Refund Policy

Refund Policy:
We do not offer refunds for any reason. Our products are digital assets that cannot be returned therefore we don’t offer refunds on any product. Our services require our time in which we cannot get back therefore we do not offer refunds for our services. We show full previews of every digital product we offer. Please review the information carefully so that you are only purchasing products that you intend to. This policy is strictly enforced.

Privacy & Terms

Subscription:
Our monthly subscription plan includes members only discounts and offers. The information in the membership area is updated monthly on the 1st of the month and is available through the last day of the month. It is the members responsibility to open and save the content that is included in the members portal every month. Once the new month rolls over, the content is no longer available. If a member joins on the last day of the month, they will only have one day to download the information. Members are charged their first payment on the day they join the membership and on the 1st of every month thereafter. Members can login and cancel their own membership with no notice required. Access to the membership area is immediately available when a member joins and immediately unavailable when they cancel. There are no refunds offered once you join our membership.

Privacy Policy:


Commitment to Your Privacy
This site is owned and operated by GWAP Financial Services, Inc. Your privacy on the Internet is of the utmost importance to us. At GWAP Financial Services, Inc we want to make your experience online satisfying and safe. Because we gather certain types of information about our users, we feel you should fully understand our policy and the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it.

Sharing of Information
GWAP Financial Services, Inc does not under any circumstances share, sell, rent, or in any other way provide your information to anyone for any use whatsoever.

Security
GWAP Financial Services, Inc operates secure data networks protected by industry standard firewall and encryption protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary and only authorized individuals have access to the information provided by our customers.

Information GWAP Financial Services, Inc Gathers and Tracks
GWAP Financial Services, Inc gathers two types of information about users:


• Information that users provide manually on our web site. This information is gathered on our Enrollment (Sign Up) Form and includes name, address, email address. This information is not shared or used for any marketing purposes whatsoever.


• Information GWAP Financial Services, Inc gathers through aggregated tracking information derived mainly by tallying page views throughout our sites. This information allows us to better tailor our content to readers’ needs and to help us better understand the demographics of our audience.

Usage Tracking
GWAP Financial Services, Inc tracks user traffic patterns. However, we do not correlate this information with data about individual users. GWAP Financial Services, Inc does break down overall usage statistics according to a user’s domain name, browser type, and MIME type by reading this information from the browser string (information contained in every user’s browser). GWAP Financial Services, Inc sometimes tracks the search terms that users enter in public search engines, which generate a “click through”, but this tracking is never associated with individual users. We use tracking information to determine the effectiveness of individual search terms.

Cookies
We may place a text file called a “cookie” in the browser files of your computer. The cookie itself does not contain Personal Information although it will enable us to relate your use of this site to information that you have specifically and knowingly provided. But the only personal information a cookie can contain is information you supply yourself. A cookie can’t read data off your hard disk or read cookie files created by other sites. GWAP Financial Services, Inc uses cookies to track user traffic patterns (as described above). You can refuse cookies by turning them off in your browser. If you’ve set your browser to warn you before accepting cookies, you will receive the warning message with each cookie. You do not need to have cookies turned on to use this site.

Your Consent
By using this site, you consent to the collection and use of this information by GWAP Financial Services, Inc. If we decide to change our privacy policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it.

Public Safety and Legal Process We will not share information about individual users with any third party, except to comply with applicable law or valid legal process or to protect the personal safety of our users or the public.