TERMS OF USE AND PRIVACY POLICY
 THE CATALINA TECHNIQUE
Effective on May 22, 2018

Ownership of Website; Agreement to Terms of Use

These Terms and Conditions of Use (the “Terms of Use”) apply to the LFR LIFE, LLC
 (“The Catalina Technique”) Website located at www.thecatalinatechnique.com (the “Website”). The Website is the property of LFR LIFE, LLC.. BY USING THE WEBSITE, YOU AGREE TO THESE TERMS OF USE; IF YOU DO NOT AGREE, DO NOT USE THE WEBSITE.

LFR LIFE, LLC  reserves the right, at its sole discretion, to change, modify, add, or remove portions of these Terms of Use, at any time. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of the Website following the posting of changes will mean that you accept and agree to the changes. As long as you comply with these Terms of Use, LFR LIFE, LLC  grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Website.

Content

All text, graphics, photographs, trademarks, logos, and other “Content” on our Website is owned, controlled, or licensed by or to Hinz Consulting, and is protected by copyright, trademark, and various other intellectual property rights and unfair competition laws.

Except as expressly provided in these Terms of Use, no part of the Website and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way, without Hinz Consulting’s express prior written consent.

Your Use of the Website

You may not attempt to gain unauthorized access to any portion or feature of the Website, or any other systems or networks connected to the Website or to any LFR LIFE, LLC server.

You may not probe, scan, or test the vulnerability of the Website or any network connected to the Website, nor breach the security or authentication measures on the Site or any network connected to the Website.

You agree that you will not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Website or Hinz Consulting’s systems or networks, or any systems or networks connected to the Website or to Hinz Consulting.

You agree not to use any device, software, or routine to interfere with the proper working of the Website or any transaction being conducted on the Website, or with any other person’s use of the Website.

You may not forge headers or otherwise disguise the origin of any messages or transmittal you send on or through the website. You may not pretend that you are, or that you represent, someone else, or impersonate any other individual or entity.

You may not use the Site or any Content for any purpose that is unlawful or prohibited by these Terms of Use, or to solicit the performance of any illegal activity or other activity which infringes on the rights of LFR LIFE or others.

Privacy

LFR LIFE, LLC  Privacy Policy applies to use of this Website and its terms are made a part of these Terms of Use by this reference. To View LFR LIFE, LLC Privacy Policy, click here. Additionally, by using the Website, you acknowledge and agree that Internet transmissions are never completely private or secure. You understand that any message or information you send to the Website may be read or intercepted by others, even if there is a special notice that a particular transmission is encrypted.

Links to Other Websites

The Website may contain links to independent third-party websites (“Linked Websites”). These Linked Websites are provided solely as a convenience to our visitors. LFR LIFE, LLC has no discretion to alter, update, or control the content on Linked Websites, and Hinz Consulting is not responsible for and does not endorse the content of these Linked Websites, including any information or materials contained on such Linked Websites.

Disclaimers
LFR LIFE, LLC DOES NOT PROMISE THAT THE WEBSITE OR ANY CONTENT, SERVICE, OR FEATURE OF THE WEBSITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE WEBSITE WILL PROVIDE SPECIFIC RESULTS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS,” “AS-AVAILABLE,” AND “WITH ALL FAULTS” BASIS. ALL INFORMATION PROVIDED ON THE WEBSITE IS SUBJECT TO CHANGE WITHOUT NOTICE. HINZ CONSULTING CANNOT ENSURE THAT ANY FILES OR OTHER DATA YOU DOWNLOAD FROM THE WEBSITE WILL BE FREE OF VIRUSES OR OTHER CONTAMINATION OR DESTRUCTIVE FEATURES. LFR LIFE, LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. LFR LIFE, LLC DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS, AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE WEBSITE AND/OR ANY LFR LIFE, LLC SERVICES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE WEBSITE AND ANY LINKED WEBSITES. YOUR SOLE REMEDY AGAINST LFR LIFE, LLC FOR DISSATISFACTION WITH THE WEBSITE IS TO STOP USING THE WEBSITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

The above disclaimer applies to any damages, liability, or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer viruses, communication line failure, theft, or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence, or any other cause of action.

LFR LIFE, LLC reserves the right to do any of the following, at any time, without notice: (1) to modify, suspend or terminate operation of or access to the Website, or any portion of the Website, for any reason; (2) to modify or change the Website, or any portion of the Website, and any applicable policies or terms; and (3) to interrupt the operation of the Website, or any portion of the Website, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Limitation of Liability

Except where prohibited by law, in no event will LFR LIFE, LLC  be liable to you for any indirect, consequential, exemplary, incidental or punitive damages, including lost profits, even if LFR LIFE, LLC  has been advised of the possibility of such damages.

If, notwithstanding the other provisions of these Terms of Use, LFR LIFE, LLC  is found to be liable to you for any damage or loss which arises out of or is in any way connected with your use of the Website or any Content, LFR LIFE, LLC  liability shall in no event exceed the greater of (1) [method of calculating damages, e.g., any fees paid to access the Website during the six months prior to the circumstances giving rise to liability], or (2) US$100.00. Some jurisdictions do not allow limitations of liability, so the foregoing limitation may not apply to you.

Indemnity

You agree to indemnify and hold LFR LIFE, LLC  its officers, directors, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims, or expenses (including attorneys’ fees), made against Hinz Consulting by any third party due to or arising out of or in connection with your use of the Website.

Violation of These Terms of Use

LFR LIFE, LLC  may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Website, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) LFR LIFE, LLC  rights or property, or the rights or property of visitors to or users of the Website, including LFR LIFE, LLC  customers. Hinz Consulting reserves the right at all times to disclose any information that Hinz Consulting deems necessary to comply with any applicable law, regulation, legal process or governmental request. Hinz Consulting also may disclose your information when LFR LIFE, LLC  determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes.

You acknowledge and agree that LFR LIFE, LLC  may preserve any transmittal or communication by you with LFR LIFE, LLC  through the Website, and may also disclose such data if required to do so by law or if LFR LIFE, LLC  determines that such preservation or disclosure is reasonably necessary to (1) comply with legal process, (2) enforce these Terms of Use, (3) respond to claims that any such data violates the rights of others, or (4) protect the rights, property or personal safety of LFR LIFE, LLC  , its employees, users of or visitors to the Website, and/or the public.

You agree that LFR LIFE, LLC  may, in its sole discretion and without prior notice, terminate your access to the Website and/or block your future access to the Website if we determine that you have violated these Terms of Use or other agreements or guidelines which may be associated with your use of the Website. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice, and will cause irreparable harm to Hinz Consulting, for which monetary damages would be inadequate, and you consent to LFR LIFE, LLC  obtaining any injunctive or equitable relief that LFR LIFE, LLC  deems necessary or appropriate in such circumstances. These remedies are in addition to any other remedies LFR LIFE, LLC  may have at law or in equity.

You agree that LFR LIFE, LLC  may, in its sole discretion and without prior notice, terminate your access to the Website, for cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) discontinuance or material modification of the Website or any service offered on or through the Site, or (3) unexpected technical issues or problems.

If LFR LIFE, LLC  does take any legal action against you as a result of your violation of these Terms of Use, Hinz Consulting will be entitled to recover from you, and you agree to pay, all reasonable attorneys’ fees and costs of such action, in addition to any other relief granted to Hinz Consulting. You agree that Hinz Consulting will not be liable to you or to any third party for termination of your access to the Website as a result of any violation of these Terms of Use.

Governing Law; Dispute Resolution

You agree that all matters relating to your access to or use of the Website, including all disputes, will be governed by the laws of the United States and by the laws of the State of Virginia without regard to its conflicts of laws provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in placeholder, and waive any objection to such jurisdiction or venue. The preceding provision regarding venue does not apply if you are a consumer based in the European Union. If you are a consumer based in the European Union, you may make a claim in the courts of the country where you reside. Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. No recovery may be sought or received for damages other than out-of-pocket expenses, except that the prevailing party will be entitled to costs and attorneys’ fees. In the event of any controversy or dispute between LFR LIFE, LLC  and you arising out of or in connection with your use of the Website, the parties shall attempt, promptly and in good faith, to resolve any such dispute. If we are unable to resolve any such dispute within a reasonable time (not to exceed thirty (30) days), then either party may submit such controversy or dispute to mediation. If the dispute cannot be resolved through mediation, then the parties shall be free to pursue any right or remedy available to them under applicable law.

Feedback

If you have questions, comments, or a complaint related to these Terms, you may contact us at info@lfrlife.com  Any feedback you provide on the Website shall be deemed to be non-confidential. Hinz Consulting shall be free to use such information on an unrestricted basis.

Copyright Notice

The information contained in this website is subject to change without notice.
Copyright © 2004– 2018 LFR LIFE, LLC  , LLC. All rights reserved.
LFR LIFE, LLC 2465 Centreville Rd J17-730, Herndon, VA 2017     

PRIVACY POLICY

Effective on December 10, 2018

During your use of the LFR LIFE, LLC  (“The Catalina Technique”) Website located at www.thecatalinatechnique.com (the “Website”), you may provide information about yourself. LFR LIFE, LLC  works hard to ensure that it has taken steps to prevent the unlawful or unauthorized use of your information. This is our Privacy Policy and it explains how and why LFR LIFE, LLC  collects, uses, and protects information collected on the Website. By using the LFR LIFE, LLC  Website, you consent to the terms and conditions of this Privacy Policy.

[The consent statement above is not sufficient to comply with the European Union General Data Protection Regulation (GDPR). The GDPR requires affirmative consent. One way to accomplish this is asking your web department to create a pop-up message that asks website visitors to tick a box or click a link to indicate their consent to your Privacy Policy or stop using the website. (See GDPR Recital 32.) This pop-up should record information about the person who gave their consent (such as their IP address), when they consented (timestamp), and what they consented to (keep records of what your Privacy Policy said at the time they consented) to comply with Article 7(1) of the GDPR.]

Children

Our services are not directed to children, and you may not use our services if you are under the age of 13 years old. You must also be old enough to consent to the processing of your personal data in your country.

What information do we collect?

We may collect personal information that you provide to us by, for example, using the contact form on the Website. Specifically, we may collect:
•    Your name;
•    Contact information (such as your address, phone number, and email address);
•    Financial information (such as your credit card number); and
•    Any other information you choose to provide.

The Website may also collect some non-personal information about you automatically, such as:
•    Your IP address and geographic location;
•    The date and time you access our Website;
•    The URLs of websites and pages you visit; and
•    Hardware and software information that we receive from your internet-enabled device.

[Does your organization receive any personal data from a source other than the person whose information it is? If so, the GDPR requires you to disclose the source.]

[Texas law (Tex. Bus. & Com. Code § 501.001 et seq.) says if you require disclosure of social security numbers, you must post a privacy policy that discloses how personal information is collected, used, and protected, who has access to it, and how will it be disposed of.]

Why do we collect, store, and process your information?

Your information may be collected to allow us to:
•    Answer your questions;
•    Send you important notices such as account or order information or changes to our policies;
•    Deliver products or services that you request;
•    Personalize your access to the Website;
•    Analyze errors and improve the operation of the Website;
•    Prepare statistics about the use of the Website;
•    Present offers that may be of interest to you; and
•    Keep the Website, its users, and systems connected to the Website secure.

[Review the above to make sure it is true for your organization. Also, if your organization makes decisions that have significant effects (such as whether to offer a loan) based solely on automated processing of personal data, the GDPR requires you to disclose this.]

The legal basis we have for processing your personal data

The General Data Protection Regulation (GDPR) requires data collectors such as LFR LIFE, LLC  to have a legal basis to use personal data collected from the EU and the UK. Therefore, this section applies to any such personal data collected by Hinz Consulting.

The legal basis for processing your personal data is your consent LFR LIFE, LLC  may also process your personal data if we haves a legitimate interest in doing so, and if this processing is permitted by law.

How to control cookies
LFR LIFE, LLC  may use “cookies” or similar technologies to collect some of the non-personal information described above, for example, your IP address. A cookie is a small piece of text sent to your browser by a website you visit. It helps the website to remember information about your visit, like your preferred language and other settings. You can adjust your browser settings to block or disable cookies. You can find more information about deleting and controlling cookies here: https://www.aboutcookies.org/.

How we respond to do not track signals

Your browser may be able to send a “Do Not Track” message when you visit our Website. Do Not Track messages do not hide any of your information, and Hinz Consulting accepts no responsibility or liability whatsoever for complying with Do Not Track requests.

How we protect your information
LFR LIFE, LLC  has put technical and organizational safeguards in place to help prevent loss of or unauthorized access to the information we collect.

1.    What steps do you take to secure personal information?
2.    Do you offer or mandate any data protection training for your employees?
3.    Do you routinely review and update your privacy policy and practices?
4.    For GDPR compliance purposes, if you send data collected from the EU or the UK to a third-party processor, do you first verify that the processor complies with the GDPR? Do you use the GDPR model contractual clauses?

When and how we share your information with others
LFR LIFE, LLC  will not share your personal information with third parties except:
•    Where you have given your express consent;
•    When LFR LIFE, LLC  , in good-faith judgment, determines it needs to provide your information to a third party to deliver services you requested;
•    If part or all the ownership of LFR LIFE, LLC  is sold or transferred, your information may be transferred to the new owner; or
•    When disclosure is required by law, or to protect the rights, property, or personal safety of personnel of LFR LIFE, LLC  , or members of the public.

[Does your organziation plan to transfer any data from your website users to third parties such as Google AdWords or Google Analytics? If so, you should disclose that information here to comply with the GDPR and the California Online Privacy Protection Act (CalOPPA) (Cal. Bus. & Prof. Code § 22575 – 22579). Additionally, the California Attorney General recommends linking to the privacy policies of third parties with whom you share personally identifying information if you are required to comply with CalOPPA.]

How long do we keep your information?

We may keep your information on file for the maximum period allowed by law, or indefinitely if there is no such period. If you are in the EU or the UK, you have a right to, among other things, request that we delete your personal data.

International users

This Website is hosted on web servers in the United States. If you are accessing the Website from a non-U.S. location, your provision of personal information or other access to our Website constitutes your transfer of such data to the United States, a jurisdiction that may not provide a level of data protection equivalent to the laws in your home country.

[The above disclaimer will NOT exempt your organization from being required to comply with the GDPR. Additionally, your organization can get some “safe harbor” protection for data you transfer from the EU to the US by joining the “Privacy Shield” program. Visit https://www.privacyshield.gov for more information. To join the Privacy Shield, your organization must (1) self-certify your compliance with the Privacy Shield principles to the US Department of Commerce, and (2) post a compliant privacy policy. You can quickly adapt this template to make it Privacy Shield-compliant by following the guidance and using the model language provided here: https://www.privacyshield.gov/article?id=Privacy-Policy-FAQs-1-5.]

Your GDPR personal data privacy rights

If you accessed the Website from the European Union or the United Kingdom, you have the right to:
•    Request a copy of your personal data;
•    Request corrections to your personal data;
•    Request that we delete your personal data;
•    Withdraw your consent for collection and processing of your personal data; and
•    File a complaint with the data protection authorities in your home country if you believe your personal data privacy rights were violated.

To file a request, or if you have any questions, please contact us by sending an email to info@lfrlife.com 

[If you allow California residents to review and request changes to any of their personally identifiable information, you must state this in your privacy policy to comply with CalOPPA.]

Information transmitted over the Internet is not secure
LFR LIFE, LLC  cannot guarantee the security or confidentiality of information that you send to us over the Internet. If you choose to send information to us over the Internet, including by email or contact form, you do so at your own risk.

Links to other websites

This Website may contain links to websites that are not controlled by LFR LIFE, LLC  (“Linked Websites”). LFR LIFE, LLC  accepts no responsibility or liability whatsoever for the content of Linked Websites. If you decide to visit Linked Websites, they may collect information from you, and your use of Linked Websites is solely at your own risk.

Contact us

If you have questions or complaints about this Privacy Policy, we encourage you to contact our Data Protection Officer. The contact information for our Data Protection Officer is:

Data Protection Officer
LFR LIFE, LLC
Don Hager
 info@lfrlife.com

[The GDPR requires you to appoint a Data Protection Officer (DPO) and provide contact information for your DPO if: (1) you are a public authority (other than a court acting in its judicial capacity); (2) Your core activities require large scale, regular and systematic monitoring of individuals (e.g., online behavior tracking); or (3) Your core activities consist of large scale processing of special categories of sensitive data (e.g., racial, political, religious, health, sexual) or data relating to criminal convictions and offences. Finally, even if you are not required to appoint a data protection officer, the GDPR still requires you to post your organization’s contact information.]

Changes to this Privacy Policy
LFR LIFE, LLC  may update its Privacy Policy from time to time. Updates to the Privacy Policy will appear in the “Privacy Policy” section of our website with a date noting the last update.

Last updated on DECEMBER 4, 2018

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