Privacy

Terms of Use – Submit a Bankruptcy Story

Let’s keep it simple. By submitting a story to Rumanek Interactive Ltd. you agree to the following:

All stories appear at our (Rumanek Interactive Ltd.) discretion. Your address will not be shared. I’ll only use it if I need to contact you. By submitting information to Rumanek and Compnay Ltd, you grant Rumanek and Compnay Ltd a perpetual, royalty-free license to use, reproduce, modify, publish, distribute, and otherwise exercise all copyright and publicity rights with respect to that information at its sole discretion, including storing it on Rumanek Interactive Ltd. servers and incorporating it in other works in any media now known or later developed including without limitation published books. If you do not wish to grant Rumanek Interactive Ltd. these rights, it is suggested that you do not submit information to this website. You may have your entry removed or opt-out of these terms at any time by e-mailing us. Contact us via our form by clicking the link here Contact.
This work is licensed under a Creative Commons Attribution-Non Commercial-ShareAlike 3.0 License.

Privacy Policy

It is important to us to protect your privacy and respect the confidentiality of our existing, former and potential clients’ personal information, whether over the Internet, on the telephone or at our offices. This online privacy policy sets out our practices regarding the collection, use and disclosure of personal information from visitors to this Web Site. By using or accessing this Web Site you signify your acknowledgment and assent to this privacy policy. If you do not agree to this policy, please do not use this Web Site. We can revise this policy at any time by updating this posting, and your use after such change signifies your acceptance of the changed terms. Please check these terms of use periodically for changes.

This online privacy policy will answer your questions about the information we collect when you visit our Web Site, our practices regarding collection, use and disclosure of personal information generally.

You can visit this Web Site at any time without revealing your identity or any information about yourself. When you move from page to page within our Web Site, we learn which pages that you visit, what content you download, and the addresses of Web Sites that you have visited immediately prior to our Web Site. We use cookies to track your visits within our site. A cookie is a small file containing certain pieces of information that a Web Site creates when you visit the site. It can track how and when you use a site, which site you visited immediately before, and it can store that information about you. While we record certain statistical information, it is measured only in aggregate – no specific information about you, personally, will be kept or used unless you specifically provide such information to us. We use the information we collect to keep track of the frequency of visits to our Web Site and specific sections of our Web Site. This data assists us to provide the most relevant information on our Web Site and improve access to information. We use information about the site you visited immediately prior to our site to assess the viability of links to our site that we have created on third party sites. These cookies are not written onto your hard drive and once you leave the Web Site, the originator of the cookie no longer has the information that was contained on it.

We will share your personal information only with our affiliates, agents, representatives and trusted service providers and contractors for limited purposes including offering certain products and services, communicating to clients and potential clients, and improving the our Web Site’s content and access.

When you contact us by e-mail or when you ask us to respond to you by e-mail, we learn your e-mail address and any information you have included in the e-mail. In order to receive certain additional information about us, we may collect from you certain information such as your name, mailing address, e-mail address and phone number. We use your information to respond to your requests and questions. We also may add your information to our mailing list and, from time to time, we may send you information on products and services that we believe may be of interest to you.

We will keep your personal information only as long as necessary or relevant for the purposes identified above.

We do not provide any of the personal information we collect on this Web Site to any third parties for any reason other than to fulfill your request for information and to distribute information to you for the purposes identified above. We will not sell your e-mail address to anyone outside of us.

We have procedures to safeguard, secure and keep confidential the personal information we collect in order to prevent unauthorized access, ensure appropriate use, and maintain accuracy of information of information. We use our best effort and reasonable industry standard technology to ensure the security and confidentiality of the personal information that you submit to us.

E-mail sent over the Internet is generally unencrypted. We recommend that you use caution when forwarding email messages to us and that you do not include confidential information in those messages.

Since the security of data transmission over the Internet cannot be guaranteed, we do not represent, warrant or guarantee that personal information will be protected against loss, misuse or alteration and we do not accept any liability for personal information submitted to us, nor for our or third parties’ use or misuse of personal information.

By providing us with your personal information, you are consenting to its collection, use and disclosure as provided for in this privacy policy. If you wish to ensure the personal information that you have provided to us is complete and accurate or if you wish to discuss or withdraw your consent to our collection and use of your personal information, please do not hesitate to contact us.

If you have any questions about us, our products and services or our privacy policy, please contact Rumanek Interactive Ltd. at 416-214-9288.

Disclaimer

Copyright © 1994 to 2013 by Rumanek Interactive Ltd. (‘Rumanek’). ALL RIGHTS RESERVED. This web site is published in Canada, and is protected by domestic and international Copyright laws.

Through accessing this Web Site and pages thereof you agree to be bound by the terms and conditions set forth below. Should you, after reading this “Legal Notice”, disagree with the applicable terms, please do not access the site in the future. Your use of the site and its pages constitutes implied agreement to these terms.

Terms of Use – Website
The content of the pages of this Web Site is the property of Rumanek and it is intended only for the utilization of the user. Rumanek grants to you a limited license to display the content on your PC and print the content on your printer solely for your own personal non-commercial use. No part of these documents, including the text, graphics, sound, coding, or layout, may be reproduced, stored in a retrieval system, transmitted or distributed in any form or by any means, electronic, mechanical, photocopying, printing, recording, or otherwise, nor used in any other documents or publications, without the prior written permission of the author – the only exception being the transient copy held in temporary cache during normal viewing of the document while on line, which may not be used for any other purpose. Requests for permission will be considered, and should be addressed in writing to: Rumanek Interactive Ltd. 1280 Finch Ave. West, Suite 714, North York, Ontario,CA. (416) 665-8328. Permission to establish a link to a document on this site is not required. If you notify the author of such a link, if appropriate, a reciprocal link may be established.

Disclaimer and Legal Notice
All products and services provided by Rumanek are subject to the respective agreements and applicable terms governing their use. This site is for reference purposes only and is not intended to provide any form of advice. Please contact the appropriate Rumanek professional directly before acting on any of the information on this Web Site.

This Web Site contains products and information which are provided to you for your informational purposes only The Information is not intended to be and should not be relied or acted upon without consulting with and obtaining specific advice from a professional advisor.

E-mail communications over the Internet, no matter how protected or encrypted, may not be secure and may not be confidential. Rumanek is not responsible for any e-mail communication sent by you to Rumanek or sent by Rumanek to you from being intercepted, read or distributed to unknown persons and Rumanek will not be liable for errors, omissions or alterations made or caused by email communications. Any confidential information sent by you to Rumanek is at your own risk.

This Web Site may contain electronic hyperlinks to other sites on the Internet that are owned or operated by third parties.  Rumanek offers these hyperlinks as a convenience to you and other users, but makes no representations, does not guarantee, has no control over and is not responsible for the accuracy, quality, or suitability of the information provided on third party sites located through such hyperlinks.  A link to a non-Rumanek site does not imply that Rumanek endorses the site or the products or services referenced on such third party’s site.  In addition, Rumanek is not responsible for the security practices or privacy policies of such other sites and sponsoring companies.  When you leave our site by means of a hyperlink, you are subjecting yourself to whatever policies and practices might be employed by the operators of the other Web site, and Rumanek has no control over such activities.  When linking to a third party’s site, you do so at your own risk and it is strongly recommended that you review the terms and conditions of use of the other Web site and determine if you agree with its user policy before using such site.

Any legal disputes regarding the site shall be settled through the governance of applicable Canadian laws.

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