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Love spells in Austin-USA
My ssesse Love Spells in Austin-USA to bring Ex lover back in #3 days. Love Spells can be cast to Return a Lost Lover, Make Someone Fall in Love with You, Call your Soul-Mate into your life, or to remove any problems or obstacles from your relationship or marriage in Austin-USA. Ssesse love spells by Princess Asana will address all your love and relationship problems with one single love spell cast. lost love spells caster for people facing relationship & marriage problems. Princess Asana Love Spells have helped thousands of people to find love, get back an ex lover, using Ssesse love spells has helped in binding peoples love forever. By using Ssesse powerful love spells to rejuvenate your relationship & make your relationship stronger. love spells to bring back the feelings of love for ex lovers. In case your lover left you, this love spell is the perfect one to solve your problems Ssesse Love spells that work fast to attract a new lover, keep your lover with you & stop a cheating lover. my Ssesse love spells to stop a cheating lover from cheating on you so that you are the centre of attention and their affections. In case your lover left you, this love spell is the perfect one to solve your problems. A rupture is often due to a change of feeling inside the heart of one of the 2 lovers. Of course, love doesn't disappear in one day, but a lower love can be the cause of a break up. Therefore, this spell intends to restore the feelings of your ex partner and even make them stronger
Lost love spell
This is a spell is a spell that bring back the lost love between two partners. Lost EX spells to reclaim your ex-lover by attracting your ex lover back therefore you can Bind your ex-lover to yourself & renew your relationship again with lost love spells. Love can be comprised with varieties of feelings, emotions, and attitudes. Love loses meaning if any one of the couples does not have care of the other. Good love results into luck, blessings, career strength, wealthy and health minds. Bad or unstable Love result into bad lucks, loss in financial gains, loss in career strength, internal mental disorders, affects the children too and among other disguising things that can lead to an unhappy life. Make him come back to you & give you another chance using lost love spells. Love spells to bring him back by reversing a breakup or divorce using love spells Bring ex lover spells can make a ex lover you are still interested to have interest in you. Ex spells to make your ex lover like you and want you back
Ssesse Love spells that work - Asana Lost Love spells healer -
SSESSE Love spells that work fast to attract a new lover, keep your lover with you & stop a cheating lover Powerful love spells to stop a cheating lover from cheating on you so that you are the centre of attention and their affections. My binding love spells will bring the heart of two lovers together. Powerful love spells to find your soul mate, powerful love spells to heal your relationship or marriage. A soul mate lover is the best person to start a relationship with as your love relationship has the blessing of the universe and you have qualities that compliment each other as lovers. Do not suffer a broken heart, get my witchcraft lost love spells that work to bring back a lost lover. Become a love magnet only to your ex-lover with lost love witchcraft The lost love spells that work will make you more attractive and beautiful to your ex-lover. You will become their ideal man or woman This bring back lost lover spells that work will bring back your lost lover & increase the feeling of closeness, safety and reassurance that you will always be together. This spell will NOT control anyone's thoughts, feelings or actions. The loss of a lover is a heartbreaking experience especially if they are still alive but choose never to spend their lives with you again. Bring back a lost lover with bring back lost love spells. Bring back lost love spells that work will bind you together for eternity. If you are really in love with someone then this is the spell for you. There will always be a space in your heart that longs for that lost lover, my witchcraft lost love spells will help you regain that lost lover unconditionally Black magic love spells that work to make someone fall in love with you & powerful black magic love spells that work to return a lost lover Black magic love spells that work to cause a breakup of your relationship. Powerful black magic love spells that work to cause a divorce of a marriage
Marriage spells
Get the best of ssesse marriage spells, Do you want him to marry you? Our powerful marriage spells using hair are the most appropriate spells to make him marry you. So if you have been in a relationship for years but commitment or marriage is always postponed please dont hesistate to contact ssesse marriage spells to help you out.We have a team of experienced and professional spell casters who cast spells that work and with guaranteed results. If you have tried other spell casters and failed, don't think that it's the end of the world. Love requires action, and since time lost is never gained, you should try us now. Do you truly love your man and want to spend the rest of your life with him? Then you ought to cast these most powerful marriage spells using hair. protection spells Come Back To Me love spell. Get your ex back, even if they are currently with another lover. They will break up and he or she will come back to you, to be in your loving arms, the way it should have been all along. Break them up and bring back your lost love with The Break Up and Come Back To Me Love Spell.
Attract a new lover using Ssesse attraction lost love spells that work fast by Asana. Get your ex back using Ssesse Love spells attraction lost love spells that work fast
Commitment Spells
When you find that person you want to spend the rest of your life with but it seems they are hesitant to commit, we can help with a marriage or commitment spell. This spell is best when you are already in a relationship. If you have not met the special person we recommend a true love or attraction spell instead.
Faithfulness Spells
The temptation of cheating whether it is you who is struggling or your partner is hard to resist. Faithfulness spells can help you and your partner to feel content and uninterested in others.
Break-up Spells
If you have already broken up or sense that a break up is coming, let me cast a spell to change the hearts and rekindle the love. This spell may need to be accompanied with another like an attraction spell or a commitment spell.
True Love Spells
Whether you think you have found true love or just seek it out, let me push that energy out into the world to draw your true love near.
Strengthen our Love spell with ssesse love spells
has everyday life gotten in the way of your relationship? Does it feel like progress to something more stable between the two of you is on hold, or reached its plateau? You don't have to live this way anymore! The love you share can be stronger with The Strengthen Our Love Spell.
Stop a Divorce spells
Are you going through a divorce you just don't want? Still feel strong love towards your husband or wife and they no longer feel the same way? If it's not about the legal fee's, division of personal property, the countless arguments, or nights on the couch. Stop a divorce with The Stop a Divorce Love Spell.
Use gay love spells & Lesbian love spells to heal relationship problems in you are in a gay or lesbian relationship. Find a gay love, bring back an ex gay lover or make someone commit to a relationship using gay love spells
Binding Love Spells
Meant for more serious relationships like marriage, or the path to something very special and permanent. Once the binding love spell is cast, it is extremely difficult to reverse. It is highly recommended that you ensure you are choosing the right person for yourself before asking us to cast The Binding Love Spell
Break-Up Spells to break up a couple
If someone stole your lover, a Breakup Spell can be cast to get him or her back to you. This spell is designed to powerfully cause a separation or break-up. Break-Up Spells to break up a couple or relationship – in 2 Days: Break-Up Spells to break up a couple or relationship with the strong ssesse break up spells
SSesse Lost Love spells caster to get back your love
Have you lost your love, or has the person you love the most has left you, then you may cast this powerful Lost Love Spell and bring back your lost lover back to you forever. Some times it happens that you take the person you love for granted and don't give her or her any important and later when that person is out of your life you realize his or her importance but then it is too late and you have lost your love. But now with the help of Lost Love Spell you can correct your mistake and get back your love so that you will be able to live a happy loving life.
Addiction SSESSE Love Spells
An addiction spell will free you from your negative habits. Whether you struggle with smoking, drinking ,drugs, shopping, gambling or any other area of addiction. I will get you on to the road of recovery in no time
Lust Spells
Whether your relationship is struggling or you have just hit a dull phase in the lust area, a lust spell can be the answer to your problem. Increase sexual desire and intimacy in your relationship.
Heal Relationship Issues
No relationship is free of occasional issues. If you and your partner are struggling with an issue we can cast a custom spell to cleanse the energy and create a positive environment for your relationship to thrive.
Black Magic Love Spells
Whether you want your ex back or make someone love you, enjoy a lustful night or find your soulmate, my spells will help you to draw your object of attraction into your life. It will give you the pleasure that you deserve. With a little help from 'Magick', these four little words "Will You Marry Me" can be made possible. Whether you want to enjoy a hot romance or enter a committed relationship, this book will make it happen. The spells in this book summon all the ancient energies to bond you with your lover, both mentally and physically. You don't have to be alone anymore, by casting the spells you will always have the person you desire right beside you. May you be successful in finding your soulmate and enjoy many more years of bliss and togetherness.


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LOS ANGELES (AP) – Carl Reiner remembers Sid Caesar as a great flame who drew comedy writer "moths" including Mel Brooks and Neil Simon to his side.
The genius of 1950s TV comedy is illuminating television even today. Shows from "Saturday Night Live" to sitcoms owe a debt to Caesar's brilliant interpretation of material by Brooks, Simon, Woody Allen and Reiner himself, among others.
He was "inarguably the greatest pantomimist, monologist and single sketch comedian who ever worked in television," Reiner said of the actor-comedian, who died Wednesday at his Los Angeles area home after a brief illness. He was 91.
"Your Show of Shows," 1950-54, with co-star Imogene Coca, and "Caesar's Hour," 1954-57, were his major achievements.
"He was one of the truly great comedians of my time and one of the finest privileges I've had in my entire career was that I was able to work for him," Allen said in a statement.
While Caesar's sketch comedy lives on in shows like "SNL," his emphasis on humor born out of human nature is part of comedies such as "Modern Family," said longtime friend Eddy Friedfeld. He and Caesar wrote the 2003 biography "Caesar's Hours: My Life in Comedy, With Love and Laughter."
Among Caesar's TV staff writers, Friedfeld noted, several went on to create memorable sitcoms, including Reiner's "Dick Van Dyke Show," based on his "Your Show of Shows" experiences, and Larry Gelbart's "M-A-S-H."
While Caesar was best known for his TV shows, which have been revived on DVD in recent years, he also had success on Broadway and occasional film appearances, notably in "It's a Mad Mad Mad Mad World."
Caesar was born in 1922 in Yonkers, N.Y., the third son of an Austrian-born restaurant owner and his Russian-born wife. His first dream was to become a musician, and he played saxophone in bands in his teens.
His talent for comedy was discovered when he was serving in the Coast Guard during World War II and got a part in a Coast Guard musical, "Tars and Spars." He also appeared in the movie version. Wrote famed columnist Hedda Hopper: "I hear the picture's good, with Sid Caesar a four-way threat. He writes, sings, dances and makes with the comedy."
That led to a few other film roles, nightclub engagements, and then his breakthrough hit, a 1948 Broadway revue called "Make Mine Manhattan."
His first TV comedy-variety show, "The Admiral Broadway Revue," aired in 1949.
"Your Show of Shows," which debuted in February 1950, and "Caesar's Hour" three years later reached as many as 60 million viewers weekly and earned its star $1 million annually at a time when $5, he later noted, bought a steak dinner for two.
Increasing ratings competition from Lawrence Welk's variety show put "Caesar's Hour" off the air in 1957.
When "Caesar's Hour" ended, its star was only 34. But the unforgiving cycle of weekly television had taken a toll: He had started relying on booze and pills for sleep every night so he could wake up and create more comedy.
He beat a severe, decades-long barbiturate and alcohol habit in 1978, when he was so low he considered suicide. "I had to come to terms with myself. 'Yes or no? Do you want to live or die?'" Deciding that he wanted to live, he recalled, was "the first step on a long journey."
Florence, his wife of more than six decades, died four years ago, Friedfeld said. Caesar is survived by two daughters and a son.
Funeral plans were pending.

subset: commoncrawl


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Montana family organically grown Khorasan (kamut) wheat is small batch milled at Eden's organic, AIB highest rated mill. It makes exceptionally smooth textured pasta and its rich, buttery flavor is superb for baked goods, sauces, and gravies. Those sensitive to modern wheat often enjoy this ancient wheat. 100% whole grain. kosher pareve
Organic Eden Kamut Wheat Flour is Montana family organically grown Khorasan (kamut) wheat, small batch, freshly milled at Eden's organic, AIB highest rated mill. This 100% whole grain flour makes exceptionally smooth pasta and is perfect for bread, pizza dough, biscuits, cakes, muffins, tarts, and cookies. Its rich, buttery flavor makes delicious sauces and gravies.
Khorasan Triticum turgidum spp. T. turanicum is ancient wheat native to Asia Minor and Egypt. It is named Khorasan after the largest province in Persia in its northeast region where it once dominated agriculture. Khorasan in Persian means 'place of the sun.' Other common names are Kamut trademarked in 1990, Camel's Tooth, Oriental, Prophet's, or King Tut's wheat. Introduced to the U.S.A. in Montana in 1949, its golden grains are three times the size of modern wheat. It has the highest protein of all wheat, is closely related to the ancient grain spelt, and is a relative of durum wheat. Organic Eden Kamut Wheat Flour is not wheat free or gluten free. However, because its protein is easier to digest, those sensitive to modern wheat often enjoy it.
Nutrition Facts
USDA's Human Nutrition Research Center at Tufts University say, "Whole grain regulates blood sugar by slowing down the conversion of complex carbohydrates to sugar. In fact, low-glycemic index food such as whole grain reduces hunger and can help to control weight." Agriculture Research Service completed a study of more than 2,000 people concluding, "at least three or more servings of whole grain daily could reduce the chances of developing metabolic syndrome - a condition marked by a combination of abdominal obesity, high blood pressure, poor blood sugar control, low HDL 'good' cholesterol, and high blood fats."
According to FDA, "Diets rich in whole grain and other plant foods, and low in total fat, saturated fat, and cholesterol may reduce the risk of heart disease and some cancers." Also, "Low fat diets rich in fiber-containing grain, fruits, and vegetables may reduce the risk of some types of cancer, a disease associated with many factors." Eden Kamut Wheat Flour is low fat, saturated fat and cholesterol free, and sodium free. It is a good source of protein, fiber, thiamin B1, niacin B3, and magnesium.


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The app no longer seems to communicate with a DirecTV receiver (or TV/AVR) that it had previously found. What happened?
Note: If this happens only with Genie CLIENTS, the problem may be related to this FAQ instead.
First, be sure that your mobile device is connected to your home WiFi network and confirm your Whole Home settings if someone else may have changed them. An even more likely cause however is that the receiver is setup to use what is called DHCP. What this means is that your home network's router assigns it an arbitrary IP address whenever it needs to be renewed. Sometimes it happens to assign the same address, but often times it does not.
To correct the problem, you can usually just re-scan for receivers in the app. Note though that if your receivers are in fact using DHCP, then you may want to consider configuring your receiver for a static IP address or DHCP Reservation. Static or DHCP reservation applies not only to DirecTV receivers but also is recommended for any network device you'd like to control, including TVs or AVR.
It's also worth mentioning here that I have had some reports of DirecTV receivers and even AVRs (A/V Receivers controlled by the Volume Plugin) suddenly not being detected or controllable with the app. While at first glance it appeared to be a problem with my app, the problem actually resolved itself after rebooting the DirecTV receiver or AVR itself. So if things seem like they should "just work" but they are not, consider rebooting your DirecTV receiver or TV/AVR!
Tags: Scanning, Setup


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LodLive project provides a demonstration of the use of Linked Data standards (RDF, SPARQL) to browse RDF resources. The application aims to spread linked data principles using a simple and friendly interface with reusable techniques.
The basic principle underlying LodLive is to prove that resources published according to the W3C SPARQL standard are easy to reach and understand, with hopes that the LodLive approach can stimulate Public Administrations and large-scale data owners to add their resources to the LOD and share them. You can start browsing by querying the endpoint for a specific resource, or start from one of the provided URI examples.
LodLive is composed of a jQuery plug-in (lodlive-core.js), a JSON configuration map (lodlive-profile.js), an HTML page, a few images (sprites), and some other jQuery public plug-ins. It is as simple as that.
When navigating the data graph, how will I know which endpoint I'm at?
By going over the resource with your mouse, a box will appear in the lower left-hand corner in which certain features will be indicated, including the resource's endpoint.
The system seems to freeze when I open certain resources, and with IE it does not seem to work.
LodLife makes full use of the computer's power that it is accessing, and this has allowed us to develop an application that does not require any server component. The application can therefore be used immediately once it is downloaded.
We recommend using a recently up-dated browser, particularly Opera,
Safari or Google Chrome; FireFox will work but with a slower navigation function; Internet Explorer does not currently work with the application because it is not capable of managing certain LodLive features and functions.
Regarding SPARQL
Regarding standards and the semantic web
A sparql tutorial for the w3c working group can be found at
LodLive is available on GitHub https://github.com/dvcama/LodLive
Direct project participants
Diego Valerio Camarda (firstname.lastname@example.com), Silvia Mazzini (email@example.com) e Alessandro Antonuccio (email@example.com)
Diego is responsible for the app development, Silvia established the criteria basis, and Alessandro developed the interface design. The group has worked together day after day, and the tasks at hand have often blended through their collaboration.
For further information and contacts: firstname.lastname@example.com.
It is possible to signal an endpoint at firstname.lastname@example.com so that it can be inserted in the application and made available at lodlive.it. Generally the best results are obtained with datasets having owl:sameAs properties towards other resources available on SPARQL endpoints.
It is important to provide as much information as possible on the resources existing in the endpoint and on the specificities of the dataset. LodLive can be specifically configured to best represent the contents that it navigates.
LodLive is an experimental project that was set-up to spread and promote the linked-open-data philosophy and to create a tool that can be used for connecting RDF browser capabilities with the effectiveness of data graph representation.
LodLive is the first navigator to use RDF resources based solely on SPARQL endpoints.
LodLive aims to demonstrate how resources published by W3C standards for the semantic web can be made easily accessible and legible with a few viable tools.
LodLive is capable of connecting the resources existing in its configured endpoints, allowing the user to pass from one endpoint to another by making use of LOD interconnection capacities.
Here you can follow the direct and inverse connections provided by the resource by moving freely from one "circle" to the others.
Every new pop-open resource will guide the user to those relating to it, automatically connecting the new "circle" to the ones they have already opened.
Every time an owl:sameAs property is reached throughout the course of navigation, LodLive will connect to the related endpoint, enabling the user to move to the new available resources within the same navigation environment.


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Celtics close to sign and trade for All-Star David West
A source briefed on discussions Friday evening said that the Boston Celtics are close to a deal with free agent power forward David West, who has been with the New Orleans Hornets since being drafted in 2003.
West, 31, was expected to be one of the top free agents in this year's class, but he is coming off of a torn ACL suffered late last season in a game against Utah. West has diligently rehabbed his injury in North Carolina last summer, but teams have been slow to make significant offers to him.
A two-time All-Star, West has averaged 16.4 points and 7.3 rebounds in his eight NBA seasons. If healthy, West would be a boon whether starting or coming off the bench for the Celtics.
Rumor: Sign-and-trade for a 3-year, $27-29M deal. Who's gone? Ray? J.O? Green?
Yahoo's Wojo reporting JO is being traded.
David West has desperately wanted to play for a winner, and will take less money to do so in Boston.Update 2:50 AM
Boston Herald
Ainge, known for his blockbuster moves, nearly pulled off another one last night when he reportedly came close to signing pricey free agent David West. It was unclear whether he attempted to use restricted free agent Jeff Green in a sign-and-trade to make the deal for West possible.Boston Herald is the only place reporting deal is dead. They usually don't know shit, so take this with a grain of salt until confirmed by more sources.
"They're out of that race, but they did try," said a league source.
Update 3:05 AM
Yahoo Sports Wojo and Spears
Free-agent forward David West is nearing an agreement to join the Boston Celtics on a three-year deal that will pay him between $27 million and $29 million, league sources told Yahoo! Sports.
The Celtics are working to complete a sign-and-trade deal with the New Orleans Hornets, and are expected to include center Jermaine O'Neal and guard Sasha Pavlovic. The Hornets are believed to have a third team willing to take O'Neal, the veteran center.


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Terms and Conditions
Please be advised that the information provided on tide-forecast.com is not intended to meet the specific requirments of certain types of watersports, industry, or any other marine / inshore activity. It is the user's responsibility to ensure that the data is suitable for their intended purpose and also to check the real life conditions before undertaking any activity.
For vessels operating under the International Convention for the Safety of Life at Sea (SOLAS), 1974 regulations we recommend they seek reference to specific tide products designed for that use.
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Last updated July 8, 2024
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a. Your Right to Reject Arbitration: You may reject this Agreement by mailing a rejection notice to 300 Galleria Pkwy SE, Suite 1500, Atlanta, GA 30339, Attn. Terms of Use and Privacy Policy Arbitration Rejection, within 30 days after you agree to these terms of use. Any rejection notice must include your name, address and telephone number; the date you agreed to the Terms of Use that your rejection notice applies to; and your signature. Your rejection notice will apply only to this Agreement in the Terms of Use and Privacy Policy, but will not affect any term of any other contract between you and us (including without limitation any prior or subsequent agreement), nor will it change your obligation to arbitrate claims or matters covered by any prior or subsequent agreement to arbitrate, including each agreement to arbitrate that arises pursuant to the Terms of Use on the Company's website which is not the subject of a valid rejection notice.
b. What Claims Are Covered: "Claim" means any claim, dispute or controversy between you and us, whether preexisting, present or future, that in any way arises from or relates to the Terms of Use or Privacy Policy, your use of this website, your Account, any transaction in your Account, the events leading up to the Terms of Use or Privacy Policy (for example, any disclosures, advertisements, promotions or oral or written statements, warranties or representations made by us), communications between you and us and the manner of communicating, any product or service provided by us or third parties in connection with the Terms of Use or Privacy Policy, the collection of amounts due and the manner of collection, enforcement of any and all of the obligations a party hereto may have to another party, compliance with applicable laws and/or regulations (including but not limited to the Telephone Consumer Protection Act), or the relationships resulting from any of the foregoing. "Claim" has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims and federal, state, local and administrative claims and claims which arose before the effective date of this Arbitration Agreement. It includes disputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and equity and claims for money damages and injunctive or declaratory relief.
However, "Claim" does not include: (i) any dispute or controversy about the validity, enforceability, coverage or scope of this Arbitration Agreement or any part thereof (including, without limitation, the Class Action Waiver set forth below, subparts (A) and (B) of the part (k) set forth below titled "Rules of Interpretation" and/or this sentence); all such disputes or controversies are for a court and not an arbitrator to decide; but disputes about the validity or enforceability of the Terms of Use or Privacy Policy as a whole are for the arbitrator and not a court to decide; (ii) seeking and obtaining from a court of competent jurisdiction (notwithstanding ongoing arbitration and without waiver of rights under this Arbitration Agreement) provisional or ancillary remedies including but not limited to injunctive relief, temporary restraining orders, property preservation orders, foreclosure, sequestration, eviction, attachment, replevin, garnishment, and/or the appointment of a receiver; (iii) the exercising of any self-help or non-judicial remedies by you or us; (iv) any individual action in court by one party that is limited to preventing the other party from using a self-help remedy and that does not involve a request for damages or monetary relief of any kind; or (v) any individual action brought by you against us in small claims court or your state's equivalent court, if any. But if that action is transferred, removed or appealed to a different court, we then have the right to choose arbitration.
c. Electing Arbitration; Starting an Arbitration Proceeding: Either you or we may elect to arbitrate a Claim by giving the other party written notice of the intent to arbitrate the Claim or by filing a motion to compel arbitration of the Claim. This notice may be given before or after a lawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by papers filed in the lawsuit, such as a motion to compel arbitration. Each of the arbitration administrators listed below has specific rules for starting an arbitration proceeding. Regardless of who elected arbitration or how arbitration was elected, the party asserting the Claim (i.e., the party seeking money damages or other relief from a court or an arbitrator) is responsible for starting the arbitration proceeding. Thus, if you assert a Claim against us in court, and we elect to arbitrate that Claim by filing a motion to compel arbitration which is granted by the court, you will be responsible for starting the arbitration proceeding. Similarly, if we assert a Claim against you in court, you assert a counterclaim against us, and we elect to arbitrate that counterclaim by filing a motion to compel arbitration which is granted by the court, you will be responsible for starting the arbitration proceeding. Even if all parties have opted to litigate a Claim in court, you or we may elect arbitration with respect to any Claim made by a new party or any Claim later asserted by a party in that or any related or unrelated lawsuit (including a Claim initially asserted on an individual basis but modified to be asserted on a class, representative or multi-party basis). Nothing in that litigation shall constitute a waiver of any rights under this Arbitration Agreement.
d. Choosing the Administrator: The party starting the arbitration proceeding must choose one of the following arbitration organizations as the Administrator: the American Arbitration Association (the "AAA"), 120 Broadway, Floor 21, New York, N.Y 10271, www.adr.org., or JAMS, 1920 Main St. Ste. 300, Irvine, CA 92614, www.jamsadr.com. You may contact these organizations directly if you have any questions about the way they conduct arbitrations or want to obtain a copy of their rules and forms (which are also available on their websites). A single arbitrator shall be appointed. If for any reason the Administrator selected is unable or unwilling to serve or continue to serve as Administrator, the other company will serve as Administrator. If neither the AAA nor JAMS is able or willing to serve as Administrator, we and you will mutually agree upon an Administrator or arbitrator or a court with jurisdiction will appoint the Administrator or arbitrator (or arbitrators, in the case of a three-arbitrator panel provided for in Section "j", below). No company may serve as Administrator, without the consent of all parties, if it adopts or has in place any formal or informal policy that is inconsistent with and purports to override the terms of the Class Action Waiver in section (e) of this Arbitration Agreement. In all cases, the arbitrator(s) must be a lawyer with more than 10 years of experience or a retired judge. Arbitration of a Claim must comply with this Arbitration Agreement and, to the extent not inconsistent or in conflict with this Arbitration Agreement, the applicable rules of the arbitration Administrator.
e. Class Action Waiver: Notwithstanding any other provision of the Terms of Use or Privacy Policy, if either you or we elect to arbitrate a Claim, neither you nor we will have the right: (a) to participate in a class action, private attorney general action or other representative action in court or in arbitration, either as a class representative or class member; or (b) to join or consolidate Claims with claims of any other persons. No arbitrator shall have authority to conduct any arbitration in violation of this provision or to issue any relief that applies to any person or entity other than you and/or us individually. (Provided, however, that the Class Action Waiver does not apply to any lawsuit or administrative proceeding filed against us by a state or federal government agency even when such agency is seeking relief on behalf of a class of borrowers including you. This means that we will not have the right to compel arbitration of any claim brought by such an agency).
f. Location of Arbitration: Any arbitration hearing that you attend must take place at a location reasonably convenient to your residence.
g. Cost of Arbitration: Each Administrator charges fees to administer an arbitration proceeding and the arbitrator also charges fees. This includes fees not charged by a court. At your written request, we will pay all filing, hearing and/or other fees charged by the Administrator and arbitrator to you for Claim(s) asserted by you in an individual arbitration after you have paid an amount equivalent to the fee, if any, for filing such Claim(s) in state or federal court (whichever is less) in the judicial district in which you reside. (If you have already paid a filing fee for asserting the Claim(s) in court, you will not be required to pay that amount again). In addition, the administrator may have a procedure whereby you can seek a waiver of fees charged to you by the Administrator and arbitrator. We will always pay any fees or expenses that we are required to pay by law or the Administrator's rules or that we are required to pay for this Arbitration Agreement to be enforced. With respect to Claim(s) asserted by you in an individual arbitration, we will pay your reasonable attorney, witness and expert fees and costs if and to the extent you prevail, if applicable law requires us to or if we must bear such fees and costs in order for this Arbitration Agreement to be enforced. We will not ask you to pay or reimburse us for any fees we pay the Administrator or the arbitrator or for our attorneys' fees and costs unless (1) the arbitrator finds that you have acted in bad faith (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), and (2) this power does not make this Arbitration Agreement invalid. At the timely request of either party, the arbitrator must provide a brief written explanation of the basis for the award.
h. Governing Law: The Terms of Use or Privacy Policy evidences a transaction involving interstate commerce and, therefore, this Arbitration Agreement is governed by the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq. (the "FAA"), and not by any state arbitration law. The arbitrator will not be bound by judicial rules of procedure and evidence that would apply in a court, or by state or local laws that relate to arbitration proceedings. The arbitrator will apply the same statutes of limitation and privileges that a court would apply if the matter were pending in court. The arbitrator will have the authority to hear and rule on appropriate dispositive motions for judgment on the pleadings, for failure to state a claim, or for full or partial summary judgment. All parties (the AAA/JAMS, the arbitrators, you and we) must, to the extent feasible, take any action necessary to ensure that an arbitration proceeding, as described in this Arbitration Agreement, is completed within 180 days of filing the Claim with the AAA or JAMS. This provision will be liberally construed to ensure the enforcement of this Arbitration Agreement. In determining liability or awarding damages or other relief, the arbitrator will follow the applicable substantive law, consistent with the FAA that would apply if the matter had been brought in court. The arbitrator may award any damages or other relief or remedies that would apply under applicable law to an individual action brought in court, including, without limitation, punitive damages (which shall be governed by the Constitutional standards employed by the courts) and injunctive, equitable and declaratory relief (but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim). The arbitrator will have the authority to award fees and costs of attorneys, witnesses and experts to the extent permitted by the Terms of Use or Privacy Policy, the Administrator's rules or applicable law.
i. Right to Discovery: In addition to the parties' rights to obtain discovery pursuant to the arbitration rules of the Administrator, either party may submit a written request to the arbitrator to expand the scope of discovery normally allowable under the arbitration rules of the Administrator. The arbitrator shall have discretion to grant or deny that request.
j. Arbitration Result and Right of Appeal: Judgment upon the award given by the arbitrator may be entered in any court having jurisdiction. The arbitrator's decision is final and binding, except for any right of appeal provided by the FAA. The arbitrator's authority shall be limited to deciding the case submitted by the parties to the arbitration. Therefore, no decision by any arbitrator shall serve as precedent in other arbitrations except in a dispute between the same parties, in which case it could be used to preclude the same claim from being re-arbitrated. If the amount of the Claim exceeds $25,000, any party can, within 30 days after the entry of the award by the arbitrator, appeal the award to a three-arbitrator panel administered by the Administrator. (If an appeal is not filed within that time period, the arbitration award shall become final and binding). The panel shall reconsider de novo (anew) any aspect of the initial award requested by the appealing party. This means that they shall reach their own findings of fact and conclusions of law rather than deferring in any manner to the original arbitrator. The decision of the panel shall be by majority vote. Reference in this Arbitration Agreement to "the arbitrator" shall mean the panel if an appeal of the arbitrator's decision has been taken. The costs of such an appeal will be borne in accordance with subparagraph (g) above, captioned "Cost of Arbitration." Any final decision of the appeal panel is subject to judicial review only as provided under the FAA.
k. Rules of Interpretation: This Arbitration Agreement shall survive the termination, cancellation or suspension of the Terms of Use or Privacy Policy, any legal proceeding, and any bankruptcy by you, to the extent consistent with applicable bankruptcy law. In the event of a conflict or inconsistency between this Arbitration Agreement, on the one hand, and the applicable arbitration rules or the other provisions of the Terms of Use or Privacy Policy, on the other hand, this Arbitration Agreement shall govern. If any portion of this Arbitration Agreement is deemed invalid or unenforceable, it shall not invalidate the Terms of Use or Privacy Policy or the remaining portions of this Arbitration Agreement, except that:
(A) The parties acknowledge that the Class Action Waiver is material and essential to the arbitration of any disputes between them and is non-severable from this Arbitration Agreement. If the Class Action Waiver is limited, voided or found unenforceable, then this Arbitration Agreement (except for this sentence) shall be null and void with respect to such proceeding, subject to the right to appeal the limitation or invalidation of the Class Action Waiver. The parties acknowledge and agree that under no circumstances will a class action be arbitrated; and
(B) If a Claim is brought seeking public injunctive relief and a court determines that the restrictions in the Class Action Waiver or elsewhere in this Arbitration Agreement prohibiting the arbitrator from awarding relief on behalf of third parties are unenforceable with respect to such Claim (and that determination becomes final after all appeals have been exhausted), the Claim for public injunctive relief will be determined in court and any individual Claims seeking monetary relief will be arbitrated. In such a case the parties will request that the court stay the Claim for public injunctive relief until the arbitration award pertaining to individual relief has been entered in court. In no event will a Claim for public injunctive relief be arbitrated.
l. Notice of Claim; Right to Resolve; Special Payment: Prior to initiating, joining or participating in any judicial or arbitration proceeding regarding any Claim, the Claimant (the party who asserts or seeks to assert a Claim in a lawsuit or arbitration proceeding) shall give the other party written notice of the Claim (a "Claim Notice") and a reasonable opportunity, not less than 30 days, to resolve the Claim. Any Claim Notice you send must include your name, address, telephone number and loan or account number. Any Claim Notice must explain the nature of the Claim and the relief that is demanded. You may only submit a Claim Notice on your own behalf and not on behalf of any other party. The Claimant must reasonably cooperate in providing any information about the Claim that the other party reasonably requests. If: (i) you submit a Claim Notice in accordance with this paragraph on your own behalf (and not on behalf of any other party); (ii) we refuse to provide the relief you request before an arbitrator is appointed; and (iii) an arbitrator subsequently determines that you were entitled to such relief (or greater relief), the arbitrator shall award you at least $7,500 (not including any arbitration fees and attorneys' fees and costs to which you may be entitled under this Arbitration Agreement or applicable law). We encourage you to address all Claims you have in a single Claim Notice and/or a single arbitration. Accordingly, this $7,500 minimum award is a single award that applies to all Claims you have asserted or could have asserted in the arbitration, and multiple awards of $7,500 are not contemplated by this Section.
Governing Law
We agree that the laws of the State of Georgia, without regard to principles of conflict of laws, will govern these Terms and Conditions of Use and/or any dispute of any sort that might arise between you and the Company or its affiliates, except for the Arbitration Agreement, which is governed by the Federal Arbitration Act.
Your Consent to Future Changes
You agree that we may change the website, these Terms of Use, and our Privacy Policy at any time. If we change the Terms of Use or some part of them, they will become effective immediately on posting of the updated or revised Privacy Policy on this web page regardless of whether or not you have actual notice of the changes. You should review our Terms of Use and Privacy Policy periodically for changes. Additionally, you agree that any use of the website following our publication of any changes to these Terms of Use or Privacy Policy will expressly reaffirm your express written consent to the Terms of Use, and acceptance of the changes. Should you wish to opt-out of such future changes, you must communicate your request to opt-out to us in writing, either by email at email@example.com or at this address: Commissions, Inc. 300 Galleria Pkwy SE, Suite 1500, Atlanta, GA 30339. The opt-out shall be effective 10 days after receipt. In the event you opt-out, our agreement will continue to be governed by the Terms of Use in effect at the time you originally submitted your information, or at the time of the last update to which you did not opt-out.
Types of Information Collected
The Company, and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining and providing internal support for our Web Properties, may collect two types of information when you visit the Web Properties: Personal Information and Usage Information. Generally, you can visit the Company's websites without entering any Personal Information. In certain cases, we may ask you for personal information to provide a service or carry out a transaction that you have requested.
Personal Information: The types of information we collect may include, among other things, the following categories of information (collectively, "Personal Information"):
You are not required to provide any of this information, but if you choose not to provide certain information, we may not be able to provide the requested service or complete your transaction.
Usage Information: The types of usage information we collect may contain generic information about your visit to the Web Properties, such as the following categories of information (collectively, "Usage Information"):
We do not link the above information to your identity or a user account for use in connection with the Web Properties (your "User Account"), unless you enter the site with a User Account or are logged into your User Account at the time you visit the site.
On sites that you enter with a User Account, we may connect your browsing history (including time spent at the Web Properties, time and date of your visit, links you click), number of bytes transferred, the material and pages you accessed, the number of clicks, and other actions taken at a Web Property (all of which are also Usage Information) with your identity to determine your potential interests in our products and services.
How Information Is Collected
We may collect Personal Information and Usage Information about you from the following sources:
Usage Information: We may collect Usage Information from you as follows:
Cookies. From time to time, we may use "cookies" to keep track of your visit and use of the Web Properties. Cookies are small files that websites save to your hard disk or to your browser's memory. We may use them to track the number of times you have visited the site, to track the number of visitors to the site, to determine and analyze visitors' use of our sites (including the effectiveness of online advertising), to store information that you provide such as your preferences, and to store technical information useful for your interactions with our websites. We may use session cookies (cookies that are deleted when your browser session ends) to store your User Account, elements of your user profile, to facilitate your movement around our websites (particularly in connection with information searches and order placement) and other information useful in administering the session. You have the ability to accept or decline cookies. Most Internet browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or to notify you when a cookie is being placed on your computer. If you choose to decline cookies, you may not fully be able to experience the features of the Web Properties.
Managing Cookies.
If you wish to opt out of allowing certain cookies, you may do so by changing your browser settings so that cookies from our website cannot be set. Please note that if you delete, block, or otherwise restrict cookies, or use a different computer or Internet browser, you will need to renew your cookie management choices.
Most Internet browsers automatically accept cookies, but you can usually modify your browser settings to decline cookies or to notify you when a cookie is being placed on your computer. The methods for doing so vary from browser to browser, and from version to version. You can however obtain up-to-date information about blocking and deleting cookies via these links:
(a) https://support.google.com/chrome/answer/95647 (Chrome);
(b) https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop (Firefox);
(c) https://help.opera.com/en/latest/security-and-privacy/ (Opera);
(d) https://support.microsoft.com/en-gb/help/17442/windows-internet-explorer-delete-manage-cookies (Internet Explorer);
(e) https://support.apple.com/en-gb/guide/safari/manage-cookies-and-website-data-sfri11471/mac (Safari); and
(f) https://support.microsoft.com/en-gb/help/4468242/microsoft-edge-browsing-data-and-privacy (Edge).
Please note that this Cookie policy does not apply to, and we are not responsible for, the privacy practices of third party websites which may be linked to our websites.
Web Analytics and Web Session Recording Technologies: The Company uses industry standard web analytics to track web visits.
We and third parties also use tools that enable us to track certain aspects of a user's visit to our websites. These technologies help us better manage content on our websites by informing us what content is effective, how consumers engage with our websites, and how consumers arrive at and/or depart from our websites. The software typically uses two methods to track user activity: (1) "tracking pixels" and (2) "clear gifs." Tracking pixels are pieces of executable code that are embedded in a web page that track usage activity including which pages are viewed, when they are viewed, and how long the pages are viewed. Clear gifs are tiny graphics with unique identifiers which are embedded in web pages and email messages that track whether a user views a web page or email message. User activity information may be associated with additional information about a user's session and Personal Information, if provided by the user.
To better assess and optimize our marketing activities, we may use a tool called the "Meta Pixel" operated by Meta (formerly Facebook). Facebook is able to determine the visitors of our online offers as a target group for the presentation of advertisements (so-called "Facebook ads"). Accordingly, we use the Meta pixel to display our Facebook ads only to Facebook users who have shown an interest in our website or who have specific characteristics that we submit to Facebook. Meta pixel allows us to ensure that Facebook ads are in line with the potential interest of users. Meta pixel also allows us to track the effectiveness of Facebook ads for statistical and market research purposes by seeing whether users have been redirected to our website after clicking on a Facebook ad.
The Meta pixel may be directly integrated into our website by Facebook and can store a cookie on your device. If you then log in to Facebook or visit Facebook when you are logged in, your visit to our online offer will be noted in your profile. The data collected about you is anonymous for us, i. e. it does not allow us to draw conclusions about the identity of the users. However, the data is stored and processed by Facebook so that it can be linked to the respective user profile and used by Facebook as well as for its own market research and advertising purposes. If we transfer data to Facebook for comparison purposes, it is encrypted locally in the browser and only then sent to Facebook via a secure https connection. This is done with the sole purpose of matching the data encrypted by Facebook.
For more information about Facebook's policies and practices, please see the Facebook Data Usage Policy at: https://www.facebook.com/privacy/policy/. For specific information and details about the Facebook pixel and how it works, visit the Facebook Help Center at: https://www.facebook.com/business/help/651294705016616.
Your use of our website implies your consent to the use of Meta Pixel. You may manage your preferences or opt out of data collection through Meta Pixel by visiting and following the instructions on how to set up use-based advertising at: https://www.facebook.com/settings?tab=ads.
We may use technologies for the following purposes across our websites:
We use developer tools that allow us to collect information that enables us to diagnose and resolve bugs or user issues with our websites.
We also use services to monitor and improve our services by helping us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don't like, etc.) and this enables us to build and maintain our service with user feedback. These services use cookies and other technologies to collect data on our users' behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website.
We may use a tool called "Fullstory" to monitor and improve our services. FullStory is a technology service that helps us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and don't like, etc.) and this enables us to build and maintain our service with user feedback. FullStory uses cookies and other technologies to collect data on our users' behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. FullStory stores this information in a pseudonymized user profile. FullStory is contractually forbidden to sell any of the data collected on our behalf. For more information about Fullstory's policies and practices, please see Full Story's privacy policy at https://www.fullstory.com/legal/privacy-policy/. You can opt out Fullstory's services by following these instructions: https://www.fullstory.com/optout/.
We may also use Google Analytics, an independent web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our website. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. For more information about Google's policies and practices, please see Google's privacy policy at https://www.google.com/intl/en/policies/privacy . You may opt out of the aggregation and analysis of data collected about you on our website by Google Analytics by downloading the Google Analytics opt-out browser add-on, available at https://tools.google.com/dlpage/gaoptout. Please note that if you opt out, analytics companies other than Google Analytics may continue to aggregate and analyze data collected about you on our website.
We may also use Microsoft Clarity to monitor and improve our services. Microsoft Clarity is a website analytics service that we use to track how users interact with our website. The service collects data on user behavior, such as clicks, scrolls, and navigation.
For more information about Microsoft Clarity's policies and practices, please see Microsoft Clarity's privacy policy at https://privacy.microsoft.com/en-us/privacystatement. You can deactivate Microsoft Clarity's services by contacting us directly at email@example.com.
We reserve the right to remove or add new analytic technologies.
Chat Bot Technology. We may also use third-party service providers to provide chat services for our clients to communicate with us regarding your account, payments, and other general questions you may have. As you navigate our websites and use the chat systems with us, we attempt to protect your privacy to the maximum extent possible. However, some of the information that we receive through this website and your interactions with the chat systems may be tracked, such as the date you communicate with us, the last day you contacted us, and other messages, comments and conversations made through the chat messages. The chat system collects the information that you voluntarily type in the chat bot when you initiate a query through the chat system and respond to a query from the chat system. Additionally, when you are using our chat system, it collects interactions that you have made into the chat system while communicating with a customer service representative. This data is used to understand your preferences, provide personalized responses, and enhance the performance and functionality of the chat bot. We may retain this information for a reasonable period unless you request its deletion. You can maximize the benefits of your privacy partnership with us by making informed decisions about whether to share personally identifiable information with us through our website. Third party chat bot systems may capture, record, or analyze your chat bot communications with us.
Through our chat bot services, we may use AI technology ("Bot") to power the chat functionality which is intended to provide immediate responses to your questions. While we have made every effort to ensure that the Bot provides accurate and up-to-date information, please understand that it may not be able to address more complex queries fully and sometimes, it might even give a completely wrong answer.
The information provided by the Bot should not be solely relied upon for making critical decisions or resolving complex issues. Users are responsible for verifying and cross-referencing the information provided and should exercise caution and judgment when relying on its responses.
Under no circumstances shall Commissions, Inc. be liable for any direct, indirect, special, incidental, or consequential damages arising out of or in connection with the use of the chat bots on its websites. This includes, without limitation, any damage, loss, or injury caused by error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorized access to, alteration of, or use of the chat bot.
While we make efforts to ensure the availability and reliability of the chat bot, there may be instances where it is unavailable or experiences technical issues. Commissions, Inc. shall not be held responsible for any inconvenience or damages arising from such occurrences.
Web Beacons: Some of our web pages and electronic communications may contain images, which may or may not be visible to you, known as Web Beacons (sometimes referred to as 'clear gifs'). Web Beacons collect only limited information that includes a cookie number; time and date of a page view; and a description of the page on which the Web Beacon resides. We may include web beacons in promotional email messages or Newsletters in order to determine whether messages have been opened and acted upon.
Unique Identifier: We may assign you a unique internal identifier to help keep track of your future visits. We use this information to gather aggregate demographic information about our visitors, and we use it to personalize the information you see on the Web Properties and some of the electronic communications you receive from us. We keep this information for our internal use, and this information is not shared with others.
Use of Collected Information
Information collected by us may be used for the following main purposes:
Web Properties Operation and Improvement: We may use your information to (a) improve Web Properties and related products or services, or to make the Web Properties easier to use (for example, by eliminating the need for you to repeatedly enter the same information), (b) setting up and managing your User Account, including processing your requests for information; (c) providing support, products or services to you, and/or (d) customizing the Web Properties to your particular preference or interests.
Services and Transactions: We and our third party service providers may use your personal information to deliver services or carry out transactions you have requested or in which you may be interested. Such services may include enhancing email communications, text message communications, website or app experiences in our products.
Communications: We may use your personal information gathered via the Web Properties to inform you of products or services available from us, as you agreed to and as described further above, and in our Terms of Use. We and/or any of our third party service providers may send you information about existing and new services, products, and special offers, by email, telephone, mail or by means of any other contact details you provide to us or our affiliates, or to such third party service providers. Data sharing excludes SMS opt-in data and consent. In order to offer you a more consistent experience in your interactions with us, information collected by our Web Properties may be combined with information we collect by other means. Each advertising email communication we send includes an unsubscribe link allowing you to stop delivery of that type of communication. If you elect to unsubscribe, we will remove you from the relevant list within 10 business days.
Employment Applications: In connection with a job application or inquiry, you may provide us with information about yourself, such as a resume or curriculum vitae. We may use this information throughout the Company and its controlled subsidiaries and affiliates for the purpose of employment consideration. We will keep the information for future consideration unless you direct us not to do so.
This Privacy Policy is not intended to place any limits on what we can do with information that is aggregated or de-identified so it is no longer associated with an identifiable user of the Web Properties.
Disclosure of Your Information
Except as described below, the information you provide to the Company through the Web Properties will not be shared outside of the Company affiliates without your permission.
Disclosure to Service Providers and Customers. We may provide Personal Information and Usage Information to our subsidiaries and other businesses or persons for the purposes of processing such information on our behalf and promoting the products and services of our trusted business partners. For example, we may transfer Personal Information and other information about you to a local real estate broker or participating lender where you have shown an interest in residential properties. We require that these parties agree to process such information in compliance with our Privacy Policy or in a similar, industry-standard manner. These parties may store some or all of your information on servers outside of the United States. The use of your information by one of our trusted business partners may be subject to that party's own privacy Policy.
Transfers of Information: We reserve the right to transfer your Personal Information, as well as any information about or from you, in connection with the merger, sale or other disposition of all or part of our business and/or assets. We cannot make any representations regarding the use or transfer of your Personal Information or other information that we may have in the event of our bankruptcy, reorganization, insolvency, receivership, or an assignment for the benefit of creditors. You expressly agree and consent to the use and/or transfer of your Personal Information or other information in connection with a sale or transfer of some or all of our assets in any of the above-described proceedings. Furthermore, we are not and will not be responsible for any breach of security by any third parties or for any actions of any third parties that receive any of the information that is disclosed to us.
We may also disclose your Personal Information with your permission or as directed by you.
We are committed to protecting the security of your personal information. We use technical, administrative and physical security measures designed to protect your personal information from unauthorized access, use, or disclosure.
You are ultimately responsible for ensuring the security of your username, password and User Account information from unauthorized access, use or disclosure to others. When using the Web Properties, you are not permitted to circumvent the Web Properties' security features.
You agree to: (a) immediately notify us of any unauthorized use of your username, password and/or User Account, and/or any other breach of security; and (b) ensure that you log out from your User Account at the end of each session. While we use technologies and procedures designed to protect your confidential information and provide suitable security, please be aware that no security measures are perfect or impenetrable. We do not and cannot guarantee or warrant that any information transmitted through the Internet is secure, or that such transmissions are free from delay, interruption, interception or error.
Reviewing and Correcting Your Personal Information
You can make a request to review and correct your Personal Information collected via the Web Properties by completing our Contact Us form or, if you have a User Account, by accessing your User Account. We may take steps to verify your identity before providing you access to your Personal Information. You can help us to maintain the accuracy of your information by notifying us of any change to your mailing address, phone number, or email address.
Deleting Your Personal Information
You can make a request to delete your Personal Information collected via the Web Properties by following the link " Delete my Personal Information. " We may take steps to verify your identity before evaluating your request to delete. Your request to delete will be provided to the business owner for deletion. By deleting your Personal Information, we may be unable to provide certain services to you.
Children's Information
The Web Properties are not intended for or designed to attract children under the age of thirteen (13). By using the Web Properties, you affirm that you are more than eighteen (18) years of age, or an emancipated minor, or possess parental or legal guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in this Privacy Policy, and to abide by and comply with this Privacy Policy.
Links to Other Sites
The Web Properties may now or in the future contain links to other sites such as findnwfloridahomes.com affiliates, professional organizations, and third party businesses that advertise on the Web Properties. While we try to link only to sites that share our high standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other sites. Other than under agreements with certain reputable organizations and companies (such as certain third party advertisers on the Web Properties), and except for third party service providers (as described in this Privacy Policy), we do not share any of the Personal Information that you provide to us with any of the websites to which the Web Properties links, although we may share aggregate, non-personally identifiable information with those other third parties. Please check with those websites in order to determine their privacy policies and your rights under them. Notwithstanding the above, the Company's use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.
International Users
If you are visiting us from outside the United States, please note that we may collect, transfer, and continue to use your Personal Information outside of your country and within the United States for any of the purposes described in this Privacy Policy. By using the Web Properties and providing us with your Personal Information, you consent to our collection, transfer, and continued use of your Personal Information in accordance with this Privacy Policy.
Choices with Your Personal Information
Whether you submit any Personal Information to us is entirely up to you. You are under no obligation to provide Personal Information. However, in the event this information is essential for us to provide certain services to you, we will be unable to provide you with those services if you choose to withhold requested information.
You may choose to prevent us from disclosing or using your Personal Information under certain circumstances ("opt out"). You may opt out of any disclosure or use of your Personal Information for purposes that are incompatible with the purpose(s) for which it was originally collected or for which you subsequently gave authorization by notifying us by any reasonable method. We will undertake reasonable efforts to notify third parties with whom we have shared your Personal Information as permitted under this Privacy Policy of your election to opt out. There are some uses from which you cannot opt out, such as to provide products or services that you have requested from us.
Your California Privacy Rights
Under California's "Shine the Light" law, California residents who provide certain personally identifiable information in connection with obtaining products or services for personal, family, or household use are entitled to request and obtain from us (once a calendar year) information about the customer information we shared (if any) with other businesses for their own direct marketing uses. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g., requests made in 2018 will receive information regarding 2017 sharing activities, if any).
To obtain this information, please send an email message to firstname.lastname@example.com with "Request for California Privacy Information" in the subject line and in the body of your message. We will provide the requested information to you at your email address in response. Please be aware that not all information sharing is covered by the "Shine the Light" requirements, and only information on covered sharing will be included in our response.
For additional rights as a California consumer, please visit Commissions, Inc.'s California Privacy link.
For Colorado Residents: For additional information about your Colorado consumer privacy rights, or to make a consumer privacy request please email firstname.lastname@example.com or call (855) 259-7277.
For Connecticut Residents: For additional information about your Connecticut consumer privacy rights, or to make a consumer privacy request or appeal a previous privacy request please email firstname.lastname@example.com or call (855) 259-7277.
For Nevada Residents: We are providing this notice pursuant to state law. You may be placed on our internal Do Not Call List by calling (855) 259-7277 or by contacting us via the information set forth at the end of this Privacy Policy. For further information concerning Nevada's telephone solicitation law, you may contact: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: (855) 259-7277; email email@example.com.
For Oregon Residents: We will not share your Personal Information or Browsing Information with nonaffiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to indicate that you do not want a disclosure made for marketing purposes. For additional information about your Oregon consumer privacy rights, or to make a consumer privacy request, or appeal a previous privacy request, please email ; email firstname.lastname@example.com or call (855) 259-7277.
For Texas Residents: For additional information about your Texas consumer privacy rights, or to make a consumer privacy request, or appeal a previous privacy request, please email ; email firstname.lastname@example.com or call (855) 259-7277.
For Utah Residents: For additional information about your Utah consumer privacy rights, or to make a consumer privacy request, please email ; email firstname.lastname@example.com or call (855) 259-7277.
For Vermont Residents: We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
For Virginia Residents: For additional information about your Virginia consumer privacy rights, or to make a consumer privacy request or appeal a previous privacy request please email email@example.com or call (855) 259-7277.
"Do Not Track" Signals
Note that your browser settings may allow you to transmit automatically a "Do Not Track" signal to websites and online services you visit. There is no consensus among industry participants as to what "Do Not Track" means in this context. Like many websites and online services, the Company currently does not alter its practices when it receives a "Do Not Track" signal from a visitor's browser.
If you have additional questions or comments or would like to access your Personal Information or opt out of certain sharing, please let us know by sending your comments or requests to:
Commissions, Inc.
300 Galleria Pkwy SE, Suite 1500, Atlanta, GA 30339
Phone: (855) 259-7277
Copyright © 2024. Commissions, Inc. All Rights Reserved.
Effective as of: August 4, 2017


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Efforts to save the nation from going over a year-end "fiscal cliff" were in disarray as lawmakers fled the Capitol for their Christmas break. "God only knows" how a deal can be reached now, House Speaker John Boehner declared.
President Barack Obama, on his way out of town himself, insisted a bargain could still be struck before Dec. 31. "Call me a hopeless optimist," he said.
A look at why it's so hard for Republicans and Democrats to compromise on urgent matters of taxes and spending, and what happens if they fail to meet their deadline:
Partly by fate, partly by design, some scary fiscal forces come together at the start of 2013 unless Congress and Obama act to stop them. They include:
— Some $536 billion in tax increases, touching nearly all Americans, because various federal tax cuts and breaks expire at year's end.
— About $110 billion in spending cuts divided equally between the military and most other federal departments. That's about 8 percent of their annual budgets, 9 percent for the Pentagon.
Hitting the national economy with that double whammy of tax increases and spending cuts is what's called going over the "fiscal cliff." If allowed to unfold over 2013, it would lead to recession, a big jump in unemployment and financial market turmoil, economists predict.
If New Year's Day arrives without a deal, the nation shouldn't plunge onto the shoals of recession immediately. There still might be time to engineer a soft landing.
So long as lawmakers and the president appear to be working toward agreement, the tax hikes and spending cuts could mostly be held at bay for a few weeks. Then they could be repealed retroactively once a deal was reached.
The big wild card is the stock market and the nation's financial confidence: Would traders start to panic if Washington appeared unable to reach accord? Would worried consumers and businesses sharply reduce their spending? In what could be a preview, stock prices around the world dropped Friday after House Republican leaders' plan for addressing the fiscal cliff collapsed.
Federal Reserve Chairman Ben Bernanke has warned lawmakers that the economy is already suffering from the uncertainty and they shouldn't risk making it worse by blowing past their deadline.
If negotiations between Obama and Congress collapse completely, 2013 looks like a rocky year.
Taxes would jump $2,400 on average for families with incomes of $50,000 to $75,000, according to a study by the non-partisan Tax Policy Center. Because consumers would get less of their paychecks to spend, businesses and jobs would suffer.
At the same time, Americans would feel cuts in government services; some federal workers would be furloughed or laid off, and companies would lose government business. The nation would lose up to 3.4 million jobs, the Congressional Budget Office predicts.
"The consequences of that would be felt by everybody," Bernanke says.
Much of the disagreement surrounds the George W. Bush-era income tax cuts, and whether those rates should be allowed to rise for the nation's wealthiest taxpayers. Both political parties say they want to protect the middle-class from tax increases.
Several tax breaks begun in 2009 to stimulate the economy by aiding low- and middle-income families are also set to expire Jan. 1. The alternative minimum tax would expand to catch 28 million more taxpayers, with an average increase of $3,700 a year. Taxes on investments would rise, too. More deaths would be covered by the federal estate tax, and the rate climbs from 35 percent to 55 percent. Some corporate tax breaks would end.
The temporary Social Security payroll tax cut also is due to expire. That tax break for most Americans seems likely to end even if a fiscal cliff deal is reached, now that Obama has backed down from his call to prolong it as an economic stimulus.
If the nation goes over the fiscal cliff, budget cuts of 8 percent or 9 percent would hit most of the federal government, touching all sorts of things from agriculture to law enforcement and the military to weather forecasting. A few areas, such as Social Security benefits, Veterans Affairs and some programs for the poor, are exempt.
All sorts of stuff could get wrapped up in the fiscal cliff deal-making. A sampling:
— Some 2 million jobless Americans may lose their federal unemployment aid. Obama wants to continue the benefits extension as part of the deal; Republicans say it's too costly.
— Social Security recipients might see their checks grow more slowly. As part of a possible deal, Obama and Republican leaders want to change the way cost-of-living adjustments are calculated, which would mean smaller checks over the years for retirees who get Social Security, veterans' benefits or government pensions.
— The price of milk could double. If Congress doesn't provide a fix for expiring dairy price supports before Jan. 1, milk-drinking families could feel the pinch. One scenario is to attach a farm bill extension to the fiscal cliff legislation — if a compromise is reached in time.
— Millions of taxpayers who want to file their 2012 returns before mid-March will be held up while they wait to see if Congress comes through with a deal to stop the alternative minimum tax from hitting more people.
In theory, Congress and Obama could just say no to the fiscal cliff, by extending all the tax cuts and overturning the automatic spending reductions in current law. But both Republicans and Democrats agree it's time to take steps to put the nation on a path away from a future of crippling debt.
Indeed, the automatic spending cuts set for January were created as a last-ditch effort to force Congress to deal with the debt problem.
If Washington bypassed the fiscal cliff, the next crisis would be just around the corner, in late February or early March, when the government reaches a $16.4 trillion ceiling on the amount of money it can borrow.
Boehner says Republicans won't go along with raising the limit on government borrowing unless the increase is matched by spending cuts to help attack the long-term debt problem. Failing to raise the debt ceiling could lead to a first-ever U.S. default that would roil the financial markets and shake worldwide confidence in the United States.
To avoid that scenario, Obama and Boehner are trying to wrap a debt limit agreement into the fiscal cliff negotiations.
They're at loggerheads over some big questions.
Obama says any deal must include higher taxes for the wealthiest Americans. Many House Republicans oppose raising anyone's tax rates. Boehner tried to get the House to vote for higher taxes only on incomes above $1 million but dropped the effort when it became clear he didn't have the votes.
Republicans also insist on deeper spending cuts than Democrats want to make. And they want to bring the nation's long-term debt under control by significantly curtailing the growth of Medicare, Medicaid and Social Security — changes that many Democrats oppose.
Obama, meanwhile, wants more temporary economic "stimulus" spending to help speed up a sluggish recovery. Republicans say the nation can't afford it.
With a yearend deadline looming before the economy goes over the so-called fiscal cliff, President Barack Obama is cutting short his traditional Christmas holiday in Hawaii, planning to leave for Washington on Wednesday evening.
Obama was expected to arrive in Washington early Thursday, the White House said late Tuesday. First lady Michelle Obama and the couple's two daughters are scheduled to remain in Hawaii until Jan. 6.
In the past, the president's end-of-the-year holiday in his native state had stretched into the new year. The first family left Washington last Friday night.
Congress was expected to return to Washington on Thursday. Before he departed for Hawaii, Obama told reporters he expected to be back in the capital this week.
Without action by Obama and Congress, automatic budget cuts and tax increases are set to begin in January, which many economists say could send the country back into recession. So far, the president and congressional Republicans have been unable to reach agreement on any alternatives.
Lawmakers have expressed little but pessimism for the prospect of an agreement coming before Jan. 1. On Sunday, Sen. Kay Bailey Hutchison, R-Texas, said she expects any action in the waning days of the year to be "a patch because in four days we can't solve everything."
With the collapse last week of House Speaker John Boehner's plan to allow tax rates to rise on million-dollar-plus incomes, lawmakers were increasingly worried that no deal can be reached.
They were already preparing their arguments about who is to blame if the new year comes without an agreement.
Obama already has scaled back his ambitions for a sweeping budget bargain. Before leaving the capital on Friday, he called for a limited measure that extends George W. Bush-era tax cuts for most people and staves off federal spending cuts.
The Obamas were spending the holiday at a rented home near Honolulu. On Christmas Day, the president and first lady visited with members of the military to express thanks for their service.
"One of my favorite things is always coming to base on Christmas Day just to meet you and say 'thank you,'" the president said at Marine Corps Base Hawaii's Anderson Hall. He said that being commander in chief was his greatest honor as president.
Obama took photos with individual service members and their families.
On Christmas Eve, Obama called members of the military to thank them for serving the nation, then joined his family for dinner, the White House said. The Obamas opened gifts Christmas morning, ate breakfast and sang carols.
Friends were joining the Obamas for Christmas dinner Tuesday night, the White House said.
Reach Matthew Daly on Twitter: httpss://twitter.com/MatthewDalyWDC
Copyright 2012 The Associated Press


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Shea Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You'll enjoy being on the water even more when you aren't worried about your safety, the safety of your passengers, or your investment.
Do you know what to look for in a Washington watercraft insurance policy? Shea Insurance can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.
Here are some items you'll need to consider when shopping for Washington boat insurance.
Know where you are covered in the water. Some insurance companies offer protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, coverage for additional areas can be purchased.
Watercrafts depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.
Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.
Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.
Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.
Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat's owner, you are required by law to have this cleaned up, which can be time consuming and expensive.
Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what's required in Washington. Personal effects coverage does not include jewelry, watches or furs.
This pays to repair or replace equipment that isn't permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
Every need is unique – contact us today to find out how to get the best boat insurance coverage for you.


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Roofs provide two very important functions for your home and business. First, they protect us and our belongings from the harsh effects of weather. Certainly, roofs shelter us from rain, wind, snow, and all types of weather, but they also provide important structural support to a building or home. In addition, repairs and replacements often come at considerable expense. Depending on the type of roof, the season you require replacement or repairs, and many other factors, estimates will vary. So what factors influence your roof repair estimate?
Roof Type
There are many different types of roof, even if we only consider residential roofs. From flat roofs and shed roofs to gabled roofs, mansard roofs, and hipped roofs there are a wide variety of types. Your type may also be constructed of a wide range of materials including asphalt shingle, metal, or tile. Depending on the type of roof and the materials involved, the cost of a roofing repair can vary widely from $1 per square foot to more than $10 per square foot.
Local Regulations
As with any construction or renovation job, local authorities will require permits. As such, where you live can even have an impact on the cost of your repair or replacement. Permits are sometimes based on a flat rate in your region, or may be contingent on the size or value of your home.
Obviously a minor repair is going to cost considerably less than a replacement. In fact, the size of repair and the size of your roof are among the biggest factors that influence your repair estimate. Roofing contractors will generally quote repairs and replacement based on square footage, so a smaller roof's repairs will cost less than a larger roof's repairs.
Extent of Damage
Another factor that will influence the estimate for your roofing repair is the extent of damage. A minor leak that is limited to one area of your roof is easier and less costly to fix. Similarly, if there is minor damage around roofing fixtures that can be easily repaired, your roofing estimate will be more conservative. If however you have extensive water damage, the structure of your roof may be compromised. Your roofer may not be able to simply patch the leak and leave it at that. Instead, major construction may be required as water damage may have affected a larger area than you realize. In order to protect your home, family, and belongings, all water damaged material must be removed and replaced.
Roofing Fixtures
Generally speaking, more fixtures on your roof are associated with higher repair costs. Chimneys, skylights, and other fixtures will complicate a repair, especially if these fixtures themselves need replacement or repair.
As you can easily see, there are many factors that will influence the cost of roofing repair or replacement. That being said, estimates will not only vary depending on the features of your roof; in fact, estimates will vary depending on the roofer as well. As such, it is best to consult with a number of roofing professionals to get a number of estimates so you can choose the best roofer at the best price.