Website Terms and Conditions of Use with Disclosures and Disclaimers

By visiting and using this website, you agree that you have read, understood, and agree to the following Terms and Conditions of Use by Harmony Virtual Solutions.

This website includes materials protected by intellectual property laws, including but not limited to written text, logos, photos, videos, music, art, designs, and graphics. You may view, download, print, email, and use materials from this website for personal, noncommercial purposes only. You may not republish, reproduce, duplicate, copy, display, distribute, or otherwise use any material from this website for commercial purposes. Any reproduction or unauthorized use of any materials found on this website shall constitute infringement.

If you submit, comment or post any materials (such as photos, videos, or written content) to this website, you represent and warrant that: (1) you are at least 13 years old; (2) you are the owner of or have permission to share such materials; (3) you grant Harmony Virtual Solutions a perpetual, royalty-free, worldwide non-exclusive license to use, copy, reproduce, publish, distribute, display and publicly perform those materials, in whole or part, in any manner or medium, now known or hereafter developed, for any purpose, including commercial purposes and advertising; (4) you grant Harmony Virtual Solutions a perpetual, royalty-free, worldwide non-exclusive license and release to use your name and likeness in connection with such materials for any purposes, including commercial purposes and advertising. Harmony Virtual Solutions does not claim any ownership rights in your materials.

Please choose carefully the materials that you upload to, submit to, or embed on this website. Any material you post on this website becomes public. You are responsible for your material and for any liability that may result from the material you post on this website. You participate, comment, and post material on this website at your own risk. Any communication by you on this website, whether by leaving a comment or participating in a chat room, message board, public forum, chatbot, contact submission form, or other interactive service, must be respectful. You may not communicate or submit any content or material that is abusive, vulgar, threatening, harassing, knowingly false, defamatory, or obscene, or otherwise in violation of any law or the rights of others. You agree to post comments or other material only one time.

Harmony Virtual Solutions, in its discretion, may delete or modify, in whole or part, any post, comment, or submission to this website. Harmony Virtual Solutions does not, however, have any obligation to monitor posts, comments, or material submitted by third parties. Harmony Virtual Solutions neither endorses nor makes any representations as to the truthfulness or validity of any third-party posts, comments, or material on this website. Harmony Virtual Solutions shall not be responsible or liable for any loss or damage caused by third-party posts, comments, or materials on this website.

You are strictly forbidden from the following:

• Causing damage to this website
• Using this website for any unlawful, illegal, fraudulent or harmful purpose or activity
• Using this website to copy, store, host, transmit, send, use, publish or distribute any spyware, virus, worm, Trojan horse, keystroke logger, or other malicious software
• Using this website to transmit, send or deliver unsolicited communications or for other marketing or advertising purposes
• Systematically or automatically collecting data from this website
• Sharing private and proprietary information from online courses with anyone else

Harmony Virtual Solutions may, without notice, refuse access to its website, in whole or part, to any person that fails to comply with these Terms.

DISCLAIMER: This website provides information only, and does not provide any financial, legal, medical, or psychological services or advice. None of the content on this website prevents, cures, or treats any mental or medical condition. You are responsible for your own physical, mental and emotional well-being, decisions, choices, actions, and results. Harmony Virtual Solutions disclaims any liability for your reliance on any opinions or advice contained in this website.

NO GUARANTEE OF RESULTS OR EARNINGS: You agree that Harmony Virtual Solutions has not made and does not make any representations about the earnings or results you may receive. Harmony Virtual Solutions cannot and does not guarantee that you will achieve any particular result or earnings from your use of the website, and you understand that results and earnings differ for each individual.

Any links to third-party products, services, or sites are subject to separate terms and conditions. Harmony Virtual Solutions is not responsible for or liable for any content on or actions taken by such a third-party company or website. Although Harmony Virtual Solutions may recommend third-party sites, products, or services, it is your responsibility to fully research such third parties before entering into any transaction or relationship with them.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THIS WEBSITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, HARMONY VIRTUAL SOLUTIONS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. HARMONY VIRTUAL SOLUTIONS DOES NOT WARRANT THAT THIS WEBSITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS WEBSITE, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

HARMONY VIRTUAL SOLUTIONS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEBSITE, INCLUDING ITS MATERIALS, PRODUCTS OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THIS WEBSITE.

These Terms shall be governed by and construed in accordance with the laws of the State of Indiana, without giving effect to its conflict of laws. The nearest state and federal court to Solsberry, IN shall have exclusive jurisdiction over any case or controversy arising from or relating to this website, including but not limited to the Privacy Policy or these Terms. By using this website, you hereby submit to the exclusive jurisdiction and venue of these courts and consent irrevocably to personal jurisdiction in such courts and waive any defense of forum non-conveniens.

Harmony Virtual Solutions controls and operates this website from offices in the United States. Harmony Virtual Solutions does not represent that materials on this website are appropriate or available for use in other locations. People who choose to access this website 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.

Harmony Virtual Solutions may change, modify, or update these Terms at any time without notice. Any access or use of this website by you after Harmony Virtual Solutions posts such changes shall constitute the consent of such modifications. If you have any questions or concerns about these Terms, contact hillary@harmonyvirtualpartners.com.

INDEMNITY

You agree to defend, indemnify and hold harmless Harmony Virtual Solutions and any directors, officers, agents, contractors, partners, assigns, successors-in-interest and its and their employees from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including but not limited to attorney’s fees) arising from or in connection with: (i) your use of this website in violation of these Terms of Use, (ii) any breach by you of these Terms of Use or any representation and warranty made by you herein, (iii) any comment, post, or material you submit to this website, (iv) your use of materials or features available on this website (except to the extent a claim is based upon infringement of a third-party right by materials created by Harmony Virtual Solutions) or (v) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.

DISCLOSURE POLICY

This website is written and edited by Harmony Virtual Solutions. Harmony Virtual Solutions does accept forms of cash advertising, sponsorships, paid insertions, complimentary products, or other forms of compensation from third parties.

Harmony Virtual Solutions believes in honesty. The advertising content, topics, or posts on this website may be influenced by the compensation received. Any content, advertising space, or posts will be clearly identified as paid or sponsored content.

Harmony Virtual Solutions does not have relationships that might present a conflict of interest or influence the content of this website.

Updated on October 15, 2020

Website Privacy Policy

Your privacy is important to Harmony Virtual Solutions. Please read this privacy notice carefully as it contains important information on who we are, how and why we collect, store, use, and share personal information, your rights in relation to your personal information, and on how to contact us and supervisory authorities in the event you have a complaint.

1. Who We Are

Harmony Virtual Solutions collects, uses, and is responsible for certain personal information about you.

2. Children’s Online Privacy Protection Act

This website and any products and services offered herein are not intended for persons under the age of 13. Harmony Virtual Solutions does not knowingly collect information from anyone under 13 years of age. Harmony Virtual Solutions prohibits children under the age of 13 from using all interactive portions of this website, including leaving any comments, filling out forms, or otherwise submitting information. Harmony Virtual Solutions will not knowingly collect personally identifiable information from children under 13. If Harmony Virtual Solutions learns it has any information or content from anyone under the age of 13, it will delete that information.

The Personal Information We Collect and Use

a. Information Collected by Us

Harmony Virtual Solutions may collect, use, and is responsible for certain personal information that you provide when you voluntarily sign up for emails or free gifts, register for a class or presentation, leave comments, order a service or product, fill out any type of form, access private membership pages, or otherwise contact Harmony Virtual Solutions via an online form or email. The information collected may include your name, email, address, phone number, and/or billing information. You are not required to provide any personally identifiable information to merely access or visit this website.

Harmony Virtual Solutions may collect domain information and “cookies” (small files saved on your hard drive by your web browser) to analyze the website and advertisement performance, track user patterns, save information from your previous visits and customize your experience.

If your browser sends a "Do Not Track" signal, only a generic cookie will be placed on your device while the website is accessed.

We will ask for your consent to allow us to use cookies. Harmony Virtual Solutions or its third-party vendors may collect non-personal information through the use of these technologies. Non Personal information might include the browser you use, the type of computer you use, and technical information about your means of connection to this website such as the operating systems and the Internet service providers utilized and other similar information. Harmony Virtual Solutions’ systems may also automatically gather information about the areas you visit and search terms you use on this website and about the links you may select from within this website to other areas of the Internet.

If you are located in the European Economic Area (EEA), we are regulated under the General Data Protection Regulation, which applies across the European Union (including in the United Kingdom) and we are responsible as controllers of that personal information for the purposes of those laws.

b. Information Collected from Other Sources

We also obtain personal information from other sources, such as WordPress, Wave, and FormAssembly.

c. How we use your personal information

Harmony Virtual Solutions collects such information in order to send emails, fulfill orders, deliver services and products, complete customer transactions, oversee contests and promotions, and improve website performance and customer service.

d. Who We Share Your Personal Information With

Harmony Virtual Solutions respects your privacy and will never sell, trade or transfer your personally identifiable information to third parties (beyond what is necessary for fulfilling a customer transaction or for the basic functionality of an online service) without your consent.

We do, however, share your name and delivery address details with our third-party suppliers, credit card processors or shipping companies.

This data sharing enables us to fulfill your requests. Those third-party recipients are based outside the European Economic Area — for further information including on how we safeguard your personal data when this occurs, see Transfer of your information out of the EEA.

Harmony Virtual Solutions may release personal information to enforce its Website Terms and Conditions of Use, other Terms and Conditions, manage its business, protect users or the general public, or to otherwise comply with legal obligations.

If you give Harmony Virtual Solutions your permission, it may also use personal identification information for internal or external marketing and promotional purposes.

On occasion, Harmony Virtual Solutions may collect personal identification information from you in connection with optional contests, special offers, or promotions. Harmony Virtual Solutions will share such information with necessary third parties for the purpose of carrying out the contest, special offer, or promotion. We will ask for your consent to such disclosure and use of such information prior to your participation in the contest, special offer, or promotion.

We will not share your personal information with any other third party.

e. Whether Information Has to Be Provided by You and Why

We do not require you to provide any personal data in order to access the public areas of our website. We will inform you when we collect it whether you are required to provide the information to us.

f. How Long Your Personal Information Will Be Kept

We will hold all non-client personal data until you let us know you would like for us to delete it or unsubscribe from our marketing contacts, which you are free to do at any time. We will hold all client and customer personal data in our files for six years.

g. Reasons We Can Collect and Use Your Personal Information

Harmony Virtual Solutions collects and uses your personal information to send emails, fulfill orders, deliver services and products, complete customer transactions, oversee contests and promotions and improve website performance and customer service.

4. Use and Transfer of Your Information Out of the EEA

This website is operated in the United States and third parties with whom we might share your personal information as explained above are also located in the United States. If you are located in the EEA or elsewhere outside of the United States, please be aware that any information you provide will be transferred to the United States. By using this website, participating in any of its services and/or providing your information, you consent to this transfer.

These countries do not have the same data protection laws as the United Kingdom and EEA. While the European Commission has not given a formal decision that the United States provides an adequate level of data protection similar to those which apply in the United Kingdom and EEA, any transfer of your personal information will be subject to the derogation in Article 49 permitting non-repetitive transfers that concern only a limited number of data subjects, as permitted by Article 49 of the General Data Protection Regulation that is designed to help safeguard your privacy rights and give you remedies in the unlikely event of a misuse of your personal information.

If you would like further information, (see “How to contact us” below. We will not otherwise transfer your personal data outside of the EEA or to any organization (or subordinate bodies) governed by public international law or which is set up under any agreement between two or more countries.

5. Your Rights

If you want to unsubscribe from receiving emails from Harmony Virtual Solutions, you may do so at any time. Each email from Harmony Virtual Solutions includes instructions for unsubscribing from these email communications.

If you are covered by the General Data Protection Regulation, you have a number of important rights free of charge. In summary, those include rights to:

• Fair processing of information and transparency over how we use your use personal information
• Access to your personal information and to certain other supplementary information that this Privacy Notice is already designed to address
• Require us to correct any mistakes in your information which we hold
• Require the erasure of personal information concerning you in certain situations
• Receive the personal information concerning you which you have provided to us, in a structured, commonly used and machine-readable format and have the right to transmit those data to a third party in certain situations
• Object at any time to processing of personal information concerning you for direct marketing
• Object to decisions being taken by automated means which produce legal effects concerning you or similarly significantly affect you
• Object in certain other situations to our continued processing of your personal information
• Otherwise restrict our processing of your personal information in certain circumstances

You may also have the right to claim compensation for damages caused by our breach of any data protection laws.

For further information on each of those rights, including the circumstances in which they apply, see the Guidance from the UK Information Commissioner’s Office (ICO) on individuals’ rights under the General Data Protection Regulation, available at https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/

If you would like to exercise any of those rights, please:
• Email, call or write to us.
• Provide us enough information to identify you (e.g., first and last name, email).
• Provide us proof of your identity and address (a copy of your driver’s license or passport and a recent utility or credit card bill).
• Provide us with the information to which your request relates.

6. Keeping Your Personal Information Secure

We have appropriate security measures in place to prevent personal information from being accidentally lost, used, or accessed in an unauthorized way. We limit access to your personal information to those who have a genuine business need to know it. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality.

We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable authorities of a suspected data security breach where we are legally required to do so.

Please note that any comments or information that you post on the website, including the Harmony Virtual Solutions and social media pages, become public and third parties may use your information. Harmony Virtual Solutions is not responsible for any unauthorized use by third parties in such a context. You disclose such information at your own risk.

7. Links to Other Sites

You may see advertising or other content on this website that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors or other third parties. Any products or services reached through a third-party link are subject to separate privacy policies. Harmony Virtual Solutions is not responsible for or liable for any content on or actions taken by such third-party websites.

8. How to Complain

We hope that we can resolve any question or concern you raise about our use of your information.

If you are covered by the General Data Protection Regulation, you may lodge a complaint with a supervisory authority, in particular in the European Union (or European Economic Area) state where you work, normally live, or where any alleged infringement of data protection laws occurred.

9. Changes to This Privacy Notice

This policy is effective as of October 15, 2020. We may change, modify or update this Privacy Policy at any time and will notify you of any such changes by email or postal mail.

10. How to Contact Us

If you have any questions or concerns about this Privacy Policy, the information we hold about you, or you wish to change your personal information in our records please contact Hillary Sciscoe, Owner/Founder, hillary@harmonyvirtualpartners.com, 9547E McVille Road, Solsberry, In 47459.

11. Do You Need Extra Help?

If you would like this notice in another format (for example audio, large print, braille) please contact us (see “How to contact us” above).

Policy Last Updated October 15, 2020.