Privacy Policy


Last Revised: Aug 3, 2017

Thank you for visiting this web site owned by Better Life Resources. We understand the importance that Internet users place on privacy, and this Privacy Policy describes how we use personal information that is collected at this web site.

Please read this Privacy Policy before using this site or submitting any personal information. California residents, please also see the “Note To California Residents” Section for additional rights that apply to you.

By using this web site, you accept the privacy practices contained in this Privacy Policy. These privacy practices may change from time to time, but any changes will be posted. You are encouraged to review the Privacy Policy whenever you visit the web site to make sure you understand how any personal information you provide will be used.

Personally Identifiable Information

In order to serve our customers, we collect personally identifiable information, like names, addresses, phone numbers, email addresses, and sometimes credit card information when such information is voluntarily submitted by our visitors. We will only use your personal information for the following purposes: (1) to deliver the products and/or services to you that you have requested; (2) to validate your compliance with the terms and conditions; (3) for content improvement and feedback purposes; (4) to reach you, when necessary, regarding your use of the web site or product(s); and (5) for the few situations described below to better serve you.

In order to better serve our customers and to provide you with other offers that may interest you, we reserve the right to share your personally identifiable data with our commonly owned companies.

We will NEVER share your personally identifiable information with third parties unless you have given us explicit permission to do so, such as in order to fulfill a third party offer that you have accepted from us. However, by permitting us to collect this information, you will be able to receive information on other products and services that may be of interest to you, including related third party offers that we may send directly to you. You also enable us to personalize your experience with us so that we can provide you with the highest quality of service.

By submitting your email address on this web site, you agree to receive email from us (Better Life Resources), as well as our other commonly owned companies. You can cancel your participation in any of these email lists at any time by clicking the opt-out link or other unsubscribe option that is included in the respective email. We only send emails to people who have authorized us to contact them, either directly, or through a third party. We do not send unsolicited commercial emails, because we hate spam as much as you do.

By participating in one of our membership programs, you agree and understand that other members of the program may see the comments, questions, photos, and/or other documents that you post on the membership site, as well as any responses to you that are posted by Better Life Resources or other members. If you do not want your personal details revealed to other members of the program, then please do not post any such information through the membership site.

In addition, you agree that by submitting your telephone contact information on this web site and/or registering to receive the product and/or service offered herein, such act constitutes a purchase, an inquiry, and/or an application for the purposes of the Amended Telemarketing Sales Rule (ATSR), 16 CFR ‘310 et seq. and any applicable state and local “do not call” regulations. We retain the right to contact you via telemarketing in accordance with the ATSR and the applicable state regulations.

Non-Personally Identifiable Information

We also may collect various types of non-personally identifiable information to help us make your experience more enjoyable, measure site activity to identify future improvements that should be made, and compile aggregate data to help serve site visitors better.

For example, we may use session and persistent “cookies,” session logs, web beacons, GIF/pixel tags, banner ads, third-party click tracking analytics tools (such as Google Analytics), third party retargeting networks that may display our advertisements to you on other sites that you visit to remind you about us, and third party networks that serve user-requested emails (e.g., for a refer-a-friend email) to collect non-personally identifiable or other aggregated information about site visitors. This information is used to provide measurement services and target ads.

Cookies are text files that are used by your computer’s web browser to store your preferences, and enable us to enhance your user experience with our web site.

Emails or newsletters that we send electronically may use techniques such as web beacons or pixel tags to gather email metrics and information to improve the reader’s experience, such as the number of emails that are opened, whether they were forwarded or printed, the type of device from which they were opened, and the location (e.g. city, state, and county) associated with the applicable IP address.

If you visit this site with an open ID (such as Facebook), you may also be sharing and integrating data with third-party social media sites, and we may track aggregate data about the number of visits to this site with an open ID, the number of items “liked” on this site, or items on this site that you choose to share with a third-party social media site.

Other parties such as advertising partners and analytics companies may also be collecting information about your online activity across various websites over time. The information collected by those third parties may include identifiers that allow those third parties to tailor the ads that they serve to your computer or other device.

Because there is not yet a common understanding of how to interpret web browser-based “Do Not Track” signals other than cookies, we do not currently respond to “Do Not Track” signals that are undefined.

Please note that you do have the option to configure most web browsers to NOT accept cookies. However, be aware that disabling cookies may keep you from having access to some functions or services on our web site or the web-hosted software that runs on our web site. You also have the option to access a mechanism for exercising such choice at the following websites: http://www.aboutads.info/choices and http://www.youronlinechoices.eu/.

Third Party Actions

We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies, but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.

Children’s Privacy

We do not knowingly intend to collect personally identifiable information from children under 18 years of age. If your minor child has provided us with personally identifiable information, you may contact us at support@betterliferesources.com if you want this information deleted from our records. We will then make reasonable efforts to remove your child’s information from the database that stores the information.

IP Addresses

We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.

Third Party Web Sites

This web site and/or the products and/or services offered herein may direct you to web sites that are owned and/or controlled by third parties. We have no control over those third parties and are not responsible for the content or the privacy practices of those sites or companies.

Commitment to Data Security

All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential.

We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the Internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.

Contacting Us

If you need to contact us, you can email us at support@betterliferesources.com, or send a letter to: 3044 Bardstown Rd #1135, Louisville, KY 40205. We strive to provide excellent products, along with equally excellent customer service. If you have any questions about this Privacy Policy or our practices, please feel free to contact us using one of the methods listed above.

Note To California Residents

If you live in the State of California, under the California Civil Code, you have the right to request that companies who conduct business in California provide you with a list of all third parties to which the company has disclosed Personal Information during the preceding year for direct marketing purposes.

Alternatively, the law provides that if a company has a Privacy Policy that gives either an opt-out (often referred to as “unsubscribe”) or opt-in choice for use of your Personal Information by third parties (such as advertisers or affiliated companies) for marketing purposes, that the company may instead provide you with information on how to exercise your disclosure choice options.

This Site qualifies for the alternative option; it has a comprehensive Privacy Policy and provides you with details on how you may either opt-out or opt-in to the use of your Personal Information by third parties for direct marketing purposes. Therefore, we are not required to maintain or disclose a list of the third parties that received your Personal Information for marketing purposes during the preceding year.

If you are a California resident and want to request information about how to exercise your third party disclosure choices, you must send a request to the following address with a preference on how our response to your request should be sent (email or postal mail). Please send an email to the Privacy Administrator at support@betterliferesources.com, or you may contact us via regular mail at: 3044 Bardstown Rd. #1135, Louisville, KY 40205

All requests sent via regular mail must be labeled “Your California Privacy Rights” on the envelope or post card and clearly stated on the actual request. For all requests, please include your name, street address, city, state, and zip code. Please include your zip code for our own record-keeping.

We do not accept requests via the telephone or by facsimile. We are not responsible for notices that are not labeled or sent improperly, or do not have complete information.

Disclaimer

 

Last Revised: 08/08/2017
Thank you for visiting BetterLifeResources.com (hereinafter “this web site”).
Better Life Resources, Its owners (including, but not limited to Peter Thull), officers, directors, employees, subsidiaries, affiliates, licencors, service providers, and agents (hereinafter “Better Life Resources”) are NOT financial advisers, and nothing contained on this web site or part of the membership program is intended to be financial advice. Better Life Resources is NOT an investment advisory service, NOT an investment adviser, and does NOT serve as a financial adviser or provide personalized financial advice in any way. 
Furthermore, the services, strategies, information, and/or products offered by Better Life Resources on this web site, through the membership program, and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result, nor are they intended to be interpreted as recommendations to purchase any specific financial product.

The education and information presented by Better Life Resources is intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, fiduciary, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other adviser.

In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisers may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, we cannot guarantee your success or income level, nor are we responsible for any of your actions.

Any and all forward-looking statements on this web site, membership program, and/or in any of our products are intended to express our opinion of the earnings potential that some people may achieve. To the extent that we included any case studies or testimonials on this site, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.

Even though Better Life Resources makes no guarantees that you will achieve any particular result from using this information, you can still take advantage of Better Life Resources'  refund policy if you are not completely satisfied. In such instances, you can request a refund according to the terms and timelines indicated in the refund policy described in the Terms and Conditions section on this site.
Better Life Resources may derive fees or other compensation as a result of purchases from service providers or vendors that are recommended from this site and/or membership program.
YOU FULLY AGREE AND UNDERSTAND THAT BETTER LIFE RESOURCES IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU.
YOUR USE OF THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. BETTER LIFE RESOURCES DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANT-ABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. BETTER LIFE RESOURCES DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM. BETTER LIFE RESOURCES ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM.
BETTER LIFE RESOURCES WILL NOT BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR DAMAGES, EVEN IF BETTER LIFE RESOURCES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF BETTER LIFE RESOURCES TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO BETTER LIFE RESOURCES FOR THE INFORMATION, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.
UNDER NO CIRCUMSTANCES WILL BETTER LIFE RESOURCES BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE AND/OR MEMBERSHIP PROGRAM. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
The life insurance rates shown are estimates based on the information you provided. This is not an illustration of life insurance. This is not an offer of life insurance. This quick quote system is for rate comparisons only. We have made every reasonable effort to assure the accuracy of this information. However, we make no warranties or guarantees to the accuracy of this information. While we strive to maintain an accurate database of current rates, human error can occur and therefore we cannot guarantee accuracy. While it is our goal to give you the most accurate quote possible, your actual premium will be determined by the carrier you choose, after the underwriting process has been completed, and may differ from your original quote. Many states require NAIC compliant insurance carrier illustrations; please refer to specific carriers for actual illustrations.

 

Terms and Conditions

Last Revised: November 15, 2016

These terms and conditions govern your use of this web site and our membership site(s). By accessing this web site and/or our membership site(s), you are acknowledging and accepting these terms and conditions. These terms and conditions are subject to change by Better Life Resources (hereinafter “Company”) at any time and at our discretion without notice. Your use of this web site and/or our membership site(s) after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the terms and conditions each time you use this web site and/or our membership site(s).

INTELLECTUAL PROPERTY

You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by COMPANY, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content.

As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of COMPANY. For information on requesting such permission, please contact us at support@betterliferesources.com.

THIRD PARTY REFERENCES / HYPERLINKS

This site and/or our membership site(s) may link you to other sites on the Internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of COMPANY, and you acknowledge that COMPANY is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators. However, we may from time to time be compensated for referring you to certain vendors, and in such circumstances, we will let you know of that relationship.

MEMBERSHIP PROGRAM(S)

PRICING

COMPANY may offer one or more membership programs on this web site. The pricing for any such membership program will be clearly stated on the applicable order form.

DISCLOSURE OF INFORMATION ON PRIVATE MEMBERSHIP SITE

As a member of one of the membership programs offered by COMPANY, you may submit content to the membership site, including photos and user comments. You shall be solely responsible for your own content and the consequences of submitting and publishing your content.

You further agree and understand that other individual members of the program that are separate from COMPANY may see the information that you post on any applicable membership site. For this reason, you agree that you shall NOT post any information that you do not want others to see. You agree that anything you post in the applicable membership site is at your own risk, and you further agree to hold COMPANY harmless from any and all damage that could occur to you from any information that you post. For additional details, please see our Privacy Policy.

You affirm, represent, and warrant that you own or have the necessary licenses, rights, consents, and permissions to publish content you submit. You agree that content you submit will not contain third party copyrighted material, or material that is subject to other third party proprietary rights, unless you have permission from the rightful owner of the material or you are otherwise legally entitled to post the material and to grant COMPANY all of the license rights granted herein. COMPANY does not endorse any content submitted to COMPANY by any user or other licensor.

YOUR CONDUCT

COMPANY does not permit copyright infringing activities and infringement of intellectual property rights on this site and/or membership site(s), and COMPANY will remove all content if properly notified that such content infringes on another’s intellectual property rights.

You also affirm, represent, and warrant that your participation on this web site and/or in the membership program(s) and the content you submit does not relate to pornography, illegal activities of any kind, occult, hate, or racism. You also affirm, represent, and warrant that you shall not make any statements or take any actions against COMPANY or other members that would constitute libel or slander.

COMPANY reserves the right to make the final decision regarding what is appropriate. COMPANY further reserves the right to remove content or terminate your account without prior notice for a violation of this provision.

Further details regarding the conduct that is expected of all participants in the membership program can also be found in the first post that you will find inside the membership site.

TERMINATION OF MEMBERSHIP

Either you or COMPANY can cancel your participation in any of our membership programs at any time. No refunds for previous months of membership will be given once the initial refund period has passed. COMPANY’s refund policy is described in further detail in Section 3(E) herein, as follows.

REFUND POLICY

COMPANY offers a 30 day money back guarantee. Simply email support@betterliferesources.com within 30 days of purchase to get a full refund.

CUSTOMER DISCLAIMERS

COMPANY is not acting as a financial or legal advisor and does not guarantee that you will achieve any particular result from participating in any of COMPANY’s membership programs or from using any of the information on this site. Please see our complete earnings disclaimers for details.

ABILITY TO ACCEPT TERMS AND CONDITIONS

You affirm that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms and Conditions, and to abide by and comply with these Terms and Conditions.

CONTACTING US

If you need to contact us, you may email us at support@betterliferesources.com, or send us a letter at: 3044 Bardstown Rd #1135, Louisville, KY 40205.

DISCLAIMER OF WARRANTIES

ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. COMPANY AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES SHALL COMPANY OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, COMPANY’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

INDEMNIFICATION

Upon a request by COMPANY, you agree to defend, indemnify, and hold COMPANY and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this site and/or the membership programs.

SEVERABILITY AND INTEGRATION

Unless otherwise specified herein, this agreement constitutes the entire agreement between you and COMPANY with respect to this site and supersedes all prior or contemporaneous communications between you and COMPANY with respect to this site. If any part of these Terms and Conditions is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.

JURISDICTION

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Kentucky. You hereby consent to binding arbitration in the Commonwealth of Kentucky to resolve any disputes arising under this Terms and Conditions.