PRIVACY POLICY

(Revised: March 2024)

Welcome and thank you for your interest in The Christian Business Association website (the “Site”) owned and operated by Next Step Mindset LLC (the “COMPANY”, “We”, “Our”, or “Us”). These Terms of Service govern your access and use of the Site and all publicly available content,  services and/or products provided by Us, including through the Site (collectively, the “Services”). Visitors to the Site and users of the Services are referred to herein individually as “User” and collectively as “Users”.By accessing and using the Site or Services, You accept without modification all the terms and conditions contained herein and all other operating rules, policies (including without limitation Our Privacy Policy), and any future modifications that may be published from time to time without notice to You or liability for such change on the Site or otherwise provided to You, and any additional terms and conditions to which You have agreed in connection with specific features, applications, products, or services provided by the Site or the Services (collectively, the “Terms”). In order to access some Services, You may have to create an account, pay a Membership Fee, and become a registered user of the Services. If You are entering into these Terms on behalf of an entity or any third party, such as a company You control, You represent that You have the legal authority to bind that entity to these Terms. BY ACCESSING, BROWSING, AND/OR OTHERWISE USING THE SITE OR THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE TERMS OF SERVICE AND ALL OTHER POLICIES AND PROCEDURES POSTED ON THE SITE. IF YOU DO NOT AGREE TO BE BOUND BY SUCH AGREEMENTS, THEN YOU MUST IMMEDIATELY CEASE ACCESS, BROWSING OR OTHERWISE USE THE SITE OR THE SERVICES.

Please read carefully, and note our MANDATORY ARBITRATION PROVISION and WAIVER OF CLASS ACTION PROVISION.

1. INTELLECTUAL PROPERTY

You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by COMPANY, You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.

As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of COMPANY. For information on requesting such permission, please contact us using the contact information listed in the section entitled “Contacting Us”.

By posting or submitting any material (including, without limitation, comments, blog entries, Facebook postings, photos and videos) to the COMPANY through the website, internet groups, social media venues, or to any of our staff via email, text or otherwise, 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, email, text or deliver or post any material, You are granting the COMPANY, and anyone authorized by COMPANY, 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 preceding 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 the COMPANY, and anyone authorized by the COMPANY, 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. For the sake of clarification, nothing contained in this section is meant to transfer ownership of any of the underlying intellectual property that I may share with the Companies. This provision refers to the Impressions and recordings in which You appear.

2. ABILITY TO ACCEPT TERMS AND CONDITIONS

You affirm that You are either more than 18 years of age, or an emancipated minor, and are fully able and competent to enter into the terms, and conditions, obligations, affirmations, representations, and warranties outlined in these Terms and Conditions, and to abide by and comply with these Terms and Conditions.

3. Children’s Privacy

The COMPANY offers online registration for a number of its programs. Current refund policies are as follows, and may change from time to time. If the program or product is not listed below we do not offer refunds on those programs or products.

4. IP Addresses

We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

5. Commitment to Data Security

All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.

We use SSL encryption to protect sensitive information online and do everything we can to protect user information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.

6. Updating, Removing, or Exporting your Personal Information

If you are a subscriber to one of our mailing lists, you can customize your information and the mailing lists you have subscribed to at any time by simply clicking the unsubscribe. Your personal information along with what you have purchased is safe with us as we don't sell or disseminate your information to any third parties.

If you have questions about the use, amendment, or deletion of Personal Information that you have provided to Us, or if you would like to opt out of future communications from us, please contact us using the information in the Contact Us section.

If you are a European subject and wish to request that we forget you from our database, please send an email to us at  neohcba@gmail.com with the subject line “Forget Me” and explain in the body of the email that you are asking to have your data deleted. To protect user privacy, you must send such a request from the account information we have on file or the request will not be honored. We reserve the right to retain any data that we are required to maintain under applicable laws. Some data will be anonymized rather than deleted; this means that some of the data will be held in a form that cannot be connected to you personally. Please be aware that once we delete your data, we will be unable to “undelete” it.

If you are a European subject and wish to request that we export your data, such as for purposes of porting it to another vendor, please send an email to neohcba@gmail.com with the subject line “Export My Data” and explain in the body of the email that you are asking for a data export. We have a standard data export format that we will provide and are not able to create custom exports. To protect user privacy, you must send such a request from the account information we have on file or the request will not be honored.

You may also have other rights under applicable federal, state, or local laws.

Personal information for the membership directory that you approve may be shared with other members. (ensure that the updated date is correct).

7. Terms of Use

Please read the Terms of Use Policy carefully to understand other terms and conditions that govern your use of this website. The Terms of Use Policy is hereby incorporated by reference as part of this Privacy Policy.

8. Severability

If any part of this Privacy Policy is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

10. Note To California Residents

If you live in the State of California, under the California Civil Code, you have the right to request that companies who conduct business in California provide you with a list of all third parties to which the company has disclosed Personal Information during the preceding year for direct marketing purposes.

Alternatively, the law provides that if a company has a Privacy Policy that gives either an opt-out (often referred to as “unsubscribe”) or opt-in choice for use of your Personal Information by third parties (such as advertisers or affiliated companies) for marketing purposes, that the company may instead provide you with information on how to exercise your disclosure choice options.

This Site qualifies for the alternative option; it has a comprehensive Privacy Policy and provides you with details on how you may either opt out or opt in to the use of your Personal Information by third parties for direct marketing purposes. Therefore, we are not required to maintain or disclose a list of the third parties that received your Personal Information for marketing purposes during the preceding year.

We do not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or sent properly or do not have complete information.