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Privacy Policy / Terms of Use

TERMS OF USE
BY ENTERING OR USING THE MYCENTRALIOWA.COM WEBSITE (THE ''WEBSITE''), YOU (THE ''USER'') ARE CONSENTING TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO BE SUBJECT TO ALL OF THESE TERMS OF USE, YOU ARE ADVISED NOT TO ENTER OR USE THE WEBSITE OR LOREN KARR MEDIA SERVICES AVAILABLE ON THIS WEBSITE (COLLECTIVELY, THE ''SERVICES'').

1. User Information
You certify to Loren Karr Media (''LKMedia", "Loren Karr Media'' or ''We'') that you are not a minor, i.e. that you are at least eighteen (18) years of age; provided, however, that a minor's parent or legal guardian may authorize a minor to use lorenkarrmedia.com under supervision of the parent or guardian.

2. Availability
Loren Karr Media does not warrant that the Service will be available 24-hours per day, 7-days per week. Loren Karr Media will have no liability to you for the unavailability of the Service.

3. Proprietary Rights to Information and Data
The information and data provided by or through the Service is protected by international copyright laws of Loren Karr Media. The User acknowledges that such information and data may contain other proprietary information and material, and the User will respect all such proprietary rights and take such precautions as may be reasonably necessary to protect private, confidential and other proprietary information and material from unauthorized use.

4. Trademarks
Loren Karr Media's logos and product and service names are trademarks or service marks of Loren Karr Media (collectively, ''Marks'') or any of its affiliates. The User agrees not to display or use, in any manner, any of Loren Karr Media's Marks or copyrighted material without Loren Karr Media's prior written consent. Third party trademarks, service marks, logos and trade names appearing on any of the websites which are part of the Service are the property of their respective owners.

5. Prohibited Uses
You expressly agree not to use the Service in a manner that is prohibited by any law or regulation, or to facilitate the violation of any law or regulation.

6. Monitoring of the Service
Loren Karr Media may, in its discretion, monitor the Service and the use thereof by the User to determine compliance with these Terms of Use and to avoid, to the extent practicable, fraudulent, unlawful or abusive use of the Service, subject at all times to the disclaimers described in Section 8 below. Loren Karr Media may also intercept and disclose any content, record, use, data or information, to the extent necessary to protect Loren Karr Media's rights and fulfill its obligations (to the extent applicable), including without limitation, for mechanical or service quality control or to comply with any law, regulation, or governmental request, all as determined by Loren Karr Media and as permitted by applicable law.

7. Links
Loren Karr Media is not responsible for the content on the Internet or World Wide Web pages that are contained outside the Service. As a convenience to our members, Loren Karr Media provides links to many resources. Loren Karr Media makes no representations as to the quality, suitability, functionality or legality of any sites to which Loren Karr Media may provide links, and the User hereby waives any claim the User may have against Loren Karr Media with respect to such sites.

8. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR OWN RISK. NO WARRANTY, REPRESENTATION, CONDITION, UNDERTAKING OR TERM - EXPRESSED OR IMPLIED, STATUTORY OR OTHERWISE - INCLUDING BUT NOT LIMITED TO THE CONDITION, QUALITY, DURABILITY, PERFORMANCE, ACCURACY, RELIABILITY, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OR USE OF THE SERVICE IS GIVEN OR ASSUMED BY LOREN KARR MEDIA. ALL SUCH WARRANTIES, REPRESENTATIONS, CONDITIONS, UNDERTAKINGS AND TERMS ARE HEREBY EXCLUDED. LOREN KARR MEDIA MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE.

9. LIMITATION OF LIABILITY
IN NO EVENT WILL LOREN KARR MEDIA BE LIABLE TO ANY USER OF THE SERVICES OR OTHER PARTY AFFECTED BY THE SERVICE FOR ANY DAMAGES INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, LOSS OF PROFITS AND SAVINGS AND THE LIKE), OR ANY OTHER DAMAGES ARISING OUT OF THE UNAVAILABILITY, USE, RELIANCE ON, INABILITY TO UTILIZE OR IMPROPER USE OF THE SERVICE, EVEN IF LOREN KARR MEDIA WILL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE. AS SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, THE ABOVE EXCLUSIONS OF INCIDENTAL AND CONSEQUENTIAL DAMAGES MAY NOT APPLY TO YOU.

10. Term & Termination
These Terms of Use are effective upon the User's entering or using the Website or Service and remain in effect unless changed by Loren Karr Media. Loren Karr Media may, at any time, terminate this Agreement and/or terminate the User's access to any part or all of the Service without any advance notice. Termination of these Terms and Conditions by Loren Karr Media will be effective on the day that Loren Karr Media gives notice of such termination to the User. Loren Karr Media will be entitled to change or discontinue any or all of the Service and/or any pricing (if any) relating to the Service at any time, or to modify these Terms and Conditions at any time.

11. Indemnity
At Loren Karr Media's request, the User agrees to defend, indemnify and to hold harmless Loren Karr Media, its licensors, officers, directors and employees from any losses, claims and liabilities (including attorney's fees) which may arise from your use of the Service and/or material obtained from or through any Service provided on the Website, or from your breach of these rules.

12. Notices
Notices to the User may be made via either email or regular mail. Loren Karr Media may also provide notices of changes to the Terms and Conditions or other matters by displaying notices or links to notices generally through the Website.

13. General
This Agreement shall be governed by and construed in accordance with the laws of the State of Iowa, USA, without regard to the principles of conflict of laws. This Agreement constitutes the entire agreement between the parties hereto with respect to the subject matter hereof. This Agreement shall not be released, discharged, changed or modified in any manner, except by instruments signed by duly authorized officers or representatives of each of the parties thereto.

14. Other Loren Karr Media Legal documents
In addition to these Terms of Use, it is important that you read Loren Karr Media's Privacy Policy.



OUR PRIVACY POLICY
Loren Karr Media respects the privacy of our customers. The purpose of this privacy statement is to provide you with information concerning our services, the types of information we are provided or obtain ourselves through visits to or use of our Website, how we use that information. Our goal in handling information provided to us in connection with the processing of transactions on our Website is to comply with applicable data privacy laws and to offer users of our Website notice, choice, consent, security, data integrity, access and enforcement with regard to personal information provided to us by individuals in conjunction with those transactions. 


How we use the information we collect.

Depending on the nature of the services provided by Loren Karr Media we may receive personal information directly from you. The personal information may include but is not limited to your name, mailing address, phone number, and other information required to provide you with the product requested. 

Loren Karr Media also employs other companies to provide services to it in connection with your transaction. We may use companies to process credit card payments, deliver packages, send mail, analyze data, provide marketing aid and assistance, provide customer service, and otherwise provide services to us to enable us to serve you and enhance our services. These organizations may have access to personal information as required to permit them to perform their obligations to us. We require these organizations to undertake to protect personal information and to only use it in accordance with applicable laws and for the purposes for which they are specifically engaged. 

Some of the ways in which we will use the personal information provided us include: 

to take, process or deliver your order, process or obtain payment or notify you of the status of your order; 
to provide it to industry and credit related organizations for security, credit or fraud prevention purposes; 
to provide you with announcements and other product offerings; 
to send you, with your consent, newsletters or promotional emails or undertake other promotional activities. 

We may also provide links from our Website to third party websites who may provide services to you directly or on our behalf. THE PRIVACY POLICIES OF THESE THIRD PARTY SITES MAY BE DIFFERENT FROM OUR PRIVACY POLICIES AND WILL GOVERN ANY TRANSACTIONS UNDERTAKEN ON THAT SITE. We urge you to review the privacy policy of any site to which you are linked. 

By submitting your order to us you consent to the use of your personal information as set forth above. 


Will Loren Karr Media Give Me Notice of Requests for My Information Made By Law Enforcement or Governmental Agencies?

No. Loren Karr Media may be required to respond to subpoenas, court orders or be asked to respond to other legitimate requests for your personal information from appropriate law enforcement or governmental authorities. In such situations, we will release personally identifiable information to third parties and organizations when we believe it is appropriate for us to do so in order to comply with the law or to protect against fraud. We will also release such information: 
to cooperate with law enforcement or other governmental investigations (without necessarily requiring the law enforcement or government agency requesting the information to formally serve us with a subpoena), 
to comply with all valid court orders or subpoenas, 
to protect our legal rights and those of our users; and/or 
when we believe it is needed for fraud protection and/or credit risk reduction. 
Loren Karr Media also reserves the right to report to such entities any activities that we believe to be unlawful. Any report made to under this paragraph will be made without prior notice to you. 

In the event Loren Karr Media merges with another entity, is acquired by another entity, or enters into a business combination with another entity, Loren Karr Media may be required to disclose and some or all of your personally identifiable information to that entity to continue serving you. 


How do we protect customer information?

Customers who buy through the Loren Karr Media website are shopping on a secure server which encrypts all of a customer's personal information. This makes it difficult, if not impossible, for a third party to access or use your personal information in an unauthorized manner. 

Loren Karr Media has developed its service with security as a top priority. We use firewalls to prevent access to information in our system and Secure Socket Layers ("SSL") to encrypt your personal information and protect it from disclosure, destruction, modification or use. 


What About Cookies?

"Cookies" are a data analysis technique that uses information stored on your browser. Loren Karr Media cookies are used to identify a customer, not to identify specific customer traits. If you do not want cookies in your browser, you may set your browser to reject cookies or to notify you when a website attempts to place a cookie in your browser. 


Non-Personally Identifiable Information

We may also collect other information which does not in and of itself identify a specific individual. This information includes IP addresses, search terms, domain names and browser types. We use this information to track usage and other patterns on our web site. 


Information Sharing

Loren Karr Media does not sell, trade or rent personal information to anyone. We will not use or share your personally identifiable information with others except those individuals or entities which we have engaged to provide services to you, for those purposes set forth above or with your consent. 


Changes to this privacy policy

Loren Karr Media may amend this policy from time-to-time. We suggest you visit this web site periodically to determine whether or not any such changes have been made. 


Contact Information

If you have questions or comments or would like to contact us concerning our privacy statement, please contact us online at the following address: 

info@lorenkarrmedia.com

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Privacy Policy and Terms of Use