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The Brownstone Law Group. PC. Web site is intended to provide information (not advice) about the firm, its lawyers and new legal developments. Visitors to this Web site should not act upon this information without consulting with legal counsel. Transmission and receipt of materials provided by Brownstone Law Group’s Web site is not intended to and does not create an attorney-client relationship. Please be further advised that the act of sending e-mail to an attorney at Brownstone Law Group, PC. will not create an attorney-client relationship. If you are not currently a client of Brownstone Law Group, PC. your e-mail will not be privileged and may be disclosed to other persons.

Brownstone Law Group, PC. does not wish to represent anyone desiring representation based upon viewing this Web site in a state where this Web site fails to comply with all laws and ethical rules of that state. This Web site is meant to be informational only, consistent with our professions obligation to help inform not only our clients but to cultivate knowledge of the law in the public in general.

You may reproduce a reasonable number of copies of articles, updates and other documents available at this site for your own personal use or for non-commercial distribution. All documents copied from this site must not be modified and must include the above copyright notice. Reproduction or distribution of any material from this Web site for commercial purposes is strictly prohibited without the express written permission of Brownstone Law Group, PC. To obtain permission to copy material from this site, e-mail info@brownstonelawgroup.com. Please note, the attorney responsible for this Web site is Thomas A Moore.

AGREEMENT BETWEEN USER AND BROWNSTONE LAW GROUP, PC. WEBSITE

The Brownstone Law Group, PC. Website is comprised of various Web pages operated by Brownstone Law Group, PC.

The Brownstone Law Group, PC. Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Brownstone Law Group, PC. Website constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

Brownstone Law Group, PC. reserves the right to change the terms, conditions, and notices under which the Brownstone Law Group, PC. Website is offered, including but not limited to the charges associated with the use of the Brownstone Law Group, PC. Website.

LINKS TO THIRD PARTY SITES

The Brownstone Law Group, PC. Website may contain links to other Websites (“Linked Sites”). The Linked Sites are not under the control of Brownstone Law Group, PC. and Brownstone Law Group, PC. is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Brownstone Law Group, PC. is not responsible for webcasting or any other form of transmission received from any Linked Site. Brownstone Law Group, PC. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Brownstone Law Group, PC. of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Brownstone Law Group, PC. Website, you warrant to Brownstone Law Group, PC. that you will not use the Brownstone Law Group, PC. Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Brownstone Law Group, PC. website in any manner which could damage, disable, overburden, or impair the Brownstone Law Group, PC. Website or interfere with any other party’s use and enjoyment of the Brownstone Law Group, PC. Website. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Brownstone Law Group, PC. Websites.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE BROWNSTONE LAW GROUP, PC. WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. BROWNSTONE LAW GROUP, PC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE BROWNSTONE LAW GROUP, PC. WEBSITE AT ANY TIME. ADVICE RECEIVED VIA THE BROWNSTONE LAW GROUP, PC. WEBSITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

BROWNSTONE LAW GROUP, PC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE BROWNSTONE LAW GROUP, PC. WEBSITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND. BROWNSTONE LAW GROUP, PC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BROWNSTONE LAW GROUP, PC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE BROWNSTONE LAW GROUP, PC. WEBSITE, WITH THE DELAY OR INABILITY TO USE THE BROWNSTONE LAW GROUP, PC. WEBSITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE BROWNSTONE LAW GROUP, PC. WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THE BROWNSTONE LAW GROUP, PC. WEBSITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BROWNSTONE LAW GROUP, PC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE BROWNSTONE LAW GROUP, PC. WEBSITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE BROWNSTONE LAW GROUP, PC. WEBSITE.

CONTACT: INFO@BROWNSTONELAWGROUP.COM

TERMINATION/ACCESS RESTRICTION

Brownstone Law Group, PC. reserves the right, in its sole discretion, to terminate your access to the Brownstone Law Group, PC. Website and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of California, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Orange County, California, U.S.A. in all disputes arising out of or relating to the use of the Brownstone Law Group, PC. Website. Use of the Brownstone Law Group, PC. Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Brownstone Law Group, PC. as a result of this agreement or use of the Brownstone Law Group, PC. Website. Brownstone Law Group, PC. ‘s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Brownstone Law Group, PC. ‘s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Brownstone Law Group, PC. Website or information provided to or gathered by Brownstone Law Group, PC. with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Brownstone Law Group, PC. with respect to the Brownstone Law Group, PC. Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Brownstone Law Group, PC. with respect to the Brownstone Law Group, PC. Website. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents are drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the Brownstone Law Group, PC. Website is: Copyright 2010-2012 Brownstone Law Group, PC. Firm and/or its suppliers. Many of the images on Brownstone Law Group, PC. website are subject to copyright as well. You may not duplicate, replicate or copy any content, wording or text contained on the Brownstone Law Group, PC. website for any commercial use whatsoever without the written consent of Brownstone Law Group, PC. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement under United States copyright law should be sent to Service Provider’s Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.

GOVERNING LAW As consideration for any use of this website, including merely accessing the website, you agree to be bound by the laws of the United States of America and of the State of California, without regard to any conflicts of law principles. You further agree to be subject to the jurisdiction of the courts in the State of California, county of Orange for any dispute relating in any way to your use of this website.

BROWNSTONE LAW GROUP, PC. MONEY BACK GUARANTEE*

*Brownstone Law Group, PC. (BLG) guarantees that if CLIENT does not obtain the Services as described within Client Retainer Agreement within a reasonable amount of time, BLG shall refund the Fee Amount to CLIENT. BLG’s guarantee obligations are met when BLG obtains an exit even if CLIENT does not accept the terms of the Resort’s exit proposal. This Guarantee is contingent upon: (a) all information provided to BLG by CLIENT is true, accurate and complete, and (b) full cooperation with CLIENT to timely respond to any request for information from BLG or the Resort(s). This guarantee is void and unenforceable if CLIENT (x) fails to fulfill CLIENT duties required by this Agreement, including if CLIENT stops or delays the exit process, refuses to sign a procured exit offer, (y) does not timely and completely respond to requests by BLG, or (z) fails to disclose a mortgage or other lien encumbrance on CLIENT Timeshare.

If you have any questions regarding BLG’s money back guarantee, please contact our office directly at 888-853-8871 or email us at clientsupport@brownstonelawgroup.com

Brownstone Law Group, PC. is dedicated to protecting Your privacy and providing You with the highest level of work. This Privacy Policy (“Policy”) explains what We do to keep information about You private and secure.  This Policy covers only information that You provide to Us or that We obtain about You from others while doing work for You.  Please read this Policy carefully and contact Us if You have any questions.

Personal Information We Collect:  The personal information we collect about You  (“Information”) comes from the following sources:

• Information We receive from You such as your name, address, telephone number, fax number and email or other Information that You provide Us over the phone, or in documents you give to us or fill out and give to Us;
• Information about Your transactions, such as Your account balances with Creditors, payment history activity;
• Other Information that may be contained in Your credit card statements, or other reports relating to your debt;
• Information We receive from consumer reporting agencies and other sources, such as Credit Bureau reports, collection agency reports or other communications, and other Information relating to Your payment histories, credit worthiness, annual income or ability to satisfy Your obligations.
• Information Collected by Automated Means –Whenever you use the Site, we, as well as any of our third-party advertisers and/or service providers, may use a variety of technologies that automatically collect information about how the Site is accessed and used (“Usage Information”). Usage Information may include, in part, browser type, operating system, the page served, the time, how many users visited the Site, and the website you visited immediately before the Site. This statistical data provides us with information about the use of the Site, such as how many visitors visit a specific page on the Site, how long they stay on that page, and which hyperlinks, if any, they “click” on. Usage Information helps us to keep the Site fresh and interesting to our visitors and to tailor content to a visitor’s interests. Usage Information is generally non-identifying, but if we associate it with you as a specific and identifiable person, we treat it as Personal Information
• Device Identifiers –In the course of collecting Usage Information we may also collect your IP address, MAC Address or other unique identifier (each a “Device Identifier”) for the computer, mobile device, Wi-Fi card, or other technology (collectively, “Device”) you use to access the Site. A Device Identifier is a number that is automatically assigned to your Device when you access a web site or its servers. Cookies – Cookies are data files placed on a Device when it is used to visit the Site. We may use cookies to collect and store certain information about you. We may use both session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer until you delete them).
• Analytics – We use Google Analytics to understand how users use our site so as to enhance the user experience on our Site. If you wish to opt-out of Google Analytics, go to https://tools.google.com/dlpage/gaoptout?hl=en-GB.

We do not disclose any of the above Information to nonaffiliated third parties. We may disclose such Information to effect or carry out any transaction that You have requested of Us or as necessary to complete our contractual requirements with You. We may also share the Information with providers that perform business operations for Us, companies that act for Us to market Our services, providers who You have consented to contact or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena.  We may also share or transfer information if We transfer or sell your account, the company or Our business assets. We may also share Our Information with someone who may be able to provide you with additional products, services or work that we believe in good faith could be helpful to You. We may share Your Information with debt service processing organizations and Creditors who will attempt to match Your Enrolled Debts with data bases held by Creditors including collection agencies and debt buyers who will attempt to match Your Enrolled Debts to make the Resolution process more efficient. Otherwise, We do not share, transfer or otherwise disclose your nonpublic personal Information to any company or individual unless it is directly related to carrying out the services you have requested of Us. By carrying out that work, We may disclose your Information, as We see fit and as permitted by law, to your Creditors, credit care companies, collection agencies, credit reporting agencies, banks and other financial institutions, and to other entities and individuals specially necessary to affect, administer and perform Our services.

Your Choices/Opt-out: We provide you the opportunity to “opt-out” of having Your personal Information used for certain purposes.  By providing Information to Us You are consenting to collection, use and disclosure of such personal Information in the manner described in this Policy.  We provide you with the opportunity to withdraw your consent when such Information is collected.  Such consent may be withdrawn by calling the telephone provided below, faxing your written withdrawal to the fax number below, e-mailing your withdrawal to the e-mail address below or may be done in writing and sent to our Client Relations Department at the physical address set out below.

How We Protect Your Information: We train Our employees and subcontractors to protect all Information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize all employees, agents and contractors to get Information about you only when they need it to do their work with Us. We do not share your Information with any companies or individuals unrelated to the specific work We are obligated to provide to you as described above. This Policy applies to current and former clients.  If you have any questions, please contact Us.  Our contact information is below.

Nothing in this Privacy Policy restricts Our ability to:

• Prevent, investigate, or provide notice of fraud, unlawful or criminal activity, or unauthorized access to or use of Personal Information, our website or data systems;
• Collect or use of aggregate or de-identified data;
• Comply with federal, state, or local laws;
• Comply with a civil, criminal, or regulatory inquiry, investigation, subpoena, or summons by federal, state, or local authorities;
• Cooperate with law enforcement agencies concerning conduct or activity that the business, service provider, or third party reasonably and in good faith believes may violate federal, state, or local law;
• Protect or defend against legal actions or claims; or
• Transfer Personal Information as part of an actual or proposed organizational transaction, such as a merger or Our dissolution, or in the event of insolvency, bankruptcy, or receivership.

 CALIFORNIA PRIVACY RIGHTS

We collect information from you that identifies, describes, or is reasonably capable of being associated with you or your household (“Personal Information”). If you reside in California, you may have additional rights over your Personal Information. The Personal Information we collect, where we collect it from, the purpose for collecting it, and how we share it is described in detail in our Privacy Policy.

Requesting More Information. You may have the right to request information about how we have treated your Personal Information in the past 12 months including:

• The categories of Personal Information we collected;
• The categories of sources from which we collected that information;
• Our business or commercial purpose for collecting that information;
• The categories of third parties with whom we shared that information; and
• The specific pieces of Personal Information we collected about you.

Requesting Access. You may also have the right to receive a copy of the Personal Information collected about you in the past 12 months.

Requesting Deletion. You may have the right to request that we delete the Personal Information we have collected about you. Not all requests to delete can be fulfilled. If we are unable to comply with your request, we will provide a response explaining why your data cannot be deleted.

Exercising Your Rights. If you want to exercise any of these rights you may contact us at 888-878-8464 or email Us at clientsupport@brownstonelawgroup.com

For all requests submitted via email, please clearly state that the request is related to “Your California Privacy Rights” and provide your name, mailing address, and phone number where you may be reached.

Before we can respond to your request, we must first verify your identity using your Personal Information. If we are unable to verify your request, we will contact you for more information. If we are unable to verify your identity after a good faith attempt, we may deny the request and, if so, will explain the basis for the denial.

You may designate someone to submit requests and act on your behalf (an “Authorized Agent”). To do so, you must provide us with written permission to allow your Authorized Agent to act on your behalf.

We do not provide your information to third parties for their direct marketing purposes. We also do not sell or intend to sell your Personal Information to third parties.

We may collect information about your usage and activity through cookies. Some web browsers or smartphones have the ability to set “Do Not Track” requests to block user activity from being tracked across web pages or devices. Our site does not recognize “Do Not Track” browser signals.

We Will Not Discriminate Against You. We will not unlawfully discriminate against you for exercising any of these rights.

Changes to This Notice. We will continue to review and revise our privacy practices and policies as our technology, services, and use of data evolves. We will not retroactively use or share data in a manner that is materially different from this policy without first providing you notice. This Notice is reviewed and updated annually and we will use reasonable means to inform you of any changes.

How to Contact Us. If you have questions or concerns regarding your information or your rights, please contact us at 888-878-8464 or email us at clientsupport@brownstonelawgroup.com

NEVADA PRIVACY RIGHTS

We not sell your personal information to third parties as defined in Nevada law, and will not do so in the future without providing you with notice and an opportunity to opt-out of such sale as required by law.

CHANGES TO THIS POLICY

From time to time, we may modify our privacy practices. We notify you of any material changes to our collection, use, and disclosure practices, and will also post an updated copy of our Privacy Policy to our site. If necessary, we will obtain your consent or offer you an opportunity to opt-out at that time. If you continue to use of the site we will take that to mean that you accept these changes.

Special Note: other sites may collect your Personal Information. The privacy policies and information sharing practices of these websites are not covered within Our privacy policy.