Terms of Service and Privacy Policy

Terms of Service:
The following terms and conditions govern all use of the livwithchange.com website and all content, services and products available at or through the website (taken together, the Website). The Website is owned and operated by Liv With Change (“Liv With Change “). The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Liv With Change’s Privacy Policy) and procedures that may be published from time to time on this Site by Liv With Change (collectively, the “Agreement”).

Please read this Agreement carefully before accessing or using the Website. By accessing or using any part of the web site, you agree to become bound by the terms and conditions of this agreement. If you do not agree to all the terms and conditions of this agreement, then you may not access the Website or use any services. If these terms and conditions are considered an offer by Liv With Change , acceptance is expressly limited to these terms. The Website is available only to individuals who are at least 13 years old.

 

Payment and Renewal.
General Terms. By selecting a product or service, you agree to pay Liv With Change at the time of registration Payments are not refundable.

Support. If your service includes access to priority email support. “Email support” means the ability to make requests for technical support assistance by email at any time (with reasonable efforts by Liv With Change to respond within one business day) concerning the use of the VIP Services. “Priority” means that support takes priority over support for users of the standard or free livwithchange.com services. All support will be provided in accordance with Liv With Change standard services practices, procedures and policies.

Responsibility of Website Visitors. Liv With Change has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, Liv With Change does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. Liv With Change disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.

Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which livwithchange.com links, and that link to livwithchange.com. Liv With Change does not have any control over those non-Liv With Change websites and webpages, and is not responsible for their contents or their use. By linking to a non-Liv With Change website or webpage, Liv With Change does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. Liv With Change disclaims any responsibility for any harm resulting from your use of non-Liv With Change websites and webpages.

Copyright Infringement and DMCA Policy. As Liv With Change asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by livwithchange.com violates your copyright, you are encouraged to notify Liv With Change in accordance with Liv With Change’s Digital Millennium Copyright Act (“DMCA”) Policy. Liv With Change will respond to all such notices, including as required or appropriate by removing the infringing material or disabling all links to the infringing material. Liv With Change will terminate a visitor’s access to and use of the Website if, under appropriate circumstances, the visitor is determined to be a repeat infringer of the copyrights or other intellectual property rights of Liv With Change or others. In the case of such termination, Liv With Change will have no obligation to provide a refund of any amounts previously paid to Liv With Change .

Intellectual Property. This Agreement does not transfer from Liv With Change to you any Liv With Change or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with Liv With Change . Liv With Change , livwithchange.com, the livwithchange.com logo, and all other trademarks, service marks, graphics and logos used in connection with livwithchange.com, or the Website are trademarks or registered trademarks of Liv With Change or Liv With Change’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any Liv With Change or third-party trademarks.

Changes. Liv With Change reserves the right, at its sole discretion, to modify or replace any part of this Agreement. It is your responsibility to check this Agreement periodically for changes. Your continued use of or access to the Website following the posting of any changes to this Agreement constitutes acceptance of those changes. Liv With Change may also, in the future, offer new services and/or features through the Website (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of this Agreement.
Termination. Liv With Change may terminate your access to all or any part of the Website at any time, with or without cause, with or without notice, effective immediately. If you wish to terminate this Agreement or your livwithchange.com account (if you have one), you may simply discontinue using the Website. Notwithstanding the foregoing, if you have a paid services account, such account can only be terminated by Liv With Change if you materially breach this Agreement and fail to cure such breach within thirty (30) days from Liv With Change’s notice to you thereof; provided that, Liv With Change can terminate the Website immediately as part of a general shut down of our service. All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Disclaimer of Warranties. The Website is provided “as is”. Liv With Change and its suppliers and licensors hereby disclaim all warranties of any kind, express or implied, including, without limitation, the warranties of merchantability, fitness for a particular purpose and non-infringement. Neither Liv With Change nor its suppliers and licensors, makes any warranty that the Website will be error free or that access thereto will be continuous or uninterrupted. You understand that you download from, or otherwise obtain content or services through, the Website at your own discretion and risk.

Limitation of Liability. In no event will Liv With Change , or its suppliers or licensors, be liable with respect to any subject matter of this agreement under any contract, negligence, strict liability or other legal or equitable theory for: (i) any special, incidental or consequential damages; (ii) the cost of procurement for substitute products or services; (iii) for interruption of use or loss or corruption of data; or (iv) for any amounts that exceed the fees paid by you to Liv With Change under this agreement during the twelve (12) month period prior to the cause of action. Liv With Change shall have no liability for any failure or delay due to matters beyond their reasonable control. The foregoing shall not apply to the extent prohibited by applicable law.

General Representation and Warranty. You represent and warrant that (i) your use of the Website will be in strict accordance with the Liv With Change Privacy Policy, with this Agreement and with all applicable laws and regulations (including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside) and (ii) your use of the Website will not infringe or misappropriate the intellectual property rights of any third party.
Indemnification. You agree to indemnify and hold harmless Liv With Change , its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of the Website, including but not limited to your violation of this Agreement.

Miscellaneous. This Agreement constitutes the entire agreement between Liv With Change and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of Liv With Change , or by the posting by Liv With Change of a revised version. Except to the extent applicable law, if any, provides otherwise, this Agreement, any access to or use of the Website will be governed by the laws of the Ontario, Canada, excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in Toronto, Ontario . Except for claims for injunctive or equitable relief or claims regarding intellectual property rights (which may be brought in any competent court without the posting of a bond), any dispute arising under this Agreement shall be finally settled in accordance with the Comprehensive Arbitration Rules of the Judicial Arbitration and Mediation Service, Inc. (“JAMS”) by three arbitrators appointed in accordance with such Rules. The arbitration shall take place in Toronto, Ontario , in the English language and the arbitral decision may be enforced in any court. The prevailing party in any action or proceeding to enforce this Agreement shall be entitled to costs and attorneys’ fees. If any part of this Agreement is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of this Agreement or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under this Agreement to any party that consents to, and agrees to be bound by, its terms and conditions; Liv With Change may assign its rights under this Agreement without condition. This Agreement will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.
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Privacy Policy:
Liv With Change (“Liv With Change “) operates livwithchange.com and may operate other websites. It is Liv With Change’s policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors: Like most website operators, Liv With Change collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Liv With Change’s purpose in collecting non-personally identifying information is to better understand how Liv With Change’s visitors use its website. From time to time, Liv With Change may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Liv With Change also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on livwithchange.com blogs/sites. Liv With Change only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Liv With Change’s websites choose to interact with Liv With Change in ways that require Liv With Change to gather personally-identifying information. The amount and type of information that Liv With Change gathers depends on the nature of the interaction. For example, we ask visitors who sign up at livwithchange.com to provide a username and email address. Those who engage in transactions with Liv With Change are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Liv With Change collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with Liv With Change . Liv With Change does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics: Liv With Change may collect statistics about the behavior of visitors to its websites. Liv With Change may display this information publicly or provide it to others. However, Liv With Change does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information: Liv With Change discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Liv With Change’s behalf or to provide services available at Liv With Change’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Liv With Change’s websites, you consent to the transfer of such information to them. Liv With Change will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Liv With Change discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Liv With Change believes in good faith that disclosure is reasonably necessary to protect the property or rights of Liv With Change , third parties or the public at large. If you are a registered user of an Liv With Change website and have supplied your email address, Liv With Change may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with Liv With Change and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Liv With Change takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies: A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. Liv With Change uses cookies to help Liv With Change identify and track visitors, their usage of Liv With Change website, and their website access preferences. Liv With Change visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Liv With Change’s websites, with the drawback that certain features of Liv With Change’s websites may not function properly without the aid of cookies.

Ads: Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Liv With Change and does not cover the use of cookies by any advertisers.

Privacy Policy Changes: Although most changes are likely to be minor, Liv With Change may change its Privacy Policy from time to time, and in Liv With Change’s sole discretion. Liv With Change encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a livwithchange.com account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.