAY USE YOUR INFORMATION
Generally, Debra Silverman Astrology uses any information obtained from or for the Site to operate and enhance the various features and services found on the Site, or, for other components of our business. We do not share your personally identifiable information to any third parties for their marketing purposes or marketing services unrelated to our business. For example, we use the personal information about you stored in our member database:
- To facilitate and track online transactions;
- To acknowledge receipt of your payments for tax purposes and to help prevent fraudulent transactions;
- To provide you updated Site information, publications or notices about/from Debra Silverman Astrology;
- To provide materials about our services or the services of certain affiliated properties;
- To improve Site flow and usability, tailor content to your needs, and make it more responsive to our users’ preferences.
SECURITY: We have taken commercial reasonable steps to ensure the security of all data we collect through this service and may use encryption software at certain transaction points. However, in the event that you are subject to fraudulent charges, you agree to notify our office, and your bank and credit card associations in accordance with standard reporting rules and procedures.
ELECTRONIC PAYMENT & CREDIT CARD TRANSACTIONS:
We offer a convenient payment feature to submit payments for our services and products via credit card. You are/are not required to submit all payments via credit card through our website. If you do wish to voluntarily use the payment feature, you represent that you are over the age of 18 and understand that you are transacting with a Colorado business, and are taking advantage of services in the County of Boulder, Colorado notwithstanding your current location.
When you initiate an electronic payment, you are requesting an electronic monetary transfer from your financial institution or requesting a credit advance for the amount you submit through the relevant page. By submitting your information on a one time basis or recurring basis, you agree and authorize Debra Silverman Astrology to contact your financial institution and request those funds to satisfy any financial obligation you currently owe. A third-party financial institution manages the processing of transactions, which receives credit card numbers and other personal identifying information only to verify the credit card numbers and process transactions. After you submit the information, you acknowledge that you might not be able to cancel the electronic transfer. You authorize Debra Silverman Astrology to discuss any issues relating to the submission of the electronic payment with your financial institution.
If your financial institution reports insufficient funds during the electronic payment transaction, you agree to allow Debra Silverman Astrology to confirm with your financial institution the accuracy of such report. You agree and acknowledge that Debra Silverman Astrology may use this information for credit reporting purposes.
You should note that we may use an automatic clearing house (ACH) network to process some payment transactions. Further, we may utilize “real time” processing or “batching” processing to complete any transaction. If we use a real time process, your payment may be processed and cleared at the same time it is submitted by our office. This means that your account may be debited immediately. If we use the batching process, your payment may be processed at regular intervals, which may not lead to the transaction clearing your account on the same day you submit it. You should check your account regularly to ensure you have sufficient funds for any transaction.
There are certain transaction fees that are incurred with the electronic payment system. You hereby acknowledge and agree to any and all transaction fees associated with submitting the aforementioned payments in the manner reflected above.
You authorize Debra Silverman Astrology, its agents or third party vendors to use your personally identifiable information to make inquiries of any kind to validate your identity. We or third parties may use the information to contact financial institutions, verify your credit history, and gather all relevant information about you, so that we may diligently complete our investigation.
PERSONALLY IDENTIFIABLE INFORMATION RELATING TO CHILDREN:
Consistent with the federal Children’s Online Privacy Protection Act of 1998 (COPPA), we will never knowingly collect or maintain personally identifiable information on the Site from anyone under the age of 13 without parental consent. IF YOU ARE UNDER 13 YEARS OF AGE, PLEASE DO NOT USE OR ACCESS THE SITE AT ANY TIME OR IN ANY MANNER. Any person who provides their personal information to Debra Silverman Astrology through the Site represents that they are 13 years of age or older and represents that he/she has the express consent of his/her parent and is under the direct supervision of his/her parent. If the Debra Silverman Astrology learns that personally identifiable information of persons under the age of 13 has been collected on the Site without verifiable parental consent, then Debra Silverman Astrology will take the appropriate steps to delete this information. If you are a parent or guardian and discover that your children under the age of 13 has obtained a Site account without your supervision or knowledge, then please contact Debra Silverman Astrology at firstname.lastname@example.org and you may request that Debra Silverman Astrology delete that child’s personal information from its systems.
AUTOMATICALLY GENERATED TRACKING INFORMATION:
Debra Silverman Astrology may disclose automatically collected and other aggregate non-personally-identifiable information with certain third parties to assist us with understanding the usage, viewing, and demographic patterns for certain programs, content, services, advertisements, promotions, and/or functionality on the Site.
Debra Silverman Astrology may disclose this information to companies with whom we plan to merge or to whom we plan to sell our business. In either event, we will take all reasonable measures to ensure that those companies abide by this notice.
You may, of course, decline to share your personally identifiable information with Debra Silverman Astrology, in which case Debra Silverman Astrology will not be able to provide to you some of the features and functionality found on the Site. Your information and preferences may be deleted by you at anytime, so long as you are in good standing with Debra Silverman Astrology We will gladly remove your name and contact information from any mailing lists that Debra Silverman Astrology sponsors by notifying us email@example.com.
Periodically, we may ask you to verify your identity before further access to the Site is permitted. YOU ARE RESPONSIBLE FOR MAINTAINING THE SECRECY OF YOUR UNIQUE PASSWORD AND ACCOUNT INFORMATION AT ALL TIMES.
You must promptly notify us if your credit card, user name, or password is lost, stolen, or used without permission. In such an event, we will remove that credit card number, user name, or password from your account and update our records accordingly.
THIRD PARTY ADVERTISERS OR HYPERLINKS:
Debra Silverman Astrology may allow third-party advertising (“ad”) servers or advertising (“ad”) networks, to serve advertisements or links on the Site. These advertisers may provide icons or hyperlinks to their products or services and effectively take you out of the Site and its control.
INTERNATIONAL VISITORS AND CUSTOMERS:
The Site is hosted in the United States. If you are visiting from the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that you are transferring your personal data to the United States, which does not have the same data protection laws as the EU and other areas of the world, and by providing your personal data you consent to:
- the transfer of your personal data to the United States as indicated above.
COLORADO USE ONLY: The Site is controlled and operated by Debra Silverman Astrology from its offices in the State of Colorado. Debra Silverman Astrology makes no representation that any of the materials or the services to which you have been given access are available or appropriate for use in other locations. Your use of or access to the Site should not be construed as Debra Silverman Astrology purposefully availing itself of the benefits or privilege of doing business in any state or jurisdiction other than Colorado.