Privacy Policy

PLEASE READ THIS PRIVACY POLICY CAREFULLY BEFORE USING ANY CHARLES RAY AND ASSOCIATES, INC. WEBSITE

The Charles Ray and Associates, Inc. (the "Company") is committed to protecting your online privacy while you use our website. As a result, we have created this policy, which has been developed pursuant to applicable law regarding the collection and use of personal information in those jurisdictions where we do business, which law includes the law of the United States. We urge you to read the privacy policy in its entirety so you will understand all of the practices and procedures we follow relating to your online privacy. This privacy policy may change from time to time, and we will post changes on this page so that you can check back periodically to review them.

GENERAL PRIVACY PRINCIPLES

Accountability

The Company is responsible for your personal information under its control. The Company has appointed an officer who is accountable for the Company's compliance with this privacy policy. G. Charles Ray, President of the Company has been designated the Company's privacy officer in connection with this privacy policy. Mr. Ray can be reached by e-mail at gray914220@aol.com, or by regular mail at 817 Columns Drive, Lithia Springs, Georgia, 30122.

Identifying Purposes

Personal information is the information that relates to you, that identifies you as a customer or potential customer of the Company and that allows the Company to provide products, services and information to you directly. The Company asks for your personal information so that it can understand your needs, determine if the Company's products and services meet your needs, inform you about its products and services that it believes may be of interest to you, or comply with the law. Of course, you may choose not to provide the Company with personal information. However, this choice may not enable the Company to provide you with the product, service or information you requested or that could be offered to you.

Consent

Your knowledge and consent are required for the collection, use, or disclosure of your personal information.

Limiting Collection

The Company only collects the information that it needs in order to deliver products, services and information to you.

Limiting Use, Disclosure and Retention

The Company does not use or disclose your personal information for purposes other than those for which it was collected or as set forth in this privacy policy, except with your consent or as required by law. Your personal information is retained only as long as necessary for the fulfillment of those purposes or as required by law.

Accuracy

Your personal information is kept as accurately and completely as is necessary for the purposes for which it is to be used. You have the right to up date, modify, amend, or correct errors in your personal information by contacting the Company.

Safeguards

The Company protects your personal information by using safeguards that are appropriate to the sensitivity of the information. Each of our employees who has access to your personal information is informed about our privacy policy and procedures for protecting personal information.

Openness

The Company will make its complete policies and practices relating to the management of your personal information readily available to you.

Access

Upon request in writing, either by e-mail or letter, you will be informed of the existence, use, or disclosure of your personal information and you will be given access to that information. The Company will assist any customer who informs us that they need assistance in preparing a request concerning personal information. You may also challenge, in writing either by e-mail or letter, the accuracy and completeness of the information and have it amended as appropriate, or request that the Company delete or correct any personal information contained in your file.

Challenging Compliance

You may address any challenge concerning our compliance with this privacy policy to G. Charles Ray, President at gray914220@aol.com, or by regular mail at 817 Columns Drive, Lithia Springs, Georgia, 30122.

SPECIFIC PRIVACY POLICY

Scope

Our privacy policy applies to all websites owned and operated by the Company and to any personal information collected by the Company. It is designed to inform you of when, why, how, and for what purpose the Company collects personal information from visitors to its websites. It is also designed to inform you about the types of information that is collected about you at the Company's websites. Finally, it is designed to inform you about our use of personal information collected at Company websites and to whom access to such personal information may be given. Our privacy policy is also designed to inform you about how you may access, amend, or delete personal information collected by the Company and how you may limit the Company's use of your personal information.

On occasion, the Company's websites are connected by "hyperlinks" to other companies' websites. Please note that the Company is not responsible in any way for the privacy practices of other websites and suggests that you review the privacy policies of those other companies' websites before using them.

What types of personal information does the company collect?

Generally, personal information includes a person's full name, address, telephone number, e-mail address, and any other information that would allow someone to identify or contact you. While the Company does not collect personal information from you when you merely browse our websites, at the Company's websites, you may be asked to provide to the Company personal information in connection with the Company's product promotions or other offerings by filling out an online registration form. If you choose to register with the Company at its websites, some of the information that the Company may collect from you is public information which is readily available in public directories such as name, address and telephone number. Other types of information that the Company may collect from you is not currently found in publicly available directories such as your e-mail address. The types of personal information that the Company currently collects through an online registration form includes: name, e-mail address, and zip code. Our server does not automatically record personal information. Such information can become known to the Company via its websites only when you voluntarily submit it. No information is collected without your express consent.

How does the company use your personal information?

The Company stores personal information collected at its websites in a secure database. Personal information collected by the Company is used to fulfill your requests for information regarding the Company's products and services, and to contact you about the Company's products and services. When you provide personal information to the Company, you are asked to consent to the Company's use of your personal information as described in this privacy policy.

A few select employees at the Company have access to your personal information for monitoring, marketing, demographic, and promotional purposes as well as to assist us in customizing the content of our websites to provide information that may be of interest to you. Except as otherwise described in this privacy policy, the Company does not disclose personal information to any third parties. The Company may share your personal information with other companies when: (1) it is necessary to provide your personal information to another company that assists us in providing you products or services, (2) the Company is required to provide your personal information by law, court order or legal process, (3) the Company finds that your actions on one of its websites violates the Company's terms of use agreement to which you agree by using a Company website, or (4) the Company sells or otherwise transfers your personal information in connection to a successor of the Company or any subsidiary or division of the Company in connection with an asset sale, merger, consolidation, divestiture, stock sale or other corporate transaction, or by way of assignment (whether by operation of law or otherwise) in connection with any such or similar transaction or in connection with the administration of a bankruptcy estate.

What about cookies?

The Company reserves the right to use cookies in connection with Company websites. A "cookie" is a persistent, client side hypertext transfer protocol file. Cookies are pieces of information that a website can transfer to a visitor's hard drive for record-keeping purposes. Cookies help web surfing by saving visitor preferences and other information. The use of cookies is a widespread industry standard and thus many major websites use cookies. Most Web browsers are configured to accept and process cookies. You can configure your browser to refuse cookies.

The Company uses cookies to store non-personal information, such as Language and Connection Speed settings, and to "remember" things like whether a visitor has responded to a particular element of a Company website. The Company collects this information in non-identifying, anonymous and aggregate form to enhance the design of our websites and to collect general statistical information.The Company does not use cookies to access, trace or track any personal information. If you have any questions concerning our use of cookies, please contact us by sending an email to: gray914220@aol.com.

Even after you have granted the Company you consent to collect personal information, you may opt-out of having your personal information collected by contacting us by e-mail or regular mail. Please note that in order to fulfill certain obligations, we may need to continue sending you notices or other important information concerning any orders or services you request.

Accessing your personal information once given

You have the right to request information about the existence, use and disclosure of your personal information and to challenge the accuracy and completeness of your personal information, and to have your personal information amended where inaccurate or deleted from the Company's database. To do so, simply e-mail the Company at gray914220@aol.com, or write to the Company at 817 Columns Drive, Lithia Springs, Georgia, 30122, attention: G. Charles Ray, President. On each e-mail you receive from the Company, you will be given the opportunity to change, modify, or delete information which you have previously provided to the Company and you will also be given the opportunity to unsubscribe, thereby removing your e-mail address permanently from the Company's mailing list.