TERMS & CONDITIONS

Updated May 25, 2018

Kyle Rea, trading as AYFP: Achieve Your Full Potential are committed to safeguarding the privacy of our website visitors; in this policy we explain how we will treat your personal information.

By using our website, you consent to our use of cookies in accordance with the terms of this policy. We also recommend that you read the full Terms & Conditions, Privacy Policy and Earning Disclaimer.

Collecting Personal Information
We may collect, store and use the following kinds of personal information:

• Information about your computer and about your visits to and use of this website (including your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths)

• Information that you provide to us when registering with our website (including your email address);
  information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters (including your name and email address)

• Information that you provide to us when using the services on our website, or that is generated in the course of the use of those services (including the timing, frequency and pattern of service use)

• Information that you provide to us when subscribing or using our webinar services

• Information relating to any purchases you make of our services or any other transactions that you enter into through our website (including your name, address, telephone number, email address and card details);
  information that you post to our website for publication on the internet (including your user name, your profile pictures and the content of your posts)

• Information contained in or relating to any communication that you send to us or send through our website (including [the communication content and metadata associated with the communication); and
  any other personal information that you choose to send to us.

Before you disclose to us the personal information of another person, you must obtain that person's consent to both the disclosure and the processing of that personal information in accordance with this policy.

Using Personal Information
Personal information submitted to us through our website will be used for the purposes specified in this policy or on the relevant pages of the website.

We may use your personal information to:

• Administer our website and business;

• Personalise our website for you;

• Enable your use of the services available on our website;

• Supply to you services purchased through our website;

• Send statements, invoices and payment reminders to you, and collect payments from you;

• Send you non-marketing commercial communications;

• Send you email notifications that you have specifically requested;

• Send you our email newsletter, if you have requested it (you can inform us at any time if you no longer require the newsletter);

• Send you marketing communications relating to our business or the businesses of carefully-selected third parties which we think may be of interest to you, by post or, where you have specifically agreed to this, by email or similar technology (you can inform us at any time if you no longer require marketing communications);

• Provide third parties with statistical information about our users (but those third parties will not be able to identify any individual user from that information);

• Deal with enquiries and complaints made by or about you relating to our website;

• Keep our website secure and prevent fraud; and verify compliance with the terms and conditions governing the use of our website.

If you submit personal information for publication on our website, we will publish and otherwise use that information in accordance with the licence you grant to us.

We will not, without your express consent, supply your personal information to any third party for the purpose of their or any other third party's direct marketing.

All our website financial transactions are handled through our payment services providers, [PayPal and Crypto Currencies]. You can review the provider's privacy policy at [www.paypal.com]. We will share information with our payment services provider only to the extent necessary for the purposes of processing payments you make via our website, refunding such payments and dealing with complaints and queries relating to such payments and refunds.

Disclosing Personal Information
We may disclose your personal information to any of our employees and professional advisers insofar as reasonably necessary for the purposes set out in this policy. This may include service providers and specialist advisers who have been contracted to provide us with administrative, IT, financial, regulatory, compliance, insurance, research or other services.

We may disclose your personal information to any member of our group of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries) insofar as reasonably necessary for the purposes set out in this policy.

We may disclose your information to brokers with whom we have a mutual relationship. 

We may disclose your personal information: to the extent that we are required to do so by law;

• In connection with any ongoing or prospective legal proceedings;

• In order to establish, exercise or defend our legal rights (including providing information to others for the purposes of fraud prevention and reducing credit risk);

• To any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal information where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal information.

• Anyone authorised by you

Except as provided in this policy, we will not provide your personal information to other third parties.

International Data Transfers
Information that we collect may be stored and processed in and transferred between any of the countries in which we operate in order to enable us to use the information in accordance with this policy.

Personal information that you publish on our website or submit for publication on our website may be available, via the internet, around the world. We cannot prevent the use or misuse of such information by others.

You expressly agree to the transfers of personal information described in disclosing personal information.

Retaining Personal Information
Safeguarding the privacy of your information is important to us, whether you interact with us personally, by phone, by mail, over the interest or any other electronic device. We hold personal information in a combination of secure computer storage facilities and paper-based files and other records, and take steps to protect the personal information we hold from misuse, loss, unauthorised access, and modification of disclosure.

When we consider that personal information is no longer needed, we will remove any details that will identify you or we will securely destroy the records.

However, we may need to maintain records for a significant period of time. For example, we are subject to certain anti-money laundering laws, which require us to retain:

• A copy of the documents we used to comply with our customer due diligence obligations; and

• Supporting evidence and records of transactions with you and your relationship with us;

For a period of five years after our business relationship with you has ended.

If we hold any personal information in the form of a recorded communication, by telephone, electronic, in person or otherwise, this information will be held in line with local regulatory requirements which will either be 5 years or 10 years after our business relationship with you has ended. 

Where you have opted out of receiving marketing communications we will hold your details on our opt out list so that we know you do not want to receive these communications.

Security of Personal Information
We will take reasonable technical and organisational precautions to prevent the loss, misuse or alteration of your personal information.

We will store all the personal information you provide on our secure password and firewall-protected servers.

All electronic financial transactions entered into through our website will be protected by encryption technology.

You acknowledge that the transmission of information over the internet is inherently insecure, and we cannot guarantee the security of data sent over the internet.

You are responsible for keeping the password you use for accessing our website confidential; we will not ask you for your password (except when you log in to our website).

Amendments
We may update this policy from time to time by publishing a new version on our website.

You should check this page occasionally to ensure you are happy with any changes to this policy. As per recent GDPR requirements all current users will be provided with an updated privacy policy email, providing access to this page.

Your Rights
You may instruct us to provide you with any personal information we hold about you; provision of such information will be subject to: the payment of a fee currently fixed at USD $10; and the supply of appropriate evidence of your identity (for this purpose, we will usually accept a photocopy of your passport certified by a solicitor or bank plus an original copy of a utility bill showing your current address).

We may withhold personal information that you request to the extent permitted by law.

You may instruct us at any time not to process your personal information for marketing purposes. To do so please email us at Kyle@KyleRea.net

In practice, you will usually either expressly agree in advance to our use of your personal information for marketing purposes, or we will provide you with an opportunity to opt out of the use of your personal information for marketing purposes

Third Party Links
You might find links to third party websites on our Website. These websites should have their own privacy policies, which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.

Updating Information
Please let us know if the personal information that we hold about you needs to be corrected or updated. You can do this by emailing us at Kyle@KyleRea.net.

Cookies
Our website uses cookies.A cookie is a file containing an identifier (a string of letters and numbers) that is sent by a web server to a web browser and is stored by the browser. The identifier is then sent back to the server each time the browser requests a page from the server.

Cookies may be either "persistent" cookies or "session" cookies: a persistent cookie will be stored by a web browser and will remain valid until its set expiry date, unless deleted by the user before the expiry date; a session cookie, on the other hand, will expire at the end of the user session, when the web browser is closed. 

Cookies do not typically contain any information that personally identifies a user, but personal information that we store about you may be linked to the information stored in and obtained from cookies.

We use session cookies on our website. The names of the cookies that we use on our website, and the purposes for which they are used, are set out below: we use session to recognise a computer when a user visits our website, track users as they navigate the website, improve the website's usability, administer the website, prevent fraud and improve the security of the website, personalise the website for each user, validate authenticated users sessions and to facilitate the use of our website search engine.

Most browsers allow you to refuse to accept cookies. Blocking all cookies will have a negative impact upon the usability of many websites.
If you block cookies, you will not be able to use all the features on our website.

You can delete cookies already stored on your computer. Deleting cookies will have a negative impact on the usability of many websites.

We are committed to protecting your privacy and security and have explained in detail the steps we take to do so. We control this site from offices in the United States of America. We do not represent that materials on the site are appropriate or available for use in other locations. Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

OUTSIDE SITES (THEIR PRIVACY POLICIES MAY BE DIFFERENT)

The Site contains links to otherwebsites, like our sponsor’s websites or links to booksellers, that may offer products or services that our customers might find useful. These sites may request information from you. In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that site. We do not control the privacy policies, contents or links that appear on these sites. We encourage you to review the privacy policies of any third party sites or services before providing any of them with your personal information.

HOW AND WHY WE COLLECT INFORMATION

We collect your information in order to record and support your participation in the activities you select. If you register for a course, a membership site, or a free training series, for example, the information is used to enroll you in the program, to enroll you in our newsletters, to track your preferences, and to keep you informed about the product and related products. As a visitor to our Sites, you can engage in many activities without providing any personal information. If you opt in to receive any free training series, download a free product, register for a webinar, seminar, or live event, or purchase any product sold by us or promoted by us, you will automatically be subscribed to our free newsletter. If you do not wish to receive this free newsletter, you may opt out at any time. We include an unsubscribe link at the bottom of every e-mail we send. If you have any trouble opting out, please send an e-mail to us. We will manually remove you from our e-mail list(s). In connection with other activities, such as those described above, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, telephone, credit card, and other personal information. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us. We will also tell you how we use your information or if we share it with another party. Except as otherwise provided in this policy, we will never intentionally disclose any personal identification information about you as an individual user to any third party without having received your permission. If you supply us with your contact information you may receive periodic e-mails, mailings or calls from us with information on new products and services, important issues, or upcoming events. If you wish to be removed from any postal, e-mail, phone, or other lists, please let us know by e-mailing us. You can also write us or call us at the contact information above. Please provide us with your exact name, e-mail address, mailing address, and phone. We will be sure your name is removed from the appropriate lists immediately. When you use our Sites, we or our authorized technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services. We use this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our sites are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our sites. This information is collected in aggregate form, without identifying you or any user individually. We may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes. This data is often tracked by us our our technology services provider by using “cookies” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences. It cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)

EXCEPTIONS TO PRIVACY POLICY

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.

MISCELLANEOUS

These terms will be governed by and construed in accordance with the laws of the State of California, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of Wyoming. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

Our Details
If you would like to discuss our Privacy Policy in more detail, you can contact us: by emailing Kyle@KyleRea.net or, by visiting the Contact Us page.