L & S Business Solutions is owned and operated by LNS Marketing Concepts, Inc. ("LNS"). Please read these terms and conditions of use carefully. By accessing this site and any pages thereof, you accept and agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof. Use of this Site The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of this web site and systems including but not limited to unauthorized entry into LNS's systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Products and services are not available in all geographic areas. Limitation of Liability and Disclaimer of Warranties LNS uses reasonable efforts to ensure that the information on this site is accurate, but cannot guarantee such accuracy. The information and materials contained in this site, including text, graphics, links or other items are provided "as is", "as available". LNS does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and material
Neither IP, advancedfinancialliteracy.com nor any other party involved in creating, producing or delivering this site shall be liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, this site or any linked site or use thereof. Submissions All information submitted to LNS via this site shall be deemed and remain the property of LNS and LNS shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this site provides LNS through this site. Availability This site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. By offering this site and information, or any products or services via this site, no distribution or solicitation is made by LNS to any person to use this site, or such information, products or services in jurisdictions were the provision of this site and such information, products and services is prohibited by law. Linking This site may contain links to sites maintained by third parties. LNS in not responsible for the content or privacy policies of those sites, and the existence of such links should not be considered an endorsement or recommendation of those sites or of any product or service offered on those sites or of any party that is associated with those sites. Our Right to Contact You We reserve the right to contact you regarding your account status and changes to subscriber agreements, privacy policy, or for any other reason LNS determines appropriate. Right of Refusal: LNS reserve the right to refuse service to any user for any reason, without discrimination or segregation on the ground of race, color, religion, sexual orientation, disability, veteran status or national origin. Modification LNS reserves the right to modify these terms and conditions from time to time. Your use of this site after such modification will constitute your acceptance of, and your agreement to, any new or mended terms and conditions. Governing Law Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of Marland, regardless of where you may be viewing or accessing this site. Thank you for visiting advancedfinancialliteracy.com ("the site," "this site") which is owned and operated by LNS Marketing Concepts,Inc. ("LNS"). Please read these terms and conditions of use carefully. By accessing this site and any pages thereof, you accept and agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select "Remember Me", your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Visitor comments may be checked through an automated spam detection service.
- How we protect your data
- What data breach procedures we have in place
- What third parties we receive data from
- What automated decision making and/or profiling we do with user data
- Industry regulatory disclosure requirements