"We desperately tried to refinance our rental home loan with several lenders, but were declined due to the rental income not meeting the required debt service ratio. Duncan Law was able to get us a loan modification at a very low rate. We are forever grateful to Duncan Law for their excellent work and highly recommend their services to anyone who wishes to protect their property and hard-earned investments. "
- Joan and Matt K. | TestimonialDUNCAN LAW | DUNCAN TAX
www.duncanlawcorp.com PRIVACY POLICY and LEGAL DISCLAIMER
Last Updated: February 11, 2014
This web site is not intended to be a solicitation or to provide legal advice. Use of this web site does not create an attorney-client relationship. Emailing from this web site does not create an attorney-client relationship. Deadlines are fatal to your legal rights and remedies and it is imperative that you speak with an attorney as soon as possible. This web site is for informational purposes only.
1. INTRODUCTION
AGREEMENT AND PARTIES, Duncan Law | Duncan Tax (“Company,” “us,” or “we”) respects the privacy of the visitors to the Duncan Law | Duncan Tax website (“website” or “site”). This privacy policy (“privacy policy” or “policy”) is an agreement between Duncan Law | Duncan Tax and you, as the user of the Duncan Law | Duncan Tax website (“you”). This agreement tells you when this policy is effective, what information we collect from you, how we might use it, how you can review or change the personal information you provided to us, how we may change this policy, and the steps we take to ensure that your personal information is protected.
Use of this web site and materials presented is for general information purposes only to permit you to learn more about our firm, services and attorneys. The information presented is NOT legal advice, is not to be acted on as such and is subject to change without notice. Communication through this web site and your receipt does NOT constitute an attorney-client relationship, is NOT intended for solicitation and is NOT a substitute for obtaining legal advice. The hiring of an attorney should not be based solely upon web site communications or advertisements.
2. AGREEMENT TO TERMS OF PRIVACY POLICY AND TERMS OF USE
AGREEMENT TO TERMS. All activities in which you may engage on this website are voluntary. You are not required to provide any personal information to us unless you choose to access features on this site which require the information. If you do not agree with the terms of this policy or other terms of use on this website, then you should immediately exit this website and discontinue using the site. If you do not agree with the terms of our privacy policy and our terms of use posted at www.duncanlawcorp.com, please do not provide us with personal information, and leave this website. The terms of use of this site are expressly incorporated herein by reference and made a part of this policy. By using the Duncan Law | Duncan Tax website, you signify that you agree to the terms of this privacy policy as well as to our terms of use.
3. EFFECTIVE DATE OF AND CHANGES TO PRIVACY POLICY
EFFECTIVE DATES. This privacy policy is effective as of February 1, 2014, and will remain in effect except with respect to any of its provisions that are changed in the future, in which case the changes will become effective on the date they are posted on the website or we otherwise notify you of the changes. We reserve the right to change this privacy policy at any time. Changes, modifications, additions, or deletions will be effective immediately on their posting to this site. You should check this policy periodically as its terms may change from time to time. Your continued use of the site after we post any such modifications will constitute your acknowledgment of the modified policy and your agreement to abide and be bound by the modified policy. We will also revise the “last updated” date found at the beginning of this privacy policy when we post changes to it.
4. POLICY APPLICABLE TO ONLINE ACTIVITIES ONLY
DISCLAIMERS. The privacy policy does not extend to anything that is inherent in the operation of the Internet, and therefore beyond Duncan Law | Duncan Tax’s control, and is not to be applied in any manner contrary to applicable law or governmental regulation. This online privacy policy only applies to information collected through this site. This privacy policy does not apply to any information we may collect from you in any place other than this website.
5. PERSONAL INFORMATION WE MAY COLLECT
TYPES OF INFORMATION COLLECTED. We may ask you for certain information referred to on this site as “personal information,” which includes information that pertains to your identity. Such information may include, but is not limited to, items such as your name, address, date of birth, age, gender, e-mail address, telephone number, or credit card or debit card number. You may be required to provide personal information to access or use certain parts of our website or features of the site. If you do not provide the requested personal information, you may not be able to access or use the features of the site where such information is requested.
6. GENERAL INFORMATION WE MAY COLLECT
TYPES OF INFORMATION COLLECTED. There may be other instances in which we collect information from you that is more general in nature (“general information”). Such information may include your Internet Protocol (IP) address, which enables us to identify your computer or device on a Transmission Control Protocol/Internet Protocol (TCP/IP) network, which includes the World Wide Web. Your computer has an IP address, which is required in order for you to communicate with others via the Internet. Such general information, including the click stream data and cookies, as mentioned below, may be collected from you whenever you access the site, whether or not you provide us with any personal information.
6.1. Click Stream Data
When you visit our website we may also collect “click stream data” (server address, domain name). This information can be combined with information you have provided to us by registering, for example, which will enable us to analyze and better customize your visits. We may use click stream data for traffic analysis or e-commerce analysis of our website, to determine which features of our site are most or least effective or useful to you.
6.2. Cookies
We may also use cookies to gather information about your visits to our website and enhance your experience. More information on how we use cookies is available in the section “Use of Cookies.”
7. GENERAL INFORMATION ABOUT YOU
USE OF GENERAL INFORMATION. We will primarily use the personal information you provide and any general information we receive from you to provide products and services to you, including, but not limited to, the following:
A. To administer a content promotion survey or other site and to provide you with the relevant products or services (for example, to deliver a prize you may have won in a contest).
B. To send you information or materials via e-mail about products, offers, and news we think might interest you. This information may relate to products, offers, and news of Duncan Law | Duncan Tax or its licensees or selected commercial partners. We send you this only if you have double-opted-in to receive e-mails from Duncan Law | Duncan Tax. If you no longer wish to receive any e-mails from us, or if you want to modify your personal data or want your personal data to be deleted from our database, see Section 12.
C. To analyze visits to the website and learn about the interests of our visitors in aggregate and also on a personal level to better understand your interests and needs, so we can improve our products and services and deliver to you the type of content, features and promotions that you are most interested in.
8. PROTECTION OF YOUR PERSONAL INFORMATION AND GENERAL INFORMATION
8.1. Security Measures
In order to protect both the personal information and the general information that we receive from you through our website, we have implemented various security measures. Although we use security that we believe is appropriate to protect the limited personal information disclosed to us on this web site, we do not guarantee that our security precautions will protect against and we expressly disclaim any liability for any loss, misuse, or alteration of your information or from your access to or use of our information.
8.2. Risk of Interception
Please keep in mind, however, that whenever you give out personal information online there is a risk that third parties may intercept and use that information. While Duncan Law | Duncan Tax strives to protect your personal information and privacy, we cannot guarantee the security of any information you disclose online. By using this site, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this site and that any personal information, general information, or other data or information received from you through the site is provided to us at your own risk, which you expressly assume.
9. NO USE OF THIS SITE BY PERSONS UNDER 18 PERMITTED
9.1. Registration Declined
Duncan Law | Duncan Tax intends only persons who are 18 years or older to use this website. Personal registration information submitted by a person under the age of 18 will not be accepted. Any general information provided by a person under the age of 18 and gathered (for example, through the use of cookies) during his or her visit may be used as indicated in this policy (see Section 6). Duncan Law | Duncan Tax is committed to protecting the privacy of children and has no intention of collecting personal data from children under the age of 18. We encourage parents and guardians of children under 18 to regularly check and monitor their children’s use of e-mail and other activities online.
9.2. Notice Concerning Children
PLEASE NOTE: We are a general audience site, and do not direct any of our content specifically at children under 13 years of age. We understand and are committed to respecting the sensitive nature of children’s privacy online. If we learn or have reason to suspect that a site user is under age 13, we will promptly delete any personal information in that user’s account.
10. THIRD PARTIES
10.1. Sharing Information With Persons or Entities Who Manage This Website
Duncan Law | Duncan Tax’s global and local websites and the personal information and general information collected are managed and controlled by Duncan Law | Duncan Tax located at 2281 Lava Ridge Court, Suite 200, Roseville, CA 95661. The servers that make Duncan Law | Duncan Tax’s global and local websites available are located at the same location. If you are located outside of the United States, please note that the information you provide will be transferred to Duncan Law | Duncan Tax, and by submitting the information you authorize this transfer. Duncan Law | Duncan Tax has entered into an agreement with the hosting company in location to provide safeguards for the protection of your data that are consistent with this policy.
10.2. Disclosing Information to Third Parties
WHO MAY HAVE ACCESS TO YOUR INFORMATION. Other than to the companies belonging to Duncan Law | Duncan Tax for the purposes set out above, and except as described in this policy, we do not sell, trade, or otherwise transfer your personal information or general information to third parties without informing you in advance. We provide some of our services through contractual arrangements with affiliates, services providers, partners and other third parties (collectively, “service partners”). Our service partners may use your personal information to operate our sites and to deliver their services. For example, your data may be transferred to website hosting partners and other parties who assist us in designing and operating the website, executing services (such as for prize fulfillment), or helping us analyze collected data. These parties will only use your data for the purpose of carrying out the work as agreed with us and will be required to keep the information confidential. We will encourage our service partners to adopt and post privacy policies. However, the use of your personal information by our service partners is governed by the privacy policies of those service partners and is not subject to our control.
10.3. Security
RELEASE OF INFORMATION. Duncan Law | Duncan Tax will release personal or general information without your consent for security purposes, when required by law, or to prevent imminent harm to any person or entity. We will disclose personal or general information upon receipt of a court order or subpoena, or to cooperate with a law enforcement investigation, which may include responding to requests and court orders from jurisdictions outside the United States. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful, as determined in our sole discretion. Release of your personal data for security purposes, as described in this agreement to any person or entity under any circumstances shall be based on a determination made solely by us, exercising our own discretion, permission for which is expressly granted by you to us in accordance with this policy.
10.4. Links to Third Parties
PURPOSE OF LINKS. For your convenience and to improve the usage of the website we may insert links to third parties on this site. This privacy policy does not apply to such third party websites. These links take you outside our service and off the Duncan Law | Duncan Tax’s site and are beyond our control. This includes links from partners that may use Duncan Law | Duncan Tax’s logos as part of a co-branding agreement. The sites those links can take you to have their own separate privacy policy and although we seek to protect the integrity of our site, Duncan Law | Duncan Tax is not liable for the content and activities of those sites. Your visits and access to such websites is at your own risk. Please note that those other sites may send their own cookies to users, collect data, or solicit personal information.
11. AUTOMATIC COLLECTION
COOKIES. A cookie is a small string of information that the website you visit transfers to your computer for identification purposes. Cookies can be used to follow your activity on the website and that information helps us to understand your preferences and improve your website experience. Cookies are also used for such activities as remembering your user name and password, if you use such a feature on this site. You can turn off all cookies, in case you prefer not to receive them. You can also have your computer warn you whenever cookies are being used. For both options you have to adjust your browser settings (such as Mozilla, Firefox, or Internet Explorer). There are also software products available that can manage cookies for you. Please be aware, however, that when you choose to reject cookies, this choice may limit the functionality of the website you visit and you may lose access to some of its features.
12. DELETING OR MODIFYING PERSONAL INFORMATION
CHANGING YOUR INFORMATION. You may cancel your registration at any time, and you may opt out of receiving any e-mails from Duncan Law | Duncan Tax. Additionally, you can choose to have all your personal information deleted from our database. We encourage you promptly to update your personal information when it changes.
13. QUESTIONS OR COMMENTS
CONTACT INFORMATION. If you have any questions or comments relating to our website or the privacy policy, write Attn: DLDT Privacy Compliance, 2281 Lava Ridge Court, Suite 200, Roseville, CA 95661.
