Privacy Policy

Guardian Investors & Associates LLC. is committed to protecting your privacy and will never share or rent your information to a third party.  We maintain strict customer information privacy policies and use state of the art technologies to safeguard customer and users information, and communications from unauthorized intrusions.  Guardian Investors & Associates LLC. will continue to protect this information consistent with federal laws and with federal regulations.

By submitting any personal data on the Guardian Investors & Associates LLC site, you authorize Guardian Investors & Associates LLC to use, process and transfer (if necessary across borders) such data, even in and to countries where the level of data protection may not be commensurate with the high standard of protection adopted by certain countries, such as the standard suggested by the EU Data Protection Directive.  In the event of a security breach, any and all customers whose personal information may have been stolen will be notified of the breach. Unless required by law, Guardian Investors & Associates LLC will not disclose to third parties any customer identifiable information derived from the registration for or use of our online Products and/or Service -- including customer names and addresses -- without the consent of the customer.

Guardian Investors & Associates LLC. will occasionally update this Privacy Policy to reflect company and customer feedback or changes to privacy legislation. We may use your personal information to contact you for promotional purposes, such as with informational e-mail messages. In any such case, we will provide a clear means for you to remove yourself from future mailings.

Information that is not personally identifiable may be collected and stored for site statistics and research to make our web site more usable. This may include information such as site visitors' browser and operating system, IP address, domain and host names, and date and time of access. This information is not shared with any third parties except in the preparation of statistical or research reports from our logs.

Guardian Investors & Associates LLC. may use suppliers to collect, process, store, use, analyze and/or transfer the data on its behalf. In such case, it is Guardian Investors & Associates LLC. practice to require that these suppliers handle the personal data they process or transfer in a manner consistent with Guardian Investors & Associates LLC. policies. By submitting the personal data to us, you acknowledge and agree with your data being processed and/or transferred on Guardian Investors & Associates LLC' s behalf by its suppliers.

Notification of Changes

This policy may be revised over time as new features are added to the Guardian Investors & Associates LLC Products and/or Service or as we incorporate suggestions from our customers. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner. We reserve the right to make changes at any time without notification to our subscribers or customers, and encourage you to check back frequently. 

We will post the amended Privacy Policy prominently on our Web site so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Please check the INSTANTRealEstateSolutions.com Web site at www.INSTANTRealEstateSolutions.com at any time for the most current version of our Privacy Policy.

Web Site Traffic Information

Because of the way that World Wide Web communication standards work, when you arrive at or leave the Guardian Investors & Associates LLC Web site, we automatically receive the Web address of the site that you came from or are going to. We also collect information on which pages of our Web site you visit while you are on the Guardian Investors & Associates LLC site, the type of browser you use and the times you access our Web site. We use this information only to try to understand our customers' preferences better and to manage the load on our servers, so as to improve our Products and/or Service and your experience with Guardian Investors & Associates LLC. We do not track the Web sites that you visit before or after you leave the Guardian Investors & Associates LLC site.

Our Use of "Cookies"

"Cookies" are small files of data that reside on your computer and allow us to recognize you as a Guardian Investors & Associates LLC customer if you return to the Guardian Investors & Associates LLC site using the same computer and browser. We send a "session cookie" to your computer if and when you log in to your Guardian Investors & Associates LLC account by entering your e-mail address and password. These cookies allow us to recognize you if you visit multiple pages in our site during the same session, so that you don't need to re-enter your password multiple times. Once you log out or close your browser, these session cookies expire and no longer have any effect.

We also use longer-lasting cookies to display your e-mail address on our sign-in form, so that you don't have to retype the e-mail address each time when you log in to your Guardian Investors & Associates LLC account. In addition, we use cookies to process our referral program, described in Section C below. Our cookie files are encoded so that your e-mail address and other information can only be interpreted by Guardian Investors & Associates LLC. We may, however, share cookie information regarding whether or not a certain user is already registered with Guardian Investors & Associates LLC with certain merchants with whom we have an official co-marketing relationship.

Customer Products and/or Service Correspondence

If you send us correspondence, including e-mails and faxes, we retain such information in the records of your account. We will also retain customer Products and/or Service correspondence and other correspondence from Guardian Investors & Associates LLC to you. We retain these records in order to measure and improve our customer Products and/or Service, and to investigate potential fraud and violations of our User Agreement. We may, over time, delete these records if permitted by law.  

Questionnaires, Surveys and Profile Data

From time to time, we offer optional questionnaires and surveys to our users for such purposes as collecting demographic information or assessing users' interests and needs. The use of the information collected will be explained in detail in the survey itself. If we collect personally identifiable information from our users in these questionnaires and surveys, the users will be given notice of how the information will be used prior to their participation in the survey or questionnaire.

Non-member Recipients and Requests

When a member either sends a payment to, or requests a payment from, an individual who is not a registered member of Guardian Investors & Associates LLC, we will retain the information that the member submits to us, including, for example, the other party's email address and/or name, for the benefit of the member who is attempting to contact the non-member, so that the member can see a complete record of his or her transactions, including uncompleted transactions. Although this information is stored indefinitely, we will not market to the non-member in any way at any time. Additionally, these non-members have the same rights to access and correct information about themselves (assuming that their email addresses were correct enough to reach them) as anyone else who uses Guardian Investors & Associates LLC. 

Disclosure to Third Parties Other Than Guardian Investors & Associates LLC Customers

Guardian Investors & Associates LLC will not sell or rent any of your personally identifiable information to third parties. Guardian Investors & Associates LLC will not share any of your personally identifiable information with third parties except in the limited circumstances described below, or with your express permission (and with other Guardian Investors & Associates LLC customers as described above). These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared.

We share information with companies that help us process the transactions you request and protect our customers' transactions from fraud, such as sharing your credit card number with a Products and/or Service that screens for lost and stolen card numbers.. Additionally, if you go into a negative balance and owe us money, we may share information with processing companies including collection agencies.

We may disclose the information we collect, to companies that perform marketing Products and/or Services on our behalf. We may also disclose the information we collect (but not your bank account or credit card information) to other financial institutions with whom we have joint marketing agreements, in order to determine whether you are pre-approved for the products that Guardian Investors & Associates LLC is jointly marketing with a third party. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit using the information except to market the specified Guardian Investors & Associates LLC-related products or Products and/or Services, unless you have affirmatively agreed or given your prior permission for other uses.

We disclose information that we in good faith believe is appropriate to cooperate in investigations of fraud or other illegal activity, or to conduct investigations of violations of our User Agreement. For example, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information (but not bank account or credit card information) to victims who request it.

We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action.

TERMS OF SERVICE

By using and/or registering to become a member of the site, you are stating that you understand and agree to be bound by the terms and conditions of this user agreement (the "agreement"). Please read the agreement. If you disagree with anything in this agreement, please do not use the site or any services provided in connection with the site.

SERVICES

To use the Site, you do not have to register to become an INSTANTRealEstateSolutions.com member ("Member"). As a Member, however, you will have access to various services to which non-Members do not have access, some of which will enable you and other site members to interact with each other ("Member Areas"). These Member Areas and services can include and at our discretion, the following:

• Site News
• Site Pages
• Message Boards (Forums)
• Profiles
• Downloads
• Links Directory

The above list is not comprehensive of all the services provided. We reserve the right to modify or discontinue, temporarily or permanently, the Site (or any part thereof) with or without notice. You agree that INSTANTRealEstateSolutions.com shall not be liable to you or to any third party for any such action.

If you would like to register to become a Member, please complete our membership registration form. When you do, you agree to: provide true, accurate, current and complete information as prompted by the registration form, maintain and update such information to keep it true, accurate, current, and complete at all times, and that you are the age that you state.

If any information provided by you on the registration form is untrue, inaccurate, not current or incomplete, or if we have reasonable grounds to so believe, we have the right to suspend or terminate your membership and to refuse to provide you with any future membership. If we have reason to believe that you have registered someone other than yourself, we will cooperate with any law enforcement investigation that may result from such misrepresentations and shall have the right, in our sole discretion, to disclose any information you provided to us in connection with such registration.

INSTANTRealEstateSolutions.com makes a good faith effort to prohibit registration as a Member by, and will not knowingly connect or store personal information from, children as governed by law.

FEES

We reserve the right at any time to charge fees for access to Site content or services or to portions of the existing Site content or services or the Site as a whole. In no event will you be charged for access to any Site content or service, or to the Site as a whole, unless we obtain your prior agreement to pay such charges. If you do not consent to such charges, however, you may not have access to paid content or service.

SITE RULES

Following are some basic rules that apply to the Site and that you agree to follow. If you violate any of the Site rules, or if we have reasonable grounds to so believe, we have the right to deny you access to the Site, to suspend or terminate your membership and to refuse to provide you with any future membership. You agree not to use the Site to upload, store, post, email or otherwise transmit any:

• material that is inaccurate, unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, sexually explicit, libelous, invasive of another's privacy, hateful, racist, bigoted or otherwise objectionable;
• material that you do not have a right to transmit under any law or under contractual or fiduciary relationships;
• material that infringes any patent, trademark, trade secret, copyright or other proprietary right of any party, advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation, except where specifically permitted;
• or material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.

Additionally, you agree not to:

• impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;
• forge headers or otherwise manipulate identifiers in order to disguise the origin of any material transmitted through the Site;
• disrupt the normal flow of dialogue, cause a screen to scroll faster than other users of the Site are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real-time exchanges;
• interfere with or disrupt the Site or servers or networks connected to the Site, or disobey any requirements, procedures, policies or regulations of networks connected to the Site;
• try to gain access to areas that are private to INSTANTRealEstateSolutions.com administrators or to other INSTANTRealEstateSolutions.com users;
• violate any applicable local, state, national, or international law or any regulation having the force of law;
• stalk or otherwise harass another;
• harm minors in any way, including, without limitation, to establish unlawful contact with minors (whether on or off the Site);
• collect or harvest screen names; collect or store personal data about other users of the Site; or solicit or attempt to discover a user's password, screen name, or other registration information without the user's express knowledge and consent;
• engage in or run raffles, lotteries, contests or sweepstakes;
• promote or provide instructions of information about how to engage in illegal conduct or commit illegal activities, promote physical harm or injury, or promote any illegal act; or
• store any information or use any Web page or directory you create for remote loading or as a door or signpost to another Web page, whether inside or outside the Site.

You acknowledge that we do not prescreen material posted or transmitted on the Site, but that we and our designees shall have the right (but not the obligation) in our sole discretion to review and edit, delete or refuse to post any material submitted for display or placed on the Site, including but not limited to message board posts, profiles, and member-to-member messages. Without limiting the foregoing, we and our designees shall have the right to remove any material that violates this Agreement, that we believe in good faith may create liability for us, or that we deem is otherwise objectionable.

You acknowledge and agree that we may at our sole and absolute discretion, terminate the right of Members to participate in our Program without notice, preserve material and may disclose material if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: ... comply with legal process;

• enforce this Agreement;
• respond to claims that any material violates the right of third parties; or
• in our sole judgment, protect the rights, property, or personal safety of INSTANTRealEstateSolutions.com, its users and the public.

PRIVACY

Our Privacy Policy states in full our policy regarding Member privacy; see that document for more details.

REFUND POLICY – ALL SALES ARE FINAL

TRIAL SUBSCRIPTIONS

You may cancel your trial subscription anytime within the first 7 days. Your credit card will not be refunded the $1.00 trial fee.

You may cancel your trial subscription anytime within the first 7 days. Your credit card will not be refunded the $1.00 trial fee. You also understand that upon expiration of my free trial, my membership will no longer function until you pay for the service.

Method of Payment

The client must provide a valid method of payment (credit card or other pre-arranged payment method) prior to and during any time the client receives INSTANTRealEstateSolution.com Services. The Renewal Fees will be due three (3) full days prior to the recurring effective date of the Renewal Period, and will be automatically debited from the client's credit card prior to that date. Service fees for each Renewal Period will be invoiced thirty (30) days prior to the commencement of the Renewal Period. The client acknowledges and agrees that the service provider will not require any additional authorization for any recurring payments or automatic billing options.

Accounts are considered in default if the payment is not received with three (3) days after the effective date of the Renewal Period. The service provider may suspend or terminate use of the INSTANTRealEstateSolutions.com services if the client fails to provide a valid designated payment method upon request, or if INSTANTRealEstateSolutions.com is unable, for any reason, to bill charges to the client's designated payment method. If the payment is more than five (5) days past due, the client will be liable for any fees Guardian Investors & Associates LLC incurs in its efforts to collect any unpaid balances.

Any billing problems or discrepancies must be brought to Guardian Investor & Associates LLC's attention within thirty (30) days from the date the client is billed. If you do not bring them to Guardian Investor & Associate's attention within thirty (30) days, you agree that you waive your right to dispute such problems or discrepancies with Guardian Investor & Associates LLC. If you have any billing-related questions or want to stop a recurring payment from being charged to your designated payment email which your order originated from, then you agree to submit a support ticket PRIOR to your billing period.

PUBLIC AREAS

A Public Area ("Public Area") of the Site is any area where you may submit material ("Submissions") for viewing by others or view Submissions of other INSTANTRealEstateSolutions.com users, such as profiles, forums, or award programs. In some of these areas, a Submission includes the name, ID, nickname, and/or other information that would be displayed with the submitted material, as applicable. You agree to use Public Areas in accordance with the Agreement and any policies for the Public Areas that are displayed on the Site.

BY SUBMITTING MATERIAL TO A PUBLIC AREA, YOU AGREE TO INDEMNIFY INSTANTRealEstateSolutions.com AND HOLD IT HARMLESS FROM ALL CLAIMS, INCLUDING, WITHOUT LIMITATION, CLAIMS FOR LIBEL, SLANDER, INVASION OF PRIVACY, COPYRIGHT INFRINGEMENT OR OTHERWISE, ARISING FROM SUCH SUBMISSION.

By making a Submission to any Public Area, you automatically grant INSTANTRealEstateSolutions.com the royalty-free, perpetual, irrevocable, nonexclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display and distribute the content of the Submission (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or hereafter developed. You also permit any other user of the INSTANTRealEstateSolutions.com Site to access, view, store, or reproduce the Submission for that user's personal use.

LINKS

Our provision of a link to any other site or location is for your convenience and does not signify our endorsement of such site or location of its contents. INSTANTRealEstateSolutions.com shall not be responsible for any information, software, or links found at any other World Wide Web site, Internet location, or source of information, for your use of such information, or for e-commerce transactions conducted at or through any linked site or location.

DISCLAIMER OF WARRANTIES

You expressly agree that your use of the site, including, without limitation, any material and/or data developed by INSTANTRealEstateSolutions.com or by third parties ("information providers"), is at your sole risk. The site, and any content or materials available through the site, are provided on an "as is" and "as available" basis and without warranty of any kind, express, implied or statutory. INSTANTRealEstateSolutions.com and the information providers hereby expressly disclaim all such warranties including, without limitation, any implied warranties or merchantability, fitness for a particular use or purpose, title, or noninfringement, or any warranty as to results that may be obtained through the use of the site. INSTANTRealEstateSolutions.com does not represent or warrant that the site will function without interruption, that the site is error- or defect-free, that any such defects or errors will be corrected, or that the site and the server(s) that make the site available are free of viruses or other harmful components. No advice or information, whether oral or written, that you obtain from INSTANTRealEstateSolutions.com or otherwise through your use of the site shall create any warranty on the part of INSTANTRealEstateSolutions.com or the information providers. Further, INSTANTRealEstateSolutions.com and the information providers do not warrant or represent that the use or the results of the use of any content or materials made available through the site or from third parties will be correct, accurate, timely, reliable or otherwise.

LIMITATIONS ON LIABILITY

In no event shall INSTANTRealEstateSolutions.com, the information providers or any other person or entity involved in creating or distributing the site be liable for any direct, indirect, incidental, special or consequential damages, however arising and under any theory of liability (including, without limitation, tort, including negligence and strict liability, breach of contract or breach of warranty), that result from your use or inability to use the site, any changes to the site or this agreement, unauthorized access to or alteration of your transmission of data, any material or data sent or received or not sent or received, or any transactions entered into through the site. INSTANTRealEstateSolutions.com is not responsible or liable for any threatening, defamatory, obscene, offensive or illegal content or conduct of any other party or any infringement of another's rights, including intellectual property rights.

If you are dissatisfied with the site or the services, content or materials available on or through the site, your sole and exclusive remedy is to discontinue using the site. The foregoing limitations on liability shall be applicable even if INSTANTRealEstateSolutions.com or the applicable third party knew or should have known of the possibility of such damages and notwithstanding the failure of essential purpose of any limited remedy. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you.

ALLOCATION OF RISK

You agree that the disclaimer of warranties, limitations on liability, and indemnification provisions set forth in this agreement represent and agreed upon allocation of risk between you and INSTANTRealEstateSolutions.com and form an essential part of the basis of their bargain, without which INSTANTRealEstateSolutions.com would not enter into this agreement or provide the site.

OWNERSHIP OF MATERIALS

The contents of the Site, including without limitation text, software, photos, graphics, and all other audiovisual elements are copyrighted by INSTANTRealEstateSolutions.com as a collective work under the United States copyright laws. Except for material in the public domain, INSTANTRealEstateSolutions.com and its licensors hold copyrights to all content appearing on the Site. INSTANTRealEstateSolutions.com permits, without charge, the reproduction and distribution of INSTANTRealEstateSolutions.com material contained on the Site for non-commercial educational and personal uses; provided that such materials remain unaltered and are accompanied by a clearly visible copy of any copyright notice appearing on such materials and by the Site's URL (http://{siteurl}). The only exception to this is any INSTANTRealEstateSolutions.com Award graphic, link, text, criteria, rules, etc.. We retrain and reserve all rights to this information. Other reproduction, distribution, retransmission, modification, public display, and public performance of such materials is prohibited without the prior written consent of INSTANTRealEstateSolutions.com. To obtain such consent, please contact us.

REMOVAL OF MATERIAL FOR WHICH COPYRIGHT INFRINGEMENT IS CLAIMED

INSTANTRealEstateSolutions.com respects the intellectual property rights of others. Pursuant to Title 17 U.S.C.512, as amended by Title II of the Digital Millennium Copyright Act ("the Act"), INSTANTRealEstateSolutions.com has implemented procedures for receiving written notification of claimed copyright infringements and for processing such claims in accordance with the Act. If you believe your copyrights are being infringed by a Member, please contact us. The information requested by the Notice of Infringement Form substantively complies with 17 U.S.C. 512(c)(3)(A), which provides:

• To be effective under this subsection, a notification of claimed infringement must be a written communication provided to the designated agent of a service provider that includes substantially the following: A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.
• Information reasonably sufficient to to permit the service provider to contact the complaining party such as an address, telephone number, and if available, electronic e-mail address at which the complaining party may be contacted.
• A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
• Notification from a copyright owner or from a person authorized to act on behalf of the copyright owner that fails to comply substantially with the provisions above shall not be considered as providing actual knowledge or an awareness of facts or circumstances from which infringing activity is apparent.

Please provide a Notice of Infringement Form information each time you wish to report alleged acts of infringement.

Please note that INSTANTRealEstateSolutions.com will terminate in appropriate circumstances the account of any Member who repeatedly posts infringing material on the Site.

INDEMNIFICATION

You agree to hold harmless INSTANTRealEstateSolutions.com and its Information Providers and any other person or entity involved in creating or distributing the Site, as well as each of their respective affiliates and their respective directors, officers, employees and agents, from and against any and all claims, liabilities, damages, losses, costs, fees (including reasonable attorneys' fees) and expenses that such parties may incur as a result of or arising out of your (or, in the case of Members, anyone using your account's) use of, or conduct with respect to, the Site.

MODIFICATION OF AGREEMENT

You agree that INSTANTRealEstateSolutions.com may change the terms and conditions of this Agreement, unilaterally, and at any time, by conspicuously posting notice of such change on the Site for a period of five (5) consecutive days. Continued use of the Site after such notice will constitute your acknowledgment and acceptance of the revised terms and condition.

GENERAL

This Agreement contains the complete and final statement of the understanding between you and INSTANTRealEstateSolutions.com with respect to, and supercedes any and all prior or contemporaneous negotiations, agreements or communications, whether written or oral, between you and INSTANTRealEstateSolutions.com concerning, the subject matter of this Agreement.

If any provision of this Agreement is rendered by a court or governmental agency of competent jurisdiction to be invalid, illegal, or unenforceable, such invalidity, illegality or unenforceability shall not affect the remainder of this Agreement, which shall remain in full force and effect and be enforced in accordance with its remaining terms.

The waiver by INSTANTRealEstateSolutions.com of a breach or default of any of the provisions of this Agreement by you shall not be construed as a waiver of any succeeding breach of the same or other provisions; nor shall any delay or omission on the part of INSTANTRealEstateSolutions.com to exercise or avail itself of any right, power or privilege that it has or may have hereunder operate as a waiver of any breach or default by you.

You agree that, regardless of any statute or law to the contrary, any claim or cause of action that you may have arising out of or related to use of the Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in this Agreement are solely used for convenience and have no legal or contractual significance.

All provisions of this Agreement that, by their nature, survive termination of this Agreement will survive termination including without limitation, the Site Rules, Public Areas, Links, Disclaimer of Warranties, Limitations on Liability, Allocation of Risk, Ownership of Materials, Indemnification, Choice of Law/Jurisdiction and Venue and General sections of this Agreement.