By entering into this Agreement, you agree to our collection, use, and disclosure of your personal information in accordance with the Privacy and Communications Policy contained on this Website. This includes certain personal identifying information and billing/shipping information you provide during the registration and/or check-out process.
Information Security Policy
We use reasonable, industry standard security measures to protect your personally identifiable and billing information during transmission to this Website. For instance, when you provide any credit card or other billing or shipping information through our checkout process, we encrypt that information using secure sockets layer (SSL) encryption technology. We make no guarantee, warranty or representation that your name or email address, or any other Identity Information you provide through this Website, will remain secure at all times from any illegal or unauthorized access of the information by third parties. We shall not, under any circumstances, be held responsible or liable for information or transmissions that are accessed by third parties illegally or without authorization through this Website and/or network. We will report any unauthorized access of your information promptly upon discovery, and we will use our best efforts to remedy any security vulnerability that contributed to the unauthorized access.
Authority. If You are accepting these terms on behalf of another person or a company or other legal entity, You represent and warrant that You have full authority to bind that person, company, or legal entity to these terms of sale and otherwise have authority to enter into this Agreement.
Severability. If any provision of this Agreement is held by a court or other tribunal of competent jurisdiction, in whole or in part, to be invalid, illegal, or unenforceable in any respect, for any reason, the validity, legality and enforceability of the remainder of that provision, any other remaining provisions, and of the entire Agreement shall not in any way be affected or impaired thereby, and shall be interpreted, to the extent possible, to achieve the purposes as originally expressed with the provision found to be invalid, illegal or unenforceable. Each provision hereof is intended to be severable, and the validity, legality, or enforceability of any provision of this Agreement shall not affect the validity, legality, or enforceability of the remainder of the Agreement.
YOU AGREE TO GIVE UP YOUR RIGHTS TO BRING ANY CLAIMS RELATING TO THIS AGREEMENT OTHER THAN TO PROTECT YOUR INTELLECTUAL PROPERTY AND/OR YOUR USE OF THIS WEBSITE BEFORE A COURT OF LAW OR OTHER LEGAL TRIBUNAL AND TO RESOLVE ALL DISPUTES OR CLAIMS EXCLUSIVELY BY ARBITRATION. Except for actions to protect intellectual property rights and to enforce an arbitrator’s decision hereunder, any and all claims, disputes or controversies of whatever kind and nature, whether preexisting, present or future between You and us, our agents, employees, principals, directors, officers, shareholders, members, managers, successors and assigns, to the extent applicable, arising from or relating to this Agreement, its interpretation or validity, shall be resolved exclusively by binding arbitration pursuant to the then-current rules of the American Arbitration Association (“AAA”) and shall be administered by the AAA. Notwithstanding the foregoing, to the extent You have in any manner violated or threatened to violate our intellectual property rights, we may seek injunctive or other appropriate relief in state or federal court under the terms of this Agreement.
Any arbitration proceeding shall be exclusively brought and heard in the Rockford, Illinois. The arbitrator shall be authorized to grant any relief available under law or in equity and any award rendered shall be final and conclusive upon the parties, except that the arbitrator shall not be authorized to award punitive damages to either You or us. Any judgment may be entered in any court having jurisdiction and the arbitrator may award reasonable costs and fees, including reasonable attorney’s fees and all arbitration fees, to the prevailing party, notwithstanding the then current rules of the AAA. YOU AGREE THAT A WRITTEN NOTICE REQUESTING ARBITRATION MUST BE PROVIDED TO US WITHIN ONE (1) YEAR AFTER THE ACTS OR OCCURRENCES SUPPORTING SUCH A CLAIM, WITHOUT TOLLING FOR A FAILURE TO DISCOVER SUCH ACT OR OCCURRENCE. If You do not send a written notice to us within the requisite one (1) year period, You agree that any such claim (or claims) shall be waived and are hereby released by You and You shall be forever barred from asserting such claim (or claims) at any time after the expiration of such period.
Venue/Choice of Law. Any and all claims, demands, controversies or legal proceedings arising out of or related to this Agreement and/or your use of this Website may only be brought exclusively in the 17th Judicial Circuit Court situated in Rockford, Illinois, and You hereby expressly agree to submit to the personal jurisdiction of such court and consent to extra-territorial service of process. Further, You waive any right to challenge the selection and choice of jurisdiction and You acknowledge that the right of selection of jurisdiction being waived by You is a valid part of the consideration of the sale the subject of these terms. This Agreement shall be construed and enforced in accordance with the laws of the State of Illinois, without regard to conflict of laws principles and without regard to any applicable International laws, treaties or regulations including, but not limited to, the United Nations Convention on Contracts for the International Sale of Goods or any other uniform International trade laws.
Waiver. The waiver by us of a breach of any provision of this Agreement by You shall not operate or be construed as a waiver of any other or subsequent breach by You.
Force Majeure. Except for your payment of the purchase price or fees, neither party shall be liable for any delay or failure to perform to the extent caused by fire, flood, explosion, war, riot, embargo, labor disputes, compliance with any laws, regulations, orders, acts or requirements from the government, civil or military authorities, terrorist attacks, acts of God or the public enemy, or any act or event of any nature reasonably beyond such party’s control.
Prior Dealings. No course of prior dealings between the parties and no usage of trade will be relevant to determine the meaning of or interpretation of any provision contained in this Agreement.
Assignment. You may not assign, delegate or otherwise transfer all or any part of your rights or obligations under this Agreement without prior written consent by us. Any such attempted assignment, delegation, or transfer will be null and void.
Survival. Any provisions in these Terms which by their nature extend beyond the termination or expiration of any sale will remain in effect until fulfilled and will apply to both parties respective successors and permitted assigns.
No Joint Venture or Partnership. Nothing in this Agreement will be construed as creating a joint venture, partnership, agency or employment relationship between the parties, nor will either party have the right, power or authority to create any obligation or duty, express or implied, on behalf of the other.
Privacy and Communications Policy
This Privacy and Communications Policy (“Policy”) is effective as of 03-26-2018 .
This Policy sets forth how Kreative Strands LLC, an Illinois limited liability company (“we” or “us”), collects and uses the information you provide to us and certain other information that we automatically collect through your access and use of www.Kreativestrands.com (“Website”), or through any communications with us. YOU ACKNOWLEDGE AND AGREE THAT BY USING ANY PORTION OF THIS WEBSITE OR ANY SERVICES OFFERED ON THIS WEBSITE, SUCH USE SHALL INDICATE THAT YOU HAVE READ, UNDERSTAND AND THAT YOU AGREE TO OUR COLLECTION AND USE OF THE INFORMATION PROVIDED BY YOU OR AUTOMATICALLY COLLECTED BY US, AS SET FORTH IN THIS POLICY.
If you have any general questions or concerns about this Policy, you may contact us by sending an email with your questions, comments or concerns to KSCHMIDT@KREATIVESTRANDS.COM.
Changes to this Policy
If we decide at any time to change this Policy, we will revise the effective revision date posted at the top of this Policy. If we make significant changes to this Policy, We may also notify you by other means, such as by posting a notice somewhere prominently on our home page and/or notifying you the next time you access this Website via a pop-up window, etc. Failure to opt-out after receiving notice and following the opt-out instructions contained in the notice shall be deemed to be your assent to any such changes.
How We Collect Personal (Personally Identifiable) Information From You
There are a variety of ways in which you may submit certain personal information (personally identifiable information) on this Website. We collect the following specific items of personal information (collectively “Identity Information”) that you submit through your use of this Website: your first and last name, your physical address, your date of birth, your phone number, your social security number, your online contact information, photographs, videos, or audio files containing your image or voice and your email address.
We may ask our visitors for their email addresses and sometimes for their first and last names in order to provide any newsletters or other materials they have signed up to receive through this Website from time to time. When you provide this information to us, we collect and store this information and use it as specifically set forth in this Policy.
When you register to access and use the services or features offered through our Website, you will be asked to provide your Identity Information. We collect this information and use it as set forth in the remainder of this Policy.
You will also be asked to create and provide a user name and password each time you log-in to access any restricted or members-only portions of this Website and we collect and store this information on our database.
We collect and store your email address and all Identity Information that you provide during the check-out process when you purchase any products or services sold through this Website. We use this information as set forth in the remainder of this Policy. All credit card or other billing information you submit is only used for payment processing or fraud prevention and we do not share or disclose your credit card or other billing information with third parties except with our third party payment processor. Any specific credit card or billing information will not be kept on our server logs longer than necessary in order to complete any single transaction, unless you elect that we retain your credit card information for future purchases, or pursuant to any recurring fees required to be paid pursuant to any product(s) we sell.
User Comments and Content
When you leave any comments on our Website, we collect and store this information in our database along with your email address and author name. We use any Identity Information we collect from you as described in this Policy. Comments, by their nature, are immediately and publicly visible to all visitors to this website and they are not private. When you share information publicly, it may be indexable by search engines. Do not post information you consider to be private in nature.
Personal Information from Children Under 13
Children under the age of 13 are expressly prohibited from submitting or posting any Identity Information on this Website. We do not knowingly collect information from children under the age of 13 and do not intend that any materials contained on this Website are directed to or targeted towards children under the age of 13. If it does come to our attention that any child under the age of 13 has submitted any personal information to this Website, we will delete all such information that we have collected immediately. If you are a parent or guardian and you discover that your child under the age of 13 has submitted any of his or her Identity Information without your permission or consent, we will remove the information immediately upon your request. All requests should be made by email and sent to Kschmidt@kreativestrands.com. Please include your child’s name and a description of the type of information you think he or she may have submitted to this Website.
When you access and use the services offered through our Website, we collect any screen name(s) you use and display on this Website. We may collect any lists of contacts that you create or upload on this Website when you use any of our services, including the personal identifying information you provide about your contacts. The manner in which we use, share or disclose this information is expressly stated in this Policy and is referred to as “Covered Information.
We collect certain information from your mobile device through any mobile application offered through this website you may download to such device, which may include physical device location information such as your phones zip code, demographic information such as age and gender, the unique device ID number and/or any application use data which is used by our business for internal analysis and research purposes. We use and share this information as set forth in this Policy. We also collect and store use information regarding your use of any application you download to your mobile device, such as how frequently you use the application, how much time you spend on the application, where you spend time on the application, etc. We do this for internal analysis and research in order to enhance the application or offer additional applications.
Surveys, Contests and Sweepstakes
When you participate in any surveys, contests, drawings or similar offerings, we will ask you to provide certain Identity Information including your name and/or email address or your age in order to complete these actions. We store this information and may use it to notify you regarding important information or the results of any contest, drawing or offering or about any future surveys, contests or similar offerings. This information will be identified prominently in these various offerings. When you choose to enter a sweepstakes, contest or other promotion, your Identity Information may also be disclosed to sponsors or other third parties who help us design, administer and implement the sweepstake, contest, promotion, etc. Some of your Identity Information also may be disclosed as required by law. Terms and conditions specific to each sweepstakes, contest or promotion will be listed on our Website.
When you provide any Identity Information through any form contained on this Website, including in order to contact us, we collect and store this information. We may use your email or any other Identity Information you provide as expressly set forth in this Policy.
How We Automatically Collect Non-Personal Information
When you access our Website, we collect and store certain non-personally identifying information sent automatically by your browser using standard web server logs and automatic data collection tools such as direct and third-party cookies and web beacons. This information includes your IP address, which may tell us your general location information such as your country and sometimes your city, state and/or zip code, the domain name from which you access our Website, your browser type and language, the pages you access, the date and time you access pages on our Website and your operating system version. We also may determine what technology is available through your browser in order to provide you with the most appropriate version of any of our web pages. For example, we may determine that you have installed a version of Flash, and we will then send you the appropriate Flash version of the web page rather than an HTML page. We may also use this information to redirect you to a different version of our Website if you are accessing our Website through a mobile or similar device.
We may collect device-specific information about your mobile and other devices such as the type of device you are using, any unique device identifiers, mobile network information including phone numbers, device model, manufacturer, screen resolution, device capabilities, service provider, preferred user language and your page views. We do this to help us determine which aspects of the website work best for mobile traffic and which mobile marketing campaigns work best for the business, including mobile advertising, mobile search marketing, text campaigns, and desktop promotion of mobile sites and services.
Our Use of “Cookies” and Other Data Collection Tools
Both session cookies, which do not stay on your browser after you exit this Website, and persistent cookies, which remain on your computer until you delete them or they expire, are used by us. We reserve the right to monitor your use of this Website through the use of any automatic data collection tools at all times and you consent to our use of these tools when you use and access our Website. You can elect to turn off all cookies and web beacons through your browser settings. However, if you elect to do so, there may be some features of our Website that will not be available to you and some of our Website pages may not display properly. The cookies shall only be used to obtain non-personal information to improve your online experience. No other information is stored in these cookies.
Our Use of Third-Party Cookies
We allow third parties advertisers, advertising services and ad agencies to collect certain Information (e.g., the pages you visit, and which links you click, which ads you see and click on, and the categories of search terms you enter, etc.) through cookies, web beacons, and other technologies. This is done in an effort to understand your interests and deliver you advertisements that are relevant to your interests. In addition, we may work with third parties to help us track the ads that are delivered to you and to analyze the effectiveness of advertising on our Website. The information practices of these third parties are not covered under this Policy.
We may place ads on third-party websites belonging to any of our cross-marketing partners, affiliates or advertising partners, etc. We collect and store information regarding which of these websites you visit by using cookies and similar detection tools that identify you uniquely. If you would like to opt out of targeted advertising from us that occurs when visiting our third party advertising partners, please email Kschmidt@kreativestrands.com. Please note that this will opt you out of targeted ads from us and any other participating advertising partners, affiliates, etc. If you opt out, you will continue to receive general advertising from us on our Website not targeted to you.
We may use third-party cookies and other tracking tools to track whether or not you have visited our website by clicking on any links contained on one or more of any Facebook fan pages/posts we operate. We collect and store this information for internal analysis only.
We may collect your child’s actual location data when you access this Website or use any services we offer on this Website. This may include the GPS coordinates of your child’s mobile device or other actual location information from other sources such as through a Bluetooth MAC address, RFID, Wi-Fi connection location, or through cell phone triangulation. Any actual location information we collect other then through detection of your child’s IP address is collectively referred to as “Location Information” throughout this policy. You may at any time disallow our application to use your location by turning this off at the device level.
Linking or Bundling Your Information
We also may combine or link certain Identity Information with certain Use Information or other information we collect about you. For example, we may link your email address with the length of time you spend on our website. (“Linked Information”). The manner in which we use and share Linked Information is set forth in this Policy.
How We Use and Share Your Personal Information
Promotional Use of Personal Information
We use your e-mail address to send periodic promotional e-mails to you about our services and products, any new or upcoming products or otherwise related to any products or services we sell, but only if you have elected to receive such email communications from us. You can opt-out of receiving any promotional emails or any newsletters/subscriptions at any time by following the opt-out procedure contained in the email, or by sending an email to Kschmidt@kreativestrands.com and requesting to opt-out of receiving such communications. Finally, we may send you text messages to any mobile number you provide to us for promotional or advertising purposes, in order to communicate certain necessary information to you or in order to facilitate some transaction with you though this Website. You can opt out of receiving text messages by texting the word “STOP” to any number that sends you text messages from us.
We use third party service providers to provide services and/or products to us necessary for hosting or operating this Website, and/or necessary for providing email services and similar services to our users. In the course of providing these services and/or products to us, such third parties may sometimes have limited access to information collected on this Website, including some of your Identity information. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us for any third party provider to use or disclose this information in any manner whatsoever other than as necessary to provide the applicable service to us. We share our files and some Identity Information we collect through this Website directly with third party independent contractors that provide customer support and other administrative services on our behalf. We contract such third parties for the limited purpose of assisting us operate this Website and/or provide support or administrative services in conjunction with any products or services that we may offer through this Website from time to time. This limited access is incidental to the services being provided by such third party contractors and no permission or consent is granted by us to use or disclose this information in any manner whatsoever, other than as necessary to provide the applicable services to us. We require that our independent contractors commit to uphold the privacy of any Identity Information or other information regarding our Website visitors or customers that we may share with them. We require that each of our contractors agree not to use or disclose any Identity Information or any other information relating to the services we provide, which may be disclosed to or shared with these parties during the course of their duties to us, except as absolutely necessary to perform their duties to us.
Billing and Shipping Agents
When you purchase anything from this Website, we also share the Identity Information you provide, your credit/debit card or bank account information you provide and any shipping information with third party credit card and payment processors such as PayPal, authorized.net., Google, etc. (which may include fraud screening and/or automated data processors) and with shipping agents such as UPS or Fed Ex. Any disclosure of this information is necessary to facilitate the specific transaction and will only be used by us for that strict purpose, unless otherwise stated in this Policy. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services to us and facilitate any transactions with you.
Current Shipping rates apply for domestic shipping.
Orders (retail) will ship out within 48 hrs with exception on larger quantity (wholesale) orders in which case those will ship within 5 business days and may take an additional day for the post office/shipping service to begin delivery.
Currently we only ship within the current 50 States of America.
Marketing & Business Consultants
We may share Linked Information, Demographic Information in association with certain Identity Information, past purchase or order history information, such as the products you have purchased, in association with Identity Information, Location Information in association with Identity Information or certain Identity Information by itself that we collect through your use of this Website with our marketing and/or business consultants (or partners) and any other similar such parties. We do this strictly in order to improve upon any aspect of our marketing strategies, sales practices or upon some other business practice. We may also share this information with third-party website and SEO consultants in order to help improve the functionality or accessibility of this Website, search engine visibility or to help us increase our web traffic. This limited access is incidental to the services being provided by such third parties and no permission or consent is granted by us to use or disclose this information in any manner other than as necessary to provide the applicable services or responsibilities to us. In such instances, we require that all such third party consultants or partners are committed to securing your Identity Information or any other information that we may share or disclose to them. We require that all such third parties agree: (i) to protect the privacy of all Identity Information or other personal information shared with such parties; and (ii) not to use or disclose our website visitors Identity Information or any other personal information for any purpose other than as absolutely necessary in order to provide us with the services the subject of our relationship with them.
Affiliates And Resellers
We may disclose to our affiliates and authorized resellers some of your Identity Information, such as your name and/or email address, along with certain Use Information, including a history of which products/services you purchase from us, in order to promote any future or related products or product promotions. These affiliates and/or resellers may use your email address to notify you about products and services offered by us. No permission or consent is granted by us to any of our affiliates or resellers to use or disclose this information in any manner other than as set forth herein. In such instances, we require that all of our affiliates and resellers are committed to securing your Identity Information or any other information we may share with them. We require that our affiliates and resellers agree: (i) to protect the privacy of all Identity Information or other personal information of our website visitors that we share with them; and (ii) not to use or disclose our website visitor’s Identity Information or any other personal information for any purpose other than to send our website visitors emails promoting any of our products or services.
We reserve the right to provide your Identity Information and any other information we collect and store as described in this Policy to any of our subsidiaries or affiliated business entities. Affiliated entities are entities affiliated with us and that we legally control. Any such separate entity or subsidiary shall comply with this Policy at all times and your Identify Information will be used and protected in a manner consistent with this Policy.
Cross-Marketing Advertising Partners & Ad Networks
From time to time, we may decide to share Linked Information, past purchase or order history in association with certain Identity Information, Location Information (such as your city, state and/or zip code) in association with certain Identity Information or certain Identity Information by itself that we collect through your use of this Website with other businesses or organizations whose website content, products or services we think may appeal to our users. These third parties may include certain cross-marketing partners or advertising partners or may include ad networks and such third parties may send promotional emails to you from time to time about their products or services or display targeted ads when you visit our Website. If you do not want us to share and disclose any of this information to such third parties, you can send an email request to Kschmidt@kreativestrands.com with the words “Information Opt-out” in the subject line and specifically request to opt-out of our sharing of this information to these third parties. Please provide us with your exact name and email address when opting-out. Once we receive your request, we will immediately cease sharing your information in the manner stated above. No permission or consent is granted by us to any of these third parties to use or disclose this information in any manner other than as set forth herein. In such instances, we require that all of these third parties agree not to use or disclose your email address for any purpose other than to send emails promoting any of their related products or services.
We share any Demographic Information, device location information, mobile application use information and/or unique phone identifiers we collect from mobile devices through mobile applications we offer through this Website to various ad networks. Sometimes, we may share location data and/or application use data linked to visitors through their unique device ID numbers that we have collected through your use of any mobile applications we offer through this Website with ad networks. When we collect contacts lists from visitors mobile devices through mobile applications, this information may be shared by us with ad networks, including any names, numbers or email addresses of contained in such contacts lists.
Do We Sell Your Identity Information?
We make every effort to respect your privacy and we will never sell, license or disclose any of your Identity Information, by itself or bundled with any website use or other information you provide or that we collect to any third parties for any purpose not expressly set forth in this Policy, without your express written consent. We only share or disclose any Identity Information or other information collected from You as expressly set forth in this Policy.
We may disclose certain Identity information if: i) requested via a subpoena, court order, or local, state, federal or international law enforcement request to release any such information; or ii) in order to investigate and help prevent security threats, fraud or other malicious activity; or iii) to protect our rights or protect our property, or any or the rights of our customers or other third parties.
When you visit this Website or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. If you send us an email communication, call us or send a written correspondence for any reason, we may create a file and store your email and other Identity Information specific to you. We generally will maintain a record and keep notes of all communications with you. All messages transmitted by you on this Website or to us shall not be treated as confidential and shall be deemed to be accessible to the general public. You should not transmit any communications or correspondences to us that you intend only the intended recipient(s) read. Notice is hereby given that all messages or electronic data transmitted onto this Website can and may be read by us, regardless of whether we are the intended recipient of any such message(s).
External Links Disclaimer
Third-Party Advertisements Disclaimer
We do require that all such third parties are committed to securing your Identity Information or any other personal information that our website visitors may share with them. We require that these third party sellers agree: (i) to protect the privacy of all Identity Information or other personal information you share with them; and (ii) not to use or disclose your Identity Information or any other personal information for any purpose other than as necessary in order to provide you with any products or services you decide to purchase from those third parties. Notwithstanding, You agree that we shall not, under any circumstances, have any liability to you for any damages of any kind whatsoever for the manner in which any such third parties use or disclose any personal, billing or other information you provide voluntarily, or that is collected by those websites, through your access or use of this Website.
Social Media Features and Widgets
How We Protect Your Information
We use reasonable, industry standard security measures in place protecting all Information you provide through this Website. For instance, when you provide any credit card or other billing or shipping information through our checkout process, we encrypt that information during transmission using either Secure Sockets Layer (SSL) or Transport Layer Security (TSL) encryption. We also use reasonable and customary security measures in order to protect against the loss, misuse or alteration of any Identity Information or any other information we collect and store. This includes protecting your information by using A multi-layered firewall based security system. We make no guarantee, warranty or representation that any information you provide through your use of this Website will remain secure at all times from any illegal or unauthorized access of the information by third parties. You agree that we shall not, under any circumstances, be held responsible or liable to you for any damages of any kind whatsoever related to any information or transmissions that are accessed by third parties illegally or without authorization through this Website and/or network. We will report any unauthorized access of your information promptly upon discovery and we will use our best efforts to remedy any security vulnerability that contributed to the unauthorized access.
Information Storage And International Transfer
Any Identity information and all other information which we collect on this Website will be stored and processed in our servers located in the United States. If you reside outside the United States, you consent to the collection, transfer, storage and processing of any information from your country to the United States.
How to Update, Change or View Your Personally Identifiable Information
If you would like to request any changes or updates to any Identity Information you have provided to us, or if you would like to view any information we have collected from your use of this Website, please contact us and request the same by sending an email to: Kschmidt@kreativestrands.com. Please include the words “Personal Information Request.” If you make any information requests, we will require that you provide proof of your identity, which may include providing us with a copy of a driver’s license, social security card and/or birth certificate. We also reserve the right to require that you sign and provide us with a notarized affidavit verifying your identity before we update or release any information to you.
California Resident Privacy Rights
California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of their personal information to third parties for their direct marketing purposes. California law also allows California residents to opt-out of having this information disclosed. If You are a California resident and desire to make such a request, please contact Kschmidt@kreativestrands.com. Please include the words “California Privacy Disclosure Request” in the subject line.
Upon any acquisition, merger, sale or other change of control of our business/organization, we reserve the right to transfer any Identity information you have submitted to this Website as part of the property owned by us to our successor resulting from such merger, acquisition, sale, etc. In the event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, We reserve the right to transfer your Identity Information to protect any of the our rights or as required by law.
These terms may be subject to change at anytime without prior notice and those who visit this site should check this page on a regular basis to be aware of such changes.