Privacy Policy & Terms and Conditions
Last Updated on September 5th, 2019
The following Privacy Policy & Terms and Conditions govern the online information collection practices of Overseas Life Redesign (“we”, “us” or "our"). Specifically, it outlines the types of information that we gather about you while you are using this website (the “Site”), and the ways in which we use this information. This Privacy Policy, including our children’s privacy statement, does not apply to any information you may provide to us or that we may collect offline and/or through other means (for example, at a live event, via telephone, or by mail).

Please read this Privacy Policy & Terms and Conditions carefully.  We may change our Policy in the future, if we do the changes to this Policy will be posted on this website and the Effective Date of the policy will be updated reflect the date of the changes.

WHAT PERSONAL DATA WE COLLECT AND WHY 
We may collect and store personal or other information that you willingly supply to us online while using the Site (e.g., while on the Site or in responding via email to a feature provided on the Site). We only contact individuals who specifically request that we do so, or if they have signed up to receive our free newsletters or have purchased one of our products. We collect personally identifying information from our users during online registration and online purchasing. This information may include name and e-mail address for registration to receive our free offers and name, mailing address, and credit card information if purchasing our products. All information is transferred by you to us.

We also collect and store information that is generated automatically, as you utilize the Site. For example, we may collect information about how your computer connects to the Internet, which allows us, among other things, to improve the delivery of our web pages to you and measures traffic on our Site.

The privacy of our members, advertisers and visitors is important to us and we protect your privacy and anonymity by adhering to the following policies:

We will not release, distribute or sell your personal information to any individual or entity without your explicit permission or request. Any marketing partners have separate privacy and data collection practices that may be different or less protective than ours. We disclaim any responsibility or liability for any marketing partner’s independent information handling policies and we recommend you are careful and responsible when providing personal information to any third party while online.
While we are committed to protecting your privacy, we can't guarantee the privacy of information sent over the Internet and you do so at your own risk.
Be aware that we may occasionally release information about our visitors when release is required to comply with law or to protect the rights, property or safety of users of the Site or the public.
Please also note that as our business grows, we may buy or sell various assets. In the unlikely event that we sell some or all of our assets, or one or more of our websites is acquired by another, information about our users may be among the transferred assets.

CONTACT FORMS
All forms from this website are connected to Mailchimp as our primary database and CRM. Data is handled and processed and stored securely by Mailchimp. Read more from their data protection and privacy policy here.

COOKIES
We also may use a standard feature found in browser software called “cookies” to enhance your experience with the Site. Cookies are small files that your web browser places on your hard drive for record-keeping purposes. By showing how and when visitors use the Site, cookies help us deliver advertisements, identify how many unique users visit us, and track user trends and patterns. They also prevent you from having to re-enter your preferences on certain areas of the Site where you may have entered preference information before. The Site also may use web beacons (single-pixel graphic files also known as “transparent GIF”) to access cookies and to count users who visit the Site or open HTML-formatted email messages. We use the information we collect from you while you are using the Site in a variety of ways, including using the information to customize features and advertising that appear on the Site.

EMBEDDED CONTENT FROM OTHER WEBSITES
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.

ANALYTICS
Our website utilizes several tracking and analytics scripts (including but not limited to Google Analytics and Facebook Tracking pixel), information is captured and then used to tailor a more targeted online experience.

HOW LONG WE RETAIN YOUR DATA
If you leave a comment on our website, the comment and its metadata may be retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

WHERE WE SEND YOUR DATA
Visitor comments may be checked through an automated spam detection service, and opt-in information is passed securely to Mailchimp where it is stored securely in our CRM database, you can opt out at any time.

REQUESTING / REMOVING YOUR INFORMATION
You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes. Please send your request to 
support@overseasliferedesign.com

ANTI-SPAMMING POLICY
We believe in the concept of “permission marketing,” meaning we will not send electronic notification to anyone unless they have explicitly requested it. 
We do not intentionally or knowingly distribute, condone or encourage spamming practices. We only work with vendors who have validated opt-in lists. Furthermore we request that all our clients respect and adhere to this Anti-spamming Policy and strictly conform to all State and Federal “Spam Legislation”.
We provide recipients with the opportunity to unsubscribe or opt-out with a single click.
We require that all of our marketing partners contractually agree to use their best effort to ensure that any Overseas Life Redesign related correspondence result in a positive experience for all recipients. To report any incident of spamming, go to http://www.spamwarden.com/ReportSpam.php3.

CHILDREN’S PRIVACY STATEMENT
This children’s privacy statement explains our practices with respect to the online collection and use of personal information from children under the age of thirteen, and provides important information regarding their rights under federal law with respect to such information.

This Site is not directed to children under the age of thirteen and we do NOT knowingly collect personally identifiable information from children under the age of thirteen as part of the Site. We screen users who wish to provide personal information in order to prevent users under the age of thirteen from providing such information. If we become aware that we have inadvertently received personally identifiable information from a user under the age of thirteen as part of the Site, we will delete such information from our records. If we change our practices in the future, we will obtain prior, verifiable parental consent before collecting any personally identifiable information from children under the age of thirteen as part of the Site. Since we do not collect any personally identifiable information from children under the age of thirteen, we do NOT knowingly distribute such information to third parties. We do NOT knowingly allow children under the age of thirteen to publicly post or otherwise distribute personally identifiable contact information through the Site. Since we do not collect any personally identifiable information from children under the age of thirteen as part of the Site, we do NOT condition the participation of a child under thirteen in the Site’s online activities on providing personally identifiable information.

SATISFACTION GUARANTEE
We want you to be happy!

Products: If you do not feel that an Overseas Life Redesign product meets your expectations of quality and value, simply return it to our office by following the instructions below.

Programs: Within 30 days of the date of enrollment into any Overseas Life Redesign Program, if you do not feel it is right for you, we will promptly refund your investment, less a 10% processing fee, and deactivate your access to the Program Resource area.

Refund Request Process:
We are committed to your satisfaction and have established the following guidelines to ensure that your request for a refund is handled properly.

Your request for a refund must be received via email.
We do ask that you specify your reason for the request and any information that may help us understand your decision and improve our offering.

The credit for your return will be applied to the credit card used to make the purchase. It may take up to two credit card billing cycles for the credit to appear on your statement.

COMPLAINTS AND CONCERNS
Overseas Life Redesign takes any complaints seriously regarding its members or advertisers and has a process for handling such issues. The following steps will be taken with every complaint filed with the Overseas Life Redesign.

Complaint received
Complaint substantiated
Communication sent from us (with 30 days to comply and notice of the possibility of loss of membership.)
Terminate by a specific date
To issue a complaint regarding an Overseas Life Redesign member or advertiser, email support@OverseasLifeRedesign.com.

Our Limited License to You. This Site and all the materials available on the Site are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal noncommercial use. You may not use our Site or any materials on the Site in a way that infringes on our rights or was not authorized by us. Specifically, unless explicitly stated in these Terms or by the owner of the work, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print copies of individual pages of the Site for your personal, non-commercial use, provided that you preserve copyright and other proprietary notices.

Your License to Us. By posting or submitting any material (including, without limitation, comments, blog entries, photos and videos) to us via the Site, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are eighteen years of age or older. In addition, when you submit or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a “work made for hire” when the work performed is within the scope of the definition of a work made for hire in Section 101 of the United States Copyright Law, as amended. As such, the copyrights in those works shall belong to Overseas Life Redesign from their creation. Thus, we shall be deemed the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as determine. In the event that any of the results and proceeds of your submissions hereunder are not deemed a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby, without additional compensation, irrevocably assign, convey and transfer to Overseas Life Redesign all proprietary rights, including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in every medium, whether now known or hereafter devised, to such material and any and all right, title and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior works by you shall be co-owned by us.

You acknowledge that we have the right but not the obligation to use and display any postings or contributions of any kind and that we may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.

Limitations on Linking and Framing. You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by us or by the Site. However, you may not, without our prior written permission, frame or inline link any of the content of the Site, or incorporate into another website or other service any of our material, content or intellectual property.

DISCLAIMERS
Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites.

In addition, neither we nor affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Site or on websites linked to us on the Site. If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors, and not us. Neither Overseas Life Redesign, nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, Overseas Life Redesign neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized Overseas Life Redesign representative while acting in his/her official capacity.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY Overseas Life Redesign AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

You agree at all times to defend, indemnify and hold harmless Overseas Life Redesign, its affiliates, their successors, transferees, assignees and licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant set forth herein.

MISCELLANEOUS POLICIES
Overseas Life Redesign provides users with access to many online resources, including educational tools, products, services, programs and promotional specials through its website and network of advertisers and members. The Service is provided “AS IS” and Overseas Life Redesign assumes no responsibility for the timeliness, deletion, miss-delivery or failure to store any user communications or personalized settings.

You will receive an account identification and password upon completing the member registration and payment process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to immediately notify Overseas Life Redesign of any unauthorized use of your password or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this Clause. You agree not to engage in any conduct that, as determined in our sole and absolute discretion, inhibits any other member from using or enjoying our Site. You agree not to disrupt, interfere or otherwise impede the performance of the Site. You agree not to upload, post, email, transmit or otherwise make available any material that contains software viruses or any other code, files, or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. You agree to comply with all applicable local, state, national or international laws.  You agree not to collect or store personal data about other members. It is a condition of your use of the Site that you do not:

1. Restrict or inhibit any other member from using and/or enjoying the Site.
2. Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
3. Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks we use to provide the Site.
4. Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
5. Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means.
6. Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
7. Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
8. Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.
9. Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.
10. Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising.
11. Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without our express written approval.
12. Gather for marketing purposes any email addresses or other personal information that has been posted by other users of the Site.

Overseas Life Redesign may host message boards, chats and other public forums on its Sites and/or social media groups. Any user failing to comply with the terms and conditions of this Agreement may be expelled from and refused continued access to, the message boards, chats or other public forums in the future. Overseas Life Redesign and/or its designated agents may remove or alter any user-created content at any time for any reason. Message boards, chats and other public forums are intended to serve as discussion centers for members and subscribers. Information and content posted within these public forums may be provided by Overseas Life Redesign staff, outside contributors, or by others not connected with Overseas Life Redesign some of whom may employ anonymous user names. Overseas Life Redesign expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of Overseas Life Redesign or any of its subsidiaries or affiliates.

Overseas Life Redesign has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, our clients, sponsors, users and visitors.

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

You acknowledge that we reserve the right, in our sole and absolute discretion and for any reason, to delete or remove any Information (including without limitation Information which we determine, in our sole and absolute discretion, to be offensive, racist, lewd, profane, obscene, rude, abusive, defamatory or otherwise objectionable). We reserve the exclusive right to establish and modify the criteria for what constitutes offensive content.

You acknowledge that we shall have the right, in our sole and absolute discretion, for any or no reason, to restrict or terminate, either temporarily or permanently, your access to the Service, due to any violations of these terms and conditions.

You hereby agree to protect, defend, indemnify and hold harmless Overseas Life Redesign (and its owners and affiliates) and each applicable Partner, their officers, directors, employees, agents and licensees from and against any and all liability including expenses relating thereto, such as reasonable attorneys’ fees, relating to or arising from your violation of these terms or from your misuse or abuse of the Service.

You acknowledges that the obligations of Overseas Life Redesign are solely corporate obligations. No Affiliate, Subscriber, Partner, stockholder, director, officer, employee, consultant or member of Overseas Life Redesign shall be subject to any personal liability whatsoever to a User, nor will any such claim be asserted (directly, derivative or otherwise) by or on behalf of you or any successors and assigns of yours.

You acknowledge that the sole and exclusive remedy for any damages caused or allegedly caused by any failure of performance, error, omission, interruption, defect, delay in operation or transmission, or other cause associated with the Site, shall be to terminate your membership, if applicable, and remove any information provided by you to us, and discontinue further use of the Site. In no event shall Overseas Life Redesign's total liability to you for all damages, losses and causes of action (whether in contract, tort, including without limitation negligence, or otherwise) exceed the amount paid, if any, by you to us.

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES.  YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND WE MAKE NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE. YOU ACKNOWLEDGE AND AGREE THAT NO REPRESENTATION HAS BEEN MADE BY US OR OUR AFFILIATES AND RELIED UPON AS TO THE FUTURE INCOME, EXPENSES, TAX DEDUCTIONS, SALES VOLUME OR POTENTIAL PROFITABILITY THAT MAY BE DERIVED FROM THE PARTICIPATION IN OUR PROGRAMS.

We respect the intellectual property rights of others and requires those that visit our Site to do the same. We may, in appropriate circumstances and in our discretion, remove or disable access to material on our Site that infringes upon the copyright privileges of others. We may also, at our discretion, remove or disable links or references to an online location that contains infringing material or infringing activity.

This Agreement is executed and performed in the State Quintana Roo, Mexico and its validity, interpretation and performance shall be controlled by and construed under its laws.  Any controversy, dispute or claim between Overseas Life Redesign and any other party arising out of/or involving any Overseas Life Redesign business relationship shall be resolved as follows. Venue for any disputes or claims shall be Quintana Roo, Mexico. Claims brought anywhere else are void. You specifically consent to such jurisdiction and to extraterritorial service of process. Should it be necessary to employ the services of an attorney to enforce any conditions of this agreement, you shall be liable for reasonable attorney's fees and costs incurred by Overseas Life Redesign, its affiliates, their successors, transferees, assignees and licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees. 

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by us infringe on a copyright, you, or your agent may send us a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Overseas Life Redesign’s Copyright Agent for notice of claims of copyright infringement or counter notices can be reached at: support@OverseasLifeRedesign.com




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