Terms of Use and Policies

 

Terms of Use

Terms of Use and Service for living-abundantly.com

We want you to have a good experience viewing and using our website. If you continue to view and use living-abundantly.com you are agreeing to comply with and be bound by the following terms and conditions of use.

Please read the Terms of Use, Privacy Policy, and Cookie Policy for living-abundantly.com carefully before using this site as they contain important information about legal rights, remedies and obligations. If you do not agree to the Terms of Use, do not use the website.

Use of Content

Access to and use of text, artwork, photographs, video, audio and other files on this website are subject to the following terms and conditions:

All content is protected by copyright laws. All images, text, software, documentation, electronic text and image files, audio and video clips, and other materials are protected by copyright laws and may be covered by other restrictions as well.

Living-abundantly.com retains all rights, including copyright, in data, image, text, audio, video and any other information contained in these files. Copyrights and other proprietary rights in the material on this website may also subsist in individuals and entities other than, and in addition to, living-abundantly.com. Living-abundantly.com expressly prohibits the copying of any protected materials on this website, except for the purposes of fair use as defined in the copyright laws, and as described below.

Fair Use is Permitted

Fair use of copyrighted material includes the use of protected materials for noncommercial educational purposes, such as teaching, scholarship, research, criticism, commentary, and news reporting. Unless otherwise noted, users who wish to download or print text,  image files, and video files  from living-abundantly.com’s website for such uses are welcome to do so without living-abundantly.com’s express permission. Users must cite the author and source of this material as they would material from any printed work; the citation should also include the URL (www.living-abundantly.com). Users wishing to download audio, video,  and music files from living-abundantly.com for noncommercial educational purposes, such as teaching, scholarship, research, criticism, commentary, and news reporting are asked to notify us at contact @ living-abundantly.com indicating the specifics of how and where the audio, video, and music files intend to be used.

By downloading, printing, or otherwise using text, image, audio, video or any other files from this website, users agree that they will limit their use of such files to fair use, and will not violate living-abundantly.com’s or any other party’s proprietary rights.

Commercial Use is Restricted

Unauthorized publication or exploitation of living-abundantly.com’s files is specifically prohibited. Anyone wishing to use any of these files, including but limited to text, images, audio, video or any other files from this website for commercial use, publication, or any purpose other than fair use as defined by law, must request and receive prior written permission. Requests may be made at contact @ living-abundantly.com and must include name, organization, address, telephone number, and email of person(s) making the request.

Monitoring and Enforcement; Termination
We have the right to:

Remove or refuse to post any User Contributions for any or no reason in our sole discretion.
Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use and Policies, including the content standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the website or the public or could create liability for Living-abundantly.com.
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the website.
Terminate or suspend your access to all or part of the website for any or no reason, including without limitation, any violation of these Terms of Use or our Policies.
Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the website. YOU WAIVE AND HOLD HARMLESS LIVING-ABUNDANTLY.COM AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY LIVING-ABUNDANTLY.COM/ANY OF THE FOREGOING PARTIES DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER LIVING-ABUNDANTLY.COM/SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.

We do endeavor to review all material before it is posted on the website, however, we cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

Indemnification

You agree to defend, indemnify and hold harmless Living-abundantly.com, its affiliates, licensors and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use and Policies or your use of the website, including, but not limited to, your user contributions, any use of the website’s content, services and products other than as expressly authorized in these Terms of Use and Policies or your use of any information obtained from the website.

Governing Law and Jurisdiction

All matters relating to the website and these Terms of Use and Policies and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Ohio without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use and Policies or the website shall be instituted exclusively in the federal courts of the United States or the courts of the State of Ohio, in each case located in Ohio, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use and Policies in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to a venue in such courts.

Site Credits

Living-abundantly.com was created and developed by KAR at Studio Downstairs, a Division of Morning Star And Company, Inc. It is operated and maintained by Morning Star and Company, Inc. All inquiries about the website may be submitted at contact @ living-abundantly.com or directed to Morning Star And Company, Inc., Post Office Box 24405, Lyndhurst, OH 44124, or by visiting studiodownstairs.com.

Help With This Site

Living-abundantly.com is designed to be viewed with most browsers updated from 2020+ and is responsive on most devices (computers, phones, tablets).

While pages on living-abundantly.com are designed to be readily accessible with an Internet connection, some graphics-rich sections of the site may be image-intensive and may require a longer download time. A high-speed Internet connection is highly recommended.

 

Privacy Policy of "living-abundantly.com"

To view our Cookie Policy read below.

This privacy policy has been compiled to better serve those who are concerned with how their "Personally identifiable information" (PII) is being used online. PI is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our website?

When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, or other details so that we can provide our services and products to you. We do not collect your credit card information.

When do we collect information?

We collect information from you when you register on our site, place an order, subscribe to a newsletter, fill out a form or enter information on our site.

How do we use your information?

We may use such information in the following ways:

  • To personalize your experience on our site and to allow us to deliver the type of content and product offerings of which you are most interested.
  • To improve our website in order to better serve you.
  • To allow us to better service you in responding to your customer service requests.
  • To administer a contest, promotion, survey or other site feature.
  • To quickly process your transactions.
  • To send periodic emails regarding your order or other products and services.

How do we protect the information we receive?

Our site is reviewed on a regular basis for security vulnerabilities in order to make your visit to our site as safe as possible.

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We do not store credit/debit card information on our systems.

We implement a variety of security measures when a user places an order, enters, submits, or accesses their information to maintain the safety of your personal information.

All transactions are processed through a gateway provider and are not stored or processed on our servers.

Do we use "cookies"?

Yes. Read our Cookies Policy on this page for complete details and to manage your consent. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:

  • Help remember and process the items in the shopping cart.
  • Understand and save user's preferences for future visits.
  • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third party services that track this information on our behalf.

You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser (like Chrome) settings. Each browser is a little different, so look at your browser's Help menu to learn the correct way to modify your cookies.

If you disable cookies, some features will be disabled. It will turn off some of the features that make your site experience more efficient and some of our services will not function properly.

How can you opt out, remove or modify information you have provided to us?

You can request to have your information removed by emailing us at contact @ living-abundantly.com.

Please note that we may maintain information about an individual sales transaction in order to complete that transaction and for record keeping purposes.

Third Party Disclosures

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third Party Links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Transfer of Your Personal Information

Your information, including personal information, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your personal information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Your Personal Information

If we are involved in a merger, acquisition or asset sale, your personal information may be transferred. We will provide notice before your personal information is transferred and becomes subject to a different Privacy Policy.

Under certain circumstances, we may be required to disclose your personal information if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Retention of Your Personal Information

We will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Information Regarding Your Data Protection Rights Under General Data Protection Regulation (GDPR)

For the purpose of this Privacy Policy, we are a Data Controller of your personal information.

If you are from the European Economic Area (EEA), our legal basis for collecting and using your personal information, as described in this Privacy Policy, depends on the information we collect and the specific context in which we collect it. We may process your personal information because:

  • We need to perform a contract with you, such as when you create a Policy with us
  • You have given us permission to do so
  • The processing is in our legitimate interests and it's not overridden by your rights
  • For payment processing purposes
  • To comply with the law

If you are a resident of the European Economic Area (EEA), you have certain data protection rights. In certain circumstances, you have the following data protection rights:

  • The right to access, update or to delete the personal information we have on you
  • The right of rectification
  • The right to object
  • The right of restriction
  • The right to data portability
  • The right to withdraw consent

Please note that we may ask you to verify your identity before responding to such requests.

You have the right to complain to a Data Protection Authority about our collection and use of your personal information. For more information, please contact your local data protection authority in the European Economic Area (EEA).

"Do Not Sell My Personal Information" Notice for California consumers under California Consumer Privacy Act (CCPA)

Under the CCPA, California consumers have the right to:

  • Request that a business that collects a consumer's personal data disclose the categories and specific pieces of personal data that a business has collected about consumers.
  • Request that a business delete any personal data about the consumer that a business has collected.
  • Request that a business that sells a consumer's personal data, not sell the consumer's personal data.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Service Providers

We employ third party companies and individuals to facilitate our Website ("Service Providers"), to provide our Website on our behalf, to perform Website-related services or to assist us in analyzing how our Website is used. These third-parties have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: http://www.google.com/intl/en/policies/privacy/

Payments processors

We provide paid products and/or services on our Website. In that case, we use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council.

Contacting Us

If there are any questions regarding this privacy policy you may contact us at contact @ living-abundantly.com.

Cookie Policy

This Cookie Policy explains what cookies are and how we use them. You should read this policy to understand what cookies are, how we use them, the types of cookies we use i.e, the information we collect using cookies and how that information is used and how to control the cookie preferences. For further information on how we use, store and keep your personal data secure, see our Privacy Policy above.

Learn more about who we are, how you can contact us and how we process personal data in our Privacy Policy. Your consent applies to the following domains: living-abundantly.com.

What are cookies ?

Cookies are small text files that are used to store small pieces of information. The cookies are stored on your device when the website is loaded on your browser. These cookies help us make the website function properly, make the website more secure, provide better user experience, and understand how the website performs and to analyze what works and where it needs improvement.

How do we use cookies ?

As most of the online services, our website uses cookies first-party and third-party cookies for a number of purposes. The first-party cookies are mostly necessary for the website to function the right way, and they do not collect any of your personally identifiable data.

The third-party cookies used on our websites are used mainly for understanding how the website performs, how you interact with our website, keeping our services secure, providing advertisements that are relevant to you, and all in all providing you with a better and improved user experience and help speed up your future interactions with our website.

What types of cookies do we use ?

Essential: Some cookies are essential for you to be able to experience the full functionality of our site. They allow us to maintain user sessions and prevent any security threats. They do not collect or store any personal information. For example, these cookies allow you to log-in to your account and add products to your basket and checkout securely.

Statistics: These cookies store information like the number of visitors to the website, the number of unique visitors, which pages of the website have been visited, the source of the visit etc. These data help us understand and analyze how well the website performs and where it needs improvement.

Marketing: In the event that our website displays advertisements, these cookies are used to personalize the advertisements that we show to you so that they are meaningful to you. These cookies also help us keep track of the efficiency of these ad campaigns.
The information stored in these cookies may also be used by the third-party ad providers to show you ads on other websites on the browser as well.

Functional: These are the cookies that help certain non-essential functionalities on our website. These functionalities include embedding content like videos or sharing contents on the website on social media platforms.

Preferences: These cookies help us store your settings and browsing preferences like language preferences so that you have a better and efficient experience on future visits to the website.

How can I control the cookie preferences ?

Different browsers provide different methods to block and delete cookies used by websites. You can change the settings of your browser to block/delete the cookies. To find out more out more on how to manage and delete cookies, visit wikipedia.org, www.allaboutcookies.org.