Please visit the site regularly for updates.  This Privacy Policy is subject to change at any time and at the sole discretion of the Site owner and operator.  We are committed to protecting your privacy and security. We control this site from offices in the United States of America.  We do not represent that materials on the site are appropriate or available for use in other locations.  Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

 We collect your information in order to record and support your participation in the activities you select.  If you register for training or products, for example, the information is used to track your preferences and to keep you informed about the training and related events.  As a visitor to the Site, you can engage in many activities without providing any personal information.  In connection with other activities, such as utilizing registering for a course, we may ask you to provide certain information about yourself by filling out and submitting an online form.  It is completely optional for you to engage in these activities.  If you elect to engage in these activities, however, we may ask that you provide us personal information, such as your first and last name, mailing address (including ZIP code), e-mail address, telephone, credit card, and other personal information.  If you do not provide the mandatory data with respect to a particular activity, you will not be able to engage in that activity.  In all cases, we will collect personal identification information from you only if you voluntarily submit such information to us.  Except as otherwise provided in this policy, we will never intentionally disclose any personal identification information about you to any third party without having received your permission. If you supply us with your contact information you may receive periodic e-mails, mailing or calls from us with information on new products and services, important issues, or upcoming events.  If you wish to be removed from any postal, email, phone, or other lists, please let us know by emailing us at Admin at QBKathy dot com.  You can also write us or call us at the contact information provided.  Provide us with your exact name, email address, mailing address, and phone.  We will be sure your name is removed from the appropriate lists immediately.  When you use our Site, we or our authorized technology services provider may also collect certain technical and routing information from you to facilitate your use of the Site and its services.  We use this information to administer the Site and to understand and measure traffic patterns on the Site so that we know which areas of our site are favorites of our users, which areas need improvement, and what technologies are being used so that we may continually improve the site. This information may be used for statistical data and is often tracked by us or our technology services provider by using “cookies” during your visit.  Most browsers are initially set to accept cookies.

 Outside Sites (Their Privacy Policies May Be Different)

The Site may contain links to other websites, that may offer products or services that our Site visitors and/or customers might find useful.  These sites may request information from you.  In such instances, the collection and use of your personal information will be governed by the privacy policy applicable to that site.  We do not control the privacy policies, contents or links that appear on these sites.  We encourage you to review the privacy policies of any third party sites or services before providing any of them with your personal information.

Exceptions to Privacy Policy

While we are committed to keeping your information secure and private, we have the following exceptions to our privacy policy:  we will release specific information about you or your account to comply with any valid legal inquiry. We will also release specific information in special cases, such as if there is an attempted breach of the security of the Site, or a physical or property threat to you or others.  Further, the information you enter when making a purchase will be shared with payment processors, financial gateways, and your credit card company to authorize credit card payments.  Such information may also be shared with necessary third parties solely for the purpose of carrying out the transactions.  Please note that if you give out personal information online through a discussion board or posting site, that information can be collected and used by third parties. 


These terms will be governed by and construed in accordance with the laws of the State of California, without regard to any principles of conflicts of law.  You agree that any action at law or in equity that arises out of or relates to these terms will be subject to mediation in the State of California.  If any of these terms of use are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms of use, and will not affect the validity and enforceability of the remaining provisions.  These terms may be modified only by our posting of changes to these terms of use on this Site.