PLAN Institute was designed to balance the interests of all persons and businesses. As an information resource site, we are committed to establishing fair and coherent policies concerning privacy.
PLAN INSTITUTE PRIVACY POLICY
Registration/Subscription Information
Privacy Policy Statement
PLAN Institute has made your privacy a high priority. PLAN Institute has the responsibility to maintain the confidentiality of any information transmitted over the network and to protect the use of information you may reasonably expect us to keep private.
We will maintain the confidentiality of personal information you provide to PLAN Institute and use it only to support your customer relationship with PLAN Institute. In protecting your privacy rights, PLAN Institute:
- Protects your information from unauthorized access.
- Fulfills any request from you to remove your names from our telephone, email, or mail solicitation lists.
- Provides you with any account information we have about you upon request.
- Makes every effort to keep your records current and accurate.
- Collects, maintains and uses consumer information that is necessary to provide the most helpful and personalized products and services to meet yours and other consumers' needs.
- Maintains the confidentiality of your information when undertaking projects with other companies.
To guide us in our business decisions and to earn our customers trust, PLAN Institute has adopted the following client information principles to balance the application of technologies with the privacy concerns of consumers:
Accountability
PLAN Institute is responsible for any personal information under its control and for designating individual(s) accountable for compliance with the following principles.
Identifying Purposes
The purposes for collecting your personal information shall be identified at or before the time the information is collected.
Consent
Your knowledge and consent is required for the collection, use, or disclosure of your personal information, except where inappropriate.
Limiting Collection
The collection of your personal information shall be limited to that which is necessary for the purposes identified by PLAN Institute. Information shall be collected by fair and lawful means.
Limiting Use, Disclosure, and Retention
Your personal information shall not be used or disclosed for purposes other than those for which it was collected, except with your permission or as required by law. Your personal information shall be retained only as long as necessary for the fulfillment of those purposes.
Accuracy
Your personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
Safeguards
Security safeguards appropriate to the sensitivity of the information shall protect your personal information.
Openness
PLAN Institute will make readily available to you specific information about its policies and practices relating to the management of personal information.
Individual Access
Upon request, you will be informed of the existence, use, and disclosure of your personal information and shall be given access to that information. You can question the accuracy and completeness of your personal information and have it amended as appropriate.
Challenging Compliance
You may address any concerns relevant to compliance with the above principles to the individual(s) accountable for compliance.
PLAN Institute was designed to balance the interests of all persons and businesses. As an information resource site, we are committed to establishing fair and coherent policies concerning issues such as, commercial use of subscriber information, deleting listings, controlling access, and so on. This list of policy statements covers these and other issues.
- ACCEPTANCE OF TERMS
- TRADE-MARKS
- CONTENT
- DISCLAIMER AND WAIVER OF LIABILITY
- PLAN INSTITUTE PRIVACY POLICY
- ONLINE CONDUCT
- PLAN INSTITUTE'S RIGHTS
- APPLICABLE LAW
- TECHNICAL TERMS
1. ACCEPTANCE OF TERMS
PLAN Institute (this "Site") is an information resource web site operated by PLAN Institute. You may only use this Site on the terms contained in this Legal Notice (these "Terms"). If you do not agree to these Terms, you should exit this Site immediately. By continuing to access or use this Site, you are expressing that you agree with PLAN Institute that you are bound by these Terms. PLAN Institute is committed to establishing fair and coherent policies concerning issues such as commercial use of subscriber information, deleting listings, controlling access, and so on. These Terms cover these and other issues. PLAN Institute reserves the right to change this Site and these Terms at any time without notice.
2. TRADE-MARKS
Certain names, words, titles, phrases, logos, icons, graphics or designs in the pages of this Site may constitute trade names, registered or unregistered trademarks of PLAN Institute. All other trademarks, product names, and company names and logos appearing on this Site are the property of their respective owners.
3. CONTENT
(a) Proprietary Content
© PLAN Insitute 1999. PLAN Institute either owns the copyright in the contents displayed or embedded in this Site or has permission to use that material ("Content"). For the purposes of these Terms, Content includes both Content supplied by PLAN Institute and Content supplied by users ("User Content"). You acknowledge the validity of these rights, and agree that you may not copy, display, transmit or use any of the Content of this Site unless clearly permitted to do so by these Terms. Without prior written permission from PLAN Institute, users of this Site shall be entitled to copy and download Content for their own personal use but may not republish, redistribute or reproduce, in any form, any Content found in this Site other than for your own personal, educational, noncommercial use.
(b) Distribution/Uploading of User Content
Except as set forth in Section 3(a) above, you may upload to or otherwise distribute on PLAN Institute only User Content that is not subject to any copyright or other proprietary rights protection, or User Content in which the author has given express authorization for distribution on the World Wide Web. Any copyrighted or other proprietary User Content distributed with the consent of a copyright owner should contain a phrase such as "Copyright, owned by [name of owner]; used by permission." The unauthorized submission or distribution of copyrighted or other proprietary User Content is illegal and could subject you to criminal prosecution as well as personal liability for damages in a civil suit. You will be liable for any damage resulting from any infringement of copyrights or proprietary rights, or from any other harm arising from such submission. Neither PLAN Institute, nor its affiliates, nor PLAN Institute 's or its affiliate's officers, directors, employees, agents, Content providers, merchants, sponsors, licensors, or the like (collectively, "Affiliates"), will be liable for any damage resulting from any infringement of copyrights or proprietary rights, or from any other harm arising from such submission. By submitting User Content to any user-submit areas, you automatically grant, or warrant that the owner of such User Content has expressly granted PLAN Institute and its Affiliates the royalty-free, perpetual, irrevocable, nonexclusive right and license to use, reproduce, publish, translate, sub-license, copy, and distribute the User Content in whole or in part worldwide and/or to incorporate it in other works in any form, media, or technology now known or hereafter developed for the full term of any copyright that may exist in such User Content. You also permit any other person to access, store, or reproduce the User Content for that person's personal use. Subject to this grant, the owner of User Content placed on PLAN Institute retains any and all rights which may exist in such User Content.
(c) User Content
PLAN Institute is a distributor and not a publisher of Content supplied by third parties and users. PLAN Institute has no more editorial control over such Content than does a public library or newsstand. Any opinions, advice, statements, services, offers, or other information that constitutes part of Content expressed or made available by third parties, including Affiliates or any other user of PLAN Institute, are those of the respective authors or distributors and not of PLAN Institute or its Affiliates.
4. DISCLAIMER AND WAIVER OF LIABILITY
You expressly agree that use of PLAN Institute is at your sole risk. Neither PLAN Institute nor its Affiliates warrant that PLAN Institute will be uninterrupted or error-free, nor do they make any warranty as to the results that may be obtained from the use of PLAN, or as to the accuracy, reliability, or currency of this Site or any information, Content, User Content, materials, services or products provided through PLAN Institute or this Site.
THIS SITE IS PROVIDED BY PLAN INSTITUTE ON AN "AS IS" AND "AS AVAILABLE" BASIS. PLAN INSTITUE AND ITS AFFILIATES MAKE NO CONDITIONS, REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE, THE INFORMATION, CONTENT, USER CONTENT, MATERIALS, SERVICES OR PRODUCTS INCLUDED ON THIS SITE. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, PLAN INSTITUTE AND ITS AFFILIATES DISCLAIM ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. NEITHER PLAN INSTITUTE NOR ITS AFFILIATES WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM USE OF THIS SITE, INCLUDING BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO ANY DAMAGES YOU MAY SUFFER IF YOU TRANSMIT CONFIDENTIAL OR SENSITIVE INFORMATION TO THIS SITE OR IF PLAN INSTITUTE OR ITS AFFILIATES COMMUNICATE SUCH INFORMATION TO YOU AT YOUR REQUEST OVER THE INTERNET. NO ORAL ADVICE OR WRITTEN INFORMATION GIVEN BY PLAN OR BY ITS AFFILIATES SHALL CREATE A CONDITION, REPRESENTATION OR WARRANTY; NOR SHALL YOU RELY ON ANY SUCH INFORMATION OR ADVICE. CONTENT IS INTENDED FOR GENERAL INFORMATION PURPOSES ONLY, AND YOU ARE URGED TO CONSULT YOUR PLAN ADMINISTRATOR, INSURANCE COMPANY, PHYSICIAN, LEGAL OR FINANCIAL ADVISOR CONCERNING YOUR OWN SITUATION AND ANY SPECIFIC QUESTIONS YOU MAY HAVE.
Under no circumstances shall PLAN Institute, its Affiliates, or any other party involved in creating, producing, or distributing this Site or Content be liable for any direct, indirect, incidental, special, or consequential damages that result from the use of or inability to use PLAN Institute, including but not limited to reliance by you on any information obtained from PLAN Institute or its Affiliates or that results from mistakes, omissions, interruptions, deletion of files or email, errors, defects, viruses, delays in operation or transmission, or any failure of performance, whether or not resulting from acts of God, communications failure, theft, destruction, or unauthorized access to PLAN Institute's records, programs, or services. You hereby acknowledge that this paragraph shall apply to this Site, all Content, User Content, materials, products and services available through PLAN Institute or this Site. Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, in such jurisdictions liability is limited to the fullest extent permitted by law. Content in PLAN Institute is not a solicitation or recommendation to purchase any services of any organization unless otherwise noted. Materials, products and services advertised on this Site are subject to the terms and conditions and limitations of the applicable agreements governing them, and are available only in the applicable provinces and territories of Canada, or other jurisdictions where they may be legally offered.
Links to other web sites from this Site are for convenience only. PLAN Institute does not control information available at those sites and does not endorse any third party products, services or information is expressed or implied by any information, material or content referred to or included on, or linked to or from this Site. It is your responsibility to verify any information contained within linked sites before relying on it. Also, the information contained in the links may be changed or updated at any time without notice. Linked sites may have their own terms and conditions, which you should locate and review.
5. PLAN INSTITUTE PRIVACY POLICY
Registration/Subscription Information
Privacy Policy Statement
PLAN Institute has made your privacy a high priority. PLAN Institute has the responsibility to maintain the confidentiality of any information transmitted over the network and to protect the use of information you may reasonably expect us to keep private. We will maintain the confidentiality of personal information you provide to PLAN Institute and use it only to support your customer relationship with PLAN Institute. In protecting your privacy rights, PLAN Institute:
- Protects your information from unauthorized access.
- Fulfils any request from you to remove your names from our telephone, e-mail, or mail solicitation lists.
- Provides you with any account information we have about you upon request.
- Makes every effort to keep your records current and accurate.
- Collects, maintains and uses consumer information that is necessary to provide the most helpful and personalized products and services to meet yours and other consumers' needs.
- Maintains the confidentiality of your information when undertaking projects with other companies.
To guide us in our business decisions and to earn our customers trust, PLAN Institute has adopted the following client information principles to balance the application of technologies with the privacy concerns of consumers:
Accountability
PLAN Institute is responsible for any personal information under its control and for designating individual(s) accountable for compliance with the following principles.
Identifying Purposes
The purposes for collecting your personal information shall be identified at or before the time the information is collected.
Consent
Your knowledge and consent is required for the collection, use, or disclosure of your personal information, except where inappropriate.
Limiting Collection
The collection of your personal information shall be limited to that which is necessary for the purposes identified by PLAN Institute. Information shall be collected by fair and lawful means.
Limiting Use, Disclosure, and Retention
Your personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the your or as required by law. Your personal information shall be retained only as long as necessary for the fulfillment of those purposes.
Accuracy
Your personal information shall be as accurate, complete, and up-to-date as is necessary for the purposes for which it is to be used.
Safeguards
Security safeguards appropriate to the sensitivity of the information shall protect your personal information.
Openness
PLAN Institute will make readily available to you specific information about its policies and practices relating to the management of personal information.
Individual Access
Upon request, you will be informed of the existence, use, and disclosure of your personal information and shall be given access to that information. You can question the accuracy and completeness of your personal information and have it amended as appropriate.
Challenging Compliance
You may address any concerns relevant to compliance with the above principles to the individual(s) accountable for compliance.
6. ONLINE CONDUCT
(a) Misrepresentation of a User Identity
Security measures built into the registered user process are designed to discourage another user from assuming your identity in this Site. Your email address, confirmed by your date of birth, to which we send the newsletters or passwords to permits us to modify a listing (one email address can control only one listing). Despite these precautions, it is possible for someone to assume your identity in this Site if you are not a registered user. If you find that someone has registered using your name in the system, please tell us. Either send an email to the Managing Editor at this Site. On receiving your notification, we will inform the other party, and remove the listing.
(b) Offensive Content
No offensive content will be tolerated on this Site. PLAN Institute reserves the exclusive right to establish and modify criteria for what constitutes offensive content, and the right to remove offensive content. If you find offensive listings, advertisements, or home pages in this Site, please inform PLAN Institute by sending email to this Site's Managing Editor.
7. PLAN INSTITUTE'S RIGHTS
PLAN Institute reserves the right to terminate or suspend your access to all or a part of this Site, without notice, for any conduct PLAN Institute, in its sole discretion, believes violates these Terms, any applicable law or is harmful to the interests of PLAN Institute, its Affiliates, or another person.
8. APPLICABLE LAW
These Terms are governed by the laws of British Columbia, Canada. Any disputes relating to this Site or These Terms will be resolved in the Supreme Court of British Columbia.
9. TECHNICAL TERMS
Advertising Networks
Companies that gather millions of profiles of web surfers based on their online habits. Ads are then targeted toward certain visitors.
Cookies
These small files keep a log of where people click, allowing sites to track visitors' habits. Cookies are placed on visitors' computers when they visit sites or use things like shopping carts, web-based mail programs, personalized weather, or calendars. They can also be used solely for tracking preferences and are usually harmless.
IP Address
Every website has an IP address, which is an identifier for a computer or device. A number is automatically assigned to your computer whenever you connect to the Internet. The format of an IP address is a numeric address represented by four numbers separated by periods. Addresses are sometimes used in profiling and ad targeting. The numbers can be from zero to 255. For example, 2.70.123.12 could be an IP address.
Online Profiling
By using cookies, sometimes with personal information, sites construct profiles about what customers do or don't buy, what they look at, how much time they spend in different areas, what site they most recently visited, and what ads they click on.
Opt-In and Opt-Out
Some sites allow their visitors to have choices for how their information is being used. In opt-out situations, the site is free to gather and sell information on you unless you specifically tell it not to. With opt-in, the site will not gather information unless you give your consent.
Personally Identifiable Information
Your name, address, or credit card number and other details linked to your identity.
Privacy Policies
Notices posted on a website, such as on this one, that disclose how a company collects, uses, and shares data with partners, affiliates, or advertisers. They should always be easy to understand and have a prominent place throughout the site.
Privacy Seals
A graphical display on websites which shows that the site has disclosed their personal information collection and privacy practices in a straightforward privacy statement, generally a link from the home page. Sites that display these promise that they are working with third party organizations. The website must undergo careful scrutiny and pay a licensing fee.
Referers
Information that your web browser passes along when you move from one site to the next, use a search engine, or send email. This usually includes such information as the browser version you are using, such as Netscape 4.7. Referers can be collected for advertising purposes.
Registrations
These are found anywhere you fill out personal information in order to download software, sign up for a free service, or buy something online. Usually most fields are optional. A valid email address is almost always required. The data may be sold or shared with other websites or advertisers. Some sites allow users to opt-in or opt-out.
Spam
Unsolicited commercial email sent indiscriminately to multiple mailing lists, individuals, or newsgroups.
Third-Party Databases
Companies that gather information such as name, address, phone numbers, and income on many households around the world.
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