Callahan Techniques, Ltd. Online Privacy Policy

(Last updated January 7, 2009)

Callahan Techniques, Ltd. has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.

1. Consent for Collection, Use and Disclosure
2. Accountability
3. Purposes for Collecting Personal Information
4. Limiting the Collection of Personal Information
5. Disclosure, Processing and Retention
6. Accuracy of Personal Information
7. Security Safeguards
8. Access to Personal Information
9. Earnings Disclaimer
10. Refund Policy

1. Consent for Collection, Use and Disclosure

Your use of this site and/or your registration for Callahan Techniques, Ltd. products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use this site.

Callahan Techniques, Ltd. may occasionally update this Privacy Policy. When it does, Callahan Techniques, Ltd. will also revise the last update date at the top of this Privacy Policy. From time to time, we may also use collected information for new, unanticipated uses not previously disclosed in our Privacy Policy. If our information practices change at some time in the future, we will post the policy changes at our website to notify you of these changes and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back at our website periodically. Additionally, under certain circumstances, Callahan Techniques, Ltd. will not post policy changes or notify customers of changes, such as in connection with an investigation of a breach of an agreement, contravention of laws, an emergency where the life, health or security of an individual is threatened, the collection of a debt or in compliance with the request of a law enforcement agency or a court order.

A customer may withdraw his or her consent for collection, use and disclosure at any time by sending an email to chris@tftrx.com with the word Unsubscribe in the subject line. Please note that, if you do, Callahan Techniques, Ltd. may suspend its provision of products and services to you. When you unsubscribe, if you fall within the guarantee period for any Callahan Techniques, Ltd. product and you request a refund, the guarantee will be honored.

2. Accountability

Callahan Techniques, Ltd. collects, at the time of your registration and your sign-on to its web site, certain personal information (information that personally identifies you) including but not limited to your name, email address, home or work address, telephone number, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses).

Callahan Techniques, Ltd. has implemented this Privacy Policy to protect personal information received from its customers, and to respond to any inquiries. The Privacy Policy also provides that Callahan Techniques, Ltd. will use appropriate contractual means to establish a comparable level of protection for personal information which is sent for processing by third parties on Callahan Techniques, Ltd's behalf.

Callahan Techniques, Ltd. has designated responsibility for your personal information to its Compliance Manager, who ensures compliance with the principles in this Privacy Policy. Other individuals may be delegated to act on behalf of the Compliance Manager.

3. Purposes for Collecting Personal Information

Callahan Techniques, Ltd. collects and uses personal information for the following Identified Purposes:

(a) to understand customer needs regarding Callahan Techniques, Ltd's services;

(b) to develop and provide our web site and our products and services for our customers;

(c) to fulfill your requests for products, services or information;

(d) to communicate with customers and site visitors, when necessary, and to inform customers of upgrades, as well as of other products and services available from Callahan Techniques, Ltd., its affiliates and third parties;

(e) to allow customers to access limited-entry areas of Callahan Techniques, Ltd's site;

(f) to personalize some of our services and products for you and to deliver targeted advertisements and offers from Callahan Techniques, Ltd. and third parties;

(g) to bill accounts and maintain payment records;

(h) to comply with any applicable law, regulation, legal process or government request;

(i) to respond to a legitimate claim, or to address our reasonable belief, that you are violating the rights of any third party or any of the agreements or policies that govern your use of the Callahan Techniques, Ltd. site or any Callahan Techniques, Ltd. product or service;

(j) to protect the services, products, content or rights of Callahan Techniques, Ltd. and its designees, including but not limited to the security or integrity of the Callahan Techniques, Ltd. site; and

(k) to identify and resolve technical problems concerning Callahan Techniques, Ltd's site, products and services.

Callahan Techniques, Ltd. also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes.

If we contract with other companies to provide some products or services to our customers, then we will only provide those companies the personal information they need for the Identified Purposes, and we will limit their rights to use and further disclose your personal information as appropriate in the course of their work for us.

4. Limiting the Collection of Personal Information

Callahan Techniques, Ltd. limits its collection of personal information to only that information which is necessary for the Identified Purposes. Callahan Techniques, Ltd. does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen.

When you visit the Callahan Techniques, Ltd. web site, a cookie may be placed on your computer or the cookie may be read if you have visited the Callahan Techniques, Ltd. site previously. Callahan Techniques, Ltd. uses cookies to allow Callahan Techniques, Ltd. to determine which products and services you have already purchased so that Callahan Techniques, Ltd. does not provide redundant information to you, and, if you are an Callahan Techniques, Ltd. affiliate, to track Callahan Techniques, Ltd. sales made to customers referred by you so that you can receive compensation under our affiliate program. If you choose to not have your browser accept cookies from the Callahan Techniques, Ltd. web site, you may not be able to view all the text on the screens, or to experience a personalized visit, or to subscribe to certain service and product offerings on the Callahan Techniques, Ltd. site.

5. Disclosure, Processing and Retention

Callahan Techniques, Ltd. does not sell, rent or disclose your personal information to anyone else, except:

(a) to someone you have designated to act as your agent, for one or more of the Identified Purposes (listed in Section 2, above);

(b) to Callahan Techniques, Ltd's employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting at the request of Callahan Techniques, Ltd. for any of the Identified Purposes;

(c) as necessary if Callahan Techniques, Ltd. has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with Callahan Techniques, Ltd's rights or property, other users of Callahan Techniques, Ltd's web site, products or services, or anyone else that could be harmed by such activities; and

(d) to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.

In addition, as we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets. Also, in the event that Callahan Techniques, Ltd. or substantially all of its assets are acquired, your personal information may be one of the transferred assets.

Your information may be stored and processed in the United States, or in any other country in which Callahan Techniques, Ltd. or its affiliates, subsidiaries or agents maintain facilities. By using this web site, you consent to any such transfer of information outside of your country.

After your account becomes inactive (that is, if you request to be removed from our database), Callahan Techniques, Ltd. will keep your personal information in its archives. Your information will then be used only as necessary for tax reasons or to prove Callahan Techniques, Ltd.s compliance with any applicable law.

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6. Accuracy of Personal Information

Callahan Techniques, Ltd. will use reasonable efforts to keep customer personal information accurate for the Identified Purposes, and for minimizing the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informing Callahan Techniques, Ltd. about changes to their personal information. You can do this by calling (760) 564-1008 or by sending an email to chris@tftrx.com.  Callahan Techniques, Ltd. will use new or updated personal information it receives from customers to update its own records.

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7. Security Safeguards

Callahan Techniques, Ltd. will use reasonable efforts to protect customers personal information.

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8. Access to Personal Information

Callahan Techniques, Ltd. will afford you a reasonable opportunity to review the personal information in your file, if you so request by calling (760) 564-1008, writing to: Callahan Techniques, Ltd., PO Box 1220, La Quinta, CA 92247 or upon request to the Compliance Manager at chris@tftrx.com .

If Callahan Techniques, Ltd. is not able to provide access to some aspect of a customers personal information, it will provide reasons for denying access such as; that by doing so would likely reveal personal information about a third party, or that it is confidential commercial information or attorney-client privileged communications, or that the information relates to a breach of an agreement or a contravention of law, or that its disclosure could reasonably be expected to threaten the life or security of another individual.

Customers have the right to request that inaccurate or incomplete information be amended as appropriate, by contacting Callahan Techniques, Ltd. or the Privacy Officer as described above. Callahan Techniques, Ltd. will promptly correct such personal information.

This is the web site of Callahan Techniques, Ltd.. Our postal address is P.O. Box 1220, La Quinta, Ca 92247. We can be reached via e-mail at chris@tftrx.com or you can reach us by telephone at (760) 564-1008. If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.

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* 9. Earnings Disclaimer

We make every effort to accurately represent our products and services and their potential for helping you create income. The earnings and income statements made are representations and/or estimates of what our company, its principles and past and present customers have created.

As with any business, your results will vary and will be based on your individual skills, business experience, expertise and efforts. There are no guarantees concerning the level of success you may experience. The testimonials and examples used are exceptional results, which do not apply to the average purchaser, and are not intended to represent or guarantee that anyone will achieve the same or similar results. Each individuals success depends on numerous factors, all of which are outside our control.

There is no assurance that examples of past earnings can be duplicated in the future. We cannot guarantee your future results and/or success. There are some unknown risks in business that we cannot foresee which can reduce results. We are not responsible for your actions.

The use of our information, products and services should be based on your own due diligence. You agree that our company is not liable for any success or failure of your business that is directly or indirectly related to the purchase and use of our information, products and services.

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10. Refund Policy

We accept product returns only within 30 days of your purchase. Please note that you are responsible for shipping and handling fees for the return. No COD parcels will be accepted.

We cannot accept responsibility for reimbursement or compensation of lost packages without proof of delivery. When your authorized return is received, we will credit the same credit card account with which the original purchase was made. If you paid via PayPal, you will receive credit to your PayPal account. If you paid with check or money order, you will be sent a check in the amount of your refund. We will process your return as soon as possible, but please allow up to 2 weeks for your refund to be processed and up to two billing cycles for the refund to appear on your credit card statement. You will receive an email once your return has processed. *Upon receipt of returned goods, we have the right to deny a refund if the merchandise does not meet the company return policy requirements.

Your refund will be in the amount of the original purchase price less shipping and handling fees. Should you decide to return a product after the guarantee period has expired, your refund will be reduced by a substantial restocking fee and any shipping and handling fees.

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(Last updated 2/11/2009)