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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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Helping Others

If you have a good cause or charity you would like to help out, Life Answers Back makes it easy for you to help and become a hero. It's as easy as telling others to “Check out Life Answers Back.” If they enter through a unique link we will provide you, $2 of their subscription fee goes to support whatever group you would like to help. No door-to-door selling, no phone calls, no selling gift wrap at work for your child's school fundraiser - just request an affiliate code for your cause or charity and you are ready to start. You can monitor the money raised in your “My Account” page. Just click on “Request affiliate code” below.