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This Web page describes the practices of  S.Kowalski Inc. with respect to the collection of user information from this website and the use and disclosure of such information.
This document only applies to this Web site and does not address information we obtain from places other than our website. In addition, our site and other sites on the Web (including those we link to) have their own practices; in all cases we encourage you to ask questions and to provide data only to sites whose practices you understand and trust.

Collection of information
We collect non-personally identifiable information about you in a number of ways, including tracking your activities through your IP address or most-recently visited URL. However, we do not collect any personally identifiable information about you unless you voluntarily submit such information to us, such as by filling out “contact us” form emailing us.

We do not knowingly obtain personally identifiable information from children who are using our site unsupervised.  Children should obtain the consent of their parent or guardian before providing us with any personally identifiable information.

S. Kowalski, Inc. reserves the right to use information collected from our Web site for our business purposes. If you provide us with information such as telephone number, mailing address, or email address, we may contact you.

We do not make available any information that we collect from you to any organizations or companies other than our affiliates.

Disclosure of information
Unless we tell you otherwise, we do not sell or rent your personally identifiable information to any third parties. However, we might share your personally identifiable information with other S. Kowalski, Inc. divisions, affiliates or partners, and we may sell and rent aggregated (non-personally identifiable) information about our users generally.

Use of information
We use personally identifiable and non-personally identifiable information for internal marketing purposes and for site administration. However, unless we tell you otherwise, we usually do not use personally identifiable information collected from the website to send unsolicited mailings to you. Of course, if applicable, we do use personally identifiable information to perform the services for which such data was collected (i.e., if you sign up for an email newsletter, we will send the email newsletter to the address you provide us).

Children’s privacy
We restrict the use of our service to individuals age 18 and above. We do not knowingly collect, maintain, or use personal information from children under the age of 18.

We do not knowingly obtain personally identifiable information from children who are using our site unsupervised. Thus, we ask children under the age of 18  obtain the consent of their parent or guardian before providing us with any personally identifiable information.  If we are made aware of data collected from children under the age of 18, we will delete it immediately from our databases.

We use industry-standard methods to protect your personally identifiable information from unauthorized access. Among other techniques, we usually store such information on a computer behind our “firewall” in a secure location, and we  restrict the number of employees internally who can access such data. Of course, there is no such thing as “perfect security” on the Internet.  Please note that a third-party Web host, whose actions we do not control, operates our servers.

Amendments to this policy will be posted at this URL and will be effective when posted.

General Use Restrictions
S. Kowalski, Inc. or third parties granting rights to S. Kowalski, Inc. hold all right, title, and interest in and to the materials on this site, which are the copyrighted work of S. Kowalski, Inc.or such third parties.  S. Kowalski, Inc. grants you a limited, personal, non-exclusive and non-transferable license to use and display the materials only on your personal computer only for purposes associated with your interaction with this  website. Except as stated herein, you have no right to copy, download, display, perform, reproduce, distribute, modify, edit, alter or enhance any of the materials in any manner. This limited license terminates automatically, without notice to you, if you breach any of these terms. Upon termination, you must immediately destroy any downloaded and printed materials. You have no right, title or interest (and no copyright, trademark or other intellectual property right) in or to the site or any materials and you agree not to “frame” or “mirror” the site, any material contained on or accessible from this site on any other server or Internet-based device without the advanced written authorization of S. Kowalski, Inc.