Privacy Policy

WHO WE ARE

Welcome to CDMA Business Model web site. In return for access to the information we are providing, we require that you abide by these Terms and Conditions in your use of this web site. If you do not accept these Terms and Conditions, you are not authorized to use this web site. Your use of this web site is your automatic agreement to these Terms of Use.

COMMENTS

When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

MEDIA

If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

COOKIES

If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

EMBEDDED CONTENT FROM OTHER WEBSITES

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

HOW LONG WE RETAIN YOUR DATA

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

WHAT RIGHTS YOU HAVE OVER YOUR DATA

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

WHERE WE SEND YOUR DATA

Visitor comments may be checked through an automated spam detection service.

Statement Of Non-DiscriminationCDMA Business Model does not discriminate based on race, class, national origin, religion, gender, or culture.
Parent(s) Local ResponsibilitiesParents enrolling their students in our program need to meet all applicable local and state home school requirements.
Children’s Online Privacy Protection Act Of 1998We comply strictly with applicable laws and regulations, including the Children’s Online Privacy Protection Act of 1998, for the protection of children’s online privacy. We do not:

  • Collect online contact information from children under the age of 13 without prior parental notification and consent which will include an opportunity for the parent to prevent use of the information and the child’s participation in the related activity. Without prior parental consent, online information will only be used to respond directly to a child’s request and will not be used for other purposes.
  • Collect the personally identifiable offline contact information of a child under age 13 without prior parental consent.
  • Distribute to third parties any personally identifiable information relating to a child under age 13 without prior parental consent.
  • Give children under age 13 the ability to publicly post or otherwise distribute personally identifiable contact information without prior parental consent.
  • Entice any child by the prospect of a special game, prize, or other activity, to divulge more information than is needed to participate in the activity.

Termination
This web site is designed to provide small business owners eighteen years or older, nonprofits, public service agencies and individuals such as teachers, parents and guardians of youth interested in entrepreneurship with access to various and proprietary collection of digital technology. If you are not a parent or guardian of the youth business brand or owner participant, teacher or administrator, or authorized program license holder then you are not authorized to use this web site. If at any time you are not in compliance with these Terms and Conditions, we have the right to terminate your rights of use and access to this web site. We also have the right to terminate your use at our discretion, for any reason or no reason.

Updates
We may amend these Terms and Conditions at any time. Your use of this web site after the posting of the amended Terms and Conditions constitutes automatic acceptance of the amended Terms of Use. Any information contained on this web site does not represent a commitment or contract or agreement on our part now or in the future. We make no commitment to update the information contained on this web site.

Limitations On Use
Your use and access of our proprietary collection of digital technology (.i.e. e-books, e-texts, and associated graphics) obtained through this web site is subject to the following limitations: The curriculum, e-books, e-texts, and associated graphics obtained through this web site may not be used for any commercial purpose. No e-books, e-texts, curriculum, and associated graphics obtained through this web site may be copied in print or electronic form without our permission. Users are not permitted to download the curriculum, e-books, e-texts, or associated graphics or any other content, except when specified. System IntegrityYou may not use any device, software or routine, including but not limited to any viruses, trojan horses, worms, time bombs or cancel bots, intended to damage or interfere with the proper working of this web site or to surreptitiously intercept or expropriate any system, data or personal information from this web site. You may not take any action which imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, “spam” or any other such unsolicited overload technique. Possible DefectsIt is possible the curriculum, e-books, e-texts, videos, and associated graphics available on this web site and any medium they may be on may contain defects such as incomplete, inaccurate, or corrupt data, transcription errors, copyright or other intellectual property infringement, a defective or damaged disk or other medium, a computer virus, or computer codes that damage or cannot be read by your equipment. You use this web site at your own risk. We do not endorse any information posted or content contained on this web site and we are not liable for any information posted on this web site, including but not limited to any information posted about you. We reserve the right to take any action with respect to information posted on this web site which we believe is inappropriate in our sole discretion with respect to information posted on this web site, including but not limited to termination of your rights of use.


Links
This web site may contain links to third-party web sites not under our control or operation. When we provide links, we do so only as a convenience and do not endorse and are not responsible for the contents of any linked site or any link contained in a linked site(s). We may, in our sole discretion, permit links to this web site, as long as they do not imply endorsement, sponsorship, or affiliation. We do require, however, that you get our prior written consent before creating any type of hyperlink to this web site.
Third Party ContentThis web site may contain news and information published by various third party providers or links to third party web sites. The Terms and Conditions of the respective third parties are posted on their respective web sites (and may be updated from time to time). We recommend that you review those Terms and Conditions.

Tuition
CDMA Business Model has both public and private sections of this web site. Access to these private sections requires a username and password which are created during the membership process. CDMA Business Model offers installment payment plans to make it easier for users to budget their financial obligations. Upon membership enrollment or subscription, small business owners eighteen years or older, nonprofits, public service agencies and individuals such as teachers, parents and guardians of youth interested in entrepreneurship (Users) are agreeing to pay the total fee for the then-current year either in full or according to an installment plan. All Users on a payment plan that withdraw are responsible for the fee balance. No access will be issued for users who withdraw with a fee balance. Membership or Subscription Fees include access to up to six (6) months and Program License Fees may be extended for three (3) years. Users who wish to enroll in additional memberships, subscriptions or courses may seek guidance from our Program Consultants. If approved, there will be additional fees for these additional memberships, subscriptions or courses. Users must complete ALL work in order to attain access to comprehensive modules, quizzes, and/or certificates.

Withdrawal/Refund Policy
Due to proprietary software, content, intellectual property, we offer a 5 day refund policy on Single Course Enrollment Only. Individuals have 5 days to determine if the CDMA Business Model courses suit the needs of their brand goals. Refunds will be granted according to the following policies as long as the Individuals withdraw from the Course via written notice as specified. The only written notice we will accept is our Course Withdrawal Form. (Please download and complete the Withdrawal Form with appropriate signature (s) and fax to our office). We will not accept verbal withdrawals or any other means of withdrawals. Refunds are issued minus the non-refundable subscription fee. There are no absolutely no refunds after 5 days; however, a user can withdraw at any time. Students must complete ALL work in order to attain access to comprehensive modules, quizzes, and/or certificates.

Financial Responsibility
CDMA Business Model offers installment payment plans to make it easier for users to cover costs. These plans are offered interest free as long as invoice payments are not late. For accounts that are not current, CDMA Business Model may apply a finance charge 1.5% (18% annually and subject to State and National regulations) is added on a monthly basis and will accumulate until the account is paid. Returned checks are subject to a $30.00 Return Check Fee. Accounts that are placed in collection because of non-payment are subject to additional fees as permitted by law. The account holder is responsible for all collection costs associated with collection activities for accounts that are cancelled for non-payment. Accounts cancelled or suspended for non-payment are subject to reporting to credit agencies and collection services. Users on a payment plan that withdraw are responsible for the tuition balance. No access to comprehensive modules, quizzes, and/or certificates with a fee balance.

Suspension, Expulsion And Withdrawal
Suspension is a temporary discontinuance of access to CDMA Business Model private sections. Users remain enrolled during a suspension and all financial responsibilities remain in effect during a suspension. Users must pay the remaining balance immediately. Suspension can occur for a variety of reasons.

Privacy
We recommend that you review our Privacy Policy that is posted on this web site, which is part of these Terms of Use and which we may amend at any time. If at any time you are not in compliance with the policy, we have the right to terminate your rights of use and access to this web site. Unfortunately, we cannot ensure that all personal information will never be disclosed in ways not otherwise described in the Privacy Policy. We may be required by law to disclose information to government authorities, law enforcement or to third parties upon subpoena, and you authorize us to disclose information as we believe, in our sole discretion, is necessary or appropriate.
Submission Of MaterialsAll comments, suggestions, ideas, graphics, or other information that you submit to us through this web site become and will remain our property and may be used by us anywhere, anytime and for any reason whatsoever. Any materials or information submitted to us will be treated as non-confidential and non-proprietary, and we will not have any obligation to use or evaluate any information we receive from you. In addition, we will not be under any obligation to respond in any way or reveal to you any information. We will not have to pay you or anyone else for using any ideas or other materials that you may transmit to us in connection with the use of this web site. You should rely solely on your rights under the patent, trademark, and copyright laws. The receipt or consideration of your information by us shall in no way impair our right to contest the validity of your patent, trademark, or copyright. Of course, you are not to submit to this web site any material which is unlawful, threatening, violent, abusive, harassing, degrading, defamatory, libelous, deceptive; fraudulent, or which may give rise to civil or criminal liability, infringe a third party’s intellectual property rights, or otherwise violate any law or regulation. Even though we may monitor and review correspondences, we assume no responsibility or liability which may arise from the content thereof, including – but not limited to – claims for defamation, libel, slander, obscenity, pornography, profanity or misrepresentation.


Governing Law And Jurisdiction
This Agreement shall be construed and enforced in accordance with, and governed by, the laws of Washington, District of Columbia, without regard to its conflict of laws provisions. This web site (excluding linked sites) is operated by us from our office in Washington, District of Columbia and it can be accessed from all 50 states in the United States, as well as from other countries around the world. As each of these places has laws that may differ, by accessing this web site, you agree that these Terms of Use and your use of this web site shall be governed in all respects by the internal substantive laws of the geographic location of the physical headquarters of CDMA Business Model. You further submit to jurisdiction and venue in the federal and state courts located in Washington, District of Columbia and further agrees that any cause of action you may bring arising under your use of this web site shall be brought by you exclusively in a federal or state court. We make no representation that materials on this web site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with local laws.

No Warranty
We provide videos, e-texts, graphics, and other information on this web site, subject to these Term and Conditions. We make no warranties or representations, express or implied, as to the accuracy, completeness, or any other aspect of the information on this web site and assume no liability in connection with any use of this information. This web site, the e-books, e-texts, graphics, and all other information contained herein and our services are provided “as is,” “where is,” and without any warranty or condition of any kind, express, implied or statutory. We specifically disclaim the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. We also do not guarantee continuous, uninterrupted or secure access to this web site or our services, and operation of this web site may be interfered with by numerous factors outside of our control. You use this web site at your own risk.


Indemnification
You agree to indemnify, defend and hold us harmless from and against any and all claims, demands, actions, costs, liabilities, losses and damages of any kind (including attorneys’ fees) resulting from your use of this web site, your breach of any provision of these Terms of Use and/or any intentional wrongdoing by you. Any such indemnification shall be conditioned on our: (a) notifying you in writing of any such claim, demand, action, cost, liability, loss or threat of any thereof; (b) cooperating with you in the defense or settlement thereof; and (c) allowing you to control such defense or settlement. We shall be entitled to participate in such defense at our own cost and expense. We reserve the right to report any wrongdoing, if we become aware of it, to the applicable government agencies or otherwise.

Limitation Of Liability
In the event that you have a dispute with one or more users of this web site, you release us (and our agents and employees) from claims, demands and damages (actual, consequential and punitive) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with this web site or such disputes. You waive the provisions of any law or regulation limiting or prohibiting a general release. Neither CDMA Business Model, its affiliates, nor any party involved in creating, producing or delivering this web site will be liable for any damages or injury that accompany or result from your access to and use of this web site, or your inability to access and use this web site, or from downloading any material contained on this site. nor will any such party be liable for any direct, incidental, consequential, indirect, or punitive damages, or any other losses, costs, or expenses of any kind which may arise, directly, or indirectly from your use of, or inability to use, this web site, including but not limited to, anything caused by: a) incomplete or inaccurate information; b) computer viruses; c) software bugs; d) human action or inaction; e) any computer system, phone line, hardware, software or program malfunctions; or f) any other errors, failure or delays in computer transmission or network connection. The limitations of liability provided in these Terms and Conditions inure to the benefit of CDMA Business Model, our affiliates and to all of our respective officers, directors, employees, attorneys and agents.

Severability
Any provision of this Agreement which is invalid or unenforceable in any jurisdiction shall be ineffective to the extent of such invalidity or unenforceability without invalidating or rendering unenforceable the remaining provisions hereof, and any such invalidity or unenforceability in any jurisdiction shall not invalidate or render unenforceable such provision in any other jurisdiction. If any provision is held to be invalid or unenforceable, such provision shall be construed by the appropriate judicial body by limiting or reducing it to the minimum extent necessary to make it legally enforceable. Failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches These Terms of Use, and all writings and web pages incorporated by reference into these Terms and Conditions, set forth the entire understanding and agreement between us with respect to the subject matter hereof.
Section HeadingsThe section headings used herein are inserted for reference purposes only and shall not in any way affect the meaning or interpretation of this Agreement.

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