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LAST UPDATED: April 1, 2024
Tomás Sullivent® provides Sullivent.com to you, subject to the following Terms of Use.
BY ACCESSING OR USING THE WEBSITE AND SERVICES IN ANY WAY OR BY AGREEING TO PROVIDE SUBMISSIONS TO TOMÁS SULLIVENT YOU ARE AGREEING TO THE TERMS OF USE BELOW AS WELL AS THE PRIVACY POLICY, AS THEY MAY BE UPDATED AND AMENDED FROM TIME TO TIME. In addition, when using particular parts of the Website such as shopping, forums, watching videos, or viewing blogs, you agree to abide by any applicable posted guidelines for those services. SHOULD YOU OBJECT TO ANY TERM OR CONDITION OF THE TERMS OF USE OR PRIVACY POLICY, YOU MAY NOT ACCESS OR USE THE WEBSITE AND YOU SHOULD NOT AGREE TO PROVIDE SUBMISSIONS TO TOMÁS SULLIVENT. PLEASE READ THESE TERMS OF USE FULLY AND CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION ABOUT LIMITATIONS OF LIABILITY AND RESOLUTION OF DISPUTES THROUGH ARBITRATION RATHER THAN IN A COURT OF LAW.
Tomás Sullivent may modify these Terms of Use at any time without notice, effective upon posting updated Terms to the Website. Your continued use of the Website constitutes your acceptance to the updated Terms of Use. Tomás Sullivent has the right, but not the obligation, to strictly enforce the Terms of Use through self-help, active investigation, community moderation, litigation, and/or prosecution.
Tomás Sullivent trademarks displayed on this Website are trademarks or registered trademarks of Tomás Sullivent. All other trademarks are the sole property of their respective companies. All use of such trademarks is prohibited.
The Website is protected to the maximum extent permitted by copyright and intellectual property rights laws and international treaties. All content displayed on or through the Website including but not limited to videos, photos, blog posts, forums, product descriptions, data, data sheets, FAQs is owned exclusively by TOMAS SULLIVENT and/or its affiliated companies and/or suppliers and/or licensors and is protected by copyright or other laws, including as a collective work and/or compilation, pursuant to copyrights laws, and international conventions. Any reproduction, modification, display, or creation of derivative works from or redistribution of the Website, any content on the Website or the collective work, and/or copying is prohibited including but not limited to reproduction to any other server or location for further reproduction or redistribution, unless you have the express prior written permission of TOMÁS SULLIVENT. You may not decompile, disassemble, reverse engineer, or otherwise attempt to discover any source code contained in the Website.
You may not use the Website for any commercial purposes, including the promotion or advertisement of any goods, services, or opportunities, and you may not use the Website to solicit other Website visitors or users to visit or become members of, subscribe to, or register with any commercial online service or other organization, and/or collect or store personal data or attempt to collect or store personal data about other users of the Website.
You acknowledge that you are responsible for any information, profiles, messages, text, files, images, photos, video, music, sounds, or other content or materials ("User Content") that you submit, upload, post or otherwise provide or make available to TOMÁS SULLIVENT its vendors, or its affiliates on or through the Website or otherwise ("Submissions"), including User Content you agree to allow the use of that is on third party companies' websites, for example Instagram, Twitter, Facebook, Pinterest, Linkedin, TikTok, and Google+, that are associated with hashtags related to TOMÁS SULLIVENT. Such Submissions may be used on the Website and/or on other TOMÁS SULLIVENT marketing materials, including emails, social media, and store signage. You may only make a Submission if you are 18 years of age or over. If your Submission is selected by TOMÁS SULLIVENT to be used, it may be displayed for other users to see, together with your name and associated Instagram, Twitter, Facebook, Linkedin, TikTok, or other Social Media (if applicable) profile information (such as your handle and profile picture). TOMÁS SULLIVENT is under no obligation to display, feature, or use any Submission, but may do so at its sole discretion.
Any Submission will be treated as non-confidential. Any Submission will also be treated as non-proprietary, except as specifically set forth herein. By making a Submission, you hereby grant, and you represent and warrant that you have the right to grant, TOMÁS SULLIVENT, its affiliated entities, vendors, and licensees a nonexclusive, royalty-free, worldwide, perpetual, transferable, irrevocable, and fully sublicensable right and license to use, reproduce, modify, adapt, publish, sell, assign, translate, create derivative works from, distribute, perform and display any Submission, as well as your name, Instagram, Twitter, LinkedIn, TikTok handle, Facebook ID, or other Social Media handle, profile picture, image, likeness, comments, posts, statements or other information, in any manner, and in any and all distribution channels, venues, forms, media, or technology, whether now known or hereafter developed, alone or as part of other works, without further notice or any compensation to you. You also acknowledge that your Submission may not be returned, and we may use your Submission, and any ideas, concepts, or know how contained therein, for any purpose including, without limitation, developing, manufacturing, distributing, and marketing products. Subject to the licenses granted in these Terms of Use, you retain ownership of any copyrights and rights of publicity you may have in your Submissions.
If you make a Submission, you represent and warrant that you own or otherwise control any rights to your Submission and any and all elements thereof; that you have the rights from any and all third parties appearing in such Submission to grant the license contained in these Terms of Use for such third parties' names, image(s), or likenesses and any other third party-owned elements as necessary in and as part of your Submission; and that your Submission will not infringe or violate the rights of any third parties, including, but not limited to, copyrights, trademarks, rights of publicity/privacy, patent, trade secret(s), or confidentiality. You further represent and warrant that your Submissions comply with all applicable laws, rules and regulations, and any third-party agreements to which you are subject, including Instagram, Twitter, Facebook, Pinterest, TikTok, LinkedIn, Google+'s, or other social media Site's Terms of Use.
You further represent and warrant that your Submissions do not constitute or contain software viruses, commercial solicitation, chain letters, mass mailings, or any form of "spam." You may not use a false email address, impersonate any person or entity, or otherwise mislead TOMÁS SULLIVENT as to the origin of any Submission. You agree to indemnify TOMÁS SULLIVENT, our vendors, third parties such as Instagram, LLC, Twitter Inc., Facebook, Inc., Pinterest, Inc. and Google Inc. and any of our or their respective parents, affiliates, licensees, licensors, and each of our or their respective officers, directors, employees, successors, agents and assigns, for all claims arising from or in connection with (a.) the use of any Submission, including, without limitation, all claims arising out of or based upon copyright or trademark infringement, misappropriation, invasion of privacy, defamation, right of publicity, and/or any blurring, alteration, editing, distortion, illusionary effect, morphing, faulty reproduction, fictionalization or use in any composite form of your or any other person's or entity's name, Instagram, or Twitter handle, Facebook ID, profile picture, image, likeness, comments, posts, statements or other information and/or the Submission; or (b) any breach or alleged breach by you of any of these Terms of Use or applicable laws. THE FOREGOING INDEMNIFICATION PROVISION SHALL NOT APPLY TO TOMÁS SULLIVENT'S OWN NEGLIGENCE OR INTENTIONAL CONDUCT.
When you make a Submission, you acknowledge and agree that the Submission will be non-proprietary (except as specifically set forth herein) and non-confidential, may be made available to the general public, and may be used by TOMÁS SULLIVENT without restriction. You further irrevocably waive any "moral rights" or other rights with respect to attribution of authorship or integrity of materials regarding any Submission that you may have under any applicable law or under any legal theory.
TOMÁS SULLIVENT reserves the right, in its sole discretion, to edit any Submission and to choose to include or not include such Submission on the Website or otherwise use the Submission. The Website may include the opinions, statements, and/or other content of third parties. TOMÁS SULLIVENT is not responsible for monitoring, screening, or verifying such content, including such content's accuracy, reliability, or compliance with copyright or other laws. Any opinions, statements, or other materials made available by third parties through the Website are those of such third parties and not of TOMÁS SULLIVENT, including its licensors and/or vendors, and TOMÁS SULLIVENT does not endorse any such opinions, statements, or materials.
You acknowledge and agree that TOMÁS SULLIVENT has no control over and shall have no liability for any damages resulting from, the use (including, without limitation, re-publication) or misuse by any third party of any Submission.
Any questions, comments, suggestions, or other information about TOMÁS SULLIVENT products or services submitted to TOMÁS SULLIVENT through this Website ("Feedback") shall be deemed non-confidential and non-proprietary. TOMÁS SULLIVENT shall be free to use, reproduce, disclose, and distribute such Feedback in any manner without limitation. TOMÁS SULLIVENT specifically prohibits you from sending us any information that you consider to be confidential or proprietary through this Website. Please note that if you do send us any such information or material, the information will be non-confidential and non-proprietary and TOMÁS SULLIVENT will not have any obligation or liability to you arising from TOMÁS SULLIVENT's and/or any third party's receipt or use of such information or material.
You understand that all Feedback and User Content posted on, transmitted through, or linked from the Website, is the sole responsibility of the person from whom such Feedback and User Content originated. You understand that TOMÁS SULLIVENT does not control and is not responsible for Feedback and User Content made available through the Website and that by using the Website, you may be exposed to Feedback and User Content that is offensive, indecent, inaccurate, misleading, or otherwise objectionable. TOMÁS SULLIVENT expressly disclaims any liability for such Feedback and User Content.
You agree that you must evaluate, and bear all risks associated with, the use of any Feedback and User Content. You further agree that you will not rely on said Feedback and User Content, and that under no circumstances will TOMÁS SULLIVENT be liable in any way for any Feedback and User Content or for any loss or damage of any kind incurred as a result of the use of any Feedback and User Content posted, emailed or otherwise made available. You acknowledge that TOMÁS SULLIVENT does not pre-screen or approve Feedback and User Content, but that TOMÁS SULLIVENT shall have the right (but not the obligation) in its sole discretion to refuse, delete or move any Feedback and User Content for any reason.
Your interactions with organizations, events and/or individuals found on or through the Website are solely between you and such organizations and/or individuals. TOMÁS SULLIVENT expressly disclaims any liability for such organizations, events, or individuals.
You agree not to transmit to TOMÁS SULLIVENT any information or post, email, or otherwise make any Submission of User Content that: (i) is unlawful, harmful, threatening, abusive, harassing, defamatory, libelous, invasive of another's privacy, or is harmful to minors in any way; (ii) is pornographic or depicts a human being engaged in actual sexual conduct; (iii) harasses, degrades, intimidates or is hateful toward an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age, or disability; (iv) impersonates any person or entity, including, but not limited to, a TOMÁS SULLIVENT employee, or falsely states or otherwise misrepresents your affiliation with a person or entity; (v) that includes personal or identifying information about another person without that person's explicit consent; (vi) is false, deceptive, misleading, or deceitful; (vii) infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party, or Submissions that you do not have a right to make available under any law or under contractual or fiduciary relationships; (viii) that constitutes or contains "affiliate marketing," "link referral code," "junk mail," "spam," "chain letters," "pyramid schemes," or unsolicited commercial advertisement; (ix) constitutes or contains any form of advertising or solicitation if posted in areas of the Website which is not designated for such purposes or emailed to TOMÁS SULLIVENT users who have not indicated in writing that it is ok to contact them about other services, products or commercial interests; (x) advertises any illegal service; (xi) contains software viruses or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment; (xii) disrupts the normal flow of dialogue with an excessive amount of Submissions (flooding attack) to the Website, or that otherwise negatively affects other users' ability to use the Website; (xiii) that employs misleading email addresses, or forged headers or otherwise manipulated identifiers in order to disguise the origin of Submissions transmitted through the Website.
Additionally, you agree not to: (i) contact anyone who has asked not to be contacted, or make unsolicited contact with anyone for any commercial purpose; (ii) "stalk" or otherwise harass anyone through the Website; (iii) collect personal data about other users for commercial or unlawful purposes; (iv) use automated means, including spiders, robots, crawlers, data mining tools, AI, or the like to download data from the Website; (v) post irrelevant User Content, repeatedly post the same or similar User Content or otherwise impose an unreasonable loads on our infrastructure; (vi) post any deceptive events or information; or (vii) attempt to gain unauthorized access to TOMÁS SULLIVENT computer systems or engage in any activity that disrupts, diminishes the quality of, interferes with the performance of, or impairs the functionality of, the Website.
TOMÁS SULLIVENT may refuse, delete, modify, edit, or remove any Submissions at any time for any reason and TOMÁS SULLIVENT may terminate your access to the Website or your account at any time for violation of these terms of use or any other reason.
Submissions and use of the Website are made available only to persons over the age of 13 and to persons who can form legally binding agreements under applicable law. Although users of all ages are welcome to browse the Website, the Website is not intended to be used by children under the age of 13 and children under the age of 13 are not to submit any personally identifying information through the Website. In addition, you may only establish an account if you are 18 years of age or over. In order to purchase products/services from the Website and in order to access/use some features on the Website, you may be required to establish and use an account. In addition to your name and contact information, you may be required to submit a valid credit card number, billing address, and related billing information in connection with your account. When you register for an account you must (i) provide accurate and truthful information, and (ii) update such information from time to time as necessary to keep your registration information current and accurate. By establishing an account, you represent and warrant you have the right and are authorized to provide the information you provide when you register for the account. You are responsible for maintaining the confidentiality of your account information and password and for restricting access to such information and to your computer. All activities that occur under your account or password shall be your responsibility.
All products, services, features and content available on or through the Website, including but not limited to prices and availability of such products and services, are subject to change and discontinuation at any time, in our sole discretion, without notice. The receipt of an e-mail order confirmation does not constitute acceptance of an order or a confirmation or an offer to sell. All orders are subject to TOMÁS SULLIVENT's review and approval. If TOMÁS SULLIVENT chooses to accept an order, such acceptance will be deemed upon shipment. We reserve the right, without prior notification, to limit the order quantity of any item and/or refuse service to any customer for any reason not prohibited by law.
The Website may contain links to other sites on the Internet that are owned and operated by third party vendors and other third parties (the "External Sites"). You acknowledge that TOMÁS SULLIVENT is not responsible for the unavailability of, or the content located on or through, any External Site. You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.
This Website is protected under copyright law and all rights reserved except as expressly provided herein. Individual documents, pages, or components may contain different copyright notices and/or additional proprietary notices.
If you believe that your work has been copied in a way that constitutes copyright infringement, please notify the TOMÁS SULLIVENT agent for notice of claims of copyright infringement ("Copyright Agent"), at:
Tomás Sullivent
Attn: General Council
6315 E. 102nd St.
Tulsa, Oklahoma. 74137
A copyright infringement complaint must be made in writing and include:
1. Identification of the copyrighted work claimed to have been infringed, or, list of such works;
2. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the Copyright Agent to locate the material (e.g., the URL);
3. Your name, address, telephone number, and email address at which you may be contacted;
4. A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
5. A statement that the information in the notification is accurate, and under penalty of perjury, that you are the owner of the exclusive right that is allegedly infringed or that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; and
6. Your physical or electronic signature.
Tomás Sullivent may limit access to or terminate user accounts who are deemed repeat infringers. Under Tomás Sullivent's policy, a 'repeat infringer' is any user who repeatedly fails to adhere to Tomás Sullivent's Terms of Use or local law by repeated submissions that infringe on other's rights.
YOU AGREE THAT USE OF THE WEBSITE IS ENTIRELY AT YOUR OWN RISK. NOTHING ON THIS WEBSITE SHOULD BE CONSIDERED AN OFFER. YOUR ORDER AND PAYMENT DO NOT CONSTITUTE A CONTRACT AND TOMÁS SULLIVENT RESERVES THE RIGHT TO CANCEL ANY SUCH ORDER AND PROVIDE A REFUND AS SET OUT HEREIN. THE WEBSITE IS PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS ARE EXPRESSLY DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. TO THE FULLEST EXTENT PERMITTED BY LAW, TOMÁS SULLIVENT DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS, ACCURACY, AND PERFORMANCE OF THE WEBSITE. TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE DISCLAIMS ANY WARRANTIES FOR OTHER SERVICES OR GOODS OFFERED BY THIRD PARTIES, RECEIVED THROUGH OR ADVERTISED ON THE WEBSITE, OR ACCESSED THROUGH ANY LINKS ON THE WEBSITE. TO THE FULLEST EXTENT PERMITTED BY LAW, TOMÁS SULLIVENT DISCLAIMS ANY WARRANTIES FOR VIRUSES OR OTHER HARMFUL COMPONENTS IN CONNECTION WITH THE WEBSITE. Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, some of the foregoing disclaimers may not apply to you insofar as they relate to implied warranties.
This disclaimer of warranties applies only to you use of the website and does not apply to Tomás Sullivent products. Information concerning warranties for Tomás Sullivent products can be found HERE.
LIMITATION ON LIABILITY AND INDEMNITY OF Tomás Sullivent
UNDER NO CIRCUMSTANCES SHALL TOMÁS SULLIVENT BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES (EVEN IF TOMÁS SULLIVENT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM YOUR MISUSE OF THE WEBSITE, FROM YOUR INABILITY TO USE THE WEBSITE, OR FROM THE INTERRUPTION, SUSPENSION, MODIFICATION, ALTERATION, OR TERMINATION OF THE WEBSITE. SUCH LIMITATION SHALL ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY REASON OF ANY THIRD-PARTY SERVICES OR PRODUCTS RECEIVED THROUGH OR ADVERTISED IN CONNECTION WITH THE WEBSITE OR ANY LINKS ON THE WEBSITE, AS WELL AS BY REASON OF ANY THIRD PARTY INFORMATION, ADVICE, OR ADVERTISEMENT RECEIVED THROUGH THE WEBSITE OR THROUGH ANY LINKS ON THE WEBSITE. THESE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. THE FOREGOING LIMITATIONS OF LIABILITY ARE APPLICABLE WITHIN THE STATE OF NEW JERSEY. IN ADDITION, CERTAIN OTHER jurisdictions DO not permit LIMITATIONS OF LIABILITY. In such jurisdictions, some of the foregoing limitations may not apply to you.
You agree to indemnify and hold Tomás Sullivent, its officers, subsidiaries, affiliates, successors, assigns, directors, officers, agents, service providers, vendors, suppliers and employees, harmless from any claim or demand, including reasonable attorney fees and court costs, made by any third party due to or arising out of your submissions; your third party event, website or organization; your Misuse of the Website; your violation of the Terms of Use; your breach of any of the representations and warranties herein; or your violation of any rights of another. The foregoing indemnification provision shall not apply to Tomás Sullivent's own negligence or intentional conduct.
This Website is operated, in whole or in part, from the United States. User access to this Website is governed by all applicable federal, state, and local laws. All information available on the Website is subject to U.S. export control laws and may also be subject to the laws of the country where you reside. All TOMÁS SULLIVENT products and publications are commercial in nature. Tomás Sullivent does not make any representations regarding the legality of access to or use of this Website or the information contained therein from other countries. Access in countries where the information contained herein or the products sold through this website are illegal is prohibited. Users who access this Website from outside of the United States do so at their own risk and are responsible for compliance with applicable US export and local country laws. By using this Website, regardless of where you live in the world, you consent to have your personal data transferred to and processed and collected in the United States in compliance with the privacy policy.
Any dispute or claim relating in any way to the Website and our services, any dealings with us and our customer service agents, any representations made by us, and/or your use of our websites (including without limitation claims relating to the breach of the Terms of Use, Privacy Policy or the unauthorized disclosure of personally identifiable information) will be resolved by binding arbitration, rather than in court, except that you may assert individual claims in small claims court if your claims qualify and so long as the matter remains in such court and advances only on an individual basis. This includes any dispute or claim you assert against our sister-brands, subsidiaries, affiliates and assigns. This also includes any dispute or claim that arose before you accepted these Terms of Use, regardless of whether prior versions of the Terms of Use required arbitration.
Unless you proceed with a small claims action, the Federal Arbitration Act and federal arbitration law will apply. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages) and must follow the terms of these Terms of Use as a court would.
If for any reason a claim proceeds in court rather than in arbitration, WE BOTH HEREBY WAIVE ANY RIGHT TO A JURY TRIAL.
ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless we both agree otherwise, the arbitrator may not consolidate more than one person's claims with your claims and may not otherwise preside over any form of a representative, consolidated, or class proceeding. If the requirements of this paragraph are found to be unenforceable, then the entirety of this arbitration provision shall be null and void except for the waiver of any right to a jury trial described in the previous paragraph.
Payment of all filing, administration, and arbitrator fees will be governed by the American Arbitration Association's ("AAA") rules, except as provided in this section. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
If a dispute arises, we strongly encourage you to first contact our Customer Service Department before starting arbitration or filing a claim in small claims court. We value our relationships with our customers and will try to resolve your claims informally and quickly.
If your dispute is not resolved by Customer Service, before beginning arbitration, please send written notice describing the claim to the Office of the General Counsel at the following address:
Tomás Sullivent
ATTN: General Counsel
6315 E. 102nd St.
Tulsa, Oklahoma, 74137
Email: email@example.com
If the claim has not been resolved within 30 days of sending the notice you may then commence an arbitration proceeding. The arbitration will be conducted by the AAA under its rules, including the AAA's Supplementary Procedures for Consumer-Related Disputes. The AAA's rules and forms are available at www.adr.org or by calling 877-495-4185.
To the fullest extent permitted by law, these Terms of Use and any claim or dispute arising out of or relating to our services, these Terms of Use, the PRIVACY POLICY, or your use of the Website, will be governed by and construed in accordance with the State of Oklahoma, without regard to its choice of law provisions, and not by the 1980 U.S. Convention on Contracts for the International Sale of Goods. Except as otherwise prohibited by law, any claim or dispute must be brought within one (1) year from the date the cause of action arises. Any claim or dispute arising out of or relating to our services, these Terms of Use, the Privacy Policy, or your use of the Website shall be subject to the exclusive jurisdiction of state or federal courts in Tulsa County in the State of Oklahoma and you hereby consent and submit to the personal jurisdiction of such courts. If any provision of these Terms of Use are held to be unlawful, or for any reason, unenforceable, that provision will be deemed severable and will not affect the validity and enforceability of the remaining provisions. These Terms of Use and the Privacy Policy constitute the entire agreement between you and Tomás Sullivent with respect to the subject matter of the Terms of Use and Privacy Policy.
If you have any questions about these Terms of Use, please contact Customer Service at 918-992-7774 or email us at email@example.com
© Tomás Sullivent All Rights Reserved | Designed by Sooner Marketing


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Student Activities
Accounting Society
Every fall, the Accounting Society co-hosts a career fair, at which students can meet representatives of firms interested in hiring Albion graduates or interns for jobs in public or corporate accounting. This group arranges student trips to visit businesses and CPA firms, sponsors professional workshops and speakers, facilitates information-sharing among students about academic and career planning, and provides professional networking opportunities at an annual spring banquet attended by many alumni.
Delta Sigma Pi
Albion's chapter of this co-ed business fraternity does volunteer work and provides networking opportunities.
Fed Challenge
The Fed Challenge is a competition in macroeconomic policy sponsored by the Federal Reserve Bank system. Teams of undergraduates from many schools each deliver a 20-minute presentation analyzing the economy and financial markets and making a monetary policy recommendation. Then, each team defends its presentation during 15 minutes of questioning by the economics professors who serve as judges. In November 2011, the Albion team won the regional competition in Chicago, surpassing teams from larger schools such as the University of Chicago, the University of Michigan, and the University of Wisconsin-Madison and headed to Washington D.C. for the National competition.
Economics and Management Investment Club
Students manage an investment portfolio, buying and selling real stocks. Profits are used to fund a scholarship for E&M majors. Investment Club members take an annual trip to Chicago to meet Albion alumni working in finance.
Omicron Delta Epsilon
This honorary organization recognizes scholastic attainment and outstanding achievements in economics.
Volunteer Income Tax Assistance (VITA) Program
Albion College student volunteers are trained by E&M accounting faculty to prepare income tax returns for low-income residents of the city of Albion and nearby communities. Students prepare over 200 returns each year—helping the community and gaining valuable experience working on actual tax returns.

subset: commoncrawl


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Top 3 General Contractors in Sarasota, FL
More General Contractors in Sarasota, FL
Frequently asked questions about general contractors
A general contractor oversees building and remodeling projects from start to finish. Their main priority is making sure that a project progresses according to the schedule, is on budget, and that all work is done properly. All other contractors and workers answer to the general contractor and they answer to the client who hired them.
Start by getting bids from different contractors. Bids lay out your expected cost and the extent of the project, including materials, labor, and when the project will be done. If you have a local contractor in mind, feel free to work with them in negotiating the terms of a bid, rather than putting out a competitive bid request. Terms typically outline payment installments, an expected timeline for milestones, and the expected outcome at each phase of the project.
Once you've signed the contract with the general contractor, they bring in the workers and begin on the project. Throughout the course of the project, the general contractor manages all workers and subcontractors. General contractors generally own or work for a company that handles one or two aspects of building and remodeling. Very few do framing, finishing, electrical, concrete, plumbing, and landscaping on their own. So, it's quite common for general contractors to outsource work from other companies. The general contractor handles the hiring of these subcontractors, as well as paying them and their own workers. You only have to worry about paying the general contractor.
Hiring multiple subcontractors for a job might seem more economical, but it would put much of the decision-making on you. What you might save in money may be offset by the amount of time and mental energy you'd have to put into the project. An experienced general contractor knows the ins and outs of the construction business. They understand how to structure a project and work with subcontractors to get projects completed safely, and on schedule. This leaves the day-to-day decisions to someone with more experience.
The licensing rules in some states require hiring a general contractor for certain projects. If the state doesn't require a general contractor in your case, it makes good sense to hire a licensed and insured local contractor.
General contractors live by their reputation. They work hard to build trust with their clients and honor that trust through their management of construction projects. Even if they never lift a hammer during the course of a job, they feel a great sense of ownership of the whole operation.
General contractors usually have a vast knowledge of local building codes. Their understanding of construction and people management helps all subcontractors to work together. They see how each piece fits together to make a completed project. Subcontractors may take a narrow view of their role, which could cause problems for other subcontractors working on the next step. General contractors work closely with their crews, subcontractors, and you to prevent costly miscommunication.
Whether you're hiring a home contractor to build your dream house or searching "general contractors in my area" to oversee a remodel project, you'll be working closely with whomever you choose.
When you get underway with your contractor, you'll begin by sorting out every possible detail. Before work begins, the contractor will work out a project plan with you. The project plan may include determining fixtures, finishes, and furnishings — to avoid any cost gaps in the initial bid. The more specific you are, the more realistic and accurate the bid will be.
Make sure it's OK to call or text your contractor throughout the day. Even if they aren't always available, they should provide you with contact information for a lead person or someone else you can discuss the project with. When possible, visit the job site. This gives the contractor or lead the opportunity to bring up any issues and ask any questions about specifics that weren't covered in the project plan.
It's also helpful to keep a project journal. Write down product order numbers. Jot down questions and ideas, and note delivery dates. This can make it easier to sort out any disputes that may arise later. Track any changes to the initial project plan in writing. If unforeseen changes occur, make sure to get a bid change in writing.
Other helpful tips:
- Check on work as it progresses
- Pay only for completed work
- Be a fair customer by paying bills on time, responding quickly to questions, and treating your contractor and their workers fairly
- Know the workers' names, and make sure they have what they need
- Establishing a good working relationship with your contractor from the beginning will lead to a more successful project
Some general contractors charge a flat fee. Most charge a markup, which is a percentage of the overall completed project cost. The markup amount covers their overhead, including advertising, insurance, office expenses, and their own salary. The contractor should outline all payments and expenses in the contract at the outset.
Contractors typically ask for a percentage of the total project cost upfront. This initial fee covers the cost of getting the project started, provides workers with their wages for the first phase of the construction, and helps serve as a deposit for the needed materials and supplies. Fifteen percent is a fair and decent initial payment for getting a project started. Most states cap this initial fee at 33%, and a good contractor should have good enough credit to cover remaining up-front costs.
After each phase or "milestone" gets completed, your contract will likely require you to pay more money toward the project. These installments are an expected part of the construction process to cover wages, additional supplies, and materials the contractor may need to continue. Even the most well-off contractor would quickly run out of money to move forward if they didn't include installment payments into their contracts.
A big project is a costly endeavor and a long-term investment. When choosing a general contractor, it makes sense to look beyond just the contractor's fee. Be sure to hire someone that can provide proof of licensing, insurance, and references. Take the time to look into their track record. A good general contractor will leave a trail of stellar online reviews, and when you talk to former clients, they'll have only good things to say. When you enter a project with a contractor, you need a pro you trust with your home, so it's wise to do your homework ahead of time to ensure a successful outcome.
Begin with a plan that lays out the scope of the remodeling work you want done. By the time you hire a contractor, you should have decided on materials, fixtures, appliances, and other items. If you've decided on any changes to the floor plan, be sure to add the specifics to your plan. The more details, the better. Add everything you can think of, down to the brass pulls for the kitchen cupboards.
Once you have this plan, start talking to contractors to get estimates and formal bids. Ask around for local contractor recommendations at your local hardware store, or go online and read client reviews. Good contractors tend to be very busy, so expect a waiting period from the time you contact them to the time they can start on the project. Be sure to seek out a contractor with experience in the job you need done. If you need a patio installed, scroll past them if they specialize in kitchens and baths.
When speaking to the contractor, make sure you're clear on which parts of the project the contractor will handle and which will go to a subcontractor. Ask for proof of licensing, insurance, and any relevant subcontractors' licenses. Check contractor credentials with your local Better Business Bureau.
Only sign a detailed contract, and be sure you understand every detail of the contract before signing. Be sure to get the proper permits for your project. A good contractor will be able to talk you through getting permits. In some places, contractors are able to get the permits themselves. Check in with the contractor regularly during the course of the project to avoid errors and miscommunication.
Searching online for "good general contractors near me" or getting referrals from a hardware or home improvement store is a first step to hiring a contractor. Take certain precautions before hiring a contractor to prevent costly headaches later on.
Begin by working with a professional architect or designer who's able to provide all the information a contractor will need. A designer or architect can also create the necessary drawings to submit for obtaining a permit. Include details like finishes, fixtures, plumbing work, electrical installations, and possible millwork.
Come up with a specifications list in advance. Write down the details of every element you want placed into the project, from the front door to the floor tiles that you want. Calculate to make sure all your selections fall within your budget and meet your personal requirements.
Make sure your contractor has the proper licensing and insurance. Check out a potential contractor's previous work. They should be able to offer examples. When you interview contractors, remember that you'll spend a lot of time working with this person. You need to feel you can trust them because unexpected situations are bound to come up. Perhaps you didn't consider what style of door handle you want for the master bathroom, or the carpet you selected for the living room is no longer available. These types of situations happen with any project, so do your best to remain patient throughout the construction process.
See to it that your contractor provides a timeline that they can stick to and that works with your needs. Get a list of subcontractors they use, and look into their history. Use careful consideration when choosing your contractor for the most successful outcome.
Be sure your general contractor is licensed and insured. They should have both contractor's liability insurance and worker's compensation insurance. An insured contractor will take responsibility for the project and for anything that happens at the worksite. Make sure their insurance covers any subcontractors or that they only work with insured third parties.
Ask for proof of insurance right away. Hiring an uninsured contractor may seem less expensive, but it could cost you down the road. In the event of a job-site injury or property damage, a properly insured contractor will shield you from potentially catastrophic costs. Depending on the state you live in, if a worker is injured on your property and their general contractor didn't carry the proper insurance, you might be liable for the cost of treating their injuries.
Homeowners' insurance policies cover property damage. Some also cover limited injury liability, but these policies have limitations. Even in the unlikely event that your policy covers 100 percent of liability, your premiums would most certainly go up. Contractors insurance ensures that you don't have to cover any costs unrelated to the project completion itself.
If a contractor is reliable, they'll be licensed and carry insurance, and if they don't have a license, no company will insure them. Proof of proper licensing and insurance is a sure sign of a reliable contractor.
Recent reviews for Sarasota General Contractors
Owens Construction and Inspection Services LLC was extremely great, thorough, and helpful. I am happy with the service they provided.
Owens Construction & Inspection Services LLC was extremely great, thorough, and helpful. I am happy with the service they provided.
Owens Construction & Inspection Services LLC was extremely great, thorough, and helpful. I am happy with the service they provided.
The inspection was great, I'm very happy with their service.
They did an exceptional job. I have every intention to use them again. Great service.
The Owens inspectors did a very detailed job!
Owens Construction & Inspection Services LLC was extremely great, thorough, and helpful. I am happy with the service they provided.
The inspector did a great job. He answered all of our questions and doubts we had. Very profesional, thorough and knowledgeable. Excelente job.
has a great personality. He was friendly and kind. Most of all very informative.
has a great personality. He was friendly and kind. Most of all very informative.
did a Great job, I was very happy with the Report. He was extremely thorough.
The inspector did a great job. He answered all of our questions and doubts we had. Very profesional, thorough and knowledgeable. Excelente job.
Everything You Need to Know About Sarasota General Contractors
Who are the best General Contractors in Sarasota?
We've found 50 general contractor providers that are available to you in Sarasota.
Keep in mind that every project has different requirements, and some general contractor professionals maybe be more equipped to handle the specifications of your general contractor services work than others. Talk to multiple general contractors before deciding which one is right for you. You will want to consider how much they charge, if they are properly licensed for general contractor services work in Sarasota, and if your project is a fit. Here are some suggested professionals and companies to get you started:
- MDE Consulting & Design Inc.
- Location: Sarasota
- R.J. LaBadie Construction, Inc
- Location: Sarasota
- Done Once Done Right Construction LLC.
- Location: Sarasota
What zip codes in Sarasota have the best General Contractors?
Below we've listed Sarasota zip codes that have great selections of general contractors:
What should I check for once my General Contractor in Sarasota has finished working?
Every general contractor services project is going to have different results, but here are a few things to check for once any general contractor services company has told you they've finished the job:
- Obviously you want to do a visual inspection. Even if you're unfamiliar with general contractor services work, this gives you the opportunity to ask questions (even basic ones like, what did you do?).
- Ask the general contractor to describe what they did. Whether your general contractor services project was a repair job or a building job, have them run you through what was done.
- Compare the description provided on your general contractor services project estimate to the work completed. Did the professional do what was promised?
- Request that the general contractor do a follow-up visit to check on the work. Most professionals are willing to do this, especially if you ask them.
All General Contractors in Sarasota, FL
Latest projects near Sarasota
I'm flexible


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Guyton School in the Jefferson-Chalmers Historic Business District and neighborhood in Detroit, Michigan, Wednesday, April 20, 2016.
On September 7, 2016, The National Trust for Historic Preservation gave the Jefferson-Chalmers neighborhood in Detroit's lower east side the distinction of a National Treasure. This is the first in the state of Michigan and the first project under the National Trust's ReUrbanism initiative. (Photo by Jeffrey Sauger )


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This article is more than 1 year old
Chaos in Sussex as 'bat monitor' mistaken for bomb
al-Qaeda jugular strike against A23 feared
Twitchy coppers brought paralysis to the roads and evacuated villagers from their homes after a piece of bat-detecting equipment was mistaken for a deadly terrorist bomb.
Presumably fearing that al-Qaeda had cunningly switched focus from central London to rural Sussex - perhaps in a bold attempt to lay Crawley under the heel of jihadi justice - local plods closed both lanes of the A23 at Pease Pottage and the A272 at Bolney for several hours, according to a report in The Argus. The Horsham Road at Handcross was also shut and traffic diversions set up. Drivers were advised to avoid the area because of traffic gridlock, and dozens of local residents had to take sanctuary in the parish hall.
Apparently the security operation was triggered by "a well-intentioned call by a member of the public," who had seen a suspicious package concealed under a bridge over the A23. An Army bomb-disposal unit was tasked in support of the police, and according to the Argus "blew up the package." However, Sussex police are quoted as saying that the soldiers had merely disrupted it, which does seem more plausible. It is routine for suspicious items to be shot with waterjet disruptors if robot cameras can't positively identify them as harmless.
It seems that this one really was harmless, however. The Highways Agency confirmed that it was "a bat box placed on the bridge as part of an ecological survey in advance of a roads scheme," rather than an infernal machine deployed by dark forces.
"We are working on ways to improve identification of our property to avoid a repeat of today's incident."
Sheila Wright, the secretary of Sussex Bat Group*, said: "We believe it was a bat detector and positive monitoring system."
Apparently the monitoring device was intended to check up on microchiroptera hanging around the bridge by monitoring their calls. It was worth £1,000 according to the Argus.
In keeping the good citizens of Sussex safe from a disabling terrorist infrastructure strike, the security forces seem to have temporarily disabled the local infrastructure to some degree: but that's normal. More seriously, the county's defences against the winged-bloodsucker threat have been seriously undermined.®
*Of course there's a Sussex Bat Group.


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Valentine Schmalentine
Despite your voting awesomeness, French Laundry at Home did not win Culinate's Death by Chocolate contest last week. That honor went to the very well deserving Cathy at NotEatingOutInNY.com. We love Cathy and her blog, so bravo to her! Your votes did, however, land me in the final Top Ten, so I was honored to be considered as a contender among some other pretty cool bloggers -- most of whom have done a hell of a lot more chocolate dishes than I have, so there you go.
As a special thank you for your vote-casting generosity, I toyed with the idea of making one of The French Laundry desserts last night, posting it today, and wishing you all an early happy Valentine's Day with lots of hearts and flowers, but then I came to my senses and remembered that I think Valentine's Day is actually kind of dumb (shouldn't we do nice things for the people we care about all year, instead of just on one day?), and changed my mind.
Nevertheless, love is in the air here at French Laundry at Home, oh yes it is... and by that, of course, I mean my undying love for all of you who come back to this site day after day wondering what kind of monkey business I've gotten myself into.
So, as thanks for how lovely and sexy and hilarious and dedicated and devoted you all are, I've got a little somethin' for ya' -- a contest.
But this time, it's not about you voting for me! (shocker, I know) It's about me GIVING to YOU. And, it's also a little bit about you telling us all something about yourself, because I'm looking for the sweetest as well as the most awful Valentine's Day experiences you've ever had.
Here's how we'll do it:
Between now and 12 noon ET on Friday, February 15th, use the comments section to share your best and worst Valentine's Day experiences. On Tuesday, February 19, I'll choose and post the top three best Valentine's Day experiences and the top three worst Valentine's Day experiences, and then I'll put them to a vote. Readers will have until 12 noon ET on Thursday, February 21st to vote for who they think should win, and I'll post the winning stories on Friday, February 22nd.
Little admin note here: you've gotta include your URL or email address because I have to be able to verify your entry somehow. Use a pseudonym if you need to -- that's cool with me. But anyone who just posts as "Anonymous" with no way to find you will not be considered, no matter how great the story. Also? Be honest in your storytelling. I have a really good CrapDetector™ and nonsense will not be tolerated (but passive voice obviously just was).
"Um, Carol? Before I put myself out there and potentially humiliate myself with a heinous story of the time I had explosive diarrhea in a public place and then my girlfriend got drunk and puked all over me after the Valentine's Day dinner I prepared for her," you may be thinking, "are there any freakin' prizes?"
The ":::sigh::: That's So Sweet" Award for best Valentine's Day story will receive a copy of The Professional Chef (8th ed.), courtesy of Wiley Publishing.
The "Cuts Like a Knife" Award for worst Valentine's Day experience will receive a set of six Laguiole steak knives, courtesy of me.
So, comments are open, and we're all ready and waiting. Even my boyfriend Mike Bloomberg awaits your Valentine's Day stories with great hopefulness and Americanosity:
So dreamy.
Alright, enough already. Click on "Post a Comment," get to writing and enjoy! For additional contest rules and regulations, please see below:
Net 9 carbs per serving. Do not puncture or incinerate. Active ingredient: yams. This was not a little ditty 'bout Jack and Diane. Consult your doctor or pharmacist before reading this, as it may interact with certain prescription drugs. 800-588-2300, Empiiiiiiiire. Carol™ is a registered trademark. For optimal results, apply to dry skin. Funds from deposits may not be available for immediate withdrawal. Items may contain traces of nuts. In olden days a glimpse of stocking was looked on as something shocking, now heaven knows, anything goes. Please form one line to the left. Do not take if you are experiencing a persistent cough with heavy phlegm. No animals were harmed during the writing of this. Any similarities to a person or persons, living or dead, is not intentional. The statements contained herein may constitute "forward-looking statements" within the meaning of the Private Securities Litigation Reform Act of 1995. Bright copper kettles and warm woolen mittens are not, nor have they ever been, a few of my favorite things. You may use this as an exfoliant or mask. Sale prices good through 2/15/08. 867-5309. If symptoms persist for two weeks, seek medical attention. Do not read this while operating heavy machinery. Do not use near open flame. All sales final. Lather, rinse, repeat.


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(1) H and (13) C NMR-based sugar profiling with chemometric
analysis and antioxidant activity of herbhoneys and honeys
J Sci Food Agric, 2014 Jan 30;94(2):246-55
Herbhoneys, relatively new bee products, are expected to
have interesting medicinal properties. However, there is still a lack of data
concerning their composition and antioxidant properties. (1) H and (13) C NMR
spectroscopy coupled with chemometric analysis (PCA and PLS-DA) and antioxidant
assays (DPPH-ESR and ORAC-FL) were used to study 25 samples of Polish
herbhoneys and honeys.
Antioxidant activity varied among the samples. The best
properties were exhibited by cocoa and instant coffee herbhoneys. The contents
of total polyphenols and total carotenoids in the studied samples were found to
be 70-1340 mg GAE kg(-1) and 0-28.05 mg kg(-1) respectively. No significant
differences between herbhoney and honey samples were found in their sugar
profiles. The PCA of (13) C NMR spectra of the samples in DMSO-d6 resulted in
sample clustering due to sucrose content.
Herbhoneys have similar antioxidant properties to
traditional honeys, being therefore of equal nutritional value. There was a
noticeable influence of the extract concentration on the observed antioxidant
effect. For samples with high antioxidant activity, polyphenols were
responsible for the observed effect. Sample clustering due to sucrose content
in the NMR-PCA study allowed effortless detection of adulteration.


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Largo Boat and Yacht Management Services
In the sparkling waters of Florida's Gulf Coast, boats slice through the water—the sleek lines and elegant forms of luxury yachts dot the horizon. Welcome to Largo's active boating community!
At Ocean Life Yacht Services, we specialize in yacht management services that ensure your vessel's utmost care and maintenance. Our company provides unmatched attention to detail, maintenance, and administration, guaranteeing your vessel remains in excellent condition.
Our services at Ocean Life Yacht Services extend far beyond maintenance. Our holistic approach to vessel management can ease the stress and responsibility of yacht or boat ownership. From routine cleaning to advanced engine maintenance, our team of seasoned professionals is here to certify that every detail is attended to on behalf of our members and clients.
Your yacht is a significant financial investment and often a source of pride, so we tailor our services to meet each client's preferences. Whether you require personalized yacht management services, crew management, or engine maintenance, Ocean Life Yacht Services stands ready to assist you in your yachting experience so that you can dedicate each moment you spend on the water to relaxing with your friends and family.
Call Ocean Life Yacht Services at (727) 788-4016 to learn more about our complete yacht management services.
Yacht Care Tailored for Our Members
In the Gulf waters, where the gentle breeze mingles with the rhythm of the waves, your yacht deserves a service befitting its grandeur.
Our yacht care solutions are crafted to address your vessel's unique needs, including everything from thorough cleaning to crew staffing.
We recognize that each yacht has its personality and requirements, so our approach to yacht maintenance is as distinct as the vessels we service.
From regular upkeep to comprehensive yacht concierge services, our team ensures your yacht is maintained and cherished.
Yacht Operations and Administration
Effective yacht management means handling everything from the crew and finances to the yacht's condition. Ocean Life Yacht Services, a leader in this field, offers skilled help in all areas of yacht management. Our company in Largo is dedicated to providing full services, whether for one yacht or a whole fleet. We use organized and top-notch methods to handle all your yachting needs with great attention and skill.
Expert Yacht and Boat Repair Services
At Ocean Life Yacht Services, we prioritize the integrity and performance of your vessel above all else. Our expertise goes beyond surface-level repairs, offering comprehensive yacht and boat repair services. Recognizing each vessel's unique situation and needs, our specialized team tackles every challenge with precision and dedication. Whether structural repairs or aesthetic remodeling, we guarantee that every yacht and boat entrusted to us is in seaworthy condition. Our commitment to excellence in yacht and boat repair is reflected in our approach, which includes advanced diagnostics, expert craftsmanship, and premium materials. Let Ocean Life Yacht Services rejuvenate your vessel, ensuring your time on the water is enjoyed and cherished.
Yacht and Boat Cleaning Services
At Ocean Life Yacht Services, we understand that your yacht or boat is more than a vessel—it serves as a sanctuary on the water. Our yacht and boat cleaning services are designed to maintain and ensure the highest standards of cleanliness.
We employ dedicated cleaning professionals who examine every nook and cranny, ensuring no spot is missed. From the deck to the cabin, our cleaning methods use the finest eco-friendly products and techniques, safeguarding your health and the marine environment. Entrust your vessel to Ocean Life Yacht Services and experience the transformation as we restore its sparkle and shine, leaving your yacht gleaming.
Exclusive Yacht and Boat Crew Services by Ocean Life Yacht Services
Along with the beauty of your vessel, the caliber of your crew has a profound effect on the success of your yachting experience. Ocean Life Yacht Services understands this balance and offers exclusive yacht crew services to ensure your maritime adventures are luxurious and stress-free.
Our tough hiring process considers a candidate's professionalism and skill, attitude, experience, and ability to improve every guest's time onboard. Whether you need experienced captains, talented chefs, or careful stewards, we customize our crew services to meet your needs.
With Ocean Life Yacht Services, your crew will be top-notch, meeting the highest standards of service, safety, and privacy. Let us take care of the small stuff so you can enjoy the unique pleasure of yachting, confident that capable people are looking after your boat.
Yacht and Boat Delivery and Relocation Services
At Ocean Life Yacht Services, we know how important planning is when it comes to transporting your vessel from one locale to another. We offer yacht and boat moving services that focus on the owner's needs, making moving your yacht from one place to another easy.
Whether changing locations for the season or starting a new sea journey, our expert team ensures your vessel gets to where it needs to go safely and without any problems. We take care of everything from checking the boat before we leave to navigating, and we keep you updated the whole way. With Ocean Life Yacht Services, moving your yacht or boat is simple: let you plan your next trip instead of worrying about moving. Count on us to move your valuable boat with the care, skill, and attention it needs.
Yacht and Boat Engine Maintenance Services
The performance and reliability of your yacht or boat's engine is essential. Ocean Life Yacht Services offers engine maintenance services to keep your vessel operating at peak performance. Our team of marine mechanics specializes in diagnosing, repairing, and maintaining a wide range of engines for your yacht or boat, applying the latest techniques and technologies. We understand the complexities of marine engines and are committed to extending the lifespan and enhancing your vessel's performance. Whether routine maintenance or intricate repairs, Ocean Life Yacht Services provides a comprehensive approach to engine care, ensuring your time on the water is enjoyable and uninterrupted. Trust us to keep your yacht or boat's heart beating strongly, propelling you to your next seafaring adventure with confidence and peace of mind.
A Partnership Anchored in Trust
At Ocean Life Yacht Services, our relationship with clients transcends conventional service – it's a mutual commitment to excellence in yachting. Choosing us for your yacht management needs means partnering with a dedicated ally in the maritime industry. Our dedication to quality is evident in every service we offer, from superyacht management to marine asset management. We invite you to experience the Ocean Life Yacht Services standard and discover how our customized yacht management services can elevate your maritime lifestyle.
Set Sail with Confidence with Ocean Life Yacht Services
The complexities of yacht management require a knowledgeable and experienced hand. Our Largo yacht services company is a trusted partner in your yachting adventure. We encourage you to reach out and schedule a free consultation call at (727) 788-4016 to learn more about how our bespoke yacht management solutions can support your nautical experiences.
Discover unparalleled yacht management with Ocean Life Yacht Services—where your maritime needs meet our commitment to excellence. Call Ocean Life Yacht Services at (727) 788-4016 to discuss your consultation with Ocean Life!


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Kate plus eight — six years later. TLC announced Tuesday, March 18 that it will be bringing back the reality TV family — minus dad Jon Gosselin — on its network for a one-hour special slated to air this summer.
"In 2007, viewers first fell in love with one of the most talked about families in reality television history," the network shared of the Gosselin family in its press release. Indeed, the Pennsylvania-based family rapidly rose to fame as the popular series chronicled two parents raising eight kids — twins Cara and Mady, now 13, and sextuplets, Alexis, Hannah, Aaden, Collin, Leah, and Joel, age 9.
Jon & Kate Plus 8 ended in 2011, but the couple dominated headlines for their offscreen antics, particularly their bitter public divorce back in 2009.
The TLC special will get Jon & Kate fans "up to speed" on what has changed for the family since the show ended. The network also promises to reveal how much the kids have grown, and will also feature Kate's evolving life and career. Finally, TLC will take a "look back" at the most memorable and "poignant family moments" experienced by the Gosselin brood since 2011.
There was no mention of Jon Gosselin's name, nor did it say if the 36-year-old father of eight will be featured on the special. Since the show ended, Jon has firmly held his ground and spoken out against his children being on reality TV. He did, however, return to reality TV on his end back in January for VH1's Couples Therapy with girlfriend Liz Janetta.
Couples Therapy has shown the former TLC star embroiled in fiery conflicts with his ex-wife. In one episode, Gosselin unleashed an F-bomb laced rant about his "narcissistic" ex-wife, saying that "she can go and f—ing die." He added, "There's your honest depiction of Kate Gosselin." He also went on a rant following his twin girls' controversial Today show appearance back in January.
Kate will also make her return to reality TV in season 14 of Celebrity Apprentice. The upcoming season of the NBC boardroom-based reality show will film this spring, where she'll star opposite Brandi Glanville, Ludacris, and Atlanta Housewives star Kenya Moore.
The TLC special of the Gosselin family will air in June.


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Tabernacle Baptist Church, Penarth is committed to protecting all information that we handle about people we support and work with, and to respecting people's rights around how their information is handled. This policy explains our responsibilities and how we will meet them. It was approved and adopted by the Church Meeting on 21st May 2018.
Section A – What this policy is for
1. Policy statement
1 Tabernacle Baptist Church, Penarth is committed to protecting personal data and respecting the rights of our data subjects; the people whose personal data we collect and use. We value the personal information entrusted to us and we respect that trust, by complying with all relevant laws, and adopting good practice.
We process personal data to help us:
maintain our list of church members and regular attenders;
provide pastoral support for members and others connected with our church;
contact those people who have asked to be kept informed of relevant church activities and events;
provide services to the community including youth and children's groups, CAP clients, foodbank users and others groups who access or use our building;
safeguard children, young people and adults at risk;
recruit, support and manage staff and volunteers;
maintain our accounts and records and maintain financial records of giving for tax purposes;
promote our [goods and] services and
respond effectively to enquirers and handle any complaints.
1.1 This policy has been approved by the church's Charity Trustees who are responsible for ensuring that we comply with all our legal obligations. It sets out the legal rules that apply whenever we obtain, store or use personal data.
2. Why this policy is important
2.1 We are committed to protecting personal data from being misused, getting into the wrong hands as a result of poor security or being shared carelessly, or being inaccurate, as we are aware that people can be upset or harmed if any of these things happen.
2.2 This policy sets out the measures we are committed to taking as an organisation and, what each of us will do to ensure we comply with the relevant legislation.
2.3 In particular, we will make sure that all personal data is:
a. processed lawfully, fairly and in a transparent manner;
b. processed for specified, explicit and legitimate purposes and not in a manner that is incompatible with those purposes;
c. adequate, relevant and limited to what is necessary for the purposes for which it is being processed;
d. accurate and, where necessary, up to date;
e. not kept longer than necessary for the purposes for which it is being processed;
f. processed in a secure manner, by using appropriate technical and organisational means;
g. processed in keeping with the rights of data subjects regarding their personal data.
3. How this policy applies to you & what you need to know
3.1 As an employee, trustee or volunteer processing personal information on behalf of the church, you are required to comply with this policy. If you think that you have accidentally breached the policy it is important that you contact our Data Protection [Officer/Trustee] immediately so that we can take swift action to try and limit the impact of the breach.
Anyone who breaches the Data Protection Policy may be subject to disciplinary action, and where that individual has breached the policy intentionally, recklessly, or for personal benefit they may also be liable to prosecution or to regulatory action.
3.2 As a data subject of Tabernacle Baptist Church: We will handle your personal information in line with this policy.
3.3 As an appointed data processor/contractor: Companies who are appointed by us as a data processor are required to comply with this policy under the contract with us. Any breach of the policy will be taken seriously and could lead to us taking contract enforcement action against the company, or terminating the contract. Data processors have direct obligations under the GDPR, primarily to only process data on instructions from the controller (us) and to implement appropriate technical and organisational measures to ensure a level of security appropriate to the risk involved.
3.4 Our Data Protection Trustee is responsible for advising Tabernacle Baptist Church, Penarth and its staff and members about their legal obligations under data protection law, monitoring compliance with data protection law, dealing with data security breaches and with the development of this policy. Any questions about this policy or any concerns that the policy has not been followed should be referred to them at:
3.5 Before you collect or handle any personal data as part of your work (paid or otherwise) for Tabernacle Baptist Church, Penarth, it is important that you take the time to read this policy carefully and understand what is required of you, as well as the organisation's responsibilities when we process data.
3.6 Our procedures will be in line with the requirements of this policy, but if you are unsure about whether anything you plan to do, or are currently doing, might breach this policy you must first speak to the Data Protection Trustee.
Section B – Our data protection responsibilities
4. What personal information do we process?
4.1 In the course of our work, we may collect and process information (personal data) about many different people (data subjects). This includes data we receive straight from the person it is about, for example, where they complete forms or contact us. We may also receive information about data subjects from other sources including, for example, previous employers or through references/testimonials.
4.2 We process personal data in both electronic and paper form and all this data is protected under data protection law. The personal data we process can include information such as names and contact details, education or employment details, and visual images of people.
4.3 In some cases, we hold types of information that are called "special categories" of data in the GDPR. This personal data can only be processed under strict conditions.
'Special categories' of data (as referred to in the GDPR) includes information about a person's: racial or ethnic origin; political opinions; religious or similar (e.g. philosophical) beliefs; trade union membership; health (including physical and mental health, and the provision of health care services); genetic data; biometric data; sexual life and sexual orientation.
4.4 We will not hold information relating to criminal proceedings or offences or allegations of offences unless there is an overarching safeguarding requirement to process this data for the protection of children and adults who may be put at risk in our church. This processing will only ever be carried out on advice from the Ministries Team of the Baptist Union of Great Britain or our Regional Association Safeguarding contact person.
4.5 Other data may also be considered 'sensitive' such as bank details, but will not be subject to the same legal protection as the types of data listed above.
5. Making sure processing is fair and lawful
5.1 Processing of personal data will only be fair and lawful when the purpose for the processing meets a legal basis, as listed below, and when the processing is transparent. This means we will provide people with an explanation of how and why we process their personal data at the point we collect data from them, as well as when we collect data about them from other sources.
How can we legally use personal data?
5.2 Processing of personal data is only lawful if at least one of these legal conditions, as listed in Article 6 of the GDPR, is met:
a. the processing is necessary for a contract with the data subject;
b. the processing is necessary for us to comply with a legal obligation;
c. the processing is necessary to protect someone's life (this is called "vital interests");
d. the processing is necessary for us to perform a task in the public interest, and the task has a clear basis in law;
e. the processing is necessary for legitimate interests pursued by Tabernacle Baptist Church, Penarth or another organisation, unless these are overridden by the interests, rights and freedoms of the data subject.
f. If none of the other legal conditions apply, the processing will only be lawful if the data subject has given their clear consent.
How can we legally use 'special categories' of data?
5.3 Processing of 'special categories' of personal data is only lawful when, in addition to the conditions above, one of the extra conditions, as listed in Article 9 of the GDPR, is met. These conditions include where:
a. the processing is necessary for carrying out our obligations under employment and social security and social protection law;
b. the processing is necessary for safeguarding the vital interests (in emergency, life or death situations) of an individual and the data subject is incapable of giving consent;
c. the processing is carried out in the course of our legitimate activities and only relates to our members or persons we are in regular contact with in connection with our purposes;
d. the processing is necessary for pursuing legal claims.
e. If none of the other legal conditions apply, the processing will only be lawful if the data subject has given their explicit consent.
5.4 Before deciding which condition should be relied upon, we may refer to the original text of the GDPR as well as any relevant guidance, and seek legal advice as required.
What must we tell individuals before we use their data?
5.5 If personal data is collected directly from the individual, we will inform them about; our identity/contact details, the reasons for processing, and the legal bases, explaining our legitimate interests, and explaining, where relevant, the consequences of not providing data needed for a contract or statutory requirement; who we will share the data with; if we plan to send the data outside of the European Union; how long the data will be stored and the data subjects' rights.
This information is commonly referred to as a 'Privacy Notice'.
This information will be given at the time when the personal data is collected.
5.6 If data is collected from another source, rather than directly from the data subject, we will provide the data subject with the information described in section 6.5 as well as: the categories of the data concerned; and the source of the data.
This information will be provided to the individual in writing and no later than within 1 month after we receive the data, unless a legal exemption under the GDPR applies. If we use the data to communicate with the data subject, we will at the latest give them this information at the time of the first communication.
If we plan to pass the data onto someone else outside of Tabernacle Baptist Church, Penarth, we will give the data subject this information before we pass on the data.
6. When we need consent to process data
6.1 Where none of the other legal conditions apply to the processing, and we are required to get consent from the data subject, we will clearly set out what we are asking consent for, including why we are collecting the data and how we plan to use it. Consent will be specific to each process we are requesting consent for and we will only ask for consent when the data subject has a real choice whether or not to provide us with their data.
6.2 Consent can however be withdrawn at any time and if withdrawn, the processing will stop. Data subjects will be informed of their right to withdraw consent and it will be as easy to withdraw consent as it is to give consent.
7. Processing for specified purposes
7.1 We will only process personal data for the specific purposes explained in our privacy notices (as described above in section 6.5) or for other purposes specifically permitted by law. We will explain those other purposes to data subjects in the way described in section 6, unless there are lawful reasons for not doing so.
8. Data will be adequate, relevant and not excessive
8.1 We will only collect and use personal data that is needed for the specific purposes described above (which will normally be explained to the data subjects in privacy notices). We will not collect more than is needed to achieve those purposes. We will not collect any personal data "just in case" we want to process it later.
9. Accurate data
9.1 We will make sure that personal data held is accurate and, where appropriate, kept up to date. The accuracy of personal data will be checked at the point of collection and at appropriate points later on.
10. Keeping data and destroying it
10.1 We will not keep personal data longer than is necessary for the purposes that it was collected for. We will comply with official guidance issued to our sector about retention periods for specific records.
10.2 Information about how long we will keep records for can be found in our Data Retention Schedule.
11. Security of personal data
11.1 We will use appropriate measures to keep personal data secure at all points of the processing. Keeping data secure includes protecting it from unauthorised or unlawful processing, or from accidental loss, destruction or damage.
11.2 We will implement security measures which provide a level of security which is appropriate to the risks involved in the processing.
Measures will include technical and organisational security measures. In assessing what measures are the most appropriate we will take into account the following, and anything else that is relevant:
a. the quality of the security measure;
b. the costs of implementation;
c. the nature, scope, context and purpose of processing;
d. the risk (of varying likelihood and severity) to the rights and freedoms of data subjects;
e. the risk which could result from a data breach.
11.3 Measures may include:
a. technical systems security;
b. measures to restrict or minimise access to data;
c. measures to ensure our systems and data remain available, or can be easily restored in the case of an incident;
d. physical security of information and of our premises;
e. organisational measures, including policies, procedures, training and audits;
f. regular testing and evaluating of the effectiveness of security measures.
12. Keeping records of our data processing
12.1 To show how we comply with the law we will keep clear records of our processing activities and of the decisions we make concerning personal data (setting out our reasons for those decisions).
Section C – Working with people we process data about (data subjects)
13. Data subjects' rights
13.1 We will process personal data in line with data subjects' rights, including their right to:
a. request access to any of their personal data held by us (known as a Subject Access Request);
b. ask to have inaccurate personal data changed;
c. restrict processing, in certain circumstances;
d. object to processing, in certain circumstances, including preventing the use of their data for direct marketing;
e. data portability, which means to receive their data, or some of their data, in a format that can be easily used by another person (including the data subject themselves) or organisation;
f. not be subject to automated decisions, in certain circumstances; and
g. withdraw consent when we are relying on consent to process their data.
13.2 If a colleague receives any request from a data subject that relates or could relate to their data protection rights, this will be forwarded to our Data Protection Trustee immediately.
13.3 We will act on all valid requests as soon as possible, and at the latest within one calendar month, unless we have reason to, and can lawfully extend the timescale. This can be extended by up to two months in some circumstances.
13.4 All data subjects' rights are provided free of charge.
13.5 Any information provided to data subjects will be concise and transparent, using clear and plain language.
14. Direct marketing
14.1 We will comply with the rules set out in the GDPR, the Privacy and Electronic Communications Regulations (PECR) and any laws which may amend or replace the regulations around direct marketing. This includes, but is not limited to, when we make contact with data subjects by post, email, text message, social media messaging, telephone (both live and recorded calls) and fax.
Direct marketing means the communication (by any means) of any advertising or marketing material which is directed, or addressed, to individuals. "Marketing" does not need to be selling anything, or be advertising a commercial product. It includes contact made by organisations to individuals for the purposes of promoting the organisation's aims.
14.2 Any direct marketing material that we send will identify Tabernacle Baptist Church, Penarth as the sender and will describe how people can object to receiving similar communications in the future. If a data subject exercises their right to object to direct marketing we will stop the direct marketing as soon as possible.
Section D – working with other organisations & transferring data
15. Sharing information with other organisations
15.1 We will only share personal data with other organisations or people when we have a legal basis to do so and if we have informed the data subject about the possibility of the data being shared (in a privacy notice), unless legal exemptions apply to informing data subjects about the sharing. Only authorised and properly instructed [staff/Trustees] are allowed to share personal data.
15.2 We will keep records of information shared with a third party, which will include recording any exemptions which have been applied, and why they have been applied. We will follow the ICO's statutory Data Sharing Code of Practice (or any replacement code of practice) when sharing personal data with other data controllers. Legal advice will be sought as required.
16. Transferring personal data outside the European Union (EU)
16.1 Personal data cannot be transferred (or stored) outside of the European Union unless this is permitted by the GDPR. This includes storage on a "cloud" based service where the servers are located outside the EU.
16.2 We will only transfer data outside the EU where it is permitted by one of the conditions for non-EU transfers in the GDPR
Section E – Managing change & risks
17. Data protection impact assessments
17.1 When we are planning to carry out any data processing which is likely to result in a high risk we will carry out a Data Protection Impact Assessment (DPIA). These include situations when we process data relating to vulnerable people, trawling of data from public profiles, using new technology, and transferring data outside the EU. Any decision not to conduct a DPIA will be recorded.
17.2 We may also conduct a DPIA in other cases when we consider it appropriate to do so. If we are unable to mitigate the identified risks such that a high risk remains we will consult with the ICO.
17.3 DPIAs will be conducted in accordance with the ICO's Code of Practice 'Conducting privacy impact assessments'.
18. Dealing with data protection breaches
18.1 Where staff or volunteers, [or contractors working for us], think that this policy has not been followed, or data might have been breached or lost, this will be reported immediately to the Data Protection Trustee.
18.2 We will keep records of personal data breaches, even if we do not report them to the ICO.
18.3 We will report all data breaches which are likely to result in a risk to any person, to the ICO. Reports will be made to the ICO within 72 hours from when someone in the church becomes aware of the breach.
18.4 In situations where a personal data breach causes a high risk to any person, we will (as well as reporting the breach to the ICO), inform data subjects whose information is affected, without undue delay.
This can include situations where, for example, bank account details are lost or an email containing sensitive information is sent to the wrong recipient. Informing data subjects can enable them to take steps to protect themselves and/or to exercise their rights.
Schedule 1 – Definitions and useful terms
The following terms are used throughout this policy and have their legal meaning as set out within the GDPR. The GDPR definitions are further explained below:
Data controller means any person, company, authority or other body who (or which) determines the means for processing personal data and the purposes for which it is processed. It does not matter if the decisions are made alone or jointly with others.
The data controller is responsible for the personal data which is processed and the way in which it is processed. We are the data controller of data which we process.
Data processors include any individuals or organisations, which process personal data on our behalf and on our instructions e.g. an external organisation which provides secure waste disposal for us. This definition will include the data processors' own staff (note that staff of data processors may also be data subjects).
Data subjects include all living individuals who we hold or otherwise process personal data about. A data subject does not need to be a UK national or resident. All data subjects have legal rights in relation to their personal information. Data subjects that we are likely to hold personal data about include:
a. the people we care for and support;
b. our employees (and former employees);
c. consultants/individuals who are our contractors or employees working for them;
d. volunteers;
e. tenants;
f. trustees;
g. complainants;
h. supporters;
i. enquirers;
j. friends and family;
k. advisers and representatives of other organisations.
ICO means the Information Commissioners Office which is the UK's regulatory body responsible for ensuring that we comply with our legal data protection duties. The ICO produces guidance on how to implement data protection law and can take regulatory action where a breach occurs.
Personal data means any information relating to a natural person (living person) who is either identified or is identifiable. A natural person must be an individual and cannot be a company or a public body. Representatives of companies or public bodies would, however, be natural persons.
Personal data is limited to information about living individuals and does not cover deceased people.
Personal data can be factual (for example, a name, address or date of birth) or it can be an opinion about that person, their actions and behaviour.
Privacy notice means the information given to data subjects which explains how we process their data and for what purposes.
Processing is very widely defined and includes any activity that involves the data. It includes obtaining, recording or holding the data, or carrying out any operation or set of operations on the data including organising, amending, retrieving, using, disclosing, erasing or destroying it. Processing can also include transferring personal data to third parties, listening to a recorded message (e.g. on voicemail) or viewing personal data on a screen or in a paper document which forms part of a structured filing system. Viewing of clear, moving or stills images of living individuals is also a processing activity.
Special categories of data (as identified in the GDPR) includes information about a person's:
a. Racial or ethnic origin;
b. Political opinions;
c. Religious or similar (e.g. philosophical) beliefs;
d. Trade union membership;
e. Health (including physical and mental health, and the provision of health care services);
f. Genetic data;
g. Biometric data;
h. Sexual life and sexual orientation.
Schedule 2 – ICO Registration
Data Controller: Tabernacle Baptist Church, Penarth
Registration Number: Z643811X
Date Registered: 6th November 2002
Registration Expires: 5th November 2018
Address: Tabernacle Baptist Church
Plassey Street
Vale of Glamorgan


text:
Child Abuse Head Injuries Increased During Recession, Study Finds
Despite earlier reports that child abuse did not increase during the economic recession of 2007 to 2009, a new study finds that at least one measure of abusiveness went up in several areas of the U.S. during that time.
Abusive head trauma (AHT), or head injuries from abuse in children, became more common in three geographic areas in the U.S. during the hard times of the recession compared with the years prior, according to a study published today (Sept. 19) in the journal Pediatrics. The study can't prove that the hard times caused the increased injury rate, but the study researchers found the data troubling.
"The presence of an association between the economy and the AHT rate should be sufficient to spur a discussion of specific stressors," they wrote in their report. Physicians might want to think of recessions as times when abuse is more likely, they wrote, much like doctors would keep a close eye out for red-flag symptoms during a disease outbreak.
Abuse in hard times
Led by Rachel Berger, a professor of pediatrics at Children's Hospital of Pittsburgh, the study researchers gathered data on abusive head trauma in children under the age of 5 in three geographic regions: six counties near Seattle, Wash., 23 counties in western Pennsylvania, and 45 counties in Ohio and northern Kentucky.
The counties were chosen because each was served by only one trauma center and each had a trained child abuse protection team made up of the same staff members over the five-and-a-half year study period. Those safeguards ensured that no children in the counties fell through the cracks because they had visited other trauma centers, and also that staff changes in the child abuse team didn't change the way abuse was measured.
Between Jan. 1, 2004, and June 30, 2009, 422 kids in all three regions were diagnosed with abusive head trauma. About three-quarters were under the age of 1. (Abusive head trauma can occur when someone shakes a young baby, rattling the child's brain against his or her skull. AHT can also occur after a child is dropped or hit.)
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Alarmingly, the rates of abuse went up when the United States entered an economic recession between Dec. 1, 2007, and June 30, 2009, despite the fact that the demographics of the treated kids didn't change. [Read: The History of Human Aggression]
Before the recession, the researchers found, 8.9 in every 100,000 kids received head trauma from abuse. During the recession, that number rose to 14.7 in every 100,000 kids. Head injuries not caused by abuse remained stable throughout the whole study.
Watching out for child abuse
Although this study can't definitively prove that the recession caused the additional trauma, there is precedent to the theory that economic stress makes child abuse worse. A 1981 study published in the journal Child Development found that abuse went up when unemployment did. Five years later, a study in the journal Child Abuse and Neglect found the same phenomenon.
The current study found no link between local unemployment rates and abusive head trauma, but economic data on unemployment doesn't take into account underemployment or people who have given up on finding work, the researchers wrote. Job loss can mean spending more time with children, raising the risk of abuse, they wrote, and inexperienced caregivers may suddenly find themselves taking care of children full-time.
The results are in contrast to two reports, in 2008 and 2009, by the Administration on Children, Youth and Families, which did not detect an increase in child abuse during the recession. Those reports were based on substantiated abuse cases from Child Protective Services (CPS), which may not capture the same level of maltreatment as doctors reporting medical diagnoses in the hospital, Berger and her colleagues wrote. It's also possible that overall abuse fell, but abusive head trauma went up, for unknown reasons.
The researchers argue that their results should be taken as a wake-up call for doctors treating potential child abuse cases in hard times.
"If other regions of the country have seen similar increases," they wrote, "this result would correspond to hundreds, if not thousands, of excess AHT cases."
The research was funded by the Matty Eappen Foundation, a foundation dedicated to preventing abusive head trauma.
You can follow LiveScience senior writer Stephanie Pappas on Twitter @sipappas. Follow LiveScience for the latest in science news and discoveries on Twitter @livescience and on Facebook.
Stephanie Pappas is a contributing writer for Live Science, covering topics ranging from geoscience to archaeology to the human brain and behavior. She was previously a senior writer for Live Science but is now a freelancer based in Denver, Colorado, and regularly contributes to Scientific American and The Monitor, the monthly magazine of the American Psychological Association. Stephanie received a bachelor's degree in psychology from the University of South Carolina and a graduate certificate in science communication from the University of California, Santa Cruz.


text:
ROME — A Vatican investigation into ex-Cardinal Theodore McCarrick has found that bishops, cardinals and popes downplayed or dismissed reports that he slept with seminarians. But the 400-plus-page report determined that Pope Francis merely continued his predecessors' naive handling of the predator until a former altar boy alleged abuse.
The Vatican took the extraordinary step Tuesday of publishing its two-year investigation into the American prelate's rise and fall to restore credibility to the U.S. and Vatican hierarchies, which have been shattered by the McCarrick scandal.
Francis defrocked McCarrick, 90, last year after a Vatican investigation confirmed decades of allegations that the successful church fundraiser had sexually molested adults as well as children.


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