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Privacy Policy / Terms & Conditions

Overview
Thank you for visiting www.LifeAnswersBack.com ("our Web site" or "the Web site") and reviewing our privacy policy. We do not collect your personal information when you visit our Web site unless you choose to provide that information to us. We will not send you annoying spam or unsolicited solicitations for marketing purposes. We will not sell or transfer your personal information to outside parties for commercial purposes without your permission. In other words, you can trust us.
Membership and Subscription
When registering as a Member of LifeAnswersBack.com, you will receive a free, seven (7) trial of our services. As a Member, you will have access to and the ability to participate in all of the features and services available on LifeAnswersBack.com. If you do not cancel your subscription to LifeAnswersBack.com prior to the expiration of your seven (7) day free trial, the credit card you submitted when registering will be charged $12.95, for which you will receive a one-year subscription to LifeAnswersBack.com. We do not offer refunds for partial subscription periods and you must cancel your subscription before the end of the trial period in order to avoid being charged a subscription fee. By registering with LifeAnswersBack.com, you agree to pay Life Answers Back $12.95 for a one-year subscription to our website and you authorize Life Answers Back to charge your chosen payment provider for the annual subscription.
Information Collected and Stored Automatically
When you visit our Web site, we automatically gather information from your computer and browser, including your IP address, the domain from which you access our Web site, cookie information, software and hardware attributes, and our Web site pages, files and documents you request. This information is stored and used in aggregate form only, and is not used to contact you personally or create a profile regarding your personal use of our Web site.
Cookies
In addition to information collected automatically, we may also collect cookies, which are small pieces of information sent to your browser by a Web site when you visit. Cookies are utilized to track usage patterns, traffic trends and customer behavior, as well as to record other information from the Web site. When you register on the Web site, cookies also allow us to save information so that you will not have to re-enter it the next time you visit. Many Web site adjustments and improvements are made based on the data derived from cookies. Information derived from Cookies is only used in aggregate form and we do not use information that we collect from cookies to create profiles of Web site users and visitors. At times we may employ third parties to provide marketing services on our behalf. With our approval, these third parties may also place "cookies" for analysis purposes. These third parties will have access to the information needed to perform their functions but cannot use that information for any other purpose. These third parties will only have access to non-personal information about your visit or transaction, such as the URLs which lead you to and help you navigate our Web site, pages visited, etc., but will not have access to information that will allow them to personally identify you.
You may set your browser to refuse cookies from any Web site that you visit. If you choose to do so, you may still gain access to those Web sites but you may not be able to take advantage of some of all of those Web sites have to offer.
If You Send Us Personal Information
Our Web site only collects personal information which you knowingly and voluntarily provide by, for example, sending emails, completing membership or contest forms, responding to surveys or placing credit card or other merchant account orders. We may contact you via email to provide information about Life Answers Back, the Web site, opportunities or events that may interest you. We will never share your name or information outside of our Web site unless you affirmatively authorize and request that we do so through an "opt-in" mechanism.
We will only use your personal information for purposes authorized by you. However, we may disclose your personal information to prevent an emergency, to prevent harm to others, to respond to legal requirements, to protect or enforce our rights and policies, to protect or enforce the rights of a third party, or as required or permitted by law.
During your visit to our Web site, you may be presented with opportunities to opt-in to receive information from third parties who are not directly controlled or managed by Life Answers Back. If you opt-in to receive communications from these third parties, you may receive correspondence from these organizations on programs, products or services that might interest you. In the event you no longer wish to receive correspondence from these third parties, you will need to contact those parties directly and individually in order to be removed from their mailing list.
When we send you information by email, you will always have an immediate opportunity to opt-out of receiving further communication from us. If you no longer wish to receive email communications from us please use the contact specified in the email so that we can remove you from the email list that contains your name, or contacts us at Accounts@LifeAnswersBack.com and request removal from the email list.
Linking
Our Web site contains links to external, third-party Web sites that are not controlled or managed by Life Answers Back. In the event you utilize a link that directs you to an external, third-party Web site, Life Answers Back is not responsible for the privacy practices or the content of those Web sites. Any placements of external, third-party links on our Web site are not endorsements of those external, third-party Web sites or their content.
Children's Privacy
Our Web site is a general audience site and we do not intentionally or knowingly collect information about children. Should a child whom we know to be under the age of 13 makes known to us his or her personally identifiable information, we will utilize that information only to respond directly to that child to inform him or her that Life Answers Back must have parental or guardian consent before receiving his or her personally identifiable information.
Security
We take reasonable precautions to ensure that all credit card and merchant account transactions that occur on the Web site are secure. When you submit your credit card for any purchase on the Web site, that transaction is encrypted using "Secure Socket Layer" (SSL) encryption to prevent your credit card information from being seen as it travels over the Internet to our servers. We monitor network traffic to ensure that our site remains available to all users and to identify unauthorized attempts to access, upload or change information or otherwise cause damage.
Changes to Our Privacy Policy
We reserve the right to make changes and alter the privacy policy as we deem necessary. Any changes to the privacy policy are effective immediately upon posting to www.LifeAnswersBack.com. As a user of the Web site, it is your responsibility to review the posted privacy policy frequently as we do not provide any other type of notice with respect to changes to the privacy policy.
Questions
Questions about our Privacy Policy may be directed to us via email at Legal@LifeAnswersBack.com.
Site Security
We promise that your information is secure. Our Secure Sockets Layer (SSL) software is the industry standard and among the best software available today for secure online commerce transactions. It encrypts all of your personal information, including credit card number, name, and address, so that it cannot be read as the information travels over the Internet. Most browsers will show a lock icon in the bottom status bar on secure pages that ask for your name, password, address, or credit card.
Contact
Should you have any questions, please contact us at:

Life Answers Back, Inc.
638 Ferguson Avenue, Suite 3
Bozeman, MT 59718-6405

406-587-1251
406-586-1571 (Fax)
info@LifeAnswersBack.com
Effective May 1, 2010
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Frequently Asked Questions

CATEGORIES
General:
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Why do you charge a subscription fee?
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Billing:
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Billing 1
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Charities:
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Charitites 1
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Contests:
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Advice for Life- what kinds of advice are you looking for?
Can I submit more than one entry and win multiple times?
How can I be featured on the WOW Show?
How can I view past Caption Contest winners?
How do I enter a contest?
How long will winning entries be posted?
Prizes
What contests do you offer?
What are the rules for this contest?
May I give the scholarship prize to someone else?
Are there maximum word counts for entries?
How does the Life Lesson contest work?
What is the deadline for entries for Life Lessons?
What are the rules for the contests?
Can contests have multiple winners?
Are contest prizes transferable?
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Et Cetera:
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How do I win prizes?
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GENERAL
Why do you charge a subscription fee?
Unlike many websites, you will notice that Life Answers Back has no ads or pop-ups and we don't sell your information to third parties. We believe that some people would rather be entertained with a clean and beautiful website as opposed to being bombarded with various advertisements and emails from third party "associates". Your $12.95 subscription, which is less than .25 cents a week, provides you access to unique content as well as come of the most entertaining content from across the web, in a safe, beautiful and thoroughly enjoyable website that focuses on featuring our content in the best way possible.
BILLING
Billing 1
CHARITIES
Charitites 1
CONTESTS
Advice for Life- what kinds of advice are you looking for?
In a word: good. We aren't looking for any type of advice in particular, just advice that you believe will benefit our members.
Can I submit more than one entry and win multiple times?
Yes! The more you enter the better chance you have to win and the more you can possibly win. We don't limit the number of entries or the number of times a member can win. If your entries are determined to be "prize worthy" you win!
How can I be featured on the WOW Show?
This unique feature of our “Life’s Beauty” section features the talents of professional and talented amateur photographers. We present their work in a unique manner that members will enjoy and make them say “Wow!” We include information about the photographer and a link to their Website in case you would like to see more of their work.

If you would like your photography to be featured in the WOW Show, just go to the “Contact Us” section and e-mail us a request along with some information about you and some samples or a link to your photos so we can see your work.
How can I view past Caption Contest winners?
The best are turned into Life Cards. Go to the Life Cards section and click on the “Caption Contest” category.
How do I enter a contest?
Our “Care, Share & Win” section allows members to submit Life Lesson entries, photo entries, caption contest entries, and contributions to all our sections. While the Life Lessons prizes are the largest, we reward members with a gift subscription for anything we use on the site. Member submissions improve the site for everyone so we reward great entries!
How long will winning entries be posted?
Forever. As our content grows with time, members will always be able to browse through past features and entries whenever they want.
Prizes
All winners of our contests receive a one-year subscription to either use when you renew your membership or as a gift. In addition, the following contest winners are eligible for the following prizes:

Life Lesson: Your choice of $250 cash, $500 charitable donation or $1,000 college scholarship for you or a friend or loved one.

Life's Mail: If we use your submission to send to other members, you win $100!

The Best You've Never: $100 for the best entry of the month.


What contests do you offer?
Most sections of our site are open to member submissions for which you can be rewarded for your contributions. Be it a Life Lesson, your own beautiful photographs, Advice for Life, our caption contest, or sending us an e-mail that you think our members will enjoy, there are numerous ways to win on Life Answers Back while contributing to our site.
What are the rules for this contest?
Please see our contest rules. But, in a nutshell, your entry must be an original created by you or you must have permission to submit the entry created by another person.
May I give the scholarship prize to someone else?
One of the prizes you may choose as a winner of a Life Lesson contest is a $1,000 scholarship and yes, you can give it to someone else. If you win a Life lesson contest and choose the $1,000 scholarship as your prize, the check will be made out jointly to the recipient of your choice and the school he or she is attends or plans to attend.
Are there maximum word counts for entries?
No, but keep in mind that one of the key elements for judging is “How enjoyable, moving or insightful is the entry for our members?
How does the Life Lesson contest work?
If you see one of our Life Lessons and want to expand on it or offer your own Life Lesson on the same subject, just submit your entry on our Care, Share and Win page. There are no deadlines and you can enter as many times as you like. If we choose your Life Lesson as a winner, we will feature it on the site and you will receive your choice of $250 cash, $500 charitable contribution to a charity of your choice, or a $1,000 scholarship that can be used by you or a friend or family member.
What is the deadline for entries for Life Lessons?
No deadlines! You may submit an entry at any time on any subject covered in a Life Lesson, or submit your own unique Life Lesson. All Life Lessons along with winning entries from other members may be accessed from the Life Lessons page.
What are the rules for the contests?
You can see our full contest rules on the Care, Share and Win page. But, in a nutshell, anything you submit should be your own original work, or you should have a license or permission to use the submission.
Can contests have multiple winners?
Yes! Contests can have multiple winners. We aren't pitting LAB members against each other, we are simply asking that you share and contribute to the site for the enjoyment of other members. If we have more than one submission that we believe should be rewarded, then we will reward you.
Are contest prizes transferable?
Yes. If you supply a winning entry and want to give your prize to someone else, just tell us who to send the prize to and we will do so. For example, if your son or friend is going to college and can use some extra money for the college fund, we will make out the college scholarship check to the school they will be or are attending.
ET CETERA
How do I win prizes?
You can win cash prizes and scholarships by submitting content for the various sections of Life Answers Back. If we like it, we'll publish it for the community to read, and you may be eligible for rewards!