Terms of Use / Terms of Service


The following “Terms of Service” (hereinafter referred to as the “TOS” or “Agreement”) sets forth the terms and conditions governing your TomHegna.com account. Together with our Terms of Use and TomHegna.com Privacy Policy, these Terms of Service regard your use of the TomHegna.com website, its products, and materials (collectively, the “Site”).

TomHegna.com currently provides users with access to sales training resources (training videos, training books, educational software, etc.), various reference and communication tools (newsletters, blogs, articles, etc.), forums, shopping services, and personalized content (collectively referred to as the “Services”). You also understand and agree that the Service may include sponsorships or advertisements. Some of these Services of TomHegna.com are provided free of charge, Unless explicitly stated otherwise, any new features that augment the current Service, including the release of new content. TomHegna.com products & services, shall be subject to the TOS. You understand and agree that the Service is provided “AS-IS” and that TomHegna.com assumes no responsibility for the timeliness, deletion, delivery problems or failure to store any user communications or personalization settings. TomHegna.com is an online store for sales training materials. You will be charged for any materials that you wish to purchase from us. Prices may vary. You are responsible for obtaining access to the Service and that access may involve third party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display of delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

ACCOUNT FEES & REGISTRATION
The purchase of certain products and services on TomHegna.com may require registration for a user account (“User Account”). Should you choose to register, you agree to provide true, complete and accurate registration information (“Registration Information”). You are responsible for updating and maintaining the accuracy of Registration Information. If you provide any Registration Information that is untrue or inaccurate, not current, or incomplete, or if TomHegna.com suspects that your Registration Information is untrue, inaccurate, or incomplete, then TomHegna.com may, in its sole discretion, suspend, terminate, or refuse future access to TomHegna.com. Registration Information will be subject to the TomHegna.com Privacy Policy (which is incorporated by reference herein). You are responsible for maintaining the secrecy and security of any personal or User Account Information. You are responsible and liable for any conduct on TomHegna.com under your User Account. TomHegna.com is not responsible for any unauthorized use of your User Account. If you believe there has been unauthorized use of your User Account, you must notify TomHegna.com immediately. Only the authorized license user is permitted to use the password protected account within TomHegna.com. If anyone loans or discloses their Username and Password or otherwise knowingly or unknowingly allows unauthorized access into the fee-based products, the original site license holder shall be responsible for and will be billed for any and all purchases an unauthorized user makes on TomHegna.com.

LEGAL DISCLAIMER
TomHegna.com is a division of TDH Financial Enterprises, LLC. The information provided in any webinars and accompanying material is for informational purposes only. It should not be considered legal or financial advice. You should consult with an attorney or other professional to determine what may be best for your individual needs.

TomHegna.com does not make any guarantee or other promise as to any results that may be obtained from using our content. No one should make any investment decision without first consulting his or her own financial advisor and conducting his or her own research and due diligence. To the maximum extent permitted by law, TomHegna.com, TDH, & TDH Financial Enterprises disclaims any and all liability in the event any information, commentary, analysis, opinions, advice and/or recommendations prove to be inaccurate, incomplete or unreliable, or result in any investment or other losses.

Content contained on or made available through the website is not intended to and does not constitute legal advice or investment advice and no attorney-client relationship is formed. Your use of the information on the website or materials linked from the Web is at your own risk. Rates are subject to change.

Privacy Policy
TomHegna.com does not sell, rent, or exchange personal information with 3rd parties.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and make use of personal information. The following outlines our Privacy Policy:

When accessing our Website, TomHegna.com will learn certain information about you during your visit.

Similar to other commercial websites, our website utilizes a standard technology called “cookies” (see explanation below, “What Are Cookies?”) and web server logs to collect information about how our website is used. Information gathered through cookies and web server logs may include following:

The date and time of visits The pages viewed, Time spent at our website Websites visited just before and just after our website, Your IP address

What Are Cookies?
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.

IP Addresses
IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the webpages you request) can be sent to you.

Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. We provide the same protections for these electronic communications that we employ in the maintenance of information received online, mail and telephone.

How Do We Use the Information That You Provide to Us?

Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other items and services to our customers and prospective customers.

TomHegna.com will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us, nor will such information be sold or otherwise transferred to unaffiliated third parties without the approval of the user at the time of collection. We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.

A Special Note About Children
Children are not eligible to use our web site and services and we ask that minors (under the age of 13) do not submit any personal information to us. If you are a minor, you can use this site only in conjunction with permission and guidance from your parents or guardians.

How Do We Protect Your Information and Secure Information Transmissions?

Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. However, doing so is allowed, but at your own risk. Some of the information you may enter on our Web site may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL. Credit Card information is never transmitted via email.

TomHegna.com may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas. For site security purposes and to ensure that this service remains available to all users, TomHegna.com uses software programs to monitor network traffic to identify unauthorized attempts to upload or change information, or otherwise cause damage.

Policy Changes

We reserve the right to amend this privacy policy at any time with or without notice. However, please be assured that if the Privacy Policy changes in the future, we will not use the personal information you have submitted to us under this Privacy Policy in a manner that is materially inconsistent with this Privacy Policy, without your prior consent.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.

Contact
If you have any questions regarding this Policy, or your dealings with our web site, please contact us.