Terms of Use

Please read these terms of use carefully before using this website.
Carlyle Financial, LLC provides certain services to you via this website. Your use of the website is subject to the following Terms and Conditions of Use. This web page details the terms of a legal agreement (the “Terms of Use”) between you and Carlyle Financial, LLC. By accessing the website, you acknowledge that you have read and understood the Terms of Use and, having read and understood the Terms of Use, you voluntarily agree to be bound by these Terms of Use. Carlyle Financial, LLC encourages all visitors to this website to seek the counsel of an attorney if you do not understand your rights and responsibilities with respect to any of the following Terms of Use.

If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy, incorporated herein by reference, govern Carlyle Financial, LLC’s relationship with you in relation to this website.

Hereinafter, the term ‘Carlyle Financial, LLC’ or ‘us’ or ‘we’ refers to the owner of the website. The term ‘you’ or ‘your’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

Website Content
The content of the pages of this website is for your general information and use only. These Terms of Use may be amended by us at any time, and without notice to you. Your continued use of this website after the Terms of Use are changed indicates your acceptance of any new Terms of Use. Additionally, we may change any information on or feature of the website at any time. Any change to the website made by us shall not alter your consent to the application of these Terms of Use. Please review these Terms of Use from time to time so that you will be apprised of any changes. Continued use of the website by you shall constitute your binding acceptance of any such amendments, modifications, additions or deletions.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we hereby disclaim liability for any such purported inaccuracies or errors to the fullest extent permitted by law.

Carlyle Financial, LLC has made the information on this website available for educational and informational purposes only. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information accessed through this website meet your specific requirements, and we make no guarantee as to the information’s usefulness or applicability to your particular circumstances.

Rules and Guidelines
(a) Rules for Use of the Website

(1) Conduct Required for Use of the Website.
It is a condition of your use of the Service that you do not: (i) restrict or inhibit any other user from using and enjoying the Service; (ii) transmit any information, software or other material that is fraudulent or tortious or that violates or infringes the rights of others, including material that violates privacy or publicity rights, or infringes copyright, trademark or other proprietary rights; (iii) transmit any information, software or other material that contains a virus or other harmful component; (iv) transmit or in any way exploit any information, software or other material for commercial purposes or that contains advertising, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” investment opportunities or any other forms of solicitations; (v) solicit other users to join, become members of, or contribute money to any online service or other organization, advocate or attempt to get users to join in legal or illegal schemes or plan or participate in scams involving other users; (vi) impersonate any person or entity or falsely state or otherwise misrepresent your professional or other affiliation with any person or entity; (vii) resell, redistribute, broadcast or transfer the information or use the information derived from the website in a searchable, machine-readable database; (viii) use the website to collect personally identifying information about users of the website in violation of our Privacy Policy; (ix) disguise a file type to thwart our detection processes; (x) post or transmit any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law; (xi) attempt to gain unauthorized access to other computer systems or networks connected to the website, (xii) remove any copyright, trademark or other proprietary rights notice from the website or materials originating from the Website; or (xiii) frame or mirror any part of the website without our express prior written consent. You agree that you will not use the website, including the information provided therein and all related equipment, networks and network devices (specifically including Internet access) for any unlawful purpose.

(2) Monitoring
Carlyle Financial, LLC has no obligation to monitor the use of the website by visitors or members. You acknowledge and agree that we reserve the right to, and may from time to time, monitor any and all information uploaded to the website for operational or other purposes. During monitoring, information may be examined, recorded, copied, and used for authorized purposes in accordance with our Privacy Policy and applicable privacy laws and regulations.

You hereby agree that we may prohibit your access to this website for any conduct that it deems to be inappropriate or harmful to the website, and such determination shall be in our sole discretion.

Third Party Websites
This website contains links to third party websites not under the control of Carlyle Financial, LLC. You agree that we are not responsible for nor will be held liable for the contents of any linked website. A link from this website does not indicate an endorsement by us of the linked website or that website’s sponsoring company or product. A link on this website does not imply that we have performed any due diligence regarding the content on any such linked website.

Licensing and Copyright
This website contains material which is owned by or licensed to Carlyle Financial, LLC. This material includes, but is not limited to, the website’s design, layout, look, appearance and graphics. By accessing this website and by agreeing to these Terms of Use, you will not gain any ownership or other right, title or interest in any copyrighted or trademarked material. Reproduction is prohibited other than with the written consent of us.

All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

Website Access; Identity Protection
In order to provide you with ease of access to the website, we will place a cookie (a small text file) on any computer from which you access the Service. Please see our Privacy Policy for information about cookies.

Venue & Jurisdiction
Claims relating to this website, or to its use are governed by the laws of the state in which Carlyle Financial, LLC is initially registered. By viewing this website, you hereby consent to submit to the exclusive jurisdiction of that state for any litigation concerning this website.

Limitation of Liability
In no event will Carlyle Financial, LLC be liable to any party for any direct, indirect, special, punitive, incidental or consequential damages, including, without limitation, any lost profits, business interruptions, loss of programs or data on your equipment, or otherwise, even if we or any of our representatives are expressly advised of the possibility or likelihood of such damages, arising out of or related to any use of or inability to use this site, or any other linked site, including, without limitation, use of or reliance on information, interruptions, errors, defects, mistakes, omissions, deletion of files, disabling devices, delays in operation or transmission, nondelivery of information, theft, unauthorized access, disclosures of communications, or any failure of performance. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using this site. In no event shall our total liability to you for damages, losses and causes of action of any kind – whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise – exceed the amount paid by you, if any, for accessing this site.

Indemnification
You agree to defend, indemnify and hold harmless Carlyle Financial, LLC its affiliates and their respective directors, officers, employees and agents from and against any and all claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorneys fees) arising out of or accruing from (a) any material posted or otherwise provided by you that infringes any copyright, trademark, trade secret, trade dress, patent or other intellectual property right of any person or defames any person or violates their rights of publicity or privacy, (b) any misrepresentation made by you in connection with your use of the website; (c) any non-compliance by you with the terms and conditions of these Terms of Use; and (d) claims brought by persons or entities other than the parties to these Terms of Use arising from or related to your access and use of the website, including the information obtained through the website.

Severability
If any provision of these Terms of Use is held invalid or unenforceable in whole or in part, that provision shall be ineffective without affecting the validity of enforceability of the remaining provisions of these Terms of Use.

Binding Effect
This agreement is binding upon you, Carlyle Financial, LLC, and all respective heirs and assigns.

Contacting Us
If there are any questions regarding the Terms of Use, you may contact us using the information below:
www.carlylefinancialsolutions.com
Carlyle Financial, LLC
265 Post Road West
Westport, CT 06880
United States
203-571-1020

Privacy Policy

This privacy policy has been compiled to better serve those who are concerned with how their ‘Personally Identifiable Information’ (PII) is being used online. PII, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website.

What personal information do we collect from the people that visit our blog, website or app?
We do not collect information from visitors of our site.

When do we collect information?
We collect information from you when you fill out a form or enter information on our site.

How do we use your information?
We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways:
• To allow us to better service you in responding to your customer service requests.
• To follow up with them after correspondence (live chat, email or phone inquiries)

How do we protect your information?
We do not use vulnerability scanning and/or scanning to PCI standards.
We only provide articles and information. We never ask for credit card numbers.
We use regular Malware Scanning.
Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.
We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information.

Do we use ‘cookies’?
Yes. Cookies are small files that a site or its service provider transfers to your computer’s hard drive through your Web browser (if you allow) that enables the site’s or service provider’s systems to recognize your browser and capture and remember certain information. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.

We use cookies to:
• Keep track of advertisements.
• Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.
You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since each browser is different, look at your browser’s Help Menu to learn the correct way to modify your cookies.
If you turn cookies off, Some of the features that make our site experience more efficient may not function properly.

Third-party disclosure
We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information.

Third-party links
We do not include or offer third-party products or services on our website.

Google Analytics and Advertising
Carlyle Financial, LLC currently uses or has the ability to use any features of Google Analytics and Google Analytics Advertising Features such as Remarketing, Google Display Network Impression Reporting, and/or Google Analytics Demographics and Interest Reporting. These features require information collected by first-party cookies that is then processed in Google Analytics. We use these technologies to determine the success of our website and marketing, to increase advertising efficiency, and to make continual improvements to our website, user experience, and marketing. We do not collect personally-identifiable information outside of the information that you provide us on this website. We do not share this information or sell it to anyone. For a comprehensive explanation of how Google uses cookies, please see Google Partners’ Data and Privacy. If you wish to opt-out of Google Analytics Advertising Features and Google Analytics tracking, please do so using the Google Analytics Opt-Out Browser Add-on.

Carlyle Financial, LLC also uses or has the ability to utilize Google AdWords and its remarketing features. These technologies allow us to display advertisements to users that have shown interest in our product in the past, determine similar audiences that might also be interested in our product, and allow us to calculate our advertising efficiency using first and third-party cookies. Third-party vendors are able to use data collected by third-party cookies to show advertisements on sites across the internet. Third-party cookies show data collected on a specific user to many websites as a user browses the Internet. This allows advertisements to become more personalized and relevant. If you wish to opt out of Google’s use of cookies, please visit Google’s Ad Settings. If you wish to opt out of a third-party vendor’s use of cookies, please visit the Network Advertising Initiative Opt-Out page.

Opting out
Users can set preferences for how Google advertises to you using the Google Ad Settings page. Alternatively, you can opt out by visiting the Network Advertising Initiative Opt Out page or by using the Google Analytics Opt Out Browser add on.

California Online Privacy Protection Act
CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law’s reach stretches well beyond California to require any person or company in the United States (and conceivably the world) that operates websites collecting Personally Identifiable Information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals or companies with whom it is being shared. – See more at: http://consumercal.org/california-online-privacy-protection-act-caloppa/#sthash.0FdRbT51.dpuf

According to CalOPPA, we agree to the following:
Users can visit our site anonymously.
Once this privacy policy is created, we will add a link to it on our home page or as a minimum, on the first significant page after entering our website.
Our Privacy Policy link includes the word ‘Privacy’ and can easily be found on the page specified above.
You will be notified of any Privacy Policy changes: on our Privacy Policy Page
You can change your personal information: by emailing us @ ajgaines@carlylefinancial.us

How does our site handle Do Not Track signals?
We honor Do Not Track signals and Do Not Track, plant cookies, or use advertising when a Do Not Track (DNT) browser mechanism is in place.

Does our site allow third-party behavioral tracking?
We do not allow third-party behavioral tracking.

COPPA (Children Online Privacy Protection Act)
When it comes to the collection of personal information from children under the age of 13 years old, the Children’s Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, United States’ consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children’s privacy and safety online.
We do not specifically market to children under the age of 13 years old.

Fair Information Practices
The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information.

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur:
We will notify you via email within 1 business day.
We also agree to the Individual Redress Principle which requires that individuals have the right to legally pursue enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or government agencies to investigate and/or prosecute non-compliance by data processors.

CAN SPAM Act
The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations.

We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CANSPAM, we agree to the following:
• Not use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance, if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails please contact us below.

Contacting Us
If there are any questions regarding this privacy policy, you may contact us using the information below:
www.carlylefinancialsolutions.com
Carlyle Financial, LLC
265 Post Road West
Westport, CT 06880
United States
203-571-1020