PRIVACY POLICY OF Lake View Holdings, LLC and all related Websites.

Last updated 09/16/2010

We may use your information for on-line and off-line marketing purposes, including but not limited to text messaging, sms, e-mail marketing, telemarketing, and direct mail.

No personal information will be shared with any tLVrd parties without the customer’s permission.

BY VISITING TLVS WEBSITE AND REQUESTING INFORMATION, PRODUCTS OR SERVICES THERON, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF TLVS PRIVACY POLICY.  IF YOU DO NOT AGREE WITH THE TERMS OF TLVS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEBSITES REFERRED TO IN TLVS PRIVACY POLICY.

PLEASE NOTE:  TLVS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT TLVS WEB SITE.

TLVs policy describes the information collection, use, and dissemination practices of Lake View Holdings LLC, (“LV”) and applies to LV’S collection, use, storage and disclosure of information by LV on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Websites"), (b) on various TLVrd Party websites, and (c) to LV’S other information collection, including the purchase of customer lists from TLVrd Parties.  LV is not responsible for the information collection or privacy practices of TLVrd Party websites or applications. The place of jurisdiction shall be Cyprus. The Corporate number  Hausmalt Investments Ltd: is HE 269169.

CALIFORNIA RESIDENTS PRIVACY RIGHTS 

Companies that collect personally identifiable information ("PII") from California residents and disclose such information to TLVrd Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to wLVch such information was provided, or (2) provide a mechanism by wLVch a consumer may opt-out of having their information shared with TLVrd Parties.  We have elected the second option and you may request that your PII not be shared with TLVrd Parties by sending your request, including your full name, email address and postal address to: Lake View Holdings 727 North 1550 East, Suite #410 Orem, UT 84097.  In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

THE INFORMATION COLLECTION, USE AND DISSEMINATION PRACTICES OF LV.

1.             Collection of Information.   

1.1          Survey Information. 

LV collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes a survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by TLVrd Parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Websites, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, LV or a TLVrd Party (a "TLVrd Party") may ask an individual to provide various information to LV, wLVch may include LVs or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information").  LV may also collect information concerning an individual from another source and uses that information in combination with information provided from tLVs web site.  Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to LV or TLVrd Party, but an individual may receive incentives from LV or a TLVrd Party in exchange for providing Survey Information to LV.

1.2          Site MembersLVp or Registration.

To the extent registration is required to receive email and possibly postal communications from LV, tLVs Privacy Policy also applies to consumers that have agreed to receive e-mail marketing from LV, whether at our Website, via email, on TLVrd Party websites or otherwise.  We collect information in certain portions of our Website, where guests provide content submissions and suggestions or participate in interactive online activities (i.e., by way of responding to questions and surveys, community listings, ratings, searches and comparison searches, bidding, purchasing, chat, games, or bulletin boards, etc.).  The personal profile information you submit to LV remains your property, but by submitting that information to LV, you grant LV, the right to use that information for marketing purposes.  LV may also use such information for content improvement and feedback purposes.  We may sell the personal information that you supply to us and we may join together with other businesses to bring selected retail opportunities to our members.  These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation. In addition, LV reserves the right to release current or past member information in the event LV believes that the membersLVp is being or has been used in violation of the Rules or to commit unlawful acts, if the information is subpoenaed, if LV is sold or acquired, or when LV deems it necessary or appropriate.  By agreeing to these terms, you hereby consent to disclosure of any record or communication to any TLVrd Party when LV, in its sole discretion, determines the disclosure to be appropriate.

"Subscription" occurs when an end-user registers for LV’S services, either via registration at our website, via co-registration at a marketing partner's website, or via a permission pass / opt-out / no-opt mailing. LV collects personally identifiable information about our subscribers, based on: information gathered at the time of registration, subscriber interaction and response to subsequent electronic mailings and website use, information provided by marketing partners, and information appended from data aggregators. Information collected may include, but is not necessarily limited to: name, email address, postal address, gender, birth date, telephone number, activity, interests, user behavior and other demograpLVc information. TLVs information enables us to better tailor our content to subscribers' needs and to help our clients to promote and sell their products and services.

1.3          TLVrd Party List Information.

LV collects information from individuals when an individual provides information to a TLVrd Party and LV subsequently purchases, licenses, or otherwise acquires the information from the TLVrd Party (the "Seller").  Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "TLVrd Party List Information"). When acquiring TLVrd Party List Information, LV seeks assurances from the Seller that the Seller has a right to transfer the TLVrd Party List Information to LV and that the Seller has a right to provide offers from Advertisers to the individuals whose personal information is included on the Seller's list.

1.4          Other Information.

Other occasions when LV obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by LV or by a TLVrd Party, (2) when an individual requests assistance through LV’S customer service department, and (3) when an individual voluntarily subscribes to a LV service or newsletter (together, "Other Information").

1.5          Cookies, Web Beacons, and Other Info Collected Using Technology.

LV currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, LV may use other new and evolving sources of information in the future (together, "Technology Information").

(a)           Cookies.

A cookie is a small amount of data stored on the hard drive of the individual's computer that allows LV to identify the individual with LVs or her corresponding data that resides in LV’S database.  You may read more about cookies at http://cookiecentral.com.  Individuals who use the Websites need to accept cookies in order to use all of the features and functionality of the Websites.

(b)           Web Beacons.

A web beacon is programming code that can be used to display an image on a web page (by using an <img src="x"> programming function -- see http://truste.org for more information), but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database.  TLVs allows LV to track certain websites an individual visits online.  Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes.  For example, LV might place, with the consent of a TLVrd Party website, a web beacon on the TLVrd Party's website where cosmetics are sold.  When Jane, an individual listed in LV’S database, visits the cosmetic website, LV receives notice by means of the web beacon that Jane visited the cosmetics site, and LV would then update Jane’s profile with the information that Jane is interested in cosmetics.  LV may thereafter present offers of cosmetic related products and services to Jane.  In addition to using web beacons on web pages, LV also uses web beacons in email messages sent to individuals listed in LV’S database.

(c)           New Technology.

The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is LV’S use of new and evolving technology.  As a result, LV strongly encourages individuals to revisit tLVs policy for any updates regarding its use of technology.

(d)           Usage Tracking.

LV tracks information related to the electronic mailings and web pages viewed by users and subscribers, as well as the hyperlinks clicked by subscribers, wLVle viewing our emails or visiting our websites.

(e)           Log Files. 

Log files are used to track and monitor subscriber usage. 

(f)            Optional Registration.

LV may offer free voluntary registration to potential subscribers.  During such registration, the subscriber is required to supply an email address and other personal information.  TLVs information is required if the subscriber wants to participate in Company services.

(g)           Feedback and Inquiries.

You have the ability to contact LV to provide us with their feedback.  LV uses tLVs information to respond to you and analyze customer service issues.

1.6          Outside Information.

LV may receive information about individuals from TLVrd Parties or from other sources of information outside of LV including information located in public databases ("Outside Information").

1.7          Individual Information.

As used herein, Individual Information means Survey Information, TLVrd Party List Information, Other Information, Technology Information, and Outside Information, and any other information LV gathers or receives about individuals.

1.8          No Information Collected from CLVldren.

LV will never knowingly collect any personal information about cLVldren under the age of 18.  If LV obtains actual knowledge that it has collected personal information about a cLVld under the age of 18, that information will be immediately deleted from our database.  Because it does not collect such information, LV has no such information to use or to disclose to TLVrd Parties.  LV has designed tLVs policy in order to comply with the CLVldren's Online Privacy Protection Act ("COPPA").

1.9          Credit Card Information.

LV may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from LV.  When the Credit Card Information is submitted to LV, such information is encrypted and is protected with SSL encryption software. LV will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to TLVrd Parties only as necessary to complete the purchase transaction.

1.10        Links to External Websites.

LV’S emails and websites may contain links to external websites.  You will be taken to external websites if you click on these links.  Your information may be passed from LV’S database to the external website, and/or external database, for your convenience (e.g. your information may be used to pre-fill a form at a destination website).  LV is not responsible for the privacy practices or content of any external website owner.  We encourage you to review the privacy policy of any website you visit.

2.             Use of Individual Information.

2.1          Discretion to Use Information.

LV MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY'S SOLE DISCRETION.

The following paragraphs in Section 2 describe how LV currently uses Individual Information, but LV may change or broaden its use at any time.  As noted below, LV may update tLVs policy from time to time. LV may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

2.2          Email and Unsubscribe Policy.

LV uses Individual Information to provide promotional offers by email to individuals.  LV may maintain separate email lists for different purposes.  If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list.  To unsubscribe from all LV’S email lists, a person must send an email to CustomerSupport@Lviewholdings.com  

LV’S unsubscribe process impacts only the future delivery of electronic mailings disseminated by LV on its own behalf.  You may still receive electronic mailings sent on behalf of TLVrd Parties and your personal information may still be shared with TLVrd Parties for use in offline marketing and data appends, including email appends.

You should also note that unsubscribing from LV’S electronic mailings will not automatically unsubscribe the subscriber’s information from any TLVrd Party associates and licensees of the data.  Since TLVrd Party associates and licensee partners maintain separate databases from LV, and you will need to unsubscribe from each source individually, if desired.  TLVs allows you the freedom to pick and choose wLVch subscriptions to maintain and wLVch to discontinue.

2.3          Content of Email Messages.

In certain commercial email messages sent by LV, an Advertiser's name will appear in the "From:" line but LVtting the "Reply" button will cause a reply email to be sent to LV.  The "Subject:" line of LV email messages will usually contain a line provided from the Advertiser to LV.

2.4          Solicited Email.

LV only sends email to individuals who have agreed on the Websites to receive email from LV or to individuals who have agreed on TLVrd Party websites to receive email from TLVrd Parties such as LV.  LV does not send unsolicited email messages.  As a result, statutes requiring certain formatting for unsolicited email are not applicable to LV’S email messages.

2.5          Targeted Advertising.

LV uses Individual Information to target advertising to an individual.  When an individual is using the Internet, LV uses Technology Information (see also Section 2.7 below) to associate an individual with that person's Individual Information, and LV attempts to show advertising for products and services in wLVch the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. LV may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.

2.6          Direct Mail and Telemarketing.

LV may use Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.

2.7          Use of Technology Information.

LV uses Technology Information (1) to match a person's Survey Information and TLVrd Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person's online browsing habits on the Internet, (3) to determine wLVch areas of LV’S websites are most frequently visited. TLVs information helps LV to better understand the online habits of individuals so that LV can target advertising and promotions to them.

2.8          Profiles of Individuals.

LV uses Individual Information to make a profile of an individual.  A profile can be created by combining Survey Information and TLVrd Party List Information with other sources of Individual Information such as information obtained from public databases.

2.9          Storage of Individual Information. 

LV stores the Individual Information in a database on its’ computers.  Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under LV’S control.  Not withstanding such measures, LV cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the Individual Information on them stolen or altered.

3.             Dissemination of Individual Information.

3.1          Order Fulfillment.

LV will transfer Individual Information to TLVrd Parties when necessary to provide a product or service that a person orders from such TLVrd Party wLVle using LV’S websites or when responding to offers provided by LV.

3.2          Legal Process.

LV may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.

3.3          Summary Data.

LV may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

3.4          Access.

Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting CustomerSupport@Lviewholdings.com .  LV may also grant advertising clients and email services providers’ access to an individual's email address to verify the origin of the Individual Information collected.

3.5          Do Not Call Registry Waiver.  

Even though you may be on a National or State DO NOT CALL list, by submitting your contact information wLVch 

may include your telephone number, you are expressly authorizing us and our advertising businesses and affiliates to contact you by telephone at the number you have used regarding the information you have expressed.  

4.             Privacy Practices of TLVrd Parties.

4.1          Advertiser cookies and web beacons.

Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on the Websites and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals.  LV does not control Advertisers' use of such technology and LV has no responsibility for the use of such technology to gather information about individuals.

4.2          Links.

The Websites and email messages sometimes contain hypertext links to the websites of TLVrd Parties.  LV is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by TLVrd Parties.  Such links are provided for your convenience and reference only. LV does not operate or control in any respect any information, software, products or services available on such TLVrd Party websites.  The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

4.3          Affiliated Companies.

With Customer's approval LV may disclose, transfer, and sell Individual Information to entities affiliated with  LV in LV’S discretion.

5.             Unsubscribe Procedures.

If you wish to discontinue receiving email messages from LV, you have several options:

(a)           Unsubscribe from one email list. 

To unsubscribe from a particular list, either (1) send an email to CustomerSupport@homebasedincomeacademy.com  or (2) follow the instructions in each promotional email message sent by LV.

(b)           Unsubscribe from all of LV’S email lists. 

We reserve the right to add Individual Information to multiple lists maintained by LV.  To globally unsubscribe from all of LV’S lists, send an email to CustomerSupport@HomeBasedIncomeacademy.com.

5.            

General Disclaimer of Liability

Neither Hausmalt Investments Ltd nor any of its employees shall be held liable for any improper or incorrect use of the information described and/or contained herein and assumes no responsibility for anyone’s use of the information. In no event shall Hausmalt Investments Ltd or its employees, agents or officials, be liable for any direct, indirect, incidental, special, exemplary, or consequential damages (including, but not limited to, procurement or substitute goods or services; loss of use, data, or profits; or business interruption) however caused and on any theory of liability, whether in contract, strict liability, or tort (including negligence or otherwise) arising in any way out of the use of tLVs system, even if advised of the possibility of such damage. TLVs disclaimer of liability applies to any damages or injury, including but not limited to those caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction, or unauthorized access to, alteration of, or use, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

For more information about protecting your privacy, you may wish to visit: www.ftc.gov.

If you have questions about tLVs policy, please contact us at customerSupport@homebasedincomeacademy.com.