Terms and Conditions

Web site Use Statement

Welcome to the Angel Insights™ web site, this site is owned and operated by Pananda DonnaRae Kohlman and Wholistic Gateway. Yes, unfortunately we must have these to protect our rights, intellectual property, copyrights, and trademarks and to protect you.

These Terms of Use, along with policies and guidelines located throughout the Angel-Insights.com web site identify what users of the Angel-Insights.com web site can expect from Angel-Insights.com, and what we expect from users. By accessing any areas of the Angel-Insights.com web site, users are deemed to have accepted these Terms of Use and other policies and guidelines identified throughout the Angel-Insights.com web site.

Angel-Insights.com respects the privacy of its Users. The terms and conditions of the Angel-Insights.com Privacy Policy are incorporated herein by reference.

Proprietary Rights

User acknowledges that the angel-insights.com website contains Content that are protected by copyrights, trademarks, trade secrets, or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereinafter developed. All Content is copyrighted as a collective work under the U.S. and Australian copyright laws, and angel-insights.com owns a copyright in the selection, coordination, arrangement, and enhancement of such Content. User may not modify, remove, delete, augment, add to, publish, transmit, participate in the transfer or sale of, create derivative works from, or in any way exploit any of the Content, in whole or in part. If no specific restrictions are displayed, Users may make copies of select portions of the Content, provided that the copies are made only for User's personal use and that User maintains any notices contained in the Content, such as all copyright notices, trademark legends, or other proprietary rights notices. User may not upload, post, reproduce, or distribute in any way Content protected by copyright, or other proprietary right, without obtaining permission of the owner of the copyright or other propriety right. In addition to the foregoing, use of any software Content shall be governed by the software license agreement accompanying such software.

Third-Party Content

In some instances, the Content available through the angel-insights.com website represents the opinions and judgments of the respective third party providing such Content. angel-insights.com neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made on the angel-insights.com web site by anyone other than angel-insights.com. Under no circumstances shall angel-insights.com, or its affiliates, or any of their officers, directors, employees, or agents be liable for any loss, damage or harm caused by a User's reliance on information obtained through the angel-insights.com website. It is the responsibility of User to evaluate the information, opinion, advice, or other Content available through the angel-insights.com web site.

Your agreement with us

You accept these terms and conditions by accessing or using any part of this site after the first time you visit a page providing a link to them. You then confirm your acceptance of these terms and conditions (as varied from time to time) each time you access any part of this site.

These terms and conditions form a legally binding agreement between you and Angel Insights ("Angel Insights", "we" or "us") governing your use of this site. You are welcome to print a copy for your records.

If you do not accept these terms and conditions, you will need to exit this site immediately.

A reference to "these terms and conditions" also includes all other instructions, terms or conditions concerning the use of this site or any part of it.

A reference to "this site" means the web site at http://www.angel-insights.com

Use of this site

You may use and copy the information on this site for personal reference only. You agree that you will not use it for any purposes that are commercial, unlawful or may prejudice the reputation or interests of Angel Insights. “Unlawful” use includes activities such as fraud, the posting of defamatory or offensive material, infringement of the rights of others and failure to comply with any legislation.

You must not hack into, change or otherwise interfere with the operation of this site or any information contained within it. This includes knowingly transmitting a virus or other damaging item to this site.

You must not provide a link to this site without our prior written permission.

This website is provided "as is", so you use it entirely at your own risk. We try to ensure that all information contained on this site is correct at the time of inclusion and that the site is free of viruses and other operational problems. However, we cannot give any guarantees in this regard.

You are responsible for your use of this site, and fully indemnify us in respect of any use that we have not expressly authorised.

Intellectual property rights

Intellectual property rights are a bundle of exclusive rights over creations of the mind, both artistic and commercial. The former is covered by copyright laws, which protect creative works, such as books, movies, music, paintings, photographs, and software, and gives the copyright holder exclusive right to control reproduction or adaptation of such works for a certain period of time.

The second category is collectively known as "industrial properties", as they are typically created and used for industrial or commercial purposes. A trademark is a distinctive sign (™) which is used to prevent confusion among products in the marketplace.

Pananda DonnaRae Kohlman is the intellectual property owner of Angel Insights™ and conducts business under the legal entity of "Wholistic Gateway™" in the State of Victoria, Australia

©The Angel Insights name and logo are owned by Pananda DonnaRae Kohlman and are protected by law. The use of this copyrighted material or any other content is strictly prohibited. All rights are reserved.

All content included on this site is the property of Pananda DonnaRae Kohlman and Wholistic Gateway and protected by Australian, United States and international copyright laws. ©Pananda DonnaRae Kohlman and Wholistic Gateway. All Rights Reserved.

All graphic information contained in this web site is the property of Pananda DonnaRae Kohlman and Wholistic Gateway. Except as specifically permitted herein, no portion of the information on this web site may be reproduced in any form or by any means without the prior written permission from Pananda DonnaRae Kohlman or Wholistic Gateway. The Angel Insights™ website contains links to other web sites, which are not under the control of Pananda DonnaRae Kohlman or Wholistic Gateway. Pananda DonnaRae Kohlman and Wholistic Gateway make no representations whatsoever about any other web site to which you may have access through the Angel Insights website. When you access a non Angel Insights web site, you do so at your own risk and Pananda DonnaRae Kohlman and Wholistic Gateway are not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. Pananda DonnaRae Kohlman and Wholistic Gateway provides these links merely as a convenience and the inclusion of such links does not imply that Pananda DonnaRae Kohlman and Wholistic Gateway endorses or accepts any responsibility for the content or uses of such web sites.

The site contains copyright material, brand names and other trade marks that are protected by law. You should assume that all names and logos are trade marks of us or third parties, and that all content on this site is subject to copyright. Except as expressly authorised, the use of any material on this site (including reproduction, modification, distribution, republication, display or communication of any kind) is strictly prohibited.

Australian trade mark law is based on the Trade Marks Act 1995 (Cth). Amongst other things, the Trade Marks Act defines trade marks (including certification marks and collective marks), what constitutes trademark infringement and defences and exceptions thereto. Section 17 of the Trade Marks Act defines a trade mark as "a sign used, or intended to be used, to distinguish goods or services dealt with or provided in the course of trade by a person from goods or services so dealt with or provided by any other person".

Trademark infringement is a violation of the exclusive rights attaching to a trademark without the authorization of the trademark owner or any licensees (provided that such authorization was within the scope of the license). Infringement may occur when one party, the "infringer", uses a trademark which is identical or confusingly similar to a trademark owned by another party, in relation to products or services which are identical or similar to the products or services which the registration covers. An owner of a trademark may commence legal proceedings against a party which infringes its registration.

Other web sites

This site contains links to third party sites. We are not responsible for the operation, security levels, content or any other aspect of any third party sites. Links are provided solely for your convenience and do not indicate our endorsement of any third party sites or the products or services provided, advertised or otherwise mentioned on those sites.

All web sites of Angel Insights businesses, and all products or services offered by those businesses, have their own terms and conditions. Please ensure that you read the applicable terms and conditions when you enter and use these sites.

Termination of Usage

angel-insights.com may suspend or terminate any User's access to all or any part of the angel-insights.com web site including any account thereon, without notice, for any reason in angel-insights.com’s sole discretion.

Disclaimers and Limitation of Liabilities

THE ANGEL-INSIGHTS.COM WEBSITE IS PROVIDED BY PANANDA DONNARAE KOHLMAN AND WHOLISTIC GATEWAY ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, PANANDA DONNARAE KOHLMAN AND WHOLISTIC GATEWAY DISCLAIMS ALL IMPLIED WARRANTIES.

WITHOUT LIMITING THE FOREGOING, PANANDA DONNARAE KOHLMAN AND WHOLISTIC GATEWAY MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED: (I) AS TO THE OPERATION OF THE ANGEL-INSIGHTS.COM WEBSITE, OR THE INFORMATION, CONTENT, MATERIALS OR PRODUCTS INCLUDED THEREON; (II) THAT THE ANGEL-INSIGHTS.COM WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE; (III) AS TO THE ACCURACY, RELIABILITY, OR CURRENCY OF ANY INFORMATION, CONTENT, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE ANGEL-INSIGHTS.COM WEBSITE; OR (IV) THAT THE ANGEL-INSIGHTS.COM WEBSITE, ITS SERVERS, OR E-MAIL SENT FROM OR ON BEHALF OF ANGEL-INSIGHTS.COM ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

ANGEL-INSIGHTS.COM DOES NOT GUARANTEE THE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE ANGEL-INSIGHTS.COM WEBSITE OR ANY RELATED SERVICES. THE OPERATION OF THE ANGEL-INSIGHTS.COM WEBSITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE THE CONTROL OF PANANDA DONNARAE KOHLMAN OR WHOLISTIC GATEWAY.

UNDER NO CIRCUMSTANCES SHALL PANANDA DONNARAE KOHLMAN AND WHOLISTIC GATEWAY BE LIABLE FOR ANY DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE ANGEL-INSIGHTS.COM WEBSITE, INCLUDING BUT NOT LIMITED TO RELIANCE BY A USER ON ANY INFORMATION OBTAINED FROM THE ANGEL-INSIGHTS.COM WEBSITE OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO ANGEL-INSIGHTS.COM ’S RECORDS, PROGRAMS, OR SERVICES. USER HEREBY ACKNOWLEDGES THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH THE ANGEL-INSIGHTS.COM WEBSITE. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO A USER, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO SUCH USER, AND SUCH USER MAY HAVE ADDITIONAL RIGHTS.

Acknowledgement

The Terms of Use, including all documents referenced herein, represents the entire understanding between User and angel-insights.com regarding User's relationship with angel-insights.com and supersedes any prior statements or representations. When using the angel-insights.com website or making a purchase there from, USER AGREES TO BE BOUND BY THESE TERMS OF USE.

Modification

Pananda DonnaRae Kohlman and Wholistic Gateway reserve the right to make changes to the angel-insights.com website, posted policies and these Terms of Use at any time without notice. These Terms of Use were last revised on September 6, 2008.

Fair Trading and how we are to do business

Wholistic Gateway will comply with all the relevant laws, regulations and company policies regarding Fair Trading. To this end our stated policy is:

We will adhere to the Trade Practices Act, state legislation and related company policies, including the Wholistic Gateway Fair Trading Policy. All policies and procedures will reflect this commitment. We will act and make decisions in accordance with this commitment to Fair Trading. All management will be responsible for ensuring this commitment is implemented and monitored.

In conjunction with the Wholistic Gateway Fair Trading Policy, Wholistic Gateway will:

Conduct business with integrity and in accordance with community and business ethical standards behaviour.

This applies in all our dealings with customers, suppliers and competitors. Actively encourage and respond to feedback from our customers, suppliers and team members, and recognise opportunities to ensure continuous improvement.

Communicate openly and honestly about our products and services with our customers, suppliers and team members.

Communicate in plain language to ensure information is clear, accurate and easily understood. Provide an efficient, fair and accessible complaint handling process in accordance with the Australian Standard

Our liability

Except to the extent required by law, you agree that Angel Insights, their directors, officers, employees, agents, contractors, service providers, successors or assigns will not be liable for any losses, damages, liabilities, claims or expenses whatsoever arising out of, or in any way related to, the use of this site or any site linked to it. This limitation applies to all direct, indirect, consequential, special, punitive or other losses, damages, liabilities, claims or expenses you or others may suffer, including for loss of profits, business interruption or loss or corruption of data or information.

If we provide any goods or services via this site and are in breach of a condition or warranty which is implied by law and cannot be excluded, our liability (and that of the other persons listed above) is limited, to the maximum extent possible, to one of the following at our option:

the supply of goods or services again;

the repair of goods; or

the payment of the cost of having the goods or services supplied again or repaired.

Applicable law

This site is designed for use by Australian residents. Your use of this site is governed by, construed and enforced in accordance with the laws of Victoria, Australia. Disputes arising from your use of this site are exclusively subject to the jurisdiction of the courts of Victoria, Australia (including the Federal Court of Australia, Victoria Registry).

This site may be accessed throughout Australia and overseas. Without limiting any of the above terms and conditions, we make no representations that the content of this site complies with the laws, including intellectual property laws, of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in each place where you access the site or where anything you publish or upload can be accessed.

Variations to terms and conditions

These are the current terms and conditions. We may at any time vary these terms and conditions by posting the varied terms and conditions on this site. You agree that this provides you with sufficient notice of the variation. If any variations are made that will adversely affect you, we will try to give you as much prior notice as possible. However, all variations are effective from the time of posting unless stated otherwise.

Accessibility

Our aim is to make angel-insights.com as accessible to as many people as possible. We have an ongoing commitment to progressively improve site content accessibility.

Privacy

Pananda DonnaRae Kohlman and Wholistic Gateway have created this privacy statement in order to demonstrate our firm commitment to privacy. The following discloses our information gathering and dissemination practices for this web site:

Our online e-newsletter asks users to give us contact information (like their name and email address). This information is used to contact the visitor when necessary about special promotions, events, discounts, and messages from Doreen Virtue and is never divulged to third parties. This site contains links to other sites. Pananda DonnaRae Kohlman and Wholistic Gateway is not responsible for the privacy practices or the content of such web sites.

Our site uses an order form for customers to request information, products, and services. We collect visitor's contact information (such as their e-mail address) and financial information (their account or credit card numbers). Contact information from the order form is used to send orders, information about our company, and occasional future promotional material. The customer's contact information is also used to get in touch with the customer when necessary regarding the order. Financial information that is collected is used to bill the user for products and services.

This Privacy Policy applies to the collection, storage, use and dissemination by Pananda DonnaRae Kohlman and Wholistic Gateway of your personal information ('Your Personal Information').

Access to the contents of this Site is conditional upon your approval of this Privacy Policy. As part of Pananda DonnaRae Kohlman and Wholistic Gateway’s commitment to the protection of Your Personal Information, we have developed this policy in line with the voluntary National Principles for the Fair Handling of Personal Information developed by the Australian Federal Privacy Commissioner which represent industry best practice.

Our Privacy Policy contains the following important information regarding Your Personal Information:

Collection of Your Personal Information
Storage and Security of Your Personal Information
Use and Disclosure of Your Personal Information
Access to Your Personal Information
Children's Privacy
Disclaimer
Further Information on Privacy
Contact Us

You agree that your use of this Site implies your consent to the collection and use of Your Personal Information (or your children's personal information) in accordance with the terms of this Privacy Policy.

If we deem it necessary, we may amend this Privacy Policy from time to time in line with industry best practice. It is prudent for you to review our Privacy Policy regularly to ensure that you are satisfied and consent to all amendments to our Privacy Policy. Your continued use of this Site following any amendments is valid confirmation of your acceptance to the amendments.

Collection Of Your Personal Information

Your Personal Information is collected to enhance your use of the Site and continually improve our Site.

Some of the information collected will not personally identify you but instead track your use of the Site. We may obtain this information by our use of 'Cookies'. Cookies are commonly used by web sites on the Internet and are a feature usually placed in your hard drive that recognizes and identifies your computer. The Cookie does not contain any information that personally identifies you and we do not use Cookies in order to obtain such information. Your browser should allow you to refuse Cookies if you desire.

We will collect information that does personally identify you where required (this may include your name, email address, gender, age and subscribers details). We only collect this information to carry out the functions offered on the areas of Site that you choose to enter.

Storage And Security Of Your Personal Information

Pananda DonnaRae Kohlman and Wholistic Gateway will use all reasonable endeavours to maintain the security of Your Personal Information. We require our staff and service providers to respect the confidentiality of Your Personal Information.

Due to the nature of the Internet, we cannot guarantee that Your Personal Information will always be secure during transmission or from unauthorised access during storage. Please contact info@angel-insights.com immediately if you become aware or have reason to believe there has been any unauthorised use of Your Personal Information.

Use And Disclosure Of Your Personal Information

Pananda DonnaRae Kohlman and Wholistic Gateway will not disclose information that personally identifies you to other parties. Pananda DonnaRae Kohlman and Wholistic Gateway may be required to disclose some information that does not personally identify you to other parties to provide other parties with aggregate statistics of people that have seen or linked to their information on our Site. This provision of information with other parties assists Pananda DonnaRae Kohlman and Wholistic Gateway with improvements to the Site and assists AI's to provide the Site to users at no cost.

Pananda DonnaRae Kohlman and Wholistic Gateway may provide certain information about you to its related bodies corporate.

If you subsequently decide that you do not wish to receive information about the products and services of the Pananda DonnaRae Kohlman and Wholistic Gateway’s Partners, please Contact Us with your request to be removed from our mailing list. We will use reasonable endeavours to remove your name within 14 days of receipt of notice.

Access To Your Personal Information

Pananda DonnaRae Kohlman and Wholistic Gateway will use all reasonable endeavours to keep Your Personal Information accurate. Please contact us to examine Your Personal Information if required. We will use reasonable endeavours to provide a complete list of Your Personal Information within 14 days of receipt of your enquiry.

You may contact us to amend any of Your Personal Information that is inaccurate or request that Your Personal Information be deleted. We will use reasonable endeavours to amend or delete your records as requested within 14 days of receipt of notice. If applicable, any legal requirement on AI to maintain certain records of Your Personal Information shall prevail over any of your requests.

Children's Privacy

All persons under the age of 18 must obtain the consent of their parents or legal guardians before using this Site or submitting any information to this Site. Pananda DonnaRae Kohlman and Wholistic Gateway will adhere to this Privacy Policy in respect of any information submitted by minors but the primary responsibility rests on parents and guardians to properly supervise their children's use of the Site.

Disclaimer

Pananda DonnaRae Kohlman and Wholistic Gateway will only collect, use or disclose information that personally identifies you as set out in this Privacy Policy unless in our opinion Pananda DonnaRae Kohlman and Wholistic Gateway are required by law to protect the rights or property of Pananda DonnaRae Kohlman and Wholistic Gateway or any third party, or to avoid injury to any person.

In accordance with Pananda DonnaRae Kohlman and Wholistic Gateway’s established relationships with Pananda DonnaRae Kohlman and Wholistic Gateway’s Partners, users of our Site may link directly to sites operated by Pananda DonnaRae Kohlman and Wholistic Gateway Partners. Although certain Pananda DonnaRae Kohlman and Wholistic Gateway Partner sites may be co-branded with the Transmutation Soul Therapy logo, you acknowledge that such sites may not be operated by Pananda DonnaRae Kohlman and Wholistic Gateway. We encourage you to always read the applicable privacy policy of any Pananda DonnaRae Kohlman and Wholistic Gateway Partner on exiting this Site.

Pananda DonnaRae Kohlman and Wholistic Gateway’s Partner sites may collect additional personal information from you in addition to Your Personal Information supplied to Pananda DonnaRae Kohlman and Wholistic Gateway. You acknowledge that Pananda DonnaRae Kohlman and Wholistic Gateway is not responsible for the content or practices of the sites operated by Pananda DonnaRae Kohlman and Wholistic Gateway’s Partners including the manner in which they collect, store, use or disseminate your personal information.

Further Information On Privacy

If you would like any further information about your rights to privacy, please see the Australian Privacy Commissioner's website or contact the Internet Industry Association.

Choice/Opt-Out

Please contact the Customer Service Department on +61 4 1771 4093 or click here to request the removal of your information from our database or to no longer receive future communications.

Contacting the Web site

If you have any questions about this privacy statement, the practices of this site, or your dealings with this Web site, you can contact Pananda DonnaRae Kohlman or Wholistic Gateway at the address below.

Need more information?

If you have a query relating to our Privacy Policy, contact the person that you normally deal with, or call Pananda DonnaRae Kohlman at the Wholistic Gateway office on:

(+61) 4 1771 4093, 10am to 4pm AEST, Monday to Friday

info@angel-insights.com

PO Box 519

Collins Street West

Melbourne, Victoria, Australia 8007