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After I retired I was looking for various ways to improve our family portfolio. I used the information in this book starting with the basic investing principles, simple examples and the evaluating tools to round out our family portfolio which I also found was very easy to manage on a daily or weekly basis. By following all the information in this book my new portfolio is now supplementing my retirement.
Larry Schafer.
Sandy, Utah |
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Privacy Policy
SGGH Strategic Resolutions, LLC (âStrategic Resolutionsâ) Online Privacy Policy
(Last updated December 14, 2005)
Strategic Resolutions has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.
1. Consent for Collection, Use and Disclosure
Your use of the Strategic Resolutions site and/or your registration for Strategic Resolutions products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Strategic Resolutions site. Strategic Resolutions may occasionally update this Privacy Policy. When it does, Strategic Resolutions will also revise the âlast updateâ date at the top of this Privacy Policy.
In addition, Strategic Resolutions will seek a customerâs prior consent, by email, for any new uses or proposed disclosures of information collected from the customer prior to the change. Strategic Resolutions will notify customers by email of changes to this policy that will affect information collected from them in the future. In certain circumstances, however, Strategic Resolutions will not inform and obtain the consent of the customer, such as in connection with an investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order.
A customer may withdraw his or her consent for collection, use and disclosure at any time by sending an email to . Please note that, if you do, Strategic Resolutions may suspend its provision of products and services to you. When you unsubscribe, if you fall within the guarantee period for any Strategic Resolutions product and you request a refund, the guarantee will be honored.
2. Accountability
Strategic Resolutions collects, at the time of your registration and your sign-on to its web site, certain âpersonal informationâ (information that personally identifies you) including but not limited to your name, email address, home or work
address, telephone number, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses). Strategic Resolutions has implemented this Privacy Policy to protect personal information received from its customers, and to respond to any inquiries. The Privacy Policy also provides that Strategic Resolutions will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on Strategic Resolutions behalf. Strategic Resolutions has designated responsibility for your personal information to its Privacy Officer, who ensures compliance with the principles in this Privacy Policy. Other Strategic Resolutions individuals may be delegated to act on behalf of the Privacy Officer.
3. Purposes for Collecting Personal Information
Strategic Resolutions collects and uses personal information for the following Identified Purposes: a) to understand customer needs regarding Strategic Resolutions services; b) to develop and provide our web site and our products and services for our customers; c) to fulfill your requests for products, services or information; d) to communicate with customers and site visitors, when necessary, and to inform customers of upgrades, as well as of other products and services available from Strategic Resolutions, its affiliates and third parties; e) to allow customers to access limited-entry areas of Strategic Resolutions site; f) to personalize some of our services and products for you and to deliver targeted advertisements and offers from Strategic Resolutions and third parties; g) to bill accounts and maintain payment records; h) to comply with any applicable law, regulation, legal process or government request; i) to respond to a legitimate claim, or to address our reasonable belief, that you are violating the rights of any third party or any of the agreements or policies that govern your use of the Strategic Resolutions site or any Strategic Resolutions product or service; j) to protect the services, products or rights of Strategic Resolutions, including but not limited to the security or integrity of the Strategic Resolutions site; and
k) to identify and resolve technical problems concerning Strategic Resolutions site, products and services. Strategic Resolutions also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes. If we hire other companies to provide some products or services on our behalf, then we will only provide those companies the personal information they need for the Identified Purposes, and we will limit their rights to use and further disclose your personal information as appropriate in the course of their work for us.
4. Limiting the Collection of Personal Information
Strategic Resolutions limits its collection of personal information to only that information which is necessary for the Identified Purposes. Strategic Resolutions does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen. When you visit the Strategic Resolutions web site, a cookie may be placed on your computer or the cookie may be read if you have visited the Strategic Resolutions site previously. Strategic Resolutions uses cookies to allow Strategic Resolutions to determine which products and services you have already purchased so that Strategic Resolutions does not provide redundant information to you, and, if you are a Strategic Resolutions affiliate, to track Strategic Resolutions sales made to customers referred by you so that you can receive compensation under our affiliate program. If you choose to not have your browser accept cookies from the Strategic Resolutions web site, you may not be able to view all the text on the screens, or to experience a personalised visit, or to subscribe to certain service and product offerings on the Strategic Resolutions site.
5. Disclosure, Processing and Retention
Strategic Resolutions does not sell, rent or disclose your personal information to anyone else, except: a) to someone you have designated to act as your agent, for one or more of the Identified Purposes (listed in Section 2, above); b) to Strategic Resolutions employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on Strategic Resolutions behalf for any of the Identified Purposes;
c) as necessary if Strategic Resolutions has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with Strategic Resolutions rights or property, other users of Strategic Resolutions web site, products or services, or anyone else that could be harmed by such activities; and d) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law. In addition, as we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets.
Also, in the event that Strategic Resolutions or substantially all of its assets are acquired, your personal information may be one of the transferred assets. Your information may be stored and processed in the United States, or in any other country in which Strategic Resolutions or its affiliates, subsidiaries or agents maintain facilities. By using this web site, you consent to any such transfer of information outside of your country. After your account becomes inactive (that is, if you request to be removed from our database), Strategic Resolutions will keep your personal information in its archives. Your information will then be used only as necessary for tax reasons or to prove Strategic Resolutions compliance with any applicable law.
6. Accuracy of Personal Information
Strategic Resolutions will use reasonable efforts to keep customer personal information accurate for the Identified Purposes and for minimizing the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informing Strategic Resolutions about changes to their personal information. You can do this by calling 801-581-0511 or sending an email to . Strategic Resolutions will use new or updated personal information it receives from customers to update its own records. 7. Access to Personal Information Strategic Resolutions will use reasonable efforts to protect customersâ personal information.
Strategic Resolutions will afford you a reasonable opportunity to review the personal information in your file, if you so request by calling 801-581-0511, or writing to:
Strategic Resolutions
250 Elizabeth St. B-1
Salt Lake City, Utah 84102
... or upon request to the Privacy Officer at . If Strategic Resolutions is not able to provide access to some aspect of a customerâs personal information, it will provide reasons for denying access such as; that by doing so would likely reveal personal information about a third party, or that it is confidential commercial information or attorneyâclient privileged communications, or that the information relates to a breach of an agreement or a contravention of law, or that its disclosure could reasonably be expected to threaten the life or security of another individual. Customers have the right to request that inaccurate or incomplete information be amended as appropriate, by contacting Strategic Resolutions or the Privacy Officer as described above. Strategic Resolutions will promptly correct such personal information.
Spam Policy
SGGH Strategic Resolutions, LLC (âStrategic Resolutionsâ) Anti-Spam Policy
(Last updated December 15, 2005)
Strategic Resolutions is committed to permission-based email marketing practices, and as a result has established this no-tolerance Anti-Spam Policy. Strategic Resolutions will occasionally update this Anti-Spam Policy. When it does, Strategic Resolutions will also revise the âlast updateâ date at the top of this Anti-Spam Policy. For changes to this policy, Strategic Resolutions will notify you (the customer) by placing a notice on its web site home page.
1. What Is Spam
Spam is commercial email or unsolicited bulk email, including âjunk mailâ, which has not been requested by the recipient. It is intrusive and often irrelevant or offensive, and it wastes valuable resources. Spam messages are the opposite of permission-based email, which are normally anticipated, personal, relevant, and/or associated with a pre-existing business or personal relationship. Inappropriate newsgroup activities, consisting of excessive posting of the same materials to several newsgroups, are also deemed to be spam.
2. Preventing Spam
Customers of Strategic Resolutions products and services have agreed during their registration process, upon accepting the Terms of Use, to comply with this Anti-Spam Policy. Specifically, each customer agrees not to use the Strategic Resolutions products or services to send unsolicited email or bulk email, whether or not for commercial purposes. Strategic Resolutions reserves the right to determine in its sole discretion what constitutes actionable spam, as well as what measures are necessary in response to such spam activities.
3. How Strategic Resolutions Helps You to Avoid Spamming
Strategic Resolutions has developed its Internet marketing tools to incorporate a strict permission-based philosophy. This anti-spam philosophy is implemented through the following:
a) Communication and Agreement â The Terms of Use that you have agreed to as part of registering for the Strategic Resolutions products and services state how and for what purposes you can collect your site visitor addresses, and that you will follow the Strategic Resolutions Privacy Policy and Anti-Spam Policy. b) Unsubscription â Each email created using Strategic Resolutions products contains an âunsubscribe linkâ. If your web site visitors use the link to request that they be unsubscribed, your subscriber lists will automatically be adjusted to eliminate the prospect of sending unwanted email to such persons. Additionally, each person on your subscriber list has the option of unsubscribing through a web-based method provided on the Strategic Resolutions web site. Customers of Strategic Resolutions who try to remove the unsubscribe link will be warned that they are doing so, and if they persist in having the link removed or deactivated in any way, then Strategic Resolutions will have the right to terminate their account. c) Purchased Mailing Lists - Mass mailings to purchased email lists are not allowed. Strategic Resolutions only allows opt-in mailing lists. Purchased or inherited lists are by definition not opt-in. Similarly, you cannot use an email list relating to particular subject matter, and then use it for an unrelated topic.
4. Laws Restricting Spam
Spam laws vary from state to state, and from country to country. This Strategic Resolutions Anti-Spam Policy has been developed to conform to the highest commercially reasonable standards. As a result, and without limiting the general prohibitions against all spam activities, the following are expressly prohibited: a) False headers or other false information used to identify the point of origin, the transmission path of email, or to hide the true origin of the email sender. b) The unauthorized use of a third partyâs internet domain name without the permission of such third party, to make it appear that the third party was the point of origin of the email. c) The use or misuse of any false or misleading information in the subject line of email. d) Assisting any person in using the products or services of Strategic Resolutions for any of these previously mentioned activities.
5. Measures to Enforce the Anti-Spam Policy
Any Strategic Resolutions customer found to be using Strategic Resolutions products or services for spamming purposes may, at Strategic Resolutions discretion, be immediately
cut off from use of all Strategic Resolutions products and services and/or fined US$ 1,000 per occurrence, with no refund of fees that have been paid. Strategic Resolutions warns all of its customers when signing up that if they participate in spamming activities they will be subject to the loss of Strategic Resolutions services, fines and possible legal action. Strategic Resolutions has the right to actively review its customersâ subscriber lists and email for suspiciously large broadcasts. If Strategic Resolutions finds any customers to be spamming, it will issue a warning, and if the activities are serious enough, Strategic Resolutions will take action immediately. If Strategic Resolutions has any reason to believe that the customer, despite warning being given, threatens to or is continuing to send spam, then Strategic Resolutions may take action immediately, including disabling the customerâs account and/or reporting the customer and the incident to the proper authorities. Strategic Resolutions does not attempt to censor any content, nor to curtail the business of its customers. However, spam activities do not fall within uses authorized by Strategic Resolutions, and will not be tolerated.
6. Reporting Spam
If you believe that you have received spam from or through Strategic Resolutions facilities, please send a complaint from your email account along with the unsolicited email, with completed header, to . Please provide any other information that you believe may help us in our investigation. Strategic Resolutions does not investigate or take any action based on âanonymousâ spam complaints.
7. False Spam Complaints
Strategic Resolutions supports the efforts of various organizations working to responsibly eliminate spam activities. However, if an individual has opted-in to receive email from a customer of Strategic Resolutions, and then falsely or maliciously files a spam complaint against Strategic Resolutions or its customers, Strategic Resolutions will cooperate fully with the appropriate agencies to ban the complainant from use of anti-spam software and the Internet community.
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