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Focus on Freedoms Contact Information
Email: focusonfreedoms@gmail.com
Nina Sabin -Health and Life Coach - 609-208-8799
William Sabin - Financial and Investment Coach - 609-208-8943

Copyright © 2019 · Focus on Freedoms

Terms & Conditions of Use and Policies

 

Welcome to FocusOnFreedoms.com’s Terms & Conditions of Use and Privacy & Advertising Policies.

PLEASE READ THESE TERMS AND CONDITIONS OF USE AND POLICIES CAREFULLY BEFORE USING THIS SITE.

 

By using this site, you signify your assent to these Terms and Conditions. If you do not agree to all of these Terms and Conditions of use, do not use this site.

 

FocusOnFreedoms.com ("the site") may revise and update these Terms and Conditions and policies at any time. Your continued usage of the FocusOnFreedoms.com website will mean you accept those changes.

 

FocusOnFreedoms.com cares deeply about the privacy of its visitors and users and is fully committed to protect their personal information and use it properly in compliance with data privacy laws. These policies describe how we may collect and use personal information and the rights and choices available to our visitors and users regarding such information.

 

We strongly urge you to read these policies and make sure you fully understand them, before you access or use any of our services. 

 

Contents

  • Our Opinions

  • Terms & Conditions of Use

  • Privacy Policies

  • Advertising & Advertisers Policies

 

Our Opinions

The integrity of FocusOnFreedoms.com is of the utmost importance to us.  We only promote companies and products that we have personally used or believe to be of superior quality.  We focus on products and ideas that we believe our readers would find of interest and value. 

 

FocusOnFreedoms.com began as a way to communicate different ways to live.  Freedom is what we all strive to have.  We provide insights how to plan for that freedom by referencing our life experiences.  As the site has continued to grow, we are now writing, traveling, and enjoying life as a result of the strategies and techniques that we developed and discuss on this site.  Our objective is to share our experiences and stories with others. 

 

Our blogs, investment, and health articles and any other items posted on the site are for educational purposes only.  Our blogs are meant to provide our perspective and experiences related to travel and insight.  Health content is not intended to be a substitute for professional medical advice, diagnosis, or treatment.  Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition.  Never disregard professional medical advice or delay in seeking it because of something you have read on the FocusOnFreedoms.com site.  Financial articles are intended to provide educational information to readers and in no way constitutes investment advice.  An opinion in these articles can change at any time without notice.

 

Terms & Conditions of Use

 

The Site Does Not Provide Medical Advice

As mentioned, the contents of the FocusOnFreedoms.com site, such as text, graphics, images, information obtained from FocusOnFreedoms.com licensors, and other material contained on the FocusOnFreedoms.com site ("Content") are for informational purposes only. The Content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or other qualified health provider with any questions you may have regarding a medical condition. Never disregard professional medical advice or delay in seeking it because of something you have read on the FocusOnFreedoms.com site.

If you think you may have a medical emergency, call your doctor or 911 immediately. FocusOnFreedoms.com does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be mentioned on the site. Reliance on any information provided by FocusOnFreedoms.com, FocusOnFreedoms.com employees, others appearing on the site at the invitation of FocusOnFreedoms.com, or other visitors to the site is solely at your own risk.

The Site Does Not Provide Investment Advice

Financial articles are intended to provide educational information to readers and in no way constitutes investment advice.  Investing in public securities is speculative and involves risk, including possible loss of principle.  The reader of these articles must determine whether or not any investments mentioned in this article are suitable for their portfolio, risk tolerance, and accepts responsibility for their decisions. Neither information nor any opinion expressed in these articles constitutes a solicitation, an offer or a recommendation to buy, sell, or dispose of any investment or to provide any investment advice or service. An opinion in these articles can change at any time without notice.

Children's Privacy

We are committed to protecting the privacy of children. You should be aware that this site is not intended or designed to attract children under the age of 13. We do not collect personally identifiable information from any person we actually know is a child under the age of 13.

Use of Materials

All materials posted on this website are protected by the copyright laws in the United States and in foreign countries. FocusOnFreedoms.com authorizes you to view or download a single copy of the material on the site solely for your personal, noncommercial use if you include the copyright notice located at the end of the material, for example: "©2018, FocusOnFreedoms.com, All rights reserved" and other copyright and proprietary rights notices that are contained in the Content.  Title to the materials remains with FocusOnFreedoms.com or its licensors. Any use of the materials not expressly permitted by these Terms and Conditions is a breach of these Terms and Conditions and may violate copyright, trademark, and other laws. Content and features are subject to change or termination without notice in the editorial discretion of FocusOnFreedoms.com. All rights not expressly granted herein are reserved to FocusOnFreedoms.com and its licensors.

If you violate any of these Terms and Conditions, your permission to use the materials automatically terminates and you must immediately destroy any copies you have made of any portion of the materials.

Liability of FocusOnFreedoms.com and Its Licensors

The use of the site and the Content is at your own risk.  When using the FocusOnFreedoms.com site, information will be transmitted over a medium that may be beyond the control and jurisdiction of FocusOnFreedoms.com.  Accordingly, FocusOnFreedoms.com assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the site.

The FocusOnFreedoms.com site and the content are provided on an "as is" basis. FocusOnFreedoms.com, its licensors, and its suppliers, to the fullest extent permitted by law, disclaim all warranties, either express or implied, statutory or otherwise, including but not limited to the implied warranties of merchantability, non-infringement of third parties' rights, and fitness for particular purpose.  Without limiting the foregoing, FocusOnFreedoms.com, its licensors, and its suppliers make no representations or warranties about the following:

  1. The accuracy, reliability, completeness, or timeliness of the Content, software, text, graphics, links, or communications provided on or through the use of the site.

  2. The satisfaction of any government regulations requiring disclosure of information on prescription drug products or the approval or compliance of any software tools with regard to the Content contained on the FocusOnFreedoms.com site.

 

In no event shall FocusOnFreedoms.com, its licensors, its suppliers, or any third parties mentioned on the site be liable for any damages (including, without limitation, incidental and consequential damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use of or inability to use the site or the Content, whether based on warranty, contract, tort, or any other legal theory, and whether or not FocusOnFreedoms.com, its licensors, its suppliers, or any third parties mentioned on the site are advised of the possibility of such damages.

 

User Submissions

The personal information you submit to FocusOnFreedoms.com is governed by the FocusOnFreedoms.com Privacy Policy. To the extent there is an inconsistency between this Agreement and the FocusOnFreedoms.com Privacy Policy, this Agreement shall govern.

 

The site contains functionality (including blogs, message boards, etc.) that allows users to upload content to the site as well as social media platforms (Facebook, Twitter, Google Plus, YouTube, Instagram, and Pinterest, etc, collectively known as "Social Media Platforms"). You agree that you will not upload or transmit any communications or content of any type to the site or Social Media Platforms that infringe or violate any rights of any party. By submitting communications or content to the site or Social Media Platforms, you agree that such submission is non-confidential for all purposes. It is important to note that FocusOnFreedoms.com is not responsible for the operation, terms of use or policies of any Social Media Platform. Before using any Social Media Platform you should review its terms of use and policies, including its privacy policy.

 

If you make any such submission you agree that you will not send or transmit to FocusOnFreedoms.com by email, (including through the email addresses listed on the "Contact Us" page) any communication or content that infringes or violates any rights of any party. If you submit any business information, idea, concept or invention to FocusOnFreedoms.com by email, you agree such submission is non-confidential for all purposes.

 

If you make any submission to the site or a Social Media Platform or if you submit any business information, idea, concept or invention to FocusOnFreedoms.com by email, you automatically grant-or warrant that the owner of such content or intellectual property has expressly granted-FocusOnFreedoms.com a royalty-free, perpetual, irrevocable, world-wide nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content in any media or medium, or any form, format, or forum now known or hereafter developed. If you wish to keep any business information, ideas, concepts or inventions private or proprietary, do not submit them to the site or Social Media Platforms or to FocusOnFreedoms.com by email. We try to answer every email in a timely manner, but are not always able to do so.

 

User Submissions — Image, Video, Audio Files

You agree to only post or upload media (like photos, videos or audio) on the FocusOnFreedoms.com site or a Social Media Platform that you have taken yourself or that you have all rights to transmit and license and which do not violate trademark, copyright, privacy or any other rights of any other person. Photos or videos of celebrities and cartoon or comic images are usually copyrighted by the owner.

 

To protect your privacy, you agree that you will not submit any media that contains Personally Identifiable Information (like name, phone number, email address or web site URL) of you or of anyone else. Uploading media like images or video of other people without their permission is strictly prohibited.

 

By uploading any media on the FocusOnFreedoms.com site or a Social Media Platform, you warrant that you have permission from all persons appearing in your media for you to make this contribution and grant rights described herein. Never post a picture or video of or with someone else unless you have their explicit permission.

 

It is strictly prohibited to upload media of any kind that contain expressions of hate, abuse, offensive images or conduct, obscenity, pornography, sexually explicit or any material that could give rise to any civil or criminal liability under applicable law or regulations or that otherwise may be in conflict with these Terms and Conditions, the FocusOnFreedoms.com Advertising & Advertisers Policy and the FocusOnFreedoms.com Privacy Policy.

You agree that you will not upload any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or this Web site.

 

By uploading any media on the FocusOnFreedoms.com site or a Social Media Platform like a photo or video, (a) you grant to FocusOnFreedoms.com a perpetual, non-exclusive, worldwide, royalty-free license to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in the media; (b) you certify that any person pictured in the submitted media (or, if a minor, his/her parent/legal guardian) authorizes FocusOnFreedoms.com to use, copy, print, display, reproduce, modify, publish, post, transmit and distribute the media and any material included in such media; and (c) you agree to indemnify FocusOnFreedoms.com and its affiliates, directors, officers and employees and hold them harmless from any and all claims and expenses, including attorneys' fees, arising from the media and/or your failure to comply with these the terms described in this document.

 

FocusOnFreedoms.com reserves the right to review all media prior to submission to the site and to remove any media for any reason, at any time, without prior notice, at our sole discretion.

 

Passwords

FocusOnFreedoms.com does not collect or store passwords for the site. 

 

Advertisements, Searches, and Links to Other sites

FocusOnFreedoms.com may provide links to third-party web sites. FocusOnFreedoms.com also may select certain sites as priority responses to search terms you enter and FocusOnFreedoms.com may agree to allow advertisers to respond to certain search terms with advertisements or sponsored content. FocusOnFreedoms.com does not recommend and does not endorse the content on any third-party websites. FocusOnFreedoms.com is not responsible for the content of linked third-party sites, sites framed within the FocusOnFreedoms.com site, third-party sites provided as search results, or third-party advertisements, and does not make any representations regarding their content or accuracy. Your use of third-party websites is at your own risk and subject to the terms and conditions of use for such sites. FocusOnFreedoms.com does not endorse any product, service, or treatment advertised on the FocusOnFreedoms.com site.  For more information, read our Advertising and Advertiser Policy contained herein.

 

Indemnity

You agree to defend, indemnify, and hold FocusOnFreedoms.com, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from, or alleged to result from, your violation of these Terms and Conditions.

 

Jurisdiction

FocusOnFreedoms.com is based in Florida.  FocusOnFreedoms.com makes no claims that the site’s Content is appropriate or may be downloaded outside of the United States. Access to the Content may not be legal by certain persons or in certain countries. If you access the site outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

 

You expressly agree that exclusive jurisdiction for any dispute with FocusOnFreedoms.com, or in any way relating to your use of the FocusOnFreedoms.com site, resides in the courts of the State of Florida and you further agree and expressly consent to the exercise of personal jurisdiction in the courts of the State of Florida in connection with any such dispute including any claim involving FocusOnFreedoms.com or its affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers, and content providers.

 

These Terms and Conditions are governed by the internal substantive laws of the State of Florida, without respect to its conflict of laws principles. If any provision of these Terms and Conditions is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any of these Terms and Conditions shall be deemed a further or continuing waiver of such term or condition or any other term or condition.

 

Notice and Takedown Procedures and Copyright Agent

If you believe any materials accessible on or from the site infringe your copyright, you may request removal of those materials (or access thereto) from this web site by contacting FocusOnFreedoms.com's copyright agent here and provide the following information:

  1. Identification of the copyrighted work that you believe to be infringed. Please describe the work, and where possible include a copy or the location (e.g., URL) of an authorized version of the work.

  2. Identification of the material that you believe to be infringing and its location. Please describe the material, and provide us with its URL or any other pertinent information that will allow us to locate the material.

  3. Your name, address, telephone number and (if available) e-mail address.

  4. A statement that you have a good faith belief that the complained of use of the materials is not authorized by the copyright owner, its agent, or the law.

  5. A statement that the information that you have supplied is accurate, and indicating that "under penalty of perjury," you are the copyright owner or are authorized to act on the copyright owner's behalf.

  6. A signature or the electronic equivalent from the copyright holder or authorized representative.

 

Complete Agreement

Except as expressly provided in a particular "legal notice" on the FocusOnFreedoms.com site, these Terms and Conditions and the FocusOnFreedoms.com Privacy Policy constitute the entire agreement between you and FocusOnFreedoms.com with respect to the use of the FocusOnFreedoms.com site, and Content.

 

Privacy Policies

We understand how important the privacy of personal information is to our users. We understand that your privacy matters and we respect your privacy choices.

 

How do we collect information?

When you conduct a transaction on our website, as part of the process, we collect personal information you give us such as your name, address and email address.

 

Why do we collect such personal information?

We collect such Non-personal and Personal Information for the following purposes:

  1. To provide and operate the Services;

  2. To provide our Users with ongoing customer assistance and technical support;

  3. To be able to contact you with general or personalized service-related notices and promotional messages;

  4. To create aggregated statistical data to improve our services; 

  5. To comply with any applicable laws and regulations.

 

How do we store, use, share and disclose our site visitors' personal information?

Our company is hosted on the Wix.com platform. Wix.com provides us with the online platform that allows us to sell our products and services to you. Your data may be stored through Wix.com’s data storage, databases and the general Wix.com applications.  They store your data on secure servers behind a firewall. 

All direct payment gateways offered by Wix.com and used by our company adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover.  PCI-DSS requirements help ensure the secure handling of credit card information by our store and its service providers.

 

How do we communicate with our site visitors?

We may contact you to notify you regarding your account, to troubleshoot problems with your account, to resolve a dispute, to collect fees or monies owed, to poll your opinions through surveys or questionnaires, to send updates about our company, or as otherwise necessary to contact you to enforce our User Agreement, applicable national laws, and any agreement we may have with you.  For these purposes, we may contact you via email, telephone, text messages, and postal mail.

 

How do we use cookies and other tracking tools?

FocusOnFreedoms.com does not use cookies or other tracking tools.
However, it is important to note that third-party services, such as Google Analytics or other applications offered through the Wix App Market, placing cookies or utilizing other tracking technologies through Wix´s services, may have their own policies regarding how they collect and store information.  As these are external services, the FocusOnFreedoms.com Privacy Policy does not cover such practices.

 

You can change your browser settings to disable cookies if you have any privacy concerns.  Disabling cookies for all sites is not recommended as it may interfere with your use of some sites.  It has been suggested that an option is to disable or enable cookies on a site-by-site basis.

 

Newsletters & Emails to You

At registration and at various times as you use the FocusOnFreedoms.com Web sites, you will be given the option of providing us with Personal Information in order to receive recurring informational/promotional newsletters via email from FocusOnFreedoms.com.  You can unsubscribe from a newsletter by contacting us here.

 

Changes to This Privacy Policy

We reserve the right to change or modify this Privacy Policy or any of our tools or services at any time and any changes will be effective upon being posted unless we advise otherwise.  We encourage you to periodically review this website for the latest information on our privacy practices.  If you do not accept the terms of this Privacy Policy, we ask that you do not register with us and that you do not use the FocusOnFreedoms.com sites. Please exit the FocusOnFreedoms.com sites immediately if you do not agree to the terms of this Privacy Policy.

 

Advertising & Advertisers Policies

Since we launched the site, we have regularly sought sponsorships and advertisements from relevant commercial organizations, manufacturers, and other leaders dedicated to providing health, finance, and travel information. These sponsorships, which are a form of advertising, enable us to provide you with our award-winning content at no cost to you. We provide opportunities for sponsors to bring you their marketing message and information about their products and services by publishing their information or links within our site. We take several steps to ensure that you can clearly identify content that is provided by and is under the editorial control of our sponsors before you view it, so you can make an informed decision as to whether or not to view it. 

 

In order to keep site content free of charge, but still be able to pay all the costs associated with running an online business (hosting fees, domain name, blog design, administration, etc), there are many ways in which we FocusOnFreedoms.com might be compensated.

 

FocusOnFreedoms.com accepts advertising on the FocusOnFreedoms.com from third parties ("Advertisers"), which may include third party banners, badges, contextual advertising and content created or provided by an Advertiser (collectively referred to as "Advertisements" or "Advertising"). In addition, as used in this policy, the terms "Advertising" and "Advertisements" include third party banners, modules, links, microsites, native advertisements and other content provided by or on behalf of Advertisers. The Advertiser is responsible for the accuracy and objectivity of their Advertising. The following guidelines have been established by FocusOnFreedoms.com to govern various aspects of Advertising on properties within the FocusOnFreedoms.com site.  FocusOnFreedoms.com may change this policy at any time in its sole discretion by posting a revised policy to the site.

  1. FocusOnFreedoms.com has sole discretion for determining the types of Advertising that will be accepted and displayed on the FocusOnFreedoms.com site, and under no circumstances will FocusOnFreedoms.com's acceptance of any Advertisement be considered an endorsement of the product(s) and/or service(s) advertised or for the company that advertises, manufactures, distributes, or promotes the products or services.

  2. FocusOnFreedoms.com will not knowingly accept Advertising that, in FocusOnFreedoms.com's opinion, is not factually accurate and in good taste.

  3. There are certain categories of Advertisements that FocusOnFreedoms.com will not knowingly permit on the FocusOnFreedoms.com site at any time. These categories include but are not limited to the following:

    • Illegal, 'objectionable', 'ineffective' and/or 'dangerous' products (FocusOnFreedoms.com reserves the right to determine what is 'objectionable', 'ineffective' and/or 'dangerous')

    • fraudulent, deceptive, illicit, misleading or offensive material

    • material that misrepresents, ridicules, discriminates (real or implied) or attacks an individual or group on the basis of age, national origin, race, religion, gender, sexual orientation, marital status, disability or any other status deemed inappropriate for the FocusOnFreedoms.com site

    • alcohol

    • weapons, firearms, ammunition, or fireworks

    • gambling

    • pornography or related themes

    • tobacco use of any kind

    • the simulation of news or an emergency

    • material that directly advertises products to or is intended to attract children under the age of 13

    • media or messages for or that reference "M" rated video games or content

    • unreasonable, unlikely or extraordinary product or service claims

    • media messages or imagery that strobe or flash

    • media or messages that contain unsubstantiated "miracle" weight loss or other exaggerated claims of cure

    • advertising units that mimic computer functions or deceptively indicate a computer or other function that would be reasonable to the average user to assume as a reason to click the unit

  4. FocusOnFreedoms.com retains the exclusive right to determine how any and all search results for specific information by keyword or topic are displayed on a FocusOnFreedoms.com site.

  5. FocusOnFreedoms.com reserves the right to decide at any time in its sole discretion whether it will accept, reject, cancel, or remove Advertising from the FocusOnFreedoms.com site. FocusOnFreedoms.com cannot provide any assurances that Advertisements will perform without error on all platforms, including websites and mobile applications.

  6. It is the Advertiser's responsibility to comply with all domestic and foreign laws and regulations applicable to its Advertising within the FocusOnFreedoms.com site (and to include all legally required legends, disclosures and statements in such Advertising), including without limitation the current FDA guidelines for Direct to Physician (DTP) and Direct to Consumer (DTC) advertising as well as  the General Data Protection Regulation - known as the GDPR - whose aim is to protect the personal data of all EU citizens.FocusOnFreedoms.com will not monitor compliance with such laws and regulations. However, FocusOnFreedoms.com reserves the right to review all Advertising for compliance with applicable laws and regulations and, if FocusOnFreedoms.com becomes aware of any breach or potential breach of any applicable law or regulation or of these guidelines, FocusOnFreedoms.com may remove the Advertising from the FocusOnFreedoms.com site.      

  7. As an Amazon Associate we earn from qualifying purchases.