Website Terms, Conditions, Anti SPAM & Privacy Policy

Your privacy is vital to our long-term relationship with you, and protecting your privacy is just one part of our mission to provide you with highly personalized and valuable service. In addition, we will not knowingly collect personally identifying information from children under the age of 18. You must be 18 years of age to process an online transaction or access a free report/ information. From heron The Palm Associates Group, Inc will be referred to as “the company”.

This statement describes our Standard Privacy Policy with respect to:

What Information is Collected; How Information is Collected; and by Whom is Information Collected
The Sharing of Collected Information
How You Can Access, Change or Limit the Information Collected About You
Security of Information
Amendments to Our Standard Privacy Policy
Acknowledgment and Acceptance of our Standard Privacy Policy
Unsubscribe from our E-mail list
Free Reports or Information
State Sales Tax
Shipping Charges
Online Transactions
Anti-Spam Policy
File Downloads

What Information is Collected; How Information is Collected; and by Whom is Information Collected

Required Personally Identifiable Information
To receive our free reports and manuals on our web site, you must submit your name and e-mail address. In addition, to purchase our products, you must submit additional information, including your address, phone number and credit card information. This required personally identifiable information is necessary for us to process transactions for you, protect you against credit card fraud and contact you. When you make a purchase with us, we will ask you for your information every time.

Transaction Information
When you authorize a purchase transaction, we will collect certain information related to that transaction such as name, address, phone, e-mail (for e-mail confirmation of a transaction), billing information, product or service involved, the quantity or amount of the product or service and any other special handling requests. This personally identifiable information will never knowingly appear in public areas of our Web site or be sold to other companies.

Third Party Information
During the processing of your transactions, we collect verification information from our credit card authorization services. Credit card authorization services verify that credit card information and address that they have on file for you matches the information that you have provided to us.

Questionnaires and Surveys
From time to time, we may ask you to complete questionnaires or surveys, which we use to obtain additional demographic information about our users, to measure and improve the quality of our service and to better assess your interests and needs. If we ask you to complete a survey or questionnaire, we will explain how we intend to use the information that you provide to us. You always have the option of not responding to any questionnaire or survey.

General Information
We do collect end user computer information like, technical information related to your computer and the manner in which you are accessing our site and includes such information as the internet protocol (IP) address of your computer, what operating system your computer is using and what browser software (e.g., Explorer, Netscape or other). This information helps us fight fraudulent charges and creates a non-repudiation online environment.

The Sharing of Collected Information

Personally Identifiable Information
We will not share your personally identifying information with other third parties without your consent, except for the following limited purposes:

1. We are compelled to do so by law or by an order of a court or governmental authority.

2. In order to cooperate with law enforcement authorities or governmental regulatory bodies.

3. As necessary to complete a transaction for you.

4. As we deem necessary to protect the rights, safety or property of our company, our users or others or to enforce our terms of use agreement or Standard Privacy Policy.

5. If you use our Web site through a link from one of our promotional partners, then we may be required to share your user registration information or other personally identifying information about any search or transaction that you initiate through such promotional partner with that partner.

Aggregated General Information
In addition, we may share aggregated general information about our site with our business partners or the general public. For example, we may share information regarding the daily number of unique users to our site with potential corporate partners or others. Aggregated data does not contain any information that could be used to contact or identify you it is just general numbers.

Third Party Sites
We may publish links to other sites from our web site. Please note that our company does not control the content, practices or policies of any other site, including what information those sites collect about you. Accordingly, we do not endorse or hold ourselves responsible for the privacy policies or information gathering practices of any site that you may link to from our site. In addition, you may choose to respond to advertisements that are posted on our web site or made available via our service or to direct marketing offers from third party sponsors or advertisers. We do not control the content, practices or policies of our sponsors or advertisers and, accordingly, do not endorse or hold ourselves responsible for the privacy policies or information gathering practices of any sponsor or advertiser who may collect information about you.

How You Can Access, Limit or Change the Information Collected About You

E-Mail
You can request that the information collected about you be updated at any time by sending an email request to (thepalmgroup@juno.com)

Security

Our company uses the highest security standard available (SSL) to encrypt all of your credit card and personally identifiable information while it is in transit to us. All data stored on our server is protected by a secure "firewall" so that no unauthorized use or activity can take place. Although our company will make every effort to safeguard your personal information from loss, misuse or alteration by third parties, you should be aware that there is always some risk in any transaction over the internet that thieves may find a way to compromise security or attempt to capture transmissions over the Internet.

Amendments to Our Standard Privacy Policy

We may, from time to time, amend our Standard Privacy Policy. If we do, then we will post such amendments to this document so that you may always have access to our most recent policy. We reserve the right, at our discretion, to change, modify, add or remove portions of our Standard Privacy Policy at any time and from time to time. If at any point we decide to disclose personal information in a manner different from that stated at the time it was collected, we will notify users by email. You will be given t he choice at that time to "opt-out" of any disclosures of your personal information that you made available to us prior to the change in our policy.

Acknowledgment and Acceptance of our Standard Privacy Policy

This Privacy Statement is incorporated into and subject to the Terms of Use contained on this web site (the "Terms"). As you know, your use of our website is subject to the Terms. When you register with us, order a product, download a free report you affirmatively agree to all terms including this Standard Privacy Policy and product guarantees. Your continued use of this Web site constitutes your continued agreement to the terms of the Terms, including the Privacy Policy. If you do not agree with the terms of our website, you should cease using it immediately.

Unsubscribe from our E-mail list

To unsubscribe from our e-mail lists simply send an email go to thepalmgroup@juno.com Note: it may take up to 72 hours to be removed.

Free Reports or Information

Please be advised we are not responsible for your e-mails being rejected by your ISP. You must be at least 18 years of age to receive the free lessons and reports. All information is protected by US copyrights.

State Sales Tax

Note: all Florida residents pay state sales tax. All other states are exempt.

Shipping Charges

Our company charges shipping on all products, unless otherwise stated for that specific product.

Online Transactions

You must be at least 18 years of age to make an online transaction (or download our free reports/information) with our company. By making a transaction you are there for agreeing that you are at least 18 years of age, and also permit us to charge your credit card details that you entered.

This website is protected by the highest SSL encryption available. Note: as hackers get more advanced in finding loop holes in systems, it is possible for them to break into them (even with the highest security measures). In this case we try our hardest to keep up with these measures to make the online shopping experience as securely and confidential as possible. How ever it is always possible for a hacker to break any online transaction system.

Anti-Spam Policy

The only way we obtain your email address is if you opt in to a free newsletter or purchase a product from us. If you have done this your email will be used for the following.

- Deliver information you requested.

- Used to improve our services to you.

- May be used to contact you about new products or updates.

You e-mail will not be sold or shared with other organizations for commercial purposes.

We are against spam.

If you receive what you would believe to be an unsolicited email from our company, please notify us at thepalmgroup@juno.com Include the offending email with all the headers intact.

Please be aware that it is not uncommon for spammers to hide behind someone else's email account, as well as use mail servers that they do not own. This really makes it hard for the good guys to do business.

Strictly stated: We hate spam just as much as you do and we will not condone it.

File Downloads

You only have permission to download files from our site, if you are a customer of the Palm Associates Group. Under no circumstances are you allowed to use it otherwise. We will take legal action. Further more as we work to keep our site secure and safe, you should always scan all files for viruses before opening them on your computer.

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