Privacy Policies and Disclaimers

May 25, 2018

We recently updated our Privacy Policy to clarify how we protect your personal information in keeping with the EU’s new General Data Protection Regulation (GDPR).

The following TERMS OF USE and PRIVACY POLICY are subject to change at any time and at the sole discretion of the Site owner and operator. Please visit the site regularly for updates.

Please read the following terms of use relating to your use of this site carefully. By using these sites, you agree to these terms of use. We reserve the right to modify these terms at any time, so please check this page periodically for changes. By using these sites after we post any changes to these terms, you agree to accept those changes, whether or not you have reviewed them or been notified about them. If at any time you choose not to accept these terms of use, please do not use this site or any of our sites.

Owners and Collectors of Information

These terms of use apply to your use of all of the Sites, products, information, and services owned or operated by Dora Nudelman and The Quality of Life Advisors Group (collectively “we,” “us,” or “our”), including qualityoflifeadvisors.com, caviarandcandor.com, and any other site that we have owned or operated, do own and operate, or may own or operate in the future (collectively, the “Sites”). Unless we say otherwise, all references to the Sites in these terms of use include all such Sites. These terms of use do not apply to your use of unaffiliated Sites to which any of the Sites may link to or direct you to.

If you have any questions about these terms of use you may contact us at

info@qualityoflifeadvisors.com

230 Queens Quay West, Suite #1515

Toronto, ON Canada

M5J2Y7

Restrictions

The contents of our Sites are protected by copyright and trademark laws, and are the property of their owners. Unless otherwise noted, you may access and use the information and materials within the Sites for your personal use. You may not change, modify, delete, display, transmit, adapt, exploit, or copy for distribution or sale any information, material, trademark, or copyright on the Sites. You must obtain written permission from us or any other entity who owns intellectual property on the Sites before you may publish, distribute, display, or commercially exploit any material from the Sites. By using the Sites, you agree to abide by all copyright notices or other posted restrictions.

Links

These terms of use apply only to our Sites, and not to the Sites of any other companies or organizations, including those we link to. We do not maintain, create, or take any responsibility for the contents, advertising, products, or other materials made available through any other site, including those we link to. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any content, goods or services available on any other site.

Events, Services, and Information Changes

The events, services, and information listed on our Sites are subject to change without notification.

Forums (including current or future forums)

A “forum” means any message board, chat room, user review forum or other interactive service appearing on any of the Sites and includes both public boards and private folders. You must register in accordance with instructions that you will find on the Sites in order to contribute to any forum. You may not post on any forum, or send to any other forum user or our staff, any material that is abusive, vulgar, threatening, harassing, libelous, defamatory, obscene, invades a person’s privacy, violates any intellectual or other property rights, or that would otherwise violate any law. You may not use any forum in a commercial manner. You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post material known to be false. You may not post messages that contain stock touts. You may not post or transmit any information, software or other material that contains a virus or other harmful component. We are not responsible for material appearing in any forum on the Sites, except for material signed by one of our identified representatives. We are not responsible for screening material posted by users for libel, obscenity, invasion of privacy, copyright or trademark infringement, accuracy, or for any other reason. We retain, however, the right to modify or remove messages or other material that we, in our sole discretion, consider infringing, offensive, abusive, defamatory, obscene, stale, or otherwise unacceptable. We also reserve the right to edit materials for any other reason. Whether or not we modify or remove such material, users remain solely responsible for the content of their messages or postings. By posting on the Sites, you grant (or warrant that the owner of such rights has expressly granted) us and/or relevant affiliated companies the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by us will not infringe the rights of any third party. Additionally, you warrant that any “moral rights” in posted materials have been waived. You are not entitled to any compensation for any materials you may post on the Sites.

Registration

We may, at our discretion, suspend or terminate the registration of any forum user or general user who violates any of these terms of use of use, any of the forum member guidelines or for any other behavior that we in our discretion believe is inappropriate.

Disclaimers

The information, services, products, claims, seminar and program topics, and materials on our Sites are provided “as is” and without warranties of any kind, either expressed or implied. We disclaim all warranties, expressed or implied, including but not limited to implied effectiveness of the ideas or success strategies listed on this site as well as those that are provided in our products, services, blogs, books, or to our participants at our events, intensives, programs, retreats and any other offerings provided. Neither we nor any of our respective licensors or suppliers warrant that any functions contained in the Sites will be uninterrupted or error-free, that defects will be corrected, or that the Sites or the server that makes them available are free of viruses or other harmful components. Neither we nor any of our respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information, or materials in this site (or any of our related sites and blogs) in terms of their correctness, accuracy, reliability, or otherwise. You (and not we or any of our respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction to your system. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. We do not endorse, warrant or guarantee any speakers, products, information, or services offered on the Sites or those we link to. We are not a party to, and do not monitor, any transaction between users and third party providers of information, products, or services.

Limitation of Liability

Under no circumstances, including but not limited to negligence, will we or any of our licensors or suppliers be liable for any special or consequential damages that result from the use of, or the inability to use, the materials or information on the Sites, or any products, information, or services provided pursuant to the Sites, even if advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages (including but not limited to lost data), so the above limitation or exclusion may not apply to you. In no event shall the total liability to you by us or any of our licensors or suppliers for all damages, losses, and causes of action (whether in contract, tort, or otherwise) exceed the amount paid by you to us, if any, for accessing the Sites.

Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of any advice, goods or services you receive from a guest speaker on our Sites or at one of our events.

We are also not responsible or liable for any loss or damage that is caused or alleged to have been caused to our guest speakers in connection with the display of their photo, name, or biography posted on our Sites or in our marketing materials.

No Professional Advice

The information contained in or made available through the Sites (including but not limited to information contained on message boards, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Sites. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.

Earnings or Benefits Disclaimer

When addressing financial matters in any of our Sites, videos, newsletters or other content, we’ve taken every effort to ensure we accurately represent our programs and their ability to improve your life. However, there is no guarantee that you will get any results using any of our ideas, tools, strategies or recommendations. Nothing on our Sites is a promise or guarantee of any type of results. Your level of success in attaining similar results is dependent upon a number of factors including your skill, knowledge, ability, and dedication, to name a few. Because these factors differ according to individuals, we cannot and do not guarantee your success on any level. You alone are responsible for your actions and results in your life in all areas. Any forward-looking statements outlined on our Sites are simply our opinion and thus are not guarantees or promises for actual performance. It should be clear to you that by law we make no guarantees that you will achieve any results from our ideas or models presented on our Sites, and we offer no professional legal, medical, psychological or financial advice.

Mature Content

On our Sites we will occasionally discuss mature topics and language relating to personal and professional growth. Users who are uncomfortable with such topics or language should not use our Sites.

Confidentiality and Non-Compete

Users of our Sites hereby understand that the tools, processes, strategies, materials, and information presented on our Sites (and elsewhere) are copyrighted and proprietary, so users agrees not to record, duplicate, distribute, teach or train from our information in any manner whatsoever without our express written permission. Any unauthorized use or distribution of our Sites' (or other) proprietary concepts, materials, and intellectual property by you or your representatives is prohibited and Promoter will pursue legal action and full damages if these terms are violated in order to protect its rights.

Programs and Events (including current or future programs and events)

When you purchase a seat in any Teleclass, Program, Intensive, Retreat, Workshop, Book, or Live Event, that purchase entitles one person access to the information and materials presented in that event or service or product. By purchasing any of the above you agree that you will not share this information with anyone (other than for strictly personal use) without prior written consent from Dora Nudelman and The Quality of Life Advisors Group. All teleclasses (current or future) might be recorded and your name, voice and comments, may be used in a future information product designed for sale. Your registration indicates your understanding of this. It further indicates your agreement to waive any and all rights to ownership, to compensation for participation, and to royalties on sales of the work. Please do not register for the class or any other program or service or product if you do not agree to this policy.

We are committed to protecting your privacy and security and have explained in detail the steps we take to do so. We control this site from our office in Canada (except for third party web design and hosting and support, which is located in the United States of America through Wix.com, which you agree we are not liable for). Our domain is hosted by Rebel.ca, which you also agree we are not liable for. We do not represent that materials on the site are appropriate or available for use in other locations. Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Outside Sites (Their Privacy Policies May Be Different)

The Site contains links to other websites, like our sponsor’s websites or links to booksellers, that may offer products or services or information that our customers might find useful. These sites may request information from you. In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that site. We do not control the privacy policies, contents or links that appear on these sites. We encourage you to review the privacy policies of any third party sites or services before providing any of them with your personal information.

How and why we collect information

We collect your information in order to record and support your participation in the activities you select. If you register for a seminar, for example, the information is used to reserve your seat, to track your preferences, and to keep you informed about the seminar and related events. If you apply for a program, the information is used to determine your eligibility and/or to provide you with personalized services and products where and when applicable. As a visitor to our Sites, you can engage in many activities without providing any personal information. In connection with other activities, such as utilizing registering for a seminar, applying for a program, or participating in a sweepstakes or contests, we may ask you to provide certain information about yourself by filling out and submitting an online form. It is completely optional for you to engage in these activities. If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP/postal code), e-mail address, telephone, credit card (if aplicable), and other personal information. If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity. In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us. If you ask and it is known to us, we will tell you how we use your information or if we knowingly share it with another party. Except as otherwise provided in this policy, we will never intentionally or knowingly disclose any personal identification information about you as an individual user to any third party without having received your permission, unless it is required by our affiliate sites without our knowledge. If you supply us with your contact information you may receive periodic e-mails, mailings, offers, or calls from us with information on new products and services, important issues, relevant information, or upcoming events. If you wish to be removed from any postal, email, phone, or other lists, please let us know by emailing us at info@qualityoflifeadvisors.com. You can also write us or call us at the contact information above. Please provide us with your exact name, email address, mailing address, and phone. We will be sure your name is removed from the appropriate lists when it is requested by you. When you use our Sites, we or our authorized technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services. We use this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our sites are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve our sites. To the best of our knowledge, this information is collected in aggregate form, without identifying you or any user individually. We may use this aggregate, non-identifying statistical data for statistical analysis, marketing, or similar promotional purposes. This data is often tracked by us or our technology services provider by using “cookies” during your visit. A cookie is small amount of data that is transferred to your browser by a web server and can only be read by the server that gave it to you. It functions as your identification card and enables us to record your passwords, purchases, and preferences. To the best of our knowledge, it cannot be executed as code or deliver viruses. Most browsers are initially set to accept cookies. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether or not to accept it. (For some web pages that require an authorization, cookies are not optional. Users choosing not to accept cookies will probably not be able to access those pages.)

Individuals located in certain countries, including the European Economic Area, have certain statutory rights in relation to their personal data. Subject to any exemptions provided by law, you may have the right to request access to Information, as well as to seek to update, delete or correct this Information.

To the extent that Dora Nudelman and The Quality of Life Advisors Group's processing of your Personal Data is subject to the EU General Data Protection Regulation, Dora Nudelman and The Quality of Life Advisors Group relies on its legitimate interests, described above, to process your data. Where Dora Nudelman and The Quality of Life Advisors Group processes certain Personal Data for its own direct marketing purposes, you have a right to object to Dora Nudelman and The Quality of Life Advisors Group's use of your Personal Data for this purpose at any time by emailing info@qualityoflifeadvisors.com and opting out from receiving all email.

Dora Nudelman and The Quality of Life Advisors Group takes its users’ privacy concerns seriously. If you believe that Dora Nudelman and The Quality of Life Advisors Group has not complied with this Privacy Policy with respect to your Personal Information, you may contact us at info@qualityoflifeadvisors.com. In your email please describe in as much detail as possible the ways in which you believe that Dora Nudelman and The Quality of Life Advisors Group's Privacy Policy has not been complied with. We will investigate your complaint promptly.

Exceptions to Privacy Policy

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy: We will release specific information about you or your account to comply with any valid legal inquiry or process such as a search warrant, subpoena, statute or court order. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Sites, or a physical or property threat to you or others. We may also transfer user information, including personally identifiable information, in connection with a corporate merger, consolidation, the sale of related assets or corporate division or other fundamental corporate change. Further, the information you enter when making a purchase or an online donation will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments. Such information may also be shared with necessary third parties solely for the purpose or carrying out the transactions. Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. Although we strive to protect our users’ privacy, we cannot guarantee the security of information you post in these forums. You disclose such information at your own risk.

Miscellaneous

These terms will be governed by and construed in accordance with the appropriate laws, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the appropriate place. If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions. These terms may be modified only by our posting of changes to these terms of use on our Sites.

Additional Disclaimers:

Please note: The products and services offered by Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates are intended to be educational and do not constitute any form of clinical or medical diagnosis or treatment and should not be used as a substitute for medical diagnosis, advice, or service.

Furthermore, this website, products, and services provided herein are not intended to provide, and does not constitute medical, legal, financial, or any other form of professional advice. The articles, tools, service, products, and tips on this site and otherwise provided by Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates are designed to support you and do not replace any medical or psychiatric treatment. If you believe you may have a medical condition, please seek qualified professional advice and care. If you do choose to use our products, services, information provided, and/or advice, you acknowledge that you are doing so entirely at your own discretion and free will choice. In agreeing to use our services, products, tips, and the like, you are acknowledging that Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates are exempt and clear of any liability or responsibility for your choices and actions and any consequences or results of those choices and actions. You are acknowledging that you are making your choices purely out of free will, without coercion, and with total responsibility and awareness that your well-being is completely your own responsibility and in your own hands.

Any and all coaching/services/products/information, etc. offered on this site and otherwise by Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates is not intended to diagnose, treat, prevent or cure any disease or condition. It is not intended to substitute for the advice, treatment and/or diagnosis of a qualified licensed professional. No information, products, and services provided here and by Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates constitute any medical or psychiatric diagnoses, claims and/or substitute for your personal physician’s, mental health provider's, or other professional's care and expertise. As your coach Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates do not provide a second opinion or in any way attempt to alter the treatment plans or therapeutic goals/recommendations of your personal physician or psychiatrist.

Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates do not make any guarantees about results that will be achieved as a result of coaching, programs, products, advice, and anything else offered by Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates . Results can vary and are the sole responsibility of the client/participant. The client/participant will not hold Dora Nudelman or The Quality of Life Advisors Group and its affiliates and associates liable for any results not reached or actions taken by said client/participant as they are doing so with their own free will and at their own discretion.

Additional Privacy Policy: Please note that by submitting information through this website (i.e through forms, applications, email, or other) you are consenting to the gathering and storage of your personal data and in no way will hold Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates liable for anything pertaining to that data or the usage of it. Our data collection is generally used to gather client information for the purposes of providing custom service, distributing information, sending mailers and relevant documents and welcome and gift packages, presenting offers, and enhancing the client experience. While we do not knowingly sell your data, by submitting information through this site in any format you are acknowledging, accepting, and consenting to the fact that Dora Nudelman and The Quality of Life Advisors Group and its affiliates and associates are not in any way responsible for third party access and collection of your information as a result of running this website or for any other reasons. If you have any questions or concerns, please contact us via email at: info@qualityoflifeadvisors.com

....

Dora Nudelman and The Quality of Life Advisors Group is committed to protecting your privacy and ensuring you have a positive experience on our website and in using our information, advice, products and services (collectively, “Products”). This policy covers the qualityoflifeadvisors.com, caviarandcandor.com, mobile applications, and in-person and desktop clients and is applicable worldwide.

This policy outlines our handling practices and how we collect and use the Personal Data you provide during your online and offline interactions with us. As used in this Privacy Policy, ”Personal Data“ means any information that can be used to individually identify a person, and may include, but is not limited to, name, email address, postal or other physical address, credit or debit card number, title, and other personally identifiable information.

If you reside in the European Union (“EU”), United Kingdom, Lichtenstein, Norway, Iceland or Switzerland, you may have additional rights with respect to your Personal Data, as further outlined below. These rights may include rights under the EU’s General Data Protection Regulation (“GDPR”), if you are a resident of the EU, United Kingdom, Lichtenstein, Norway or Iceland.

Dora Nudelman and The Quality of Life Advisors Group will be the controller of your Personal Data that is provided, collected and/or processed pursuant to this Privacy Policy, except where otherwise expressly stated below. If you have any questions about whether any of foregoing applies to you, please contact us using the information set forth in the “Contact Us” section below.

This policy may be updated from time to time for reasons such as operational practices or regulatory changes, so we recommend that you review our Privacy Policy when returning to our website.

Collection of your Personal Data

We collect the following categories of Personal Data about you when you use or otherwise interact with our Products:

Name
Title
Email address
Home/work/mobile telephone number
Postal or other physical address
Credit/debit card information
IP addresses and other information collected passively, as further detailed in the “Passive Collection” section below
Device identifiers, as further described in the “Mobile Application” section below
We do or will possibly in the future collect and/or process your Personal Data in connection with the below activities related to our Products:

Account registration
Use of certain Product features
Generating reports based on information collected from use of our Products
Requesting service and support for our Products and providing such support
Placing transactions or orders
Registering to attend a seminar or webinar or applying for or signing up for an Intensive, Retreat, or other Program
Participating in an online survey
Entering a contest
Billing and collecting payments for our Products
Participating in discussion groups or forums
Registering for newsletter subscriptions and email subscriptions
Customizing the advertising and content you see
Processing of your Personal Data

We will use your Personal Data only in accordance with our Privacy Policy. If you do not wish us to continue using your Personal Data in this manner, you can request that your account be deactivated by contacting us as specified in the “Contact Us” section.

We will only process your Personal Data if we have a lawful basis for doing so. Lawful bases for processing include consent, contractual necessity (i.e. processing that is necessary for the performance of a contract with you, such as your terms of agreement with us that allows us to provide you with the Products) and our “legitimate interests” or the legitimate interest of others (e.g. our users) such as:

Personalizing, improving, or operating our Products and business
Better understanding your needs and interests
Fulfilling requests you make related to the Products
Providing you with information and offers from us or third parties
Complying with our legal obligations, resolving disputes with users, enforcing our agreements
Protecting, investigating, and deterring against fraudulent, harmful, unauthorized or illegal activity
We do or possibly will in the future process Personal Data for purposes such as:

To process your orders and deliver the Products that you have ordered
To provide reports based on information collected from use of our Products
To keep you up to date on the latest Product announcements, updates, upgrades, system enhancements, special offers, and other information
To provide support and assistance for our Products
To provide the ability to create personal profile areas and view protected content
To provide the ability to contact you and provide you with shipping and billing information
To provide customer feedback and support
To provide and administer contests or other marketing or promotional activities.
To the extent you choose to participate, to conduct questionnaires and surveys in order to provide better products and services to our customers and end users
To personalize marketing communications and website content based on your preferences, such as in response to your request for specific information on products and services that may be of interest
To contact individuals that you refer to us and identify you as the source of the referral, in accordance with the “Referral” section below
To meet contract or legal obligations

Referrals

If you choose to refer a friend about our Products, you represent that you have their consent to provide us your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the website. Unless we are authorized by your friend, we will only use your friend’s name and email address for the purposes of sending this one-time email.

Choice

You can choose whether to provide Personal Data to Dora Nudelman and The Quality of Life Advisors Group, but note that you may be unable to access certain options, offers, and services if they require Personal Data that you have not provided. You can sign-up, and therefore consent, to receive email or newsletter communications from us. If you would like to discontinue receiving these communications, you can update your preferences by contacting us using the information in the “Contact Us” section of this policy.

Data Subject Rights

You have certain rights with respect to your Personal Data as set forth below. Please note that in some circumstances we may not be able to fully comply with your requests, or we may ask you to provide us with additional information in connection with your request, which may be Personal Data, for example, if we need to verify your identity or the nature of your request. In such situations, however, we will still respond to let you know of our decision.

To make any of the following requests, contact us using the contact details referred to in the “Contact Us” section of this policy.

Access: You can request more information about the Personal Data we hold about you. You can also request a copy of the Personal Data.

Rectification: If you believe that any Personal Data we are holding about you is incorrect or incomplete, you can request that we correct or supplement such data. Please contact us as soon as possible upon noticing any such inaccuracy or incompleteness.
Objection: You can contact us to let us know that you object to the collection or use of your Personal Data for certain purposes.
Erasure: You can request that we erase some or all of your Personal Data from our systems.
Restriction of Processing: You can ask us to restrict further processing of your Personal Data.
Portability: You have the right to ask for a copy of your Personal Data in a machine-readable format. You can also request that we transmit the data to another entity where technically feasible.
Withdrawal of Consent: If we are processing your Personal Data based on your consent (as indicated at the time of collection of such data), you have the right to withdraw your consent at any time. Please note, however, that if you exercise this right, you may have to then provide express consent on a case-by-case basis for the use or disclosure of certain of your Personal Data, if such use or disclosure is necessary to enable you to utilize some or all of our Products.
Right to File Complaint: You have the right to lodge a complaint about Dora Nudelman and The Quality of Life Advisors Group's practices with respect to your Personal Data with the supervisory authority of your country or EU Member State.

Data Retention

How long we retain your Personal Data depends on the type of data and the purpose for which we process the data.

Passive Collection

Dora Nudelman and The Quality of Life Advisors Group automatically collect some information about you when you use our Products, using methods such as cookies and tracking technologies (further described below). Information automatically collected includes Internet protocol (IP) addresses, browser type, Internet service provider (ISP), referring/exit pages, the files viewed on our site (e.g., HTML pages, graphics, etc.), operating system, date/time stamp, and/or clickstream data to analyze trends in the aggregate and administer the website and/or Products.

In addition, when you use some of our Products, network information may be transmitted back to us such as Product usage information. This information if transmitted back to us is so we can determine how users are interacting with our Products, to assist us with improving our Products, and to correct any problems that may occur.

Cookies and Tracking Technologies

Dora Nudelman and The Quality of Life Advisors Group and our partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and gather information about our user base. Users can control the use of cookies at the individual browser level. For more information regarding cookies or similar technologies, please review our cookie policy.

Mobile Application

When you download and use our Products, we automatically collect information on the type of device you use, operating system version, and the device identifier (or ”UDID“). We may send you push notifications from time-to-time in order to update you about any events or promotions that we may be running. If you no longer wish to receive these types of communications, you can turn them off at the device level. To ensure you receive proper notifications, we will need to collect certain information about your device such as operating system and user identification information.

Geolocation

We may collect information about where you are located. If you do not wish to allow us to share your information in this manner please opt-out by contacting us at qualityoflifeadvisors@live.ca

Sharing your Personal Data

We do not sell or rent your Personal Data to third parties for marketing purposes.

We share Personal Data within Dora Nudelman and The Quality of Life Advisors Group for purposes of data processing or storage with third party platforms (if applicable).

We also may share Personal Data with business partners, service vendors and/or authorized third-party agents or contractors in order to provide requested Products or transactions, including processing orders, processing credit card transactions, hosting websites, hosting event and seminar registration and providing customer support.

In Some Cases we may choose to buy or sell assets. In these types of transactions, user information is typically one of the transferred business assets. Moreover, if we, or substantially all of our assets, were acquired, or if we go out of business or enter bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of us or our assets may continue to use your Personal Data as set forth in this policy. As required by law, we may respond to subpoenas, court orders, or similar legal process by disclosing your Personal Data and other related information, if necessary. We also may use Personal Data and other related information to establish or exercise our legal rights or defend against legal claims.

We collect and possibly share Personal Data and any other additional information available to us in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Dora Nudelman and The Quality of Life Advisors Group terms of service, or as otherwise required by law.

While navigating Dora Nudelman and The Quality of Life Advisors Group's websites or Products, you may be directed to content or functionality that is hosted by a third-party. When information is collected on behalf of Dora Nudelman and The Quality of Life Advisors Group exclusively, Dora Nudelman and The Quality of Life Advisors Group 's Privacy Policy will be referenced and will govern how your information is used. For other, non- Dora Nudelman and The Quality of Life Advisors Group sites or services, the site/service owner’s privacy policy will be referenced. You should review such third party’s privacy and security policies prior to use.

Security of your Personal Data

Dora Nudelman and The Quality of Life Advisors Group is committed to protecting the Personal Data you share with us. We utilize a combination of industry-standard security technologies, procedures, and organizational measures to help protect your Personal Data from unauthorized access, use or disclosure. If we transfer credit card information over the Internet, we will protect it using Secure Sockets Layer (SSL) encryption technology. Use of third party payment transaction providers, such as Paypal, have their own policies and Dora Nudelman and The Quality of Life Advisors Group are thus not responsible for policies and security when using a third party payment processor.

We recommend you take every precaution in protecting your Personal Data when you are on the Internet and when using third party websites for payments and other transactions. For example, change your passwords often, use a combination of letters and numbers when creating passwords, and make sure you use a secure browser. If you have any questions about the security of your Personal Data, you can contact us.

Linked websites and third party services

Our websites and services may provide links to other third-party websites and services which are outside our control and not covered by this policy. We encourage you to review the privacy policies posted on these (and all) sites you visit or services you use.

Transfer and Storage of Personal Data

Our Products are hosted and operated in Canada but our websites are hosted in the United States through Dora Nudelman and The Quality of Life Advisors Group 's service providers (such as Wix). We may transfer your Personal Data to third parties acting on our behalf for the purposes of processing or storage. By using any of our Products or providing any Personal Data for any of the purposes stated above, you consent to the transfer and storage of your Personal Data, whether provided by you or obtained through a third party, to Canada and the U.S. as set forth herein, including the hosting of such Personal Data on U.S. and Canadian servers.

If you have an unresolved privacy or data use concern that we have not addressed satisfactorily or to address your individual rights or if you have any privacy-related questions or comments related to this privacy policy, please send an email to us at info@qualityoflifeadvisors.com.

You can also contact us by writing to this address:

The Quality of Life Advisors Group
230 Queens Quay West, Suite #1515
Toronto, ON Canada
M5J2Y7

GENERAL

This website (the “Site”) is owned and operated by Dora Nudelman and The Quality of Life Advisors Group d/b/a “qualityoflifeadvisors.com” and "caviarandcandor.com." (“COMPANY,” “we” or “us”). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from COMPANY. Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service, as modified.

INTELLECTUAL PROPERTY RIGHTS

Our Limited License to You. This Site and all the materials available on the Site are the property of us and/or our affiliates or licensors, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for your personal non-commercial use. You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized by us. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials (in writing), you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. You may, however, from time to time, download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices.

Your License to Us. By posting or submitting any material (including, without limitation, comments, blog entries, photos and videos) to us via the Site, you are representing: (i) that you are the owner of the material, or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are thirteen years of age or older. In addition, when you submit or post any material, you are granting us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose. The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate.

You acknowledge and agree that any contributions originally created by you for us shall be deemed a “work made for hire” when the work performed is within the scope of the definition of a work made for hire in the United States and Canadian Copyright Law, as amended. As such, the copyrights in those works shall belong to COMPANY from their creation. Thus, COMPANY shall be deemed the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as COMPANY determines. In the event that any of the results and proceeds of your submissions hereunder are not deemed a “work made for hire," you hereby, without additional compensation, irrevocably assign, convey and transfer to COMPANY all proprietary rights, including without limitation, all copyrights and trademarks throughout the universe, in perpetuity in every medium, whether now known or hereafter devised, to such material and any and all right, title and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity. Any posted material which are reproductions of prior works by you shall be co-owned by us.

You acknowledge that COMPANY has the right but not the obligation to use and display any postings or contributions of any kind and that COMPANY may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.

Limitations on Linking and Framing. You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by us or by the Site. However, you may not, without our prior written permission, frame or inline link any of the content of the Site, or incorporate into another website or other service any of our material, content or intellectual property.

DISCLAIMERS

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply an endorsement or sponsorship of such sites, or the information, products or services offered on or through the sites. In addition, neither we nor affiliates operate or control in any respect any information, products or services that third parties may provide on or through the Site or on websites linked to by us on the Site.

If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors, and not COMPANY. Neither COMPANY nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Furthermore, COMPANY neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized COMPANY representative while acting in his/her official capacity.

THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

You agree at all times to defend, indemnify and hold harmless COMPANY its affiliates, their successors, transferees, assignees and licensees and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders and employees of each from and against any and all claims, causes of action, damages, liabilities, costs and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation or covenant set forth herein.

ONLINE COMMERCE

Certain sections of the Site may allow you to purchase many different types of products and services online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services. If you make a purchase from a merchant on the Site or on a site linked to by the Site, the information obtained during your visit to that merchant’s online store or site, and the information that you give as part of the transaction, such as your credit card number and contact information, may be collected by both the merchant and us. A merchant may have privacy and data collection practices that are different from ours. We have no responsibility or liability for these independent policies. In addition, when you purchase products or services on or through the Site, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. For more information regarding a merchant, its online store, its privacy policies, and/or any additional terms and conditions that may apply, visit that merchant’s website and click on its information links or contact the merchant directly. You release us and our affiliates from any damages that you incur, and agree not to assert any claims against us or them, arising from your purchase or use of any products or services made available by third parties through the Site.

Your participation, correspondence or business dealings with any third party found on or through our Site, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations or warranties associated with such dealings, are solely between you and such third party. You agree that COMPANY shall not be responsible or liable for any loss, damage, or other matters of any sort incurred as the result of such dealings.

You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and to purchase services or products through the Site for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false or fraudulent purposes or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide such third party’s personal information.

INTERACTIVE FEATURES

This Site may (now or in the future) include a variety of features, such as bulletin boards, web logs, chat rooms, and email services, which allow feedback to us and real-time interaction between users, and other features which allow users to communicate with others.

Responsibility for what is posted on bulletin boards, web logs, chat rooms, and other public posting areas on the Site, or sent via any email services on the Site, lies with each user – you alone are responsible for the material you post or send. We do not control the messages, information or files that you or others may provide through the Site. It is a condition of your use of the Site that you do not:

Restrict or inhibit any other user from using and enjoying the Site.

Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.

Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies or regulations of the networks we use to provide the Site.

Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.

Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining or other illicit means.

Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.

Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.

Use the Site to post or transmit any information, software or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.

Use the Site to post or transmit any information, software or other material that contains a virus or other harmful component.

Use the Site to post, transmit or in any way exploit any information, software or other material for commercial purposes, or that contains advertising.

Use the Site to advertise or solicit to anyone to buy or sell products or services, or to make donations of any kind, without our express written approval.

Gather for marketing purposes any email addresses or other personal information that has been posted by other users of the Site.

COMPANY may host message boards, chats and other public forums on its Sites. Any user failing to comply with the terms and conditions of this Agreement may be expelled from and refused continued access to, the message boards, chats or other public forums in the future. COMPANY or its designated agents may remove or alter any user-created content at any time for any reason. Message boards, chats and other public forums are intended to serve as discussion centers for users and subscribers. Information and content posted within these public forums may be provided by COMPANY staff, COMPANY’s outside contributors, or by users not connected with COMPANY, some of whom may employ anonymous user names. COMPANY expressly disclaims all responsibility and endorsement and makes no representation as to the validity of any opinion, advice, information or statement made or displayed in these forums by third parties, nor are we responsible for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums are solely the opinions of the participants, and do not reflect the opinions of COMPANY or any of its subsidiaries or affiliates.

COMPANY has no obligation whatsoever to monitor any of the content or postings on the message boards, chat rooms or other public forums on the Sites. However, you acknowledge and agree that we have the absolute right to monitor the same at our sole discretion. In addition, we reserve the right to alter, edit, refuse to post or remove any postings or content, in whole or in part, for any reason and to disclose such materials and the circumstances surrounding their transmission to any third party in order to satisfy any applicable law, regulation, legal process or governmental request and to protect ourselves, our clients, sponsors, users and visitors.

REGISTRATION

To access certain features of the Site, we may ask you to provide certain demographic information including your gender, year of birth, zip code and country. In addition, if you elect to sign-up for a particular feature of the Site, such as chat rooms, web logs, or bulletin boards, you may also be asked to register with us on the form provided and such registration may require you to provide personally identifiable information such as your name and email address. You agree to provide true, accurate, current and complete information about yourself as prompted by the Site’s registration form. If we have reasonable grounds to suspect that such information is untrue, inaccurate, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any personally identifiable information you provide to us as part of the registration process is governed by the terms of our Privacy Policy.

PASSWORDS

To use certain features of the Site, you may (now or in the future) need a username and password, which, if applicable, you will receive through the Site’s registration process. You are responsible for maintaining the confidentiality of the password and account, and are responsible for all activities (whether by you or by others) that occur under your password or account. You agree to notify us immediately of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session. We cannot and will not be liable for any loss or damage arising from your failure to protect your password or account information.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING ITS MATERIALS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE, EVEN IF WE ARE ADVISED BEFOREHAND OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT PERMITTED BY SUCH LAW.) YOU SPECIFICALLY ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES AND/OR MATERIALS.

THIS SITE IS CONTINUALLY UNDER DEVELOPMENT AND COMPANY MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS OR APPROPRIATENESS FOR ANY PURPOSE.

PARTICIPANT acknowledges and agrees that no representation has been made by Dora Nudelman and The Quality of Life Advisors Group OR ITS AFFILIATES and relied upon as to the future income, expenses, sales volume, potential profitability, or any other benefit or result, that may be derived from the participation in any PROGRAM.

TERMINATION

We may cancel or terminate your right to use the Site or any part of the Site at any time without notice. In the event of cancellation or termination, you are no longer authorized to access the part of the Site affected by such cancellation or termination. The restrictions imposed on you with respect to material downloaded from the Site, and the disclaimers and limitations of liabilities set forth in these Terms of Service, shall survive.

REFUND POLICY

Your purchase of a product or service or ticket to an event will not provide for any refund (please see additional policies on https://www.qualityoflifeadvisors.com/privacy-payment-policies-and-discla)

OTHER

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. In Canada it is The Notice and Notice Regime. If you believe in good faith that materials hosted by COMPANY infringe your copyright, you, or your agent may send to COMPANY a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA or like Act shall not be considered sufficient notice and shall not be deemed to confer upon COMPANY actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to COMPANY a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see https://www.loc.gov/copyright for details. See The Notice and Notice regime for details pertaining to Canada; see https://www.ic.gc.ca/eic/site/oca-bc.nsf/eng/ca02920.html. COMPANY’s Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows: info@qualityoflifeadvisors.com

This Agreement shall be binding upon and inure to the benefit of COMPANY and our respective assigns, successors, heirs, and legal representatives. Neither this Agreement nor any rights hereunder may be assigned without the prior written consent of COMPANY. Notwithstanding the foregoing, all rights and obligations under this Agreement may be freely assigned by COMPANY to any affiliated entity or any of its wholly owned subsidiaries

These Terms of Use shall be governed by and construed in accordance with the laws of the province of Ontario and any dispute shall be subject to binding arbitration in Ontario. If any provision of this agreement shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

*Please note that all of the programs, products, intensives, retreats, and information provided on and/or through this site (like. www.qualityoflifeadvisors.com and links listed on the Media page of this that website) is intended for informational and educational purposes only. It is not intended as a substitute for medical advice or treatment. Please seek the advice of a medical professional as needed. If you purchase any programs or products from this website www.caviarandcandor.com or engage with any of the materials and information provided in any of our owned and operated sites and otherwise affiliates, you are providing implied consent that you agree not to hold Dora Nudelman and The Quality of Life Advisors Group and www.caviarandcandor.com liable for any results or consequences of your engagement with any of the programs, materials, or information provided on this site and on the www.qualityoflifeadvisors.com website as well as all affiliated sites linked to these aforementioned websites, and you agree to abide by the terms and conditions outlined in our policies and disclaimers. You also consent not to hold Dora Nudelman and The Quality of Life Advisors Group and www.caviarandcandor.com liable for any third party links or companies and acknowledge that any third party claims are not the responsibility of this site (www.caviarandcandor.com), Dora Nudelman and The Quality of Life Advisors Group in general, and www.qualityoflifeadvisors.com and are not endorsed by any of such entities.

Life Coaching Disclaimer:

The coaching and advice provided by Dora Nudelman and The Quality of Life Advisors Group are for guidance only. What you decide to do with the information you receive, including any actions you take, is down to your own personal responsibility and choice. By engaging in and with any products, services, guidance, and information provided by Dora Nudelman and The Quality of Life Advisors Group you are providing implied consent to the fact that you will not hold Dora Nudelman and The Quality of Life Advisors Group liable or responsible for any of your actions or the results or consequences that ensue. Any and all advice provided should at no time be regarded as legal, medical, financial, psychological, or business fact and are subject to your own interpretation and judgment. The guidance, coaching, information, and advice provided within any and all of the products and services provided by Dora Nudelman and The Quality of Life Advisors Group are for information purposes only. These said products and services and information provided are not a substitute for professional services or advice, and it is advised that you should seek advice from the relevant qualified expert if/when it is applicable or required.

Furthermore, by purchasing, reading, or engaging with any of the content, programs, books, services, blogs, websites, articles, etc. provided by Dora Nudelman and The Quality of Life Advisors Group and its affiliates in any way, you acknowledge that all such materials are considered copyrighted materials and intellectual property protected under copyright laws and, as such, you agree to abide by all such laws as applicable. As such, you agree to never copy, sell, reproduce, distribute, or commercially use the materials provided by Dora Nudelman and The Quality of Life Advisors Group and its affiliates in any manner whatsoever.

Please see here for further policies.