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JBG Privacy Policy 2012
Journal Broadcast Group, Inc. Privacy Policy
This Privacy Policy does not govern the DoApps Local Mobile News application used for the submission of user generated content via mobile devices. Please see DoApp's privacy policy.
Last Updated and Effective Date: June 10, 2012
We have updated and streamlined our Privacy Policy in order to make is easier for our visitors and users (collectively, "Users," "you," and "your") to read and understand our privacy practices and principles. Although we have added several new features and activities, and are using new technology to distribute and monitor our content, we have not changed your opt-out or opt-in choices for previous features and activities.Click here for an overview of our changes to the Privacy Policy. Our previous Privacy Policy is availablehere.
Please read this Privacy Policy carefully before you submit any Personal Information. By visiting or using our Services, you accept the practices described in this Privacy Policy. You are also governed by our Terms of Use Agreement ("TOU"). Any capitalized terms not defined in this Privacy Policy will have the same meaning as defined in the TOU.
Table of contents
- What are "Your California Privacy Rights"?
- What types of information do we collect and use?
- Do we collect Personal Information from or about children?
- Do we disclose your Personal Information to third parties?
- How do we tailor and personalize content and advertising on our Services?
- What other choices do you have regarding the collection, use and sharing of your Personal Information?
- What do you need to know about links to other websites operated by third parties?
- How can you access, update, correct or delete your Personal Information?
- What security measures do we take to safeguard your Personal Information?
- How will you know if we make changes to this Privacy Policy?
- How can you contact us?
This is the official Privacy Policy for Journal Broadcast Group, Inc. ("JBG", "us", "our", or "we"), the owner and licensee of radio and television stations ("Services") across the country, and the owner, operator, or provider of the various Services that have an authorized link to this Privacy Policy. (Complete listing of Services here.) JBG is a subsidiary of Journal Communications, Inc. ("JCI"). This Privacy Policy governs our collection of personally identifiable information ("Personal Information") both online and offline.
We respect your privacy and this Privacy Policy is designed to answer your questions regarding our online and offline information practices and the choices you can make about the way your Personal Information is collected, used and disclosed. This Privacy Policy is incorporated in our Sites' TOU by reference.
Our Services are designed and targeted to U.S. audiences and are governed by and operated in accordance with the laws of the U.S. If you are not a U.S. citizen or do not reside in the U.S., you voluntarily consent to the collection, transfer, use and disclosure of your Personal Information to the U.S. You also agree to waive any claims that may arise under your own national laws.
1. What are your California Privacy Rights?
If you reside in California and you have an established business relationship with us, you have the right to receive information about our online opt-out and out-in policies of sharing your Personal Information with other companies owned by JCI (collectively, "JCI Affiliates") and with non-affiliated third parties, including sponsors, promotional partners and advertisers (collectively, "Advertisers") for marketing or advertising purposes. If you wish to learn about our opt-out and opt-in policies, please send your written request to us via email or postal mail following the instructions below. We will not accept requests via the telephone or facsimile.
- We may not be able to respond to requests that are not labeled or sent properly, or do not have complete information.
- For all requests, include your full name, street address, city, state and zip code.
- In your email request, you must state "Re: Your California Privacy Rights" in the subject line and send your email to [email protected].
- In a postal request, you must send a letter or post card to:
Journal Broadcast Group, Inc.
600 Industrial Drive
Milwaukee, Wisconsin 54981
Attention: Privacy Administrator/Your California Privacy Rights
Non-affiliated third parties are independent from JBG and JCI and if you wish to receive information about your disclosure choices or stop communications from third parties, you will need to contact those non-affiliated third parties directly.
2. What types of information do we collect and use?
We collect both Personal Information and Non-Personal Information. We collect a variety of Personal Information voluntarily submitted by you via our Services, email, telephone, instant messaging, facsimile, postal mail, texts, mobile applications ("Apps"), or via third party websites such as Facebook, Twitter or other social networking platforms, or in-person. We may also collect Personal Information about other people when you participate in certain programs and features or when you submit news stories or nominations for community awards or recognition that involve other people.
Personal Information and Non-Personal Information definitions:
Generally, Personal Information is information that can be used to identify or contact a specific inpidual, such as your name, postal address, email address and telephone number, or data that can be reasonably linked to a specific consumer, computer or other device. Non-Personal Information is information that may not directly identify or enable contact of a specific inpidual, such as an Internet Protocol ("IP") address or mobile device unique identifier, particularly if that data is de-identified (meaning it becomes anonymous). Aggregated information is also classified as Non-Personal Information because an inpidual person cannot be identified. However, Non-Personal Information linked to or associated with Personal Information will also be classified as Personal Information.]
Click here for the specific types of Personal Information we may collect.
Specific types of Personal Information we may collect:
Depending on your relationship with us and the feature, activity or transaction you are engaged in, we may collect your full name, postal address, email address, telephone number (wireline or mobile), text/tweet ID, facsimile number, date of birth, gender, occupation, household income, purchasing preferences, personal interest activities, , precise geographic location, and username and password for the Services, search, transaction and purchase history if such information is linked to or associated with other Personal Information, or any other Personal Information that you provide to us. We also collect more sensitive Personal Information such as bank/debit/checking/credit card account information, Social Security Number, driver's license number, passport number, employment history, medical history for conducting your purchase transactions or employment applications, or to verify your identity, eligibility for certain promotions or transactions, and/or IRS reporting requirements. If you log in to our Services using your Facebook User ID or another social networking platform User ID, we will only collect Personal Information that you have authorized Facebook or another social networking platform to share with us or information that you've made public. Under certain circumstances and to the extent required by applicable law, an IP address and a mobile device unique identifier may also be classified as Personal Information.
We also collect information about your computer, browser, mobile device, visits to our Services and other online activities that are used to enhance or customize your experience on our Services or Apps and to improve our Services. Like most standard websites, this information is traditionally collected on our Services automatically via cookies, web beacons and other similar technology and is generally treated as Non-Personal Information, unless we are required to do so otherwise under applicable law. Non-Personal Information may be combined with other Personal Information. You may configure your browser to reject cookies. If you do so, you might not be able to access important functions, features and activities or enjoy certain conveniences or customized and personalized features of our Services. Click here for a description of cookies and web beacons. Technology is improving every day and to improve our Services' operation and function we may introduce new technologies and monitoring techniques without advance notice or consent from you.
Description of cookies and web beacons:
Cookies are a small text file consisting of a combination of alphanumeric identifiers that we transfer to your computer's hard drive or mobile device through your web browser that allows us to identify your computer or saved preferences. Cookies can store a variety of information, including IP addresses, navigational data, server information, data transfer times, user preferences, shopping cart information and passwords needed to access our Services, certain features and activities. We use IP addresses for the following reasons:
- To administer our Services and identify server problems.
- To compile aggregated statistics for marketing and research purposes, and IP address' geographic location.
- To collect Non-Personal Information such as user navigational data (including log files and click-stream data) that identifies information about your web browser and operating system, and the date and time in which you visit our Services, select webpages or areas of our Services in order to improve our Services' content, operations, and user experience. This information is usually collected anonymously – it does not identify a specific inpidual, unless it is combined with Personal Information in your account for administrative or legal purposes.
Web beacons (also called clear Graphics Interchange Format ("GIFS") or web bugs) are a common file format for graphic images in an email and on a webpage. Web beacons can report user behavior, such as opening an email or ad, and often work with cookies. We use web beacons to gather Non-Personal Information such as the number of Users who visit our Services, webpages and areas in which they spend their time visiting, and how Users view and use our content, features and activities.
We use Personal Information in various ways, click here for an overview. We also use your Personal Information and/or other information such as an IP address or mobile device unique identifier to deliver customized or personalized content and advertising communications to you. We may also use your Personal Information and Non-Personal Information to send special product offers, sales, promotions, or other information about us, our JCI Affiliates or our Advertisers, if you have provided your consent. Click here for more information about customized or personalized content and advertising.
We use your Personal Information to provide, complete and/or fulfill the following on our Services, Facebook fan pages or other social network platforms, and/or other digital technology not yet known or developed:
- Participate in sweepstakes, contests, games, promotional offers on our Services.
- Participate in surveys and questionnaires.
- Subscribe to online and mobile/electronic publications, and other services or features (such as news, election coverage, weather, sports and/or traffic alerts).
- Receive advertising, marketing and promotional information about upcoming events, products and services from JBG, its Advertisers and JCI Affiliates.
- Register for newsletters, other publications, AdMail or other email advertising services, daily discount coupon service, and loyalty clubs.
- Download JBG or JCI content such as music, audio and video content, and podcasts.
- Purchase products or services through our shopping service or App platforms.
- Communicate via email, postal mail, instant messaging, telephone, texts, facsimiles, or via Facebook, Twitter or other social network platforms.
- Participate in interactive public and community forums or blogs.
- Submit comments and viewpoints that will be made public via our or JCI Affiliate Services, newspapers, publications, Apps, texts, tweets, radio and television broadcasts, any other digital technology, or technology not yet known or developed.
- Submit user generated content such as videos, audio files, photographs, and other third party content.
- Apply for employment.
- Purchase, transfer or sell stock in JBG or JCI Affiliates.
We may also combine your Personal Information with additional Personal Information obtained from our Facebook fan pages or other social network platforms, JCI Affiliates, our Operational Service Providers (third party owned companies that provide or perform services on our behalf, to help serve you better and to perform functions in order to support our businesses and operations), or other companies, such as credit bureaus, background check firms, marketing research companies, and Advertisers.
Here a few additional services, features and activities that collect and use your information:
News Registry
Select Stations participate in the News Registry, a content analytics service operated by NewsRight, LLC ("NewsRight") based in the United States. The News Registry collects content usage information and may use cookies and/or clear GIF image tags (also called web beacons) in conjunction with this activity. Your continued readership or use of our Sites means you also accept the privacy policy of the NewsRight News Registry. Please refer to the NewsRight News Registry privacy policy athttp://www.newsregistry.com/privacycenter/servicepolicy.aspx for further information.
We use the News Registry to learn more about how our news and editorial content (such as articles, blogs, photos, graphics, video or audio files regarding any subject matter) is used and consumed. The primary purpose of the News Registry is to monitor a User's use of news and editorial content from its initial publication on a Sites' webpage (whether accessed via a computer or mobile device), to when news and editorial content is reposted on other websites or online services (such as on Facebook, Twitter or other social networking platforms, blogs, texts, or web-based email systems) or other forms of digital communications. This information will help us understand how best to improve our news and editorial product, distribution of that product, and/or our Sites' functions. We also monitor the various uses of content on our Sites so that we can exercise and/or enforce our copyright, trademark, contract, or any other rights in or related to such content. Click here for more information about the type of Non-Personal Information the News Registry collects from Users and how it is used. Please refer to the NewsRight News Registry privacy policy for your opt-out choices.
How does the NewsRight News Registry work?: The News Registry collects, and uses the following Non-Personal Information for its analytics service:
1) for news and editorial content that is "clicked-to" or posted from another website or source, we collect the identification of the referring URL of that traffic; and 2) log information to help identify how, where and when news and editorial content is accessed or viewed. Each time you request a webpage that includes news and editorial content monitored by the News Registry, the News Registry's server records information that your browser sends to it, including the identifier of any cookie that the Registry has previously set on your browser (if you have one), the URL of the page where you accessed the content, your IP address (which the Registry uses to infer your general geographic location), your browser and operating system types, and the date and time that the content was accessed). The News Registry may also enhance or combine information collected about news and editorial content consumption with other analytical sources and data, such as domain name ownership background information, the author, owner, licensor or licensee of the news and editorial content, News Registry data collected from JCI Affiliates, and predictions about a User's age, gender, or other demographics. We may also disclose aggregated News Registry data to JCI Affiliates.
JBG Interactive Network
JBG Stations will provide interactive features and activities, in addition to online subscriptions. You may be required to either register with central JBG service, with a JBG Station or use your Facebook log-in in order to participate in our interactive areas, such as blogs, chat rooms and bulletin boards. As a member of the JBG Interactive Network, you may also sign-up for email newsletters or other publications on various topics and be eligible for member-only contests and sweepstakes, activities, and email advertising offers and daily discount coupon services. MORE
More Information about JBG's Interactive Features & Activities:
For the Service's interactive areas, we can connect your postings with your IP address and account or Facebook User ID in the event we believe that you are in violation of our TOU, other laws or may be subject to a civil or criminal inquiry or investigation. We will disclose that information to law enforcement, other governmental entities, or other entities at our discretion.
User Generated Content (UGC)
Users of our Services may submit comments, viewpoints, news tips, story suggestions, audio, video, photographs, animation and other content for various features and activities on the Services or offline as a resource for our newspapers and entertainment publications. You understand, acknowledge and agree that such content and any Personal Information connected with such content is considered public information and will be disclosed at our discretion. Depending on the nature of the UGC, you may be required to complete a registration process. Our Station personnel, at their discretion, may contact a User for additional information related to the User and/or the User's content.
Mobile Apps, Smart Phones and other Mobile Devices
You may subscribe to commercial marketing and advertising opportunities, alerts for news, sports, traffic, election coverage, and/or weather, and participate in contests/sweepstakes and other content or features delivered via mobile devices, Apps for your iPhone or other smart phone platforms, the iPad and other tablets, and electronic readers, such as Kindle and Nook.
Contests, Sweepstakes and Promotions
We conduct various contests, sweepstakes and promotions in our Services and at remote locations. Each event may have different registration requirements. You may need to submit your date of birth and other Personal Information to meet certain eligibility requirements. Persons that falsify their contest/sweepstakes entry for any reason will immediately forfeit any prize, benefit or compensation. MORE
More information about our contests, sweepstakes and promotions:
Winners for contests and sweepstakes may need to show a government-issued photo identification to verify identity and eligibility prior to receiving the prize. If you win a prize valued at $600 or more, or have won prizes that are valued at $600 or more in the aggregate in a calendar year, you must also provide your Social Security Number, a postal address and complete the required IRS Form W-9 for federal tax reporting.
3. Do we collect Personal Information from or about children?
We are committed to protecting children's privacy on the Internet and we comply fully with the Children's Online Privacy Protection Act ("COPPA"). We do not knowingly target or collect online Personal Information directly from children under the age of 13 unless we are required to do so by law or to protect the safety of our Users. We are required by federal law to place all correspondence from the public related to a Station's operations or programming in the Station's FCC Public Inspection File, which may also be posted electronically on our Sites. If we know that email or other correspondence is from a child, we cannot delete the correspondence but we reserve the discretion to remove any Personal Information that could be used to contact the child from the correspondence before placing it in the Station's FCC Public Inspection File. However, if we discover that a child under the age of 13 has provided Personal Information to us that does not qualify for any regulatory, legal, or security/safety exemption as described in this Privacy Policy, or we are contacted by a verifiable parent (or legal guardian) about his or her child's participation on our Services, we will delete the Personal Information about the child from our active records and from our systems to the extent technically feasible. MORE
More information about our children's privacy policies:
On occasion, our Sites may enable parents to submit information about their child to participate in programs or features, such as a weather kids program and contests. In such instances, we only request the types of Personal Information necessary to participate in the program, which may include, but are not limited to, the parent's name and email address, child's name, age/date of birth, city, and a photograph or video of the child. This information would be used only for the specific program or feature. A parent may request access to this information and request that we delete such information. For details, please see Section 8, "How can you access, update or delete your Personal Information."
4. Do we disclose your Personal Information to third parties?
Your Personal Information will only be disclosed to third parties as listed in this Privacy Policy, if we have received your consent at the time we collect your Personal Information or prior to the disclosure. In addition to completing or fulfilling your transaction or request, we will also disclose your Personal Information under the following limited circumstances:
- To JCI Affiliates for business, operational, promotional and marketing purposes.
- To co-sponsors or promotional partners if you participate in a co-branded or co-sponsored promotion/contest.
- To our Operational Service Providers, who are prohibited from using your Personal Information for any purpose not authorized by us or required by law.
- To protect the security of our Services and databases; to protect our Users, JBG and JCI Affiliates, Advertisers, and Operational Service Providers against liability and harm; to implement and enforce our TOU and DMCA Copyright Policy; to respond to subpoenas, judicial processes, or government requests and investigations; to act in response to an emergency that threatens life, health or security of an inpidual; to assist in the investigation of a violation of law or non-compliance with our TOU; or if we believe in good faith that the law requires or authorizes such disclosure.
- In connection with any proposed or actual purchase, sale, lease, merger, assignment, re-organization or financing of all or any portion of JBG, JCI or any of the business, assets or shares of JCI Affiliates.
We reserve the right to fully use, disclose and process any Non-Personal Information collected from you in any manner.
5. How do we tailor and personalize content and advertising on our Services?
Advertising supports the free content, services, features and activities we provide on our Services. We and our Operational Service Providers use cookies, web beacons and other similar technology to enrich your experience on our Services by serving relevant, tailored and personalized advertising and/or content from JBG or JCI to you. Such advertising and content is based on information you provide to us; your use of our content, features and activities; your visits, search, transaction and/or purchase history; visits to our Facebook fan page and/or predictions made about you based on all of these elements. (Click here for information about cookies and web beacons.)
- Contextual Advertising: For example, we may serve you an advertisement for the annual Auto Show based on a used car dealer ad you just viewed or a search about used cars on one of our Services; this type of relevant advertising based on particular content or search query is called "Contextual Advertising" because it is based on the context of how you use our Services. We do not collect any other information about you for Contextual Advertising.
- First Party Advertising: Advertising that is tailored or personalized based on a history of your use of content and participation in features and activities on our Services (possibly combined with information from our Facebook fan page or other social network platforms) over time is called "First Party Advertising" because it is based solely on a combination of information we collect from you – not from your visits to other websites or from third parties. We may share such information anonymously with our Advertisers in order to measure the effectiveness of ads on our Services, such as how many Users opened or acted on a particular ad, but this information may be shared with JCI but not with other non-JCI Affiliates.
- Network Advertising: Information about your use of our Services combined with similar information about your overall Internet usage across different third party websites or online services used to serve tailored and personalized advertising is generally called "Network Advertising." Multiple third party websites and online services are involved in this tailored or personalized advertising process, in essence a "network" of advertising providers. Such information about you could include information about your browser, computer, and/or mobile device and general information about your demographics (whether you have provided such information voluntarily or such information is estimated based on your usage history and interests), such as your gender, age, lifestyle, education, home ownership, geographic location, etc. Click here for more information about how to identify a Network Advertising ad.
More information on how we use Network Advertising to deliver tailored and personalized advertising to you:
For advertising that is part of a Network Advertising service, you should see a small symbol (also called an icon) attached to a banner ad or other targeted advertising on our Services that can be clicked open for information about why and how you are receiving a particular ad. This icon is part of the Digital Advertising Alliance's Self-Regulatory Program for Online Behavioral Advertising. For more information see www.aboutads.info.
We expect our Operational Service Providers, their service providers and any Advertiser that collects and uses your website usage information for the delivery of Network Advertising on our Services to comply with the industry Self-Regulatory Program for Online Behavioral Advertising and provide you with a clear and prominent notice and explanation how your Personal Information and/or Non-Personal Information are used to deliver tailored and personalized advertising. We also expect such entities to abide by the industry's Self-Regulatory Principles for Multi-Site Data that limits the collection and restricts the use of Personal Information for determining eligibility for employment, credit, health care and insurance. Click here for more information. [Link to http://www.aboutads.info/msdprinciples]
Our Network Advertising Operational Service Providers, such as Yahoo! display ads on our Services and use cookies and web beacons to help us display tailored and personalized content and advertising based on assumptions about your demographics (such as gender, age, lifestyle, and location) and your history of Site visits, searches and/or purchases.
You may opt-out of receiving customized or personalized Network Advertising or our own First Party Advertising on our Services using the links below. However, you will continue to receive advertising and promotional messages after you opt-out, but it will not be tailored, personalized, or relevant to you based on your use of our Services and/or third party websites. You may not opt out of Contextual Advertising.
If you wish to opt-out of receiving customized content and ads from Yahoo! based on your personal preferences or website usage habits, please click here.
If you wish to opt-out of receiving customized content and ads from other Network Advertising providers, please click here.
If you wish to opt-out of receiving First Party Advertising from JBG based your personal preferences or website usage habits on our Services, please click here.
6. What other choices do you have regarding the collection, use and disclosure of your Personal Information?
Depending on the service, feature or activity and the type of technology used, we provide you with a choice how we collect, use and/or disclose your Personal Information. You may either opt-in or opt-out to participating in a service, feature or activity, or our sharing your Personal Information with JCI Affiliates, Advertisers or other third parties for marketing and promotional purposes unless there are certain limitations as stated in this Privacy Policy, TOU, Additional Terms, or Rules for contests/sweepstakes, or a limitation is provided in advance of the collection of your Personal Information. Click here for more information about your choices.
More information about your choices for the collection, use and disclosure of your Personal Information:
Choices for General Advertising and Promotional Messages: With your affirmative consent, your Personal Information will be shared with non-affiliated third parties such as Advertisers for purposes of delivering promotional or direct marketing materials to you or providing particular online services or goods to you. You may withdraw your consent at any time ("opt-out"), unless there are certain restrictions as stated in this Privacy Policy, TOU, Additional Terms, Rules for contests/sweepstakes, or are disclosed in advance. To withdraw your consent please opt-out via the unsubscribe mechanism contained in the advertising email, or contact ourPrivacy Administrator. Non-affiliated third parties are independent from us, and if you wish to stop all communications from third parties, you will need to contact those third parties directly.
Choices for Email and Online Communications: We may send you advertising or marketing communications if we have an established business relationship with you or you have given your affirmative consent. If you do not want to receive email and other online or mobile advertising or marketing communications from us directly regarding special product offers, sales, promotions, or other information about JCI Affiliates or our Advertisers' products and services, you may choose to opt-out of or withdraw your consent to receiving such communications by clicking on the unsubscribe link in certain email communications from us, sending a "STOP" or "END" request via a mobile device, or by notifying our Privacy Administrator.
Choices for AdMail, Email Services, and Daily Discount Coupon Subscription Services: You can subscribe to special email offers from JBG stations on behalf of JBG, JCI Affiliates, and/or select Advertisers), such as a service that provides discount coupon offers for various products and services. You must opt-in to these services by checking a click box as part of your registration on a JBG Station Site, via the service webpage, or App. You may opt-out any such features any time using the unsubscribe mechanism that is contained in each email or by notifying our Privacy Administrator.
Choices for Telephone Marketing: You have a right to opt-out of telemarketing calls by either registering on the federal Do Not Call registry (https://www.donotcall.gov/) or by requesting that you be placed on the JBG-specific Do Not Call list. Please contact our Privacy Administrator. Your opt-out does not apply to calls that are transaction-related, pertain to the administration of your account, or calls made to respond to your request. We will also request your affirmative consent before we knowingly send a telemarketing call to a mobile device.
Choices for Smartphones and Other Mobile Devices, Mobile Communications, and Mobile Apps: You are required to opt-in to the collection, use, and disclosure practices regarding your Personal Information and location-based information by our mobile service, App or feature when either purchasing your device or signing up for a mobile service, App or feature. We will use such information to deliver or customize the feature or service. You also have a right to opt-out of any mobile service or mobile communications, such as text messages and tweets, in the same manner in which you registered or by notifying our Privacy Administrator.
Choices for Commercial Faxes: If you receive commercial advertising and promotional material via facsimile, you have a right to opt-out by following the instructions on the first page of the fax or contact our Privacy Administrator. Your opt-out may not apply to material that is primarily informational or transactional; such faxes do not require your consent.
7. What do you need to know about links to other websites operated by third parties?
Our Services and Facebook fan pages (or other social networking platforms) contain a variety of content and functionality and may provide links to other third party websites, including JCI Affiliate and Advertiser websites. Despite such links or any references to JBG on those websites, this Privacy Policy applies only to JBG and its Stations and Services. The presence of a link to a JCI Affiliate or a third party website on JBG Services do not constitute or imply our endorsement, recommendation, or sponsorship of the content, goods, services, business or privacy policies on such websites. We encourage you to be aware and informed when you leave our Services and Facebook fan pages.
8. How can you access, update or delete your Personal Information?
If you wish to access, update, or correct any Personal Information you have previously provided to us, you may enter your username and password to access your account via the particular Service, or contact our Privacy Administrator. You may also request to remove your Personal Information from our records to the extent technically feasible, electronic or otherwise. However, certain records and Personal Information must be retained for legal, tax or regulatory purposes, and some information is retained via back-up systems/files as a business precaution. Additionally, our network system or platform may not allow the deletion of all Personal Information. If we are not able to delete all Personal Information, we will remove such data from an active field or folder. MORE
More information on how to access, update or delete your Personal Information:
We will update your Personal Information where appropriate, and we reserve the right to retain Personal Information obtained previously to verify your identity or take other actions that we believe are appropriate. We also reserve the right to deny access to any User account if we believe there is a question about your identity. And if the burden or expense of providing access to your Personal Information is disproportionate to the risks to your privacy, or if the legitimate rights of others would be violated, we may decide not to provide access to such information. In such cases, we will provide to you an explanation of why access cannot be provided and a contact person for further inquiries.
9. What security measures do we take to safeguard your Personal Information?
The security and confidentiality of your Personal Information is very important to us. We implement and maintain reasonable physical, technical and administrative procedures to protect your Personal Information from unauthorized collection, use, disclosure, and disposal. Despite our best efforts, no security measures are impenetrable, and transmissions over the Internet are not 100% secure or error-free.
If you contact us, we may ask for your name, email address and/or telephone number to verify your identity. We will not send an email or text, nor should you respond to any email or text communications asking for any sensitive or confidential Personal Information, such as social security number, bank account or credit card account number, or a driver's license number. If you receive an email or text requesting any such information from us or someone that claims they are with JBG or JCI, please contact our Privacy Administrator immediately. MORE
More information about our security practices:
It is also your responsibility to safeguard any username or password that you may have received in connection with our Services, and to notify us if you ever suspect that the security and confidentiality of your username or password and associated account has been compromised in any way. You are solely responsible for any use of our Services via your username and password.
10. How will you know if we make changes to this Privacy Policy?
We often update and develop new services, features, activities and content from time to time and will need to change our Privacy Policy accordingly. We will provide notice via postings on our Services, and if such changes are material, we will send you a notice via email or text (if you have consented to receive texts), and we will obtain your consent where required by applicable law. We will also post the date(s) when the Privacy Policy was last updated and effective. Your continued use of our Services constitutes your acceptance of any changes in our Privacy Policy, except where further steps are required by applicable law.
11. How can you contact us?
Please feel free to contact our Privacy Administrator with any comments, questions, or suggestions you may have regarding the privacy practices described in this Privacy Policy at [email protected]. Also contact our Privacy Administrator to report any known or suspected privacy or security breaches. You may also contact us at:
Journal Broadcast Group, Inc.
720 E Capitol Drive
Milwaukee, Wisconsin 53212
Attention: Privacy Administrator
© Copyright 2012, Journal Broadcast Group, Inc. – All Rights Reserved.


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Note: Not dishwasher-safe! Hand wash only.
We are a 3D printing company. Please contact us if you have graphic design, specialized size requirements, or other needs!
This was 3D printed at our location in the USA.
Purchase direct from the manufacturer!
Free shipping on all orders of $50.00 or more!
Eggs, baking goods, and baking utensils pictured are not included.
Shipping and Tracking
All of our items have a one to three business day processing time. Normal Business hours are Monday - Friday 8:30 AM to 4:30 PM CST.
Orders will be sent via USPS. A tracking number will be provided. If you receive an item that has been damaged or is missing contents, or your item does not arrive, please contact us so we can notify the carrier to open a claim. Please keep all packaging, including packing materials, contents, invoices, and packing slips, as you may need these for the claims process.
We are confident you will be satisfied with your purchase. However, you may return your item for a refund or exchange within 30 days of shipping date. Shipping and handling charges are non-refundable, and the product must be returned complete and in sellable condition to qualify for a refund. Refund amount will include full purchase price of product and all collected taxes.
Customers are responsible for shipping charges and risk of loss on all return shipments. All returns should be shipped by a reputable shipper and be properly packaged and fully insured. Products returned after 30 days purchase date are subject to a 20% restocking fee. Sorry, but no returns are accepted after 60 days.
Feedback and Reviews
We love and appreciate your reviews and feedback. Once receiving your item, please leave us a review! If you have any questions or concerns, please contact us directly so we may work with you directly to answer your questions. Thank you for your business! - Y.N.G. LLC


text:
Apache HTTP Server Version 2.4
This document describes the files used to configure Apache HTTP Server.
Related Modules | Related Directives |
Apache HTTP Server is configured by placing directives in plain text
configuration files. The main configuration file is usually called
. The location of this file is set at
compile-time, but may be overridden with the -f
command line flag. In addition, other configuration files may be
added using the Include
directive, and wildcards can be used to include many configuration
files. Any directive may be placed in any of these configuration
files. Changes to the main configuration files are only
recognized by httpd when it is started or restarted.
The server also reads a file containing mime document types;
the filename is set by the TypesConfig
and is mime.types
by default.
httpd configuration files contain one directive per line. The backslash "\" may be used as the last character on a line to indicate that the directive continues onto the next line. There must be no other characters or white space between the backslash and the end of the line.
Arguments to directives are separated by whitespace. If an argument contains spaces, you must enclose that argument in quotes.
Directives in the configuration files are case-insensitive, but arguments to directives are often case sensitive. Lines that begin with the hash character "#" are considered comments, and are ignored. Comments may not be included on the same line as a configuration directive. White space occurring before a directive is ignored, so you may indent directives for clarity. Blank lines are also ignored.
The values of variables defined with the Define
of or shell environment variables can
be used in configuration file lines using the syntax ${VAR}
If "VAR" is the name of a valid variable, the value of that variable is
substituted into that spot in the configuration file line, and processing
continues as if that text were found directly in the configuration file.
Variables defined with Define
precedence over shell environment variables.
If the "VAR" variable is not found, the characters ${VAR}
are left unchanged, and a warning is logged.
Variable names may not contain colon ":" characters, to avoid clashes with
's syntax.
Only shell environment variables defined before the server is started
can be used in expansions. Environment variables defined in the
configuration file itself, for example with SetEnv
, take effect too late to be used for
expansions in the configuration file.
The maximum length of a line in normal configuration files, after variable substitution and joining any continued lines, is approximately 16 MiB. In .htaccess files, the maximum length is 8190 characters.
You can check your configuration files for syntax errors
without starting the server by using apache2ctl
or the -t
command line
You can use mod_info
's -DDUMP_CONFIG
dump the configuration with all included files and environment
variables resolved and all comments and non-matching
removed. However, the output does not reflect the merging or overriding
that may happen for repeated directives.
Related Modules | Related Directives |
httpd is a modular server. This implies that only the most
basic functionality is included in the core server. Extended
features are available through modules which can be loaded
into httpd. By default, a base set of modules is
included in the server at compile-time. If the server is
compiled to use dynamically loaded
modules, then modules can be compiled separately and added at
any time using the LoadModule
Otherwise, httpd must be recompiled to add or remove modules.
Configuration directives may be included conditional on a
presence of a particular module by enclosing them in an <IfModule>
block. However,
blocks are not
required, and in some cases may mask the fact that you're missing an
important module.
To see which modules are currently compiled into the server,
you can use the -l
command line option. You can also
see what modules are loaded dynamically using the -M
command line option.
Related Modules | Related Directives |
Directives placed in the main configuration files apply to
the entire server. If you wish to change the configuration for
only a part of the server, you can scope your directives by
placing them in <Directory>
, <DirectoryMatch>
, <Files>
, <FilesMatch>
, <Location>
, and <LocationMatch>
sections. These sections limit the application of the
directives which they enclose to particular filesystem
locations or URLs. They can also be nested, allowing for very
fine grained configuration.
httpd has the capability to serve many different websites
simultaneously. This is called Virtual
Hosting. Directives can also be scoped by placing them
inside <VirtualHost>
sections, so that they will only apply to requests for a
particular website.
Although most directives can be placed in any of these sections, some directives do not make sense in some contexts. For example, directives controlling process creation can only be placed in the main server context. To find which directives can be placed in which sections, check the Context of the directive. For further information, we provide details on How Directory, Location and Files sections work.
Related Modules | Related Directives |
httpd allows for decentralized management of configuration
via special files placed inside the web tree. The special files
are usually called .htaccess
, but any name can be
specified in the AccessFileName
directive. Directives placed in .htaccess
apply to the directory where you place the file, and all
sub-directories. The .htaccess
files follow the
same syntax as the main configuration files. Since
files are read on every request, changes
made in these files take immediate effect.
To find which directives can be placed in
files, check the Context of the
directive. The server administrator further controls what
directives may be placed in .htaccess
files by
configuring the AllowOverride
directive in the main configuration files.
For more information on .htaccess
files, see
the .htaccess tutorial.


text:
Privacy Policy
This privacy policy discloses the privacy practices for (https://www.charterseniorliving.com/). This privacy policy applies solely to information collected by this web site.
Information Collection, Use, and Sharing
We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent this information to anyone. We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. Unless you ask us not to, we may contact you via phone or email in the future to tell you about our products or services, or changes to this privacy policy.
By submitting a contact form on this website, you agree to be contacted by Charter Senior Living to explore senior living and care services at the telephone number you have provided. You agree we may use automated calling technology to contact you by call or text message at the telephone number provided, even if you previously registered on a Do Not Call registry. This consent is not required to obtain information about our senior living and care services.
Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:
• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.
We take precautions to protect your information. When you submit sensitive information via the website, your information is protected online.
Wherever we collect sensitive information (such as credit card data), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page.
Our Privacy Policy may change from time to time and all updates will be posted on this page.


text:
606117-011 Armstrong HD Cast Iron 04" 2P #1 150#
- 606117-011
- Condition:
- New
- Availability:
- This Item Usually Ships The Same Day!
- Shipping:
- Calculated at Checkout
606117-011 Armstrong HD Cast Iron 04" 2P #1 150#
This Item Usually Ships Same Day!
Warranty Information
Warranty: Quoted prices include standard factory warranties. Warranty requires install, start-up and operation as per the manufacturers IOM.
Job Site Assistance: By Others
Start-Up: By Others
Commissioning: By Others: These services, if a project requires start up, they are responsibility of contractor or commissioning agent. Owner training assistance, as outlined in any equipment specifications the responsible of the commissioning agent.
Clarifications & Exclusions
'ALTERNATES' are offered for consideration and will always be subject to the engineer's and owners approval. Excludes any seismic calculations or supports, coatings other than factory standard.
Terms: prices are quoted are "each" (unless stated otherwise) and FOB point of origin with no freight allowed freight ships via common ground carrier, and inside continental US Only - any special shipping requirements to be responsibility of purchaser. We offer all prices less tax, with a validity of 30 days from the date quoted and all sales are final. Once items have shipped and left the warehouse National Pump Supply is not responsible for any damage caused during the shipping process. You must contact the shipper directly and file a claim with the shipping company.
Lead Time: All prices offered are based on standard factory lead times (or) as stated within quotation. Expedited shipments may be available at an additional charge. Contact your Sales Engineer for the ETA of any specific equipment on any order or quotation.
View AllClose


text:
Useful design 3 in 1 summer style net material ladies bag in bag tote bag
- Style No.: UN18022
- Brand: Uncle Nine or Customer's brand
- Material: Net + PU leather
- Lining: Polyester
- Color: Black, or customized
- Dimensions: 45(L)*9(D)*38(H) cm
- Type of opening: Zipper
- Structure: Inner with two detachable small bags
- For stock materials, our MOQ is as low as 100pcs per color.
- For order materials, our MOQ is based on the quantity of order materials.
- For new customers, we provide 2-3 samples for free.
- For old customers, we will provide free samples every season.
- According to different quantities, our sample lead time is 7-20 days after confirming the details.
- If you have a large number of samples or special technical requirements, the time may be slightly longer.
Certainly. We welcome your customized requirements.
Please rest assured that we will keep your design drawings confidential.
Usually, our mass production lead time is 40-60 days after receiving deposit and confirming details.
Our delivery time does not include shipping time, which may vary from 10-40 days depending on your country and different shipping methods.
Sometimes, we accept rush orders, contact our team and we will check the exact time for you according to your requirements.
- T/T, 30% advance payment, the balance paid against the copy of B/L is our usual payment terms.
- Other payment terms, let's discuss together.
How to Order Handbags from Us?
Submit the form or write us an email. We will contact you within 1 working day.
Discuss and confirm sample details with us, such as style, material, lining, hardware, etc.
According to the confirmed samples, place an order with us and arrange deposit
Mass production according to your requirements, and accept your QC inspection
Arrange shipment after inspection, waiting for your feedback and next project


text:
Sickle cell disease
Current as of: September 8, 2022
Author: Healthwise Staff
Medical Review:E. Gregory Thompson MD - Internal Medicine & Adam Husney MD - Family Medicine & Martin J. Gabica MD - Family Medicine & Martin Steinberg MD - Hematology
If you or someone you know is experiencing a mental health crisis, call 988 for 24/7 free and confidential crisis support. You do not have to be suicidal to call. Access more info and resources on suicide prevention, emotional and mental health support.
Search by keyword or browse our list of services.
Find a provider by specialty, location, or availability.
Available seven days a week from 8 a.m. to 8 p.m.
See current studies testing new drugs, devices, and equipment to find better ways to treat and help patients.
For life-threatening emergencies, call 911 without delay.
Search by specialty and location.
Receive the highest level of care from the region's leading providers.
Find a lab or imaging facility close to you.
Search for a retail pharmacy in your area.
Find an outpatient infusion center.
Visit us to pay bills, ask billing questions, or request billing records.
Sickle cell disease is a blood disorder in which the body produces an abnormal type of the oxygen-carrying substance hemoglobin in the red blood cells. Normal hemoglobin is called hemoglobin A, but people with sickle cell disease have only hemoglobin S, which turns normal, round red blood cells into abnormally curved (sickle) shapes.
Sickle-shaped blood cells are destroyed by the body faster than normal blood cells, which can result in an inadequate oxygen supply to the body (anemia). Most people with sickle cell disease have at least mild symptoms of chronic anemia, including:
Sickle-shaped blood cells are also more likely to get stuck in and block small blood vessels throughout the body. Reduced blood flow caused by blocked blood vessels can damage certain organs, muscles, and bones. This may cause repeated episodes of pain (called sickle cell crises) that may last from hours to days. The pain most often occurs in the bones of the spine, arms and legs, the chest, and the abdomen.
People who have sickle cell disease need special medical care throughout their lives to treat the variety of problems that can be caused by the illness.
Current as of: September 8, 2022
Author: Healthwise Staff
Medical Review:E. Gregory Thompson MD - Internal Medicine & Adam Husney MD - Family Medicine & Martin J. Gabica MD - Family Medicine & Martin Steinberg MD - Hematology
This information does not replace the advice of a doctor. Healthwise, Incorporated disclaims any warranty or liability for your use of this information. Your use of this information means that you agree to the Terms of Use. Healthwise is a URAC accredited health web site content provider. Privacy Policy. How this information was developed to help you make better health decisions.
To learn more, visit Healthwise.org
© 1995- Healthwise, Incorporated. Healthwise, Healthwise for every health decision, and the Healthwise logo are trademarks of Healthwise, Incorporated.
You take care of others, so take care of yourself. Let us be your partner in health, whether you're recovering from an injury, checking in for your annual exam, or enjoying an online class.
Because when you take care of yourself, everyone around you benefits.


text:
For the location, Comstock Township, Michigan, USA, set your calendar options then "Make Calendar".
Your Latitude, Longitude
You can use the custom page to create a calendar for your own location if you know the latitude, longitude, and time zone of that location.
If your city, town, or other location of interest is not listed, contact us and we will add it.
Home –
FAQs –
Site Map
© 2024 Edwards Apps, Inc.
All rights reserved.


text:
Decorative figurine:
A tea pet is a small, decorative figurine that is typically made of clay or porcelain. It often takes the form of an animal, such as a dragon, frog, or panda, and is designed to sit on a tea tray or table during tea ceremonies.
Traditional oriental culture:
Tea pets have been a part of traditional tea culture for centuries. They are believed to bring good luck, prosperity, and positive energy to the tea ceremony and its participants.
Tea pets are interactive, as they require care and attention from the tea drinker. During the tea ceremony, hot water is poured over the tea pet to "awaken" it and give it life. The tea pet is then offered tea, and the tea drinker may pour some of the tea over the tea pet as a symbol of respect and gratitude.
Tea pets are often chosen based on personal preference or symbolism. For example, a tea pet in the shape of a dragon may be chosen to represent strength and power, while a tea pet in the shape of a rabbit may be chosen to represent good fortune and fertility.
Collection item:
Tea pets are often collected by tea enthusiasts and may have sentimental or cultural value.
Tea pets are typically made of high-quality materials that are durable and long-lasting. They are designed to withstand the heat of the tea ceremony and are often glazed to prevent damage from water and other liquids.
Tea pets are versatile and can be used with different types of tea and tea brewing methods. They can also be used as decorative items outside of the tea ceremony, such as on a desk or bookshelf.
- Material: Ceramic
- Crafts: Handmade
We are currently offering complimentary shipping on all orders $99.99.
Standard Shipping- $9.99.
*Please allow 1- 4 days for processing on all orders.
Currently, Support worldwide delivery.
The product will ship within 1-3 business day after purchase, and delivery will take around 10-20 business days. Delivery may take a longer time in holiday shopping season.
Please make sure all the shipping information you provide to us is correct. If you need to change your address before your product is dispatched, please don't hesitate to contact us. We will help you contact the relevant logisitcs supplier, but we will not be held responsible for any package damage, loss, or delay caused by incorrect shipping information customers provide nor caused by the shipping carrier during the transportation.
Standard shipping is not available for P.O. Boxes or APO/FPO addresses.
The tracking of your parcel is online traceable. After your order is shipped out, a confirmation email with online tracking number and link will be sent to you. The tracking number will be valid for your check within 48 hours after you receive the email. During Holiday Season, Orders with Standard Shipping will not be traceable when the parcels arrive in the United States. It is because USPS website will no longer update the information about shipping package.
If you have any questions about the shipping of your order, please feel free to contact us email@example.com
If you check that there is a fault with an item or wrong item you have received, please let us know straight away through our team. Please include as many details including the photos as possible about the order and the problem with the items and we will find a decent way to solve this for you.
As different arrivals of the items, sometimes we don't send all items you've ordered at the same time, so some of your items will be arriving separately. There is an email saying if your items sent separately. So first check your email box and if there are any doubts, please feel easy to contact us at email@example.com
If you have any further questions, feel free to contact us support team: firstname.lastname@example.com
Returns & Refunds
Terms and Conditions:
Items directly purchased from gloriouscollection.com can be returned in 30-days for a full refund or exchanged under the following circumstances:
- Missing, Damaged, or Wrong Items.
Please inspect your order as soon as you receive it. We always do our best to deliver your order in an efficient manner and strive to make sure your orders are complete and undamaged. If in the unlikely event your order is missing, incorrect, or damaged, please contact us immediately. - Malfunction or Serious Product Quality Issues.
Take a picture of the defective/incorrect item(s) showing the issue.
Email us at email@example.com
- 30 day Return Policy: If you do not like/are not satisfied with an item within 30 days of receiving it, you can return the item for a refund or an exchange providing it is in the condition they were received in. Products must be returned in the condition they were received in. If products show evidence of installation or user abuse, or are not in a resalable condition when returned, then the user will not be eligible for a refund or exchange. Should you with to make a refund or exchange, you will be liable for return postage costs.
- Any item that is damaged through customer misuse or missing parts due to customer tampering cannot be returned or refunded.
- Before returning an item, please make sure that you contact our service team at email@example.com, this helps us to make sure your return is received in a safe and timely manner. Should you fail to notify us of a return being made, We will not be held accountable for loss of stock and/or losses incurred due to negligence when in transit.
- For non-quality-related warranty claims,the buyer will be responsible for all shipping costs.
Return and Refund Procedure
If you are looking to apply for a return or refund,please email the following information to firstname.lastname@example.com, we will send a confirmation email to you within 3 business days of your request.
- Order ID
- A description of the reason for your return
- A video/image that explains the issue
- We will confirm if the package is unopened or not, and will supply a return address to customer.
- Customer will then send back the package and device.
- Customer must then provide a tracking number for their delivery.
- Our processing centre will confirm there are no issues with the return.
- Refund will be processed.
The customer can cancel the order before the goods are delivered.
Payment Methods
Pay with Shopify Payment
When you pay with a credit or debit card, you need the name printed on the card, the card number, the month and year the card expires, and the 3-digit or 4-digit security code. This information, along with the billing address for the credit card, must be entered during the purchase process. We accept the credit/debit cards listed above. Please note that Glorious Collection does not save your credit/debit card number or personal information entered into the payment fields when you make a payment. For questions regarding your transactions on your credit/debit card, please consult the bank that issued your credit/debit card.
Pay with Paypal
When you choose to pay for an order via PayPal you will be redirected to the PayPal payment page, where you can log in with your PayPal username and password. If you do not have a PayPal account, or if you do not want to use your PayPal account, you may still pay via PayPal, by clicking on the "Pay with Debit or Credit Card" option on the PayPal payment page, and you will be redirected to a secure page where you can first enter your email address and then enter your credit card information to complete your payment safely via PayPal.
If you have any further questions, feel free to contact us support team: email@example.com
Apply My Discount
Subscribe Us-Get 10% OFF
Unlock exclusive benefits by subscribing. By becoming our subscription member, you will receive our exclusive event offers and gifts, and quickly learn about our new products and news.
How to Claim Your Discount?
When you successfully subscribe to our email, we will send you a 10% discount code via email.
Add Our WhatsApp-Get 10% OFF
Add our WhatsApp and you will be able to solve your after-sales problems up close. And we will have exclusive membership activities open to you. You will have the opportunity to get a bigger discount and the chance to become our partner.
Chat with us: +1 659 2532919
How to Claim Your Discount?
When you have successfully added our WhatsApp, you initiate a conversation with us to apply your exclusive discount.
Follow Our Social Media-Get 5% OFF
Our social media platforms will update from time to time to let you know more about our products and unlock more fun ways.
How to Claim Your Discount?
When you successfully follow our social media account. You can apply for a discount through Inbox, and we will provide you with an exclusive discount code. Or apply for a discount through our customer service.
Email us: firstname.lastname@example.com
Chat with us: WhatsApp: +1 659 2532919
Different aesthetic experience
We work with over 100 artisans across 20 different ethnic minorities. Glorious Collection provides customers with a visual feast of oriental minority aesthetic experience. Our handiwork range from traditional tea set, embroidery bags, Tibetan Silver, Mala beads, Thangka, The Miao Silver,to different jewelry with traditional and cultural designs.
In today's industrialized world, many artisans now struggle with challenging times.By supporting our artisans, sustainable sourcing helps to preserve local cultural heritage. Through prioritizing products made by local indigenous craftspeople, businesses can help with artistic practices and craftsmanship.
Social responsibilities
We apply a portion of our profits to support our artisans, an endeavor we believe will honor both handcrafting heritage and the economy.Sustainable sourcing takes working with indigenous groups and respectfully understanding about their traditional culture to ensure the ethical sourcing of products. This support helps artisans to continue their crafting work and carry forward their cultural traditions to future generations.


text: In this course you will learn and practice several techniques for user interface evaluation. First we start with techniques that can be applied alone or in a design team, including action analysis, walkthroughs, and heuristic evaluation. Then we move on to user testing, including learning from a series of usability tests carried out in a real usability lab, and techniques to carry out your own tests even without a lab. Finally, we wrap up the discussion of evaluation–and of UI Design in the specialization as a whole–by looking at the question of how to set and measure usability goals, and in turn, when a design is usable enough to release it.


text:
Churned Creamery – 2016 Franchise Disclosure Document (FDD)
This is the Churned Creamery – 2016 Franchise Disclosure Document (FDD). It is a PDF document available for immediate download upon purchase.
What is in the Churned Creamery – 2016 Franchise Disclosure Document (FDD)?
The United States Federal Trade Commission requires all franchisors who sell franchises in the USA to compile an FDD each year which covers 23 key items of disclosure about the franchise opportunity. The FDD is written in a federally mandated format that is standardized for all franchises, must be presented in easily understood language, and typically is 100+ pages in length. This document is required to be given to a prospective franchisee before the franchise agreement is signed or any money changes hands. This document is extremely useful to anyone who is researching the history, inner workings, and other critical information and disclosures about the franchise system.
Table of Contents - Churned Creamery – 2016 Franchise Disclosure Document (FDD)
- Cover Page
- Table Of Contents
- Disclosure Items 1-23
Item 1: The Franchisor, Its Predecessors, and Affiliates
Item 2: Business Experience
Item 3: Litigation
Item 4: Bankruptcy
Item 5: Initial Franchise Fee
Item 6: Other Fees
Item 7: Initial Investment
Item 8: Restrictions on Sources of Products and Services
Item 9: Franchisee's Obligations
Item 10: Financing
Item 11: Franchisor's Obligations
Item 12: Territory
Item 13: Trademarks
Item 14: Patents, Copyrights, and Proprietary Information
Item 15: Obligation to Participate in and the Actual Operation of the Franchise Business
Item 16: Restrictions on What the Franchisee May Sell
Item 17: Renewal, Termination, Transfer, and Dispute Resolution
Item 18: Public Figures
Item 19: Earnings Claims
Item 20: List of Outlets
Item 21: Financial Statements
Item 22: Contracts
Item 23: Receipt


text:
John Cruitt, 62, spent decades tracking down his third-grade teacher.
He wanted to talk with Cecile Doyle about 1958 — the year his mother, who was seriously ill with multiple sclerosis, passed away.
Her death came just days before Christmas. Cruitt had been expecting to go home from school and decorate the Christmas tree.
"But I walked into the living room, and my aunt was there, and she said, 'Well, honey, Mommy passed away this morning.' "
Cruitt remembers seeing his teacher, Doyle, at his mother's wake.
"When I found out she died, I could certainly relate to that, because when I was 11, my own father died," Doyle tells Cruitt at StoryCorps in Monroe, N.Y. "And you just don't know how you're going to go on without that person."
When Cruitt returned to school, Doyle waited until all of the other children left the room at the end of the day, and told him that she was there if he needed her.
"Then you bent over and kissed me on the head. It was really the only time someone said to me, 'I know what you're feeling, and I know what you're missing,' " Cruitt says. "And I felt, in a very real way, that things really would be OK."
"Well, John, I really loved you as a student, and I'm so glad that I could be there with you for that time," says Doyle, 82.
Decades after his mother's death, when Cruitt became a teacher himself, he began to think more and more of Doyle.
"And I started to think to myself, here I am, with a memory of a teacher who changed my life, and I've never told her that," he says.
So, that's when he finally wrote a letter:
Dear Mrs. Doyle,
If you are not the Cecile Doyle who taught English at Emerson School in Kearny, N.J., then I'm embarrassed, and you can disregard the sentiments that follow.
My name is John Cruitt, and I was in your third-grade class during the 1958-1959 school year. Two days before Christmas, my mother passed away, and you told me that you were there if I needed you. I hope life has been as kind to you as you were to me.
God bless you, always. With great fondness,
Doyle says his letter, which arrived in February, could have not come at a better time. Her husband, who passed away this August, was struggling with Parkinson's disease.
"And I had just come home from the hospital, and I read this beautiful letter, and I just was overwhelmed," she says.
"Well the funny thing is, when I finally wrote to you again after 54 years, I typed the letter — I was afraid my penmanship wasn't going to meet your standards," Cruitt says as Doyle laughs.
"Well, after all this time, Mrs. Doyle, all I can say to you is ... thank you."
"John, what can I say — I'm just glad that we made a difference in each other's life."
Audio produced for Morning Edition by Katie Simon with Michael Garofalo.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


text:
How Do Restricted Stock Units Work?
Restricted stock units (RSUs)—a contractual right to receive company shares or an equivalent cash payment at some point in the future—are an increasingly popular form of equity award offered by companies of all shapes and sizes. Companies are shifting to RSUs because they are administratively convenient, are easy for employees to understand, and can be structured in a way that helps attract and retain key employees and drive performance.
Given this growing trend, let's take a closer look at what RSUs are and how they can work for employees.
You've been granted RSUs: Now what?
If you've been granted RSUs, congratulations! You have likely been given this equity award because you are valued, and your employer wants you to stay with the company and meet certain performance benchmarks. But it's important to understand that your employer has merely promised to deliver shares (or an equivalent cash payment) to you at a future date. As such, RSUs can be thought of as a form of deferred compensation.
You do not owe any tax at the time of the RSU grant. In fact, you will not owe tax until you actually receive the shares. RSUs typically come with a vesting schedule, and there may be performance conditions that must be satisfied before the stock can be delivered. Unlike a stock option, your RSU has intrinsic value; whether the value of the company increases or decreases after the grant, the stock will have value and can never be "out of the money."
What happens when RSUs vest?
Once RSUs vest, they will be delivered to you and you will recognize ordinary income based on the fair market value of the stock at the time of delivery. Unlike with stock options, no analysis regarding when to exercise is needed. In most cases, the employer will withhold shares in order to cover the tax, delivering the net shares to you. You may have additional options for withholding, you may be able to elect to receive cash instead of stock, or you may be able to defer the delivery of the shares beyond the vesting date. Be sure to check your plan document to ensure that you understand all of your options.
Once you own the employer stock, you are free to hold it or sell it immediately. Your cost basis in the shares is the fair market value on the date they were delivered. So, if you sell the shares immediately, there will be no additional taxable gain. But if you choose to hold the shares and sell them down the road? You would pay capital gains tax on any gains earned since you acquired the shares; if the shares decrease in value, you would have a capital loss that you can use to offset other capital gains.
Planning questions you should be asking
Should I hold or sell? It may help to think of RSUs as a cash bonus paid to you in the form of company stock. Because you pay the tax upon delivery, there's no holding period to worry about. You're free to sell the shares immediately and do whatever you'd like with the cash, similar to a cash bonus. If you wouldn't take a cash bonus and purchase shares of your company with it, you probably should sell the stock and save or invest the proceeds. If you believe the company is a great long-term investment, however, you may prefer to hold the stock.
What happens if I leave the company? Generally, any unvested RSUs would be lost if you were to leave the company. If you're considering taking a new job but have a number of RSUs about to vest, for example, you may want to consider sticking it out a little longer. After all, RSUs are designed to help retain employees!
What if I'm planning to retire? Employers tend to treat retirement more favorably than leaving to work for another company. Still, how your RSUs will be treated depends on the employer and whether you're retiring "early" or at an age that would be considered "normal." Your employer may allow vesting to continue after retirement, or the employer may accelerate your vesting. Be sure to check your plan document to understand how your unvested RSUs will be treated upon your retirement.
What's the risk? Many employers grant RSUs to employees annually. This means that after a few years, RSUs will start vesting and you'll start receiving (potentially large) quantities of shares annually. Depending on your other investments and employee benefits, employer stock could represent a sizable portion of your net worth—exposing you to significant risk if the company were to face a sudden downturn. In this case, you may want to consider selling shares and reinvesting the proceeds in a diversified portfolio.
Will I be pushed into a higher tax bracket? It's possible that the taxable income from your RSUs' vesting will push you into another tax bracket. If so, there may be other sources of income whose timing you can shift to work around your RSU vesting schedule. Or, if your employer allows your RSUs to be deferred beyond the vesting date, it may be possible to defer the tax recognition of the RSU to a more opportune time.
A valuable benefit
RSUs can be a valuable piece of an employee benefits package, especially when they are incorporated into a large financial plan. Be sure your advisor and tax professional know about any RSUs you've been granted—and when they will vest—so that they can help you plan accordingly.
© 2018 Commonwealth Financial Network®


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Become a Watkins Consultant in DeKalb, Illinois and Earn Income With a Respected Work-From-Home Business
Learn About Selling Watkins Products in DeKalb — Our online brochure takes you on a complete tour of the Watkins business. Quickly learn everything you're wondering, including: "How much can I earn? What would I be doing? What's it going to cost?" and "How much time will it take?"
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How to Become a Watkins Consultant in DeKalb, Illinois
1. Introduction 2. How It Works 3. Ways to Earn
4. How Much Can I Earn? 5. What are the Products?
6. Can I Really Succeed at This? 7. How Do I Get Started?
4. How Much Can I Earn? 5. What are the Products?
6. Can I Really Succeed at This? 7. How Do I Get Started?
© RespectedHomeBusiness


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The State of NJ site may contain optional links, information, services and/or content from other websites operated by third parties that are provided as a convenience, such as Google™ Translate. Google™ Translate is an online service for which the user pays nothing to obtain a purported language translation. The user is on notice that neither the State of NJ site nor its operators review any of the services, information and/or content from anything that may be linked to the State of NJ site for any reason. -Read Full Disclaimer
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Hyposec (International)
Hyposec may be available in the countries listed below.
Ingredient matches for Hyposec
Omeprazole is reported as an ingredient of Hyposec in the following countries:
- Egypt
- Lebanon
- Oman
Important Notice: The Drugs.com international database is in BETA release. This means it is still under development and may contain inaccuracies. It is not intended as a substitute for the expertise and judgement of your physician, pharmacist or other healthcare professional. It should not be construed to indicate that the use of any medication in any country is safe, appropriate or effective for you. Consult with your healthcare professional before taking any medication.
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The Getaway is the latest gravel tread designed to take you beyond where the pavement ends to where the terrain is less maintained. Its design includes a tightly packed, fast rolling center for straight line control and speed, open transition knobs for sandy and wet terrain, and more aggressive shoulder knobs for controlled cornering and stability in loose conditions. This tire takes tubeless to a higher performance level by combining TLR's properties with a handmade construction for the ultimate in traction and ride quality. This tire combines a supple, yet durable Corazza Armor casing for improved sidewall protection, excellent puncture-resistance from our PPS Ganzo, and a high mileage, grippy, natural SMARTplus compound. And puncture protection is enhanced when combined with the appropriate tubeless sealant. 260TPI SuperPoly casing.


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Trading financial instruments, including foreign exchange on margin, carries a high level of risk and is not suitable for all investors. The high degree of leverage can work against you as well as for you. Before deciding to invest in financial instruments or foreign exchange you should carefully consider your investment objectives, level of experience, and risk appetite. The possibility exists that you could sustain a loss of some or all of your initial investment and therefore you should not invest money that you cannot afford to lose. You should be aware of all the risks associated with trading and seek advice from an independent financial advisor if you have any doubts. |


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Saying a college education is the "surest path to the middle class," President Obama announced a plan Thursday to allocate federal aid to colleges and universities based in part on their affordability.
Speaking at the University at Buffalo, State University of New York, the president said that over the last 30 years, there's been a 250 percent increase in the cost of higher education, while at the same time incomes have risen just 16 percent. Meanwhile, he said, the states have cut back dramatically on their allocations for higher education.
"The average student who graduates from college owes $26,000, some more than that," he said.
Obama outlined three main goals of the new system, the linchpin of which is a rating system that would judge institutions of higher learning "not just by which is the most selective, not just by which is the most expensive, not just by the one with the best facilities," he said, "but by the one that is the biggest bang for the buck."
He said under his plan, colleges "are not going to be increasing tuition year after year and passing it along to students and parents."
The president said the goal was to direct federal dollars to colleges and universities that produce results and divert it from the ones that leave students with "crushing debt" and few job prospects.
NPR's Ari Shapiro reports that the administration hopes to get the scores in place by fall of 2015 and for Congress to tie federal funding to the new rankings.
Under the plan, colleges would receive a bonus based on how many students they graduate who received federal Pell Grants, a proposal aimed at getting more low- and moderate-income students to attend college. The proposal would also require colleges with high dropout rates to disburse aid throughout the year instead of annually, a measure designed to make sure that students who drop out don't get any more aid.
"First, the ratings would reward colleges that offer 'value.' A school that holds down average tuition and student-loan debt could rise in the ratings, which means that the system would act as an incentive for colleges to keep those costs as low as possible.
"In addition, higher-rated schools would qualify for larger federal grants, making them more affordable for students."
"Higher education, he said, 'cannot be a luxury. It is an economic imperative.' "
Copyright 2021 NPR. To see more, visit https://www.npr.org.


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When you ride in frigid conditions, your options for lightweight insulation under your outerwear are limited. It's typically been an fleece jersey with rear pockets that only adds to bulk and weight. Insulation with a high warmth to weight ratio, like down feathers or polyester fiber-fill are ideal, but those materials need to be encapsulated with a coated fabric to contain them, cutting breathability down to zero. Our solution is Polartec Alpha insulation that provides insulation without the need to encapsulate, giving you unimpeded breathability for a warm, dry ride. The outer shell is lightweight and uncoated, furthering the flow of perspiration and allowing the piece to packable when you need to de-layer when things get too hot. The jacket is designed to be worn under an outer jacket, such as our Deflect H2O pieces, so the fit is close to the body to eliminate any bulk. An under-the-helmet hood provides an added wind layer and traps heat in were you lose it, at the top of your head, and we finish off the neck and wrists with reflective binding for visiability in case you're caught out after sundown.
- Woven Pertex Quantum Air outer-shell is combined with 90g Polartec Alpha breathable insulation to create the ultimate packable, breathable, and warming insulation piece.
- Non-insulated hood is intended to be used under the helmet to keep the wind at bay and to trap heat on cold rides.
- Two front hand pockets keep your hands warm off the bike and provide room for your small essentials and electronics.
- Edge binding at the wrists and collar seal in warmth and feature reflective tape woven-in for increased visibility to motorists in low-light conditions.
- Deflect UV 50+ protects against harmful UV rays.
- Fit is close to body for layering under outerwear. For a looser "street fit," we recommend one size up.
- Shell fabric weight: 48g
Part Numbers
Option | UPC | MPN |
Hyper Green / Small | 888818524839 | 64420-5202 |
Hyper Green / Medium | 888818526581 | 64420-5203 |
Hyper Green / Large | 888818526260 | 64420-5204 |