Privacy Policy

Last updated  Feb 19, 2024

This Privacy Policy (“Privacy Policy”) describes the types of personal information we, Narrative Mindworks Corporation (“Narrative Mindworks”, “us,” our” or “we”), may collect about you in the context of your use of use of, and access to, our website located at https://members.narrativemindworks.org/[AG2] and all other websites, mobile sites, services, applications, mobile applications, platforms and other tools where these terms appear or are otherwise referenced (collectively the “Website”) and the features and functionality thereof (the “Service(s)”), the purposes for which we use the information, and the circumstances in which we may share such information.

When you visit the Website, we collect certain personal information about you. As used in this Privacy Policy, “personal information” means information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, to you or your household.

By using the Website, you consent to the collection and use of your personal information as described in this Privacy Policy, and as applicable, our Terms of Use, and as permitted or required by law. If you do not agree with the terms set out in this Privacy Policy, please do not use our Website or Services.

We collect, use and are responsible for certain personal information about you. When we do so we are subject to various laws in the United States and the General Data Protection Regulation which applies across the European Union (including in the United Kingdom), and we are responsible as "controller" of that personal information for the purposes of those laws.

Key Terms. It would be helpful to start by explaining some key terms used in this policy:

COLLECTION OF PERSONAL INFORMATION

The categories below describe the personal information we have collected and may have shared with one or more third parties in the past twelve months or may collect about you and may share with one or more third parties and the sources from which we collect those categories of personal information.

This personal information is required to provide services to you. If you do not provide personal information we ask for, it may delay or prevent us from providing services to you.

USE OF PERSONAL INFORMATION

We may use your information for the following purposes:

• Sending you communications and administrative emails;
• Personalizing and tailoring the features, performance and support of the Website;
• Identifying you as a user on the Website;
• For the performance of a contract between you and us;
• Sending you promotional/marketing information, advertising, newsletters, offers or other information from us;
• Providing support related to your account or transactions you may place on the Website;
• Providing you with opportunities and functionality that we think would be of particular interest;
• Analyzing, benchmarking and conducting research on user data and interactions with the Website;
• Processing services, resolving disputes, preventing fraud and verifying your identity;
• Monitoring, maintaining, administering and improving Website performance;
• Ensuring Narrative Mindworks organizational policies are adhered to, e.g. policies covering security and internet use;
• Protecting your, our, or third parties’ networks, systems, property, or physical safety;
• Complying with requests from regulatory agencies, law enforcement, and other public and government authorities, as well as with relevant industry standards and policies;
• Enforcing our contracts, terms, and conditions or otherwise exercising our legal rights; defending ourselves from claims; and complying with laws and regulations that apply to us or third parties with whom we work;
• Aggregating the information collected via cookies and similar technologies to use in statistical analysis to help us track trends, analyze patterns, and conduct research and product development;
• Statistical analysis to help us manage our organization;
• Responding to your inquiries related to employment opportunities or other requests;
• Participating in any merger, acquisition, or other corporate transaction;
• Meeting our or third parties’ audit and compliance requirements; and
• For any other purposes that we may specifically disclose at the time you provide or we collect your information.

The above list does not apply to special category personal or sensitive information, which we will only process with your explicit consent.

Anonymized or Aggregated Information

We may also use data that we collect on an aggregate or anonymous basis (such that it does not identify any individual users) for various business/organizational purposes, where permissible under applicable laws and regulations, including for research, product development, and the purposes set forth above.  We may publish or otherwise provide our research containing this aggregated data in our products and services to third parties. If you would like to opt out of inclusion of your information in such aggregated data, please email privacy@narrativemindworks.org.

SHARING OF PERSONAL INFORMATION WITH OTHER ENTITIES

We may share personal information about you with other entities, including entities that provide services to us. We do not disclose your personal information collected through the Website to other entities, except as described in this Privacy Policy.

We may share your personal information with the following types of entities or in the following situations:

Service providers: We engage service providers to facilitate our operation of the Website and provide the Services. These service providers analyze information about the Website and your use of the Website. Information disclosed for these purposes may include device and online identifiers, ISP information, session ID and /or session log data, information about your internet, browser, and network activity, and location data.  We only allow our service providers to handle your personal information if we are satisfied they take appropriate measures to protect your personal information. We also impose contractual obligations on service providers relating to ensure they can only use your personal information to provide services to us and to you.

Legal authorities, emergency responders and other legal requirements: We may disclose personal information to third parties as permitted by, or to comply with, applicable laws, regulations, or legal obligations, including but not limited to responding to a subpoena or similar legal process, protecting against fraud, cooperating with law enforcement or regulatory authorities, protecting and defending the rights or property of Narrative Mindworks, preventing or investigating possible wrongdoing in connection with the Website/Services, protecting the personal safety of users of the service or the public, and protecting against legal liability. Information disclosed for these purposes may include device and online identifiers, information about your internet, browser, and network activity, and location data.

For Corporation transfers: We may share or transfer your personal information in connection with, or during negotiations of, any merger, sale of our assets, financing, or acquisition of all or a portion of our organization to another entity.

Affiliates: We may share your personal information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

With Corporate partners: We may share your personal information with third party companies that are our organization’s partners to offer you certain products, services or promotions.

Promotional Communications. We may use your personal information to send you updates by email about our services, including exclusive offers, promotions or new products or services.

We have a legitimate interest in processing your personal information for promotional purposes. This means we do not usually need your consent to send you promotional communications. However, where consent is needed, we will ask for this consent separately and clearly.

You have the right to opt out of receiving promotional communications at any time by contacting us at privacy@narrativemindworks.com.

Cookies and Other Tracking Technologies

We, our affiliates and/or other persons acting on our or their behalf use cookies and similar technology, such as web beacons (also known as clear GIFs or pixel tags), or similar technologies as they may develop over time to collect, use, and share information when you visit our online services or interact with us online, via email or through other electronic means.

Cookies are small pieces of data sent from a website and stored on a device.  Cookies may enable us to capture and compile statistical information about how you use our online services, including information relating to your device’s IP address, the frequency of your visits, readership data (such as the average length of visits, which pages are viewed or shared during a visit or other interactions with our content, such as time spent viewing videos, PDFs read and links clicked), authentication information, acceptance or rejection of website terms, and periods of inactivity.  To learn more about cookies, including information on what cookies have been set on your device and how cookies can be managed and deleted, visit https://www.allaboutcookies.org/.

Our online services also use web beacons.  Web beacons are invisible tags and may be placed on a webpage, in advertisements, or in an email or other message.  They usually work in conjunction with cookies, registering when a particular device visits a particular page. 

“Clickstream” data (e.g., information regarding which of our Website pages you access, the frequency of such access, and your product and service preferences) may be collected by Narrative Mindworks itself, or by our service providers, using cookies, web beacons, page tags, or similar tools that are set when you visit the Website or when you view an advertisement we may have placed on another website. Clickstream data and similar information may be shared internally within Narrative Mindworks and used for administrative purposes to assess the usage, value and performance of our online products and services; to improve your experience with the Website; and as otherwise permitted by applicable law or regulation. This information may be processed by us for the purposes described above, or on our behalf by other entities, solely in accordance with our instructions.

How We Use These Technologies

We, our services providers, and third party corporate partners may use information collected from cookies, web beacons, and similar technologies for the following purposes:

to allow our online services to operate as you have requested;

to understand how our online services are accessed and used;

to recognize you when you return to our Website;

to assess the effectiveness of advertising and readership content;

to deliver marketing communications that may be of interest to you, including ads or offers tailored to you; and;

for other purposes described above under “USE OF PERSONAL INFORMATION.”

We may combine the information that we collect through cookies, web beacons and similar technologies with other personal information we have collected from you from both online and offline sources.

We may work with service providers to promote our products and services both on the Website and other websites.  For example, if you visit a page on the Website or third-party websites that provides information about one of our products or services, a cookie may be placed on your browser or device that identifies the product or service you viewed.  This information allows us, our service providers, and our third-party corporate partners to deliver more relevant and tailored content, such as ads for that particular product or service.

Other than service providers, we do not allow unaffiliated third parties to collect personal information about your activities on the Website. 

Managing Your Preferences

Web Browser Preferences

Many web browsers allow you to manage your preferences. You can set your browser to refuse cookies or delete certain cookies.  Unless you have adjusted your browser setting so that it will reject cookies, our system may issue cookies when you access or use our online services.  In the event you refuse to accept cookies by adjusting your browser setting, some or all areas of our online services may not function properly or may not be accessible.

You can also opt out of online targeted advertising by companies participating in the Digital Advertising Alliance by visiting https://www.aboutads.info/choices.

Mobile Device Preferences

Your mobile device may give you the ability to opt out of the use of information about the mobile browsers or apps you use in order to serve you ads that are targeted to your interests.  You can stop the collection of location information from your mobile device by changing the preferences on your mobile device.

Do Not Track Policy

Most browsers can be set to send signals to third party websites requesting them not to track the user’s activities.  At this time, we do not respond to “do not track” signals.  Consequently, our third party service providers may indeed track and collect information about your online activities over time while navigating to, from and on our online services, notwithstanding any “do not track” signals we may receive.

Keeping Your Personal Information Secure. Our goal is to protect your personal information submitted to us through our Website or online services. We maintain appropriate reasonable physical, electronic, and procedural safeguards that comply with applicable law to guard nonpublic personal information about you against loss, misuse or unauthorized access, disclosure, alteration or destruction of the information you have provided to us through our online services. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality. We have internal policies governing the proper handling of consumer information by personnel and requiring third parties that provide support or marketing services on our behalf to adhere to appropriate security standards with respect to such information. We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so. The security of your personal information is important to us, but please note that no method of transmission over the Internet, or method of electronic storage is perfectly secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

Where Your Personal Information is Held. The Website and our Services are United States-based, and are controlled, operated and administered from our offices within the United States.   However, Narrative Mindworks, its operations, workforce, and service providers are located throughout the world. Information may be held at our offices and those of our third party agencies, service providers, representatives and agents as described above (see above: "SHARING OF PERSONAL INFORMATION WITH OTHER ENTITIES"). Some of these third parties may be based outside the European Economic Area. For more information, including on how we safeguard your personal information when this occurs, see below: "Transferring Your Personal Information Out of the EEA". For more information on how specific service providers process personal information, see the section below “Detailed Information on the Processing of Your Personal Information”.

If you have additional questions about how we protect your information, please contact us at privacy@narrativemindworks.com.

Links to Other Websites

This Privacy Policy only applies to the use and disclosure of information we collect through our online services. Our online services may contain links to other websites belonging to third parties that are not affiliated with us. The inclusion of any link on our Website or otherwise in our online services does not imply our endorsement of the linked website or service. While we try to link only to websites that meet our standards and respect for privacy, we are not responsible for the content, security, or privacy practices employed by other websites, or links posted on our online services. Information you disclose to other parties or through such sites is subject to the privacy and security practices and policies of those parties or websites.  We disclaim all liability, to the extent permissible, with regard to your access to such linked websites.  Access to any other websites is at your own discretion and we encourage you to read the privacy statements of each and every website or online services visited in order to learn how such third parties may treat your information.

Information Collected from Third Party Companies

We may receive personal information and/or anonymous data about you from companies that help us provide our Services or with whom we enter into a business relationship.  We may add this information to the personal information we have already collected from you via the Website or Services in order to improve the Services we provide, the features we offer you, or the functionality of the Website.

Email Communications

We will periodically send you free newsletters and e-mails that directly promote our products, our partners’ products, the use of our Website or the Services.  When you receive newsletters or promotional communications from us, you may indicate a preference to stop receiving further communications from us and you will have the opportunity to “opt-out” by following the unsubscribe instructions provided in the e-mail you receive or by contacting us directly (please see contact information below).  Withdrawing your consent for one mailing list will not affect your receipt of messages from other mailing lists or of information concerning your purchases. Despite your indicated e-mail preferences, we may send you service related or administrative communications, including notices of any updates to our Terms of Use or Privacy Policy.

How Long Your Personal Information Will Be Kept. Personal Information shall be processed and stored for as long as required by the purpose they have been collected for. Personal Information  collected for purposes related to the performance of a contract between the us and you shall be retained until such contract has been fully performed. Personal information collected for the purposes of our legitimate interests shall be retained as long as needed to fulfill such purposes. Narrative Mindworks may be allowed to retain Personal information for a longer period whenever you have given consent to such processing, as long as such consent is not withdrawn. Furthermore, we may be obliged to retain Personal information for a longer period whenever required to do so for the performance of a legal obligation or upon order of an authority. Once the relevant personal information retention period expires, Personal information shall be deleted. Therefore, the right of access, the right to erasure, the right to rectification and the right to data portability cannot be enforced after expiration of the retention period.

Transferring Your Personal Information Out of the EEA. To deliver services to you, it is sometimes necessary for us to share your personal information outside the European Economic Area (EEA), e.g.:

• With our offices, which are located outside the EEA;

• With your and our service providers located outside the EEA;

• If you are based outside the EEA; or

• Where there is an international dimension to the services we are providing to you or the contract between you and us.

These transfers are subject to special rules under European and UK data protection law. These non-EEA countries do not have the same data protection laws as the United Kingdom and EEA. We will, however, ensure the transfer complies with data protection law and all personal information will be secure. If you would like further information, please contact us at privacy@narrativemindworks.com or see "How To Contact Us" below. 

Detailed Information on the Processing of Your Personal Information

Our third-party service providers have access to your personal information only to perform their tasks on our behalf and are obligated not to disclose or use it for any other purpose. 

Website

We use Amazon Web Services (AWS) to power our Website. You can read more about how Amazon uses your Personal Information here: https://aws.amazon.com/privacy/ 

Invisible reCAPTCHA

We use an invisible captcha service named reCAPTCHA. reCAPTCHA is operated by Google.

The reCAPTCHA service may collect information from you and from your device for security purposes. The information gathered by reCAPTCHA is held in accordance with the Privacy Policy of Google: https://www.google.com/intl/en/policies/privacy/.

We use Joomla to host and serve content on our Website. You can read more about how Joomla uses your Personal Information here: https://www.joomla.org/privacy-policy.html 

Email Marketing & Communications

We may use third party email service providers to manage and send emails to you. We may use your personal information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.  Third party services SMS services that we used or may use in the future include Your Membership operated by Community Brands.  For more information about these services and their privacy policies, please visit their websites.

(https://www.yourmembership.com/privacy-policy/ ). 

SMS Marketing & Communications

We may use third party SMS service providers to manage and send SMS text messages to you. We may use your personal information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any text message we send or by contacting us.  Third party services SMS services that we used or may use in the future include Your Membership operated by Community Brands.  For more information about these services and their privacy policies, please visit their websites.

(https://www.yourmembership.com/privacy-policy/ ). 

Payments

We may provide paid products and/or services within the Website. In that case, we may use third-party services for payment processing (e.g. payment processors). We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information. Third party services that we used or may use include BluePay and CardPointe. For more information about these services and their privacy policies, please visit their websites:

BluePay: https://www.clover.com/privacy-policy

Cardpointe: https://www.cardconnect.com/privacy-policy/

PROTECTING CHILDREN’S PRIVACY ONLINE

Protecting the privacy of minors is important to Narrative Mindworks. We comply with the Children’s Online Privacy Protection Act in the United States, and similar laws around the world, where applicable. The Website, and the Services are not directed to or intended for individuals under 18 years of age. We do not knowingly collect or solicit personal information from or about individuals under the age of 18, or the relevant minimum age under applicable local legal requirements, except as permitted under applicable law. If you become aware that we have collected personal information from a minor, please contact us at privacy@narrativemindworks.com so that we can promptly investigate and address the issue.

CALIFORNIA RESIDENTS

California residents should be aware that this section does not apply to: personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) and its implementing regulations, the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994; or other information subject to a California Consumer Privacy Act (CCPA) exception.

Your Rights under the CCPA

Under this Privacy Policy, and by law if you are a resident of California, you may have the following rights:

Exercising Your CCPA Data Protection Rights

In order to exercise any of your rights under the CCPA, and if you are a California resident, you can email us at privacy@narrativemindworks.com.

California law requires us to verify the requests we receive from you when you exercise certain of the rights listed above. To verify your request, we will check the information you provide us in your request against third party identity verification tools. As part of this process, we may call you after you submit your request to verify information. You may also designate an authorized agent to exercise certain of the rights listed above on your behalf by providing the authorized agent with power of attorney pursuant to the California Probate Code. If an authorized agent submits a request on your behalf, we will contact you to verify that they represent you.

 Narrative Mindworks will disclose and deliver the required information free of charge within 45 days of receiving your verifiable request. The time period to provide the required information may be extended once by an additional 45 days when reasonably necessary and with prior notice.

Do Not Sell My Personal Information

We do not sell personal information. However, the third party service providers we partner with (for example, our advertising partners) may use technology on the Website that shares or “sells” personal information as defined by the CCPA law.  If you wish to opt out of the use of your personal information for interest-based advertising purposes and these potential sales as defined under CCPA law, you may do so by following the instructions below or by emailing us at privacy@narrativemindworks.com.  Please note that any opt out is specific to the browser you use. You may need to opt out on every browser on every device that you use.

Website

You can opt out of receiving ads that are personalized as served by our service providers by emailing us at privacy@narrativemindworks.com.

Mobile Devices

Your mobile device may give you the ability to opt out of the use of information about the apps you use in order to serve you ads that are targeted to your interests:

• "Opt out of Interest-Based Ads" or "Opt out of Ads Personalization" on Android devices
• "Limit Ad Tracking" on iOS devices

You can also stop the collection of location information from Your mobile device by changing the preferences on your mobile device. 

"Do Not Track" Policy as Required by California Online Privacy Protection Act (CalOPPA)

Our Website does not respond to Do Not Track signals.  However, some third-party websites do keep track of your browsing activities. If you are visiting such websites, you can set your preferences in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track signals by visiting the preferences or settings page of Your web browser. 

Your California Privacy Rights (California's Shine the Light law)

Under California Civil Code Section 1798 (California's Shine the Light law), California residents with an established business relationship with us can request information once a year about sharing their personal information with third parties for the third parties' direct marketing purposes.  If you'd like to request more information under the California Shine the Light law, and if you are a California resident, you can contact us by email at privacy@narrativemindworks.com. 

COLORADO RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all users who are consumers residing in the State of Colorado, according to the “Colorado Privacy Act" (the "CPA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. This part of the document uses the term “personal data” as defined in the CPA. Colorado law gives Colorado consumers the right to (i) access, correct, delete, or obtain a copy of their personal information in a portable format, and (ii) to request that a company not sell their personal information. If you are a Colorado consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

CONNECTICUT RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Connecticut, according to “An Act Concerning Personal Data Privacy and Online Monitoring " (also known as "The Connecticut Data Privacy Act" or the “CTDPA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. This part of the document uses the term “personal data” as defined in the CTDPA. Connecticut law gives Connecticut consumers the right to:  (i) access, correct, delete, or obtain a copy of their personal information in a portable format, and (ii) opt out of the processing of your personal data for the purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you. If you are a Connecticut consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

MONTANTA RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Montana, according to the “Montana Consumer Data Privacy Act" (also known as the "Montana Privacy Law" or the “MCDPA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. The MCDPA  gives Montana consumers the right (i) confirm whether the controller is processing the consumer's data and provide access to the consumer's data; (ii) correct inaccurate personal data of the consumer; (iii) request deletion of their personal data; (iv) obtain a portable copy of their personal data; and (v) opt out of the processing of the consumer's personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of solely automated decisions that produce legal or similarly significant effects concerning the consumer. If you are a Montana consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

NEVADA RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Nevada, according to “Nevada Privacy of Information Collected on the Internet from Consumers Act" (also known as the "Nevada Privacy Law" or the “NPICICA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. The Nevada Privacy Law  gives Nevada consumers the right to request that a company not sell their personal information. If you are a Nevada consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

OREGON RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Oregon, according to “Oregon Consumer Privacy Act", and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. The Oregon Consumer Privacy Act  gives Oregon consumers the right (i) to know that a controller is processing or has processed their personal data; the categories of personal data the controller is processing or has processed; and a list of specific third parties for which data has been disclosed; (ii) to correct inaccuracies in personal data about the consumer, taking into account the nature of the personal data and purpose for processing the personal data; (iii) delete personal data about the consumer, including personal data the consumer provided to the controller, personal data the controller obtained from another source and derived data; (iv) to opt-out of the processing of their personal data for targeted advertising, sales or profiling of the consumer in furtherance of decisions that produce legal effects or effects of similar significance; and (v) to obtain a portable and readily usable copy of their personal data. If you are an Oregon consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

TEXAS RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Texas, according to “Texas Data Privacy and Security Act" (also known as the "Texas Privacy Law" or the “TDPSA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy. The TDSPA  gives Texas consumers the right (i) confirm whether a controller is processing their personal data and access that data; (ii) correct inaccuracies in their personal data; (iii) request deletion of their data (whether the personal data was provided by the consumer or obtained about the consumer); (iv) obtain a portable copy of their personal data; (v) opt out of processing for the purposes of targeted advertising, sale of personal data or profiling; and (vi) appeal a controller’s refusal to take action on a consumer request to exercise their rights.. If you are a Texas consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

UTAH RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Utah, according to  the “Utah Consumer Privacy Act” (“UCPA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy.  The UCPA  gives Utah consumers the right to (i) access, delete, or obtain a copy of their personal information in a portable format, and (ii) opt out of the processing of your personal data for the purposes of targeted advertising, the sale of personal data.  If you are a Utah consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

VIRGINIA RESIDENTS

This part of the document integrates with and supplements the information contained in the rest of the privacy policy. The provisions contained in this section apply to all who are consumers residing in the State of Virginia, according to  the “Virginia Consumer Data Protection Act” (“VCDPA"), and, for such consumers, these provisions supersede any other possibly divergent or conflicting provisions contained in the privacy policy.  The VCDPA gives Virginia consumers the right to (i) access, correct, delete, or obtain a copy of their personal information in a portable format, (ii) opt out of the processing of your personal data for the purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects concerning you, and (iii) not be discriminated against for exercising any of the data privacy rights granted. If you are a Virginia consumer and wish to exercise these rights, please submit your request by emailing us at privacy@narrativemindworks.com. 

INTERNATIONAL USERS

Our online services are United States-based and are controlled, operated and administered by Narrative Mindworks from its offices within the United States of America, and are made available to you on an unsolicited basis, without any marketing or promotion regarding these online services to you from Narrative Mindworks or its personnel.  This Privacy Policy is provided in accordance with and subject to applicable U.S. law.  If you decide to continue to access our online services from your location outside the United States, you hereby agree that your use of those services is subject to this Privacy Policy and your personal information will be transferred to or processed within the United States.

GDPR Privacy

Legal Basis for Processing Personal Information under GDPR

We may process personal information under the following conditions:

• Consent - you have given your consent for processing personal information for one or more specific purposes.
• Performance of a contract - provision of personal information is necessary for the performance of an agreement with you and/or for any pre-contractual obligations thereof.
• Legal obligations - processing personal information is necessary for compliance with a legal obligation to which we are subject.
• Vital interests - processing personal information is necessary in order to protect your vital interests or of another natural person.
• Public interests - processing personal information is related to a task that is carried out in the public interest or in the exercise of official authority vested in Narrative Mindworks.
• Legitimate interests: processing personal information is necessary for the purposes of the legitimate interests pursued by the Narrative Mindworks.

In any case, the Company will gladly help to clarify the specific legal basis that applies to the processing, and in particular whether the provision of personal information is a statutory or contractual requirement, or a requirement necessary to enter into a contract.

Your Rights under the GDPR

The Company undertakes to respect the confidentiality of your personal information and to enable you to exercise your rights under the GDPR.

Under this Privacy Policy, and by law if you are within the European Economic Area (“EEA”), you have the following rights:

For further information on each of those rights, including the circumstances in which they apply, see the guidance from the UK Information Commissioner's Office (ICO) on individual rights under the General Data Protection Regulation. 

Exercising of Your GDPR Data Protection Rights

We hope that we or our Data Protection Officer can resolve any query or concern you raise about our use of your information. You may exercise your GDPR data protection rights by contacting us as set forth below. Please note that we may ask you to verify your identity before responding to such requests. If you make a request, we will try our best to respond to you as soon as possible.

The General Data Protection Regulation also gives you right to lodge a complaint with a supervisory authority, in the European Union (or European Economic Area) state where you work, normally live, or where any alleged infringement of data protection laws occurred.  

Contacting Our GDPR Data Protection Officer

We have designated a Data Protection Officer whom you have the right to contact with regard to all issues related to processing of your personal information and to the exercise of your rights under the GDPR.  You may exercise your GDPR data protection rights by contacting us contacting us as set forth below.

EEA data subjects may contact the data protection officer with regard to all issues related to processing of their personal data and to the exercise of their rights under the GDPR. 

Changes to This Privacy Notice.

We may change this privacy notice from time to time–when we do, we will inform you via our website or other means of contact such as email. 

How to Contact Us. Please contact us, or our Data Protection Officer, by post, email or telephone if you have any questions about this privacy policy or the information we hold about you. 

Our contact details are shown below:

Do You Need Extra Help? If you would like this notice in another format (for example: audio, large print, braille) please contact us (see "How to contact us" above).

Terms of Use

Last Updated: February 19, 2024

Welcome to NarrativeMindworks.org

PLEASE TAKE A FEW MINUTES TO REVIEW THESE TERMS OF USE ("TERMS"). THESE TERMS APPLY TO YOUR ACCESS AND USE OF THE NARRATIVEMINDWORKS.ORG WEBSITE, ALL OTHER WEBSITES, MOBILE SITES, SERVICES, APPLICATIONS, PLATFORMS AND OTHER TOOLS WHERE THESE TERMS APPEAR OR ARE OTHERWISE REFERENCED, OR FOR WHICH NO SEPARATE TERMS ARE PROVIDED AS WELL AS TO YOUR VISITS TO OR INTERACTION WITH US IN ANY OF OUR STORES OR ELSEWHERE (COLLECTIVELY, THE "SITE").

YOUR USE OF THE SITE CONSTITUTES YOUR UNCONDITIONAL AGREEMENT TO FOLLOW THESE TERMS AND TO BE BOUND BY THEM, THUS PLEASE READ THEM CAREFULLY. IF YOU DO NOT ACCEPT THESE TERMS, THEN PLEASE DO NOT USE THE SITE.

THE INFORMATION CONTAINED HEREIN SETS FORTH YOUR RIGHTS AND OBLIGATIONS WITH RESPECT TO THE SALES TRANSACTION(S) CONTEMPLATED FOR HEREBY. THESE TERMS REQUIRE THE USE OF ARBITRATION (ON AN INDIVIDUAL BASIS ONLY; I.E., CASE CONSOLIDATIONS AND CLASS-ACTIONS ARE NOT PERMITTED) IN ORDER TO RESOLVE DISPUTES. PLEASE REVIEW THIS DOCUMENT IN ITS ENTIRETY BEFORE ENTERING INTO ANY TRANSACTION HEREUNDER IN ORDER TO CONFIRM YOUR ACCEPTANCE HEREOF. YOU MAY NOT ORDER OR OBTAIN PRODUCTS OR SERVICES FROM THIS WEBSITE UNLESS YOU: (A) AGREE TO THESE TERMS AND CONDITIONS IN THEIR ENTIRETY; (B) ARE AT LEAST 18 YEARS OLD; AND (C) ARE NOT PROHIBITED FROM ACCESSING OR USING THIS WEBSITE OR ANY OF THIS WEBSITE'S CONTENTS, GOODS, OR SERVICES BY ANY APPLICABLE LAW, RULE, OR REGULATION. PLEASE REVIEW THE MUTUAL ARBITRATION AGREEMENT SET FORTH BELOW CAREFULLY, AS IT WILL REQUIRE YOU TO RESOLVE DISPUTES WITH US ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING ARBITRATION AND WAIVING YOUR RIGHT TO A CLASS ACTION. BY ENTERING THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS MUTUAL ARBITRATION AGREEMENT AND HAVE TAKEN THE TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION. THESE TERMS ALSO CONTAIN RELEASES, LIMITATIONS ON LIABILITY, AND PROVISIONS ON INDEMNITY, ALL OF WHICH MAY LIMIT YOUR LEGAL RIGHTS AND REMEDIES.

AGREEMENT TO TERMS AND CONDITIONS OF USE BY USER

By using the Site, you acknowledge and accept without limitation or qualification, these Terms of Use and our Privacy Policy[AG2]  which is incorporated herein by reference and form part of your agreement with Narrative Mindworks. 

Who We Are

As used in the Terms and on the Site, "Narrative Mindworks”, “We”, “Our”, or “Us" refers to Narrative Mindworks Corporation, as well as any of its parents, affiliates, or subsidiaries and each of their respective shareholders, officers, directors, and employees. If you have any questions about these Terms, the Privacy Policy[AG3]or the Site, you may contact us via the Member Support information provided on the Site or as set forth below.

IMPORTANT INFORMATION FOR US RESIDENTS

BY ENTERING THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS MUTUAL ARBITRATION AGREEMENT AND HAVE TAKEN THE TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION. THESE TERMS ALSO CONTAIN RELEASES, LIMITATIONS ON LIABILITY, AND PROVISIONS ON INDEMNITY, ALL OF WHICH MAY LIMIT YOUR LEGAL RIGHTS AND REMEDIES.

CHANGES

We reserve the right to change or modify these Terms at any time and at our sole discretion. If we make changes to these Terms, we may provide notice of such changes, such as by posting a notice on our Site and/or updating the “Last Updated” date above. However, any changes or modifications will be effective immediately upon posting of the changes or modifications, and you waive any right you may have to receive specific notice of such changes or modifications, and to the extent permitted by law you waive any right you may have to receive specific notice of such changes or modifications. Your continued use of the Site following the posting of changes or modifications will confirm your acceptance of such changes or modifications. If you do not agree to the amended Terms, you must stop using our Site.

Any revised Terms and/or Privacy Policy supersede all previous versions, notices, policies, or statements regarding the Site. If we request, you agree to sign a non-electronic version of these Terms.

WEBSITE ACCESS

YOU MUST BE AT LEAST AGE 18 TO USE THE SITE.  By using the Site, you affirm that you are over age 18. If you are under 18, you may use the Site only with the consent, supervision and involvement of a parent or guardian who agrees to be bound by these terms.

IF YOU ARE A PARENT OR GUARDIAN THAT PROVIDES CONSENT TO YOUR MINOR’S REGISTRATION WITH AND USE OF THE SITE, YOU AGREE TO BE BOUND BY THESE TERMS IN RESPECT OF SUCH MINOR’S USE OF THE SITE AND BE FULLY RESPONSIBLE FOR THE ACTS OR OMISSIONS OF SUCH USER IN RELATION TO THE SITE.

Pursuant to 47 U.S.C. Section 230 (d), we hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available from https://en.wikipedia.org/wiki/Comparison_of_content-control_software_and_providers. Please note that we do not endorse any of the products or services listed on such site.

We reserve the right to refuse service and/or purchases, terminate accounts, remove or edit content, or cancel orders in its sole discretion.

We reserve the right to withdraw or amend this Site, and any service or material we provide on the Site, at our sole discretion without notice. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or the entire Site, to anyone. We also reserve the right to disable any account, username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.

YOUR ACCOUNT

You may be required to register with Us in order to access certain services or areas of the Site. If you create an account, your username and password are for your personal use only and you are responsible for maintaining the confidentiality of your account information (including your password) and for restricting access to your account. You agree to accept responsibility for all activities that occur under your account or password. In addition to all other rights available, We reserve the right, in our sole discretion, to terminate your account, refuse service to you, or cancel orders.

PRIVACY

Please review our Privacy Policy, which also governs your use of the Site, to understand how we collect, use, disclose, and secure personal information, as well as any rights that you may have.

ELECTRONIC COMMUNICATIONS

When visiting the Site, or when you send us emails, you are communicating with us electronically. By using the Site, you consent to receive communications from us electronically, including targeted emails, surveys, promotional offers and for other general business purposes. We may communicate with you by email or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically will satisfy any legal requirement that such communications be in writing.

GEOGRAPHIC RESTRICTIONS

We are based in the United States. Access to the Site may not be legal by certain persons or in certain countries. When you access the Site, you do so on your own initiative and are responsible for compliance with local laws.

INTELLECTUAL PROPERTY

The Site, including all of its information and contents such as photographs, images, text, data, wallpapers, icons, characters, artwork, graphics, page layout, form, music, sound, messages, software and the code used to generate the pages on the Site (collectively, the "Content"), is the property of Narrative Mindworks or that of Our authorized suppliers or licensors, and is protected by intellectual property and other applicable laws in the United States and/or abroad. Our intellectual property is registered in the United States and abroad. Except as otherwise provided on the Site or in these Terms, you may not download, upload, copy, print, display, reproduce, publish, license, post, distribute, or otherwise use any Content from the Site in whole or in part for any public or commercial purpose without Our specific prior written permission. We are the owner and/or authorized user of the Narrative Mindworks brand as well as any other registered or unregistered trademarks, trade dress, trade names, logos, designs, titles and product or service names appearing on the Site, and is the copyright owner or licensee of the Content on the Site, unless otherwise indicated. You may not use any metatags or any other "hidden text" utilizing any of Our names or trademarks without Our express written consent.

You agree not to infringe any or all of the title, ownership and intellectual property rights of Narrative Mindworks or any third parties. You hereby agree to indemnify and hold us harmless in the event of any claims of breach of intellectual property rights by or through your use of the Site and any content contained therein (or other material as set forth above). All rights not otherwise claimed under these Terms or by Us are hereby reserved.

YOUR USE OF THE SITE

We grant you a personal, limited, non-exclusive, nontransferable license to access and make personal non-commercial use of the Site and the Content and other information contained on the Site. This license does not include any resale or commercial use of the Site; any collection and commercial use of any photographs, texts,  or other Content published on the Site; any derivative use of the Site; any downloading, copying, or other use of the Site or the Content for the benefit of any third party; or any use of data mining, robots, or similar data gathering and extraction tools. You may use the Site only as permitted by law. All rights not expressly granted to you in these Terms are reserved and retained by Us and/or our suppliers and licensors. The licenses granted by Us to you automatically terminate if you do not comply with these Terms.

You agree to use the Site for your personal use only and shall in no event use any of the information, text, images, graphics, video clips, sound, directories, files, databases, listings etc. obtained on or through the Site for commercial purposes of any sort, nor for copying, reproducing, downloading, compiling whether directly, indirectly. Use of any content on the Site for purposes other than as permitted in these Terms is prohibited.

PROHIBITED USES

You may use the Site only for lawful purposes and in accordance with these Terms. You warrant, represent and agree not to use the Site:

• In any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the U.S. or other countries).
• For the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personal information or otherwise.
• To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any “junk mail”, “chain letter” or “spam” or any other similar solicitation.
• To impersonate or attempt to impersonate Narrative Mindworks, an employee or agent of Ours, another user or any other person or entity, including, without limitation, by using email addresses, telephone numbers, or screen names associated with any of the foregoing, or otherwise submitting false information.
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Site, or which, as determined by us, may harm Us or visitors or users of the Site or expose them to liability.
• To post or share anything that is illegal, abusive, harassing, harmful to reputation, pornographic, indecent, profane, obscene, hateful, racist, or otherwise objectionable.

Additionally, you warrant, represent and agree not to:

• Use the Site in any manner that could disable, overburden, damage, or impair the Site or interfere with any other party’s use of the Site, including their ability to engage in real time activities through the Site.
• Use any robot, spider or other automatic device, process or means to access the Site for any purpose, including monitoring or copying any of the material on the Site.
• Use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent.
• Use any device, software or routine that interferes with the proper working of the Site.
• Introduce any viruses, trojan horses, worms, logic bombs or other material, code or program which is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer or database connected to the Site.
• Attack the Site via a denial-of-service attack or a distributed denial-of-service attack.
• Attempt to gain unauthorized access to any personal information that may be contained on the Site, the server on which the Site is stored, or any server, computer, database or information system connected to the Site.
• Collect, store or use personal information about other users of the Site without their consent.
• Attempt to circumvent any technological measure implemented by us or any of our providers or any other third party (including another user) to protect the Site.
• Attempt to decipher, decompile, disassemble, or reverse engineer any of the software or other underlying code used to provide the Site.
• Otherwise attempt to interfere with the proper working of the Site.
• Violate, infringe, or misappropriate any other person’s or company’s intellectual property, privacy, publicity, or other legal rights;
• Advocate, encourage, or assist any third party in doing any of the foregoing.

USER GENERATED CONTENT

The Site may allow you to upload, submit, store, send, or receive content and data such as comments, reviews, text, video, photos and data ("User Generated Content"). You may also submit User Generated Content in the other ways that you interact with Us such as through social media, by email, by phone, and otherwise. You are solely responsible for your own User-Generated Content and the consequences of posting or publishing it to the Site. We do not endorse any User-Generated Content or any opinion or recommendation expressed therein.  We may refuse to accept or transmit User Generated Content for any reason with or without notice. We may remove User Generated Content from the Site for any reason with or without notice.

When you upload, post, submit, send, or receive any User Generated Content to or through the Site, you give Us a perpetual, worldwide, non-exclusive, irrevocable, fully-paid, royalty-free, fully sub-licensable (through multiple tiers) and transferable right and license to use, reproduce, distribute, edit, modify, translate, reformat, prepare derivative works based upon, display publicly, perform publicly and otherwise exploit (including but not limited to over the Internet, broadcast television or any other uses or media) your User Generated Content, in whole or in part, including future rights that We (including any successor) may otherwise become entitled to that do not yet exist, as well as new uses, media, means and forms of exploitation throughout the universe exploiting current or future technology yet to be developed. You grant Us and sublicensees the right to use the name that you submit in connection with such User-Generated Content, if they choose.

You further promise, warrant and represent that:

• you own all rights to your User Generated Content or, alternatively, that you have the right to give us the rights described above;
• your User Generated Content shall not contain or constitute viruses, political campaigning, commercial solicitation, affiliate links, chain letters, mass mailings or any form of "spam";
• your User Generated Content shall not be illegal, obscene, threatening, defamatory, constitute an invasive of privacy or infringement of any intellectual property rights, or otherwise be objectionable or injurious to third parties;
• your User Generated Content does not infringe the intellectual property rights, privacy rights, publicity rights, or other legal rights of any third party; and
• You shall not use a false email address or identity, or impersonate any person, or otherwise mislead Us as to the source, origin, author or submitter of any User Generated Content.

We have the right, but not the obligation, to monitor and edit or remove any activity or User Generated Content. We take no responsibility and assumes no liability for any User Generated Content. By posting User Generated Content, you agree to indemnify Us for all losses resulting from any claims related to or arising out of the User Generated Content that you supply, as further explained under the section below titled “Indemnity”.

You also agree further that We are not responsible and shall have no liability to you for any User Generated Content posted by others, including defamatory, offensive or illicit material and that the risk of damages from such material or content rests entirely with you.

USE OF SOCIAL MEDIA TAGS

When you use social media tags (such as on Instagram, Facebook, TikTok, Pinterest or X) that identify or are associated with Narrative Mindworks, including without limitation @narrativemindworks, #narrativemindworks, or any other similar social media tag in any way related to Us, you agree to provide Us with an unrestricted, irrevocable, non-exclusive, royalty-free, perpetual, fully paid-up, transferable, worldwide license to reproduce and use the uploaded content, including image(s), in Our (or our sublicensees’) marketing materials and through all social media channels.

OPEN SOURCE

The Site may include open source components, which are licensed for use and distribution under applicable open source licenses. Use of any open source components is governed by and subject to the terms and conditions of the applicable open source license.

LINKS TO OTHER WEBSITES

The Sites may contain links to third-party websites ("Other Sites") that are not under Our control. We make no claim and accept no responsibility regarding the quality, nature or reliability of the Other Sites that are accessible by hyperlinks from the Site or link to the Site. We provide these links to you as a convenience and the inclusion of any link does not imply endorsement by Us of Other Sites or any association with the operators of such Other Sites. You are responsible for viewing and abiding by the privacy statements and terms of use posted at any third-party sites.

OUTAGES

We periodically schedule system downtime for the Site for maintenance and other purposes. Unplanned system outages also may occur. You agree that We have no responsibility and are not liable for: (a) the unavailability of any part of the Site; (b) any loss of data, information or materials caused by such system outages; (c) the resultant delay, mis-delivery or non-delivery of data, information or materials caused by such system outages; or (d) any outages caused by any third parties, including without limitation any companies or servers hosting the Sites, any Internet service providers or otherwise.

INACCURACY DISCLAIMER

From time to time there may be information on our Site that contains typographical errors, inaccuracies, or omissions.  We endeavor to be as accurate as possible, however mistakes and omissions do happen. We do not warrant that content on the Site will always be accurate, complete, reliable, current, or error-free. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice.

RELIANCE ON INFORMATION POSTED

The information presented on or through the Site is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.

This Site may include content provided by third parties, including materials provided by other users (see User Generated Content), third-party licensors, syndicators, aggregators and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by Us, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect Our opinion. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

INDEMNITY

To the fullest extent permitted by applicable law, You agree to indemnify and hold Us, our partners, shareholders, directors, officers, Affiliates, agents and licensors harmless from any claims costs, proceedings, demands, losses, damages, and expenses (including, without limitation, reasonable attorney's fees and legal costs) of any kind or nature, made by any third party due to or arising out of (i) your use of the Site, including any User Generated Content you submit, post to or transmit through the Sites, (ii) your violation of these Terms, (iii) your infringement of the intellectual property rights of any third party; (iv) your violation of any rights of another user; and (v) your violation of any applicable law, rule or regulation. If we assume the defense of such a matter, you will reasonably cooperate with us in such defense.

DISCLAIMER & LIMITATION OF LIABILITY

THIS SITE AND ALL CONTENT AVAILABLE ON THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU ACKNOWLEDGE AND AGREE, BY YOUR USE OF THIS SITE THAT YOUR USE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE, AND THAT NARRATIVE MINDWORKS AND ITS PARTERS, OFFICERS, EMPLOYEES, DIRECTORS, SHAREHOLDERS, OWNERS, LLC SHAREHOLDERS, PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, AND LICENSORS ("AFFILIATES") SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THIS SITE OR OUR MOBILE APPLICATIONS.

IN PARTICULAR AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NARRATIVE MINDWORKS AND ITS AFFILIATES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF CONTENT AVAILABLE ON OR THROUGH THE SITE, OR THE CONTENT OF THE SITE OR ONLINE SERVICES LINKED TO OR INTEGRATED WITH THE SITE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NARRATIVE MINDWORKS AND ITS AFFILIATES WILL HAVE NO LIABILITY FOR ANY: (a) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (b) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE; (c) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS OR OF ANY PERSONAL INFORMATION OR USER DATA; (d) ANY INTERRUPTION OF TRANSMISSION TO OR FROM THE SITE; (e) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED ON OR THROUGH THE SITE BY ANY THIRD PARTY; OR (f) ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED OR SHARED THROUGH THE SITE.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL NARRATIVE MINDWORKS OR ITS AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING FOR THE LOSS OF PROFIT, REVENUE, OR DATA) ARISING OUT OF OR RELATING TO THE SITE OR MOBILE APPLICATIONS, HOWEVER CAUSED, AND UNDER WHATEVER CAUSE OF ACTION OR THEORY OF LIABILITY BROUGHT (INCLUDING UNDER ANY CONTRACT, NEGLIGENCE, OR OTHER TORT THEORY OF LIABILITY) EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for damages. Accordingly, some of the above limitations and disclaimers may not apply to you. To the extent we may not, as a matter of applicable law, disclaim any warranty or limit our liability, the scope and duration of such warranty and the extent of our liability will be the minimum permitted under such law.

ARBITRATION AGREEMENT & WAIVER OF CERTAIN RIGHTS

You and Narrative Mindworks agree that, except as set forth below, we will resolve any disputes between us (including any disputes between you and a third-party agent of Narrative Mindworks) through binding and final arbitration instead of through court proceedings. You and We hereby waive any right to a jury trial of any Claim (defined below). All controversies, claims, counterclaims, or other disputes arising between you and Us or you and a third-party agent of Narrative Mindworks (a "Claim") will be resolved exclusively by final and binding arbitration in accordance with the Rules of the American Arbitration Association ("AAA Rules"). The arbitration will be heard and determined by a single arbitrator. The place of arbitration shall be New York County, New York. The arbitrator's decision in any such arbitration will be final and binding upon the parties and may be enforced in any court of competent jurisdiction. The parties agree that the arbitration proceedings will be kept confidential and that the existence of the proceeding and any element of it (including, without limitation, any pleadings, briefs or other documents submitted or exchanged and any testimony or other oral submissions and awards) will not be disclosed beyond the arbitration proceedings, except as may lawfully be required in judicial proceedings relating to the arbitration, by applicable disclosure rules and regulations of securities regulatory authorities or other governmental agencies, or as specifically permitted by state law. The Federal Arbitration Act and federal arbitration law apply to this agreement. However, the arbitrator, and not any federal, state, or local court or agency, shall have the exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of these Terms including, but not limited to, a claim that all or any part of these Terms is void or voidable.

Sole Exceptions To Arbitration

Notwithstanding the foregoing, in lieu of arbitration: (1) either you or We can bring an individual claim in small claims court in the United States of America consistent with any applicable jurisdictional and monetary limits that may apply, provided that it is brought and maintained as an individual claim; and (2) you agree that you or We may bring suit in court to enjoin infringement or other misuse of intellectual property rights.  This arbitration agreement does not preclude you or Us from seeking action by federal, state, or local government agencies. In addition, you and We retain the right to apply to any court of competent jurisdiction for provisional relief, including pre-arbitral attachments or preliminary injunctions, and any such request shall not be deemed incompatible with these Terms, nor a waiver of the right to have disputes submitted to arbitration as provided in these Terms.

Jury Trial And Class Action Waiver

Neither you nor We may act as a class representative or private attorney general, nor participate as a member of a class of claimants, with respect to any Claim. Claims may not be arbitrated on a class or representative basis. The arbitrator can decide only your and/or Our individual Claims. The arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated.

If any provision of this Section is found to be invalid or unenforceable, then that specific provision shall be of no force and effect and shall be severed, but the remainder of this Section shall continue in full force and effect. If for any reason a claim proceeds in court rather than in arbitration you and We each waive any right to a jury trial. No waiver of any provision of this Section of the Terms will be effective or enforceable unless recorded in a writing signed by the party waiving such a right or requirement. Such a waiver shall not waive or affect any other portion of this Terms. The arbitrator may award in the arbitration the same damages or other relief available under applicable law, including injunctive and declaratory relief, as if the action were brought in court on an individual basis. Notwithstanding anything to the contrary in the foregoing or herein, the arbitrator may not issue a "public injunction" and any such "public injunction" may be awarded only by a federal or state court. If either party seeks a "public injunction," all other claims and prayers for relief must be adjudicated in arbitration first and any prayer or claim for a "public injunction" in federal or state court stayed until the arbitration is completed, after which the federal or state court can adjudicate the party's claim or prayer for "public injunctive relief." In doing so, the federal or state court is bound under principles of claim or issue preclusion by the decision of the arbitrator.

THIS SECTION LIMITS CERTAIN RIGHTS, INCLUDING THE RIGHT TO MAINTAIN A COURT ACTION, THE RIGHT TO A JURY TRIAL, THE RIGHT TO PARTICIPATE IN ANY FORM OF CLASS OR REPRESENTATIVE CLAIM, THE RIGHT TO ENGAGE IN DISCOVERY EXCEPT AS PROVIDED IN AAA RULES, AND THE RIGHT TO CERTAIN REMEDIES AND FORMS OF RELIEF. OTHER RIGHTS THAT YOU OR WE WOULD HAVE IN COURT ALSO MAY NOT BE AVAILABLE IN ARBITRATION.

Waiver of Rights under California Civil Code Section 1542.  You expressly acknowledge and agree that all rights under Section 1542 of the California Civil Code are expressly waived. That section provides: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR. In addition, you hereby knowingly and voluntarily waive any protection that may exist under any comparable or similar statutes and principles of common law or any other state laws as it pertains to the enforcement of the waivers provided in these Terms.

This Section of the Terms will survive the termination of your relationship with Narrative Mindworks.

GOVERNING LAW

You and We agree that any claim between us involves commerce under, and is governed exclusively by, the Federal Arbitration Act ("FAA") and federal law, and not by any state or local laws, or the laws of other countries, concerning or purporting to place limits on the availability or scope of arbitration or in any way imposing requirements beyond or inconsistent with those set forth in the FAA. Where otherwise applicable, the laws of the State of New York apply, without regard to its principles of conflicts of law. 

TERMINATION

Your ability to access and use the Site remains in effect until terminated in accordance with these Terms. You agree that Narrative Mindworks, in its sole discretion, may terminate your account and your use of the Site and may remove and delete your User Generated Content if We believes that you have violated or acted inconsistently with these Terms or for any other reason. We also may in our sole discretion, and at any time, discontinue providing the Site, or any part thereof, with or without notice. You agree that any termination of your access to the Site may be effected without prior notice and you acknowledge and agree that We may bar any further access to the Site. Further, you agree that We will not be liable to you or any third-party for any termination of access to the Site.

The provisions of the sections of the Terms entitled  ELECTRONIC COMMUNICATIONS, INTELLECTUAL PROPERTY, YOUR USE OF THE SITE, PROHIBITED USES, USER GENERATED CONTENT, USE OF SOCIAL MEDIA TAGS, RISK OF LOSS, RELIANCE ON INFORMATION POSTED, INDEMNITY, DISCLAIMER & LIMITATION OF LIABILITY, ARBITRATION AGREEMENT & WAIVER OF CERTAIN RIGHTS, GOVERNING LAW, together with and any other rights and obligations which by their nature are reasonably intended to survive such termination, will survive any termination of these Terms. 

OTHER PROVISIONS

Under no circumstances will we be held liable for any delay or failure in performance due in whole or in part to any acts of nature or other causes beyond our reasonable control. If any provision of these Terms is found to be unlawful or unenforceable, then that provision will be deemed severable from these Terms and will not affect the enforceability of any other provisions. The failure by us to enforce any right or provision of these Terms will not prevent us from enforcing such right or provision in the future. These Terms set forth the entire Agreement between you and Narrative Mindworks with respect to use of the Site and supersede any prior agreements between you and Us relating to such subject matter. The Terms are not assignable, transferable or sublicensable by you except with Our prior written consent. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. No agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by these Terms. Any heading, caption or section title contained herein is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. Narrative Mindworks’s performance of these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Our right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Us with respect to such use. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Site or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of these Terms and of any notices given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. The parties agree that all correspondence relating to these Terms of Use must be written in the English language.

The Site is operated by Narrative Mindworks in the State of New York, U.S.A. Narrative Mindworks makes no representations that the contents of any of the Site are appropriate or available for use in other locations. Visitors who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with applicable local law.

We may assign our rights and obligations under these Terms, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law. 

ACCESSIBILITY

We strive to make our Site content accessible and user-friendly. If you are having difficulty viewing the content on this Site or navigating the site, please contact us info@narrativemindwork.org, and we will be happy to assist you. 

VIOLATIONS

Please report any violations of these Terms to Us at info@narrativemindwork.org.

QUESTIONS?

If you have questions, comments or complaints about these Terms or the Sites, please contact Us at info@narrativemindwork.org.

DMCA POLICY

Narrative Mindworks Corporation (“Narrative Mindworks”, “us,” our” or “we”) has adopted the following procedures to respond to alleged copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”). The address of our designated agent to receive notification of infringement ("Designated Agent") is listed at the end of this policy. 

It is our policy to remove material that we believe in good faith to be copyrighted material that has been illegally copied and distributed by any of our users.

1. How to Report Copyright Infringement

If you believe that material or content residing on or accessible through the Website infringes a copyright, please send a notice of copyright infringement containing the following information to the Designated Agent listed below:

1. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright that has been allegedly infringed; 

2. Identification of works or materials being infringed; 

3. Identification of the material that is claimed to be infringing including information regarding the location of the infringing materials that the copyright owner seeks to have removed, with sufficient detail so that we are capable of finding and verifying its existence; 

4. Contact information about the copyright owner including address, telephone number and, if available, email address. If you are not the owner of the copyright that has been allegedly infringed, please describe your relationship to the copyright owner; 

5. A statement that you have a good faith belief that the material is not authorized by the copyright owner, its agent, or the law; and 

6. A statement made under penalty of perjury that the information provided is accurate and the notifying party is authorized to make the complaint on behalf of the copyright owner.

2. Upon Notification to the Designated Agent

It is our policy:

1. to remove or disable access to the infringing material; 

2. to notify the user that we have removed or disabled access to the material; and 

3. that repeat offenders will have the infringing material removed from the system and that we will terminate such user's access to the Website.

3. Counter-Notice by Content Provider

If the user believes that the material that was removed or to which access was disabled is either not infringing, or the user believes that it has the right to post and use such material from the copyright owner, the copyright owner's agent, or pursuant to the law, the user must send a counter-notice containing the following information to the Designated Agent listed below:

1. A physical or electronic signature of the user; 

2. Identification of the material that has been removed or to which access to has been disabled and the location at which the material appeared before it was removed or disabled; 

3. A statement that the user has a good faith belief that the material was removed or disabled as a result of mistake or a misidentification of the material; and 

4. User's name, address, telephone number, and, if available, e-mail address and a statement that such person or entity consents to the jurisdiction of the federal court for the judicial district in which the user's address is located, or if the user's address is located outside the United States, for the judicial district in which Narrative Mindworks is located, New York County in the State of New York, and that such person or entity will accept service of process from the person who provided notification of the alleged infringement. 

If a counter-notice is received by the Designated Agent, we may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed material or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the user, the removed material may be replaced or access to it restored in fourteen (14) business days or more after receipt of the counter-notice, solely at our discretion.

Please contact our Designated Agent at the following address:  Attn: LEGAL, Narrative Mindworks Corporation, 1216 Broadway, 2^nd Floor, New York, NY, 10001 or email: compliance@narrativemindworks.org.

You hereby acknowledge that if you fail to comply with the requirements set forth above, your DMCA notice may not be valid.

Website Accessibility Statement

We are committed to providing a website that is accessible to the widest possible audience, regardless of technology or ability. We aim to comply with all applicable standards, including WCAG 2.0 accessibility standards up to level AA.

If you have difficulty using or accessing any element of this website, please feel free to email us at info@narrativemindworks.org and we will work with you to provide the information, item, or transaction you seek through a communication method that is accessible for you consistent with applicable law (for example, through telephone support).

We are taking a variety of steps and devoting resources to further enhance the accessibility of our website. Please contact us if you have any feedback or suggestions as to how we could improve the accessibility of this website.

Community Rules and Privacy Guidelines

Welcome to the Narrative Mindworks, the professional association for narrative practices (NMWPA.org). Your Mindworks Community should be used to engage in respectful and relevant communication relevant to narrative practices, presentations, workshops, research, and other related works. Mindworks is an ideal space to ask questions, get advice, share best practices, locate and post opportunities within our community.

When you join the Mindworks Community you agree to abide by Community participation guidelines and rules.

We encourage members to engage freely but with civility. Respect the purposes of the Community. Any posting of illegal content, copyrighted material without permission, or proper attribution, use of defamatory, incendiary, threatening, violent, harassing, or abusive language are grounds in violation of community rules. Notices of violation will be sent to the member. NMWPA reserves the right to temporarily suspend, and, or terminate membership.

Be respectful, don’t reply All when unnecessary, reply to the original sender. Do not harass another member. Be sensitive to members racial, ethnic, gender, socio-economic, geographic and abilities differences. We encourage members to engage in discussions in a wide range of topics, including sensitive ones, but to do so in a collegial and professional manner. All postings may be subject to applicable antitrust, slander and libel law. Keep subject headlines succinct and to the point. Do not dox or troll other members.

Legal: Mindworks may not be held liable for any damages resulting in the loss of profits or data in connection with the use of this site. Mindworks is not responsible for the information and opinions of members posting on this site. We disclaim all warranties with respect to information services, and products as noted in Article 2 of the Uniform Commercial Code; all implied warranties of merchantability and fitness. In no circumstances shall Mindworks be held liable for any damages resulting from the performance or usage of data posted on the site. Do not upload spam, suspected viruses and unsolicited messages, or anything known that may corrupt Mindworks operation. All relevant state, federal and international laws are applicable.

Terms of Use and Operation: Mindworks is not responsible for interruption, or any other interference in provided services by force majeure. We reserve the right to update and revise our policy and terms and conditions. All notice of material changes as required by applicable law and in need of member consent will be posted.