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Location:

1968 S. Coast Hwy #3880 Laguna Beach, CA 92651

Phone:

1.888.945.8513

Email:

[email protected]

Even when your nest egg starts to shrink, remember that with the right strategies and a positive mindset, you can turn financial challenges into opportunities for growth and resilience.

Raymond U. Ogums, Shrinking Nest Egg

  

 

Contact Us

Address:
1968 S. Coast Hwy #3880 Laguna Beach, CA 92651

Phone:
1.888.945.8513

Email:
[email protected]

 

 

Even when your nest egg starts to shrink, remember that with the right strategies and a positive mindset, you can turn financial challenges into opportunities for growth and resilience.

Raymond U. Ogums, Shrinking Nest Egg

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Privacy Policy

Privacy Policy

Effective Date: September 24, 2024

Dr. Raymond Ogums Books is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://pumroypublishing.com//. Please read this Privacy Policy carefully. If you do not agree with the terms of this policy, please do not access the site.

1. Information We Collect

We may collect information about you in various ways, including:

  • Personal Data: Personally identifiable information, such as your name, email address, phone number, and other details you provide when filling out forms on the Site, subscribing to our newsletter, or contacting us.
  • Non-Personal Data: Information that does not identify you personally, such as your IP address, browser type, device information, operating system, and browsing behavior on the Site.
  • Cookies and Tracking Technologies: We use cookies, web beacons, and similar tracking technologies to monitor activity on our Site and improve your user experience. You can manage cookie preferences in your browser settings.

2. How We Use Your Information

We may use the information we collect for purposes such as:

  • Providing, operating, and maintaining the Site.
  • Improving our website content, functionality, and user experience.
  • Responding to your inquiries or fulfilling your requests.
  • Sending updates, promotions, or marketing communications (with your consent, where required by law).
  • Complying with legal obligations or protecting our rights.

3. How We Share Your Information

We do not sell, trade, or rent your personal information to others. We may share your information in the following cases:

  • Service Providers: With trusted third-party vendors who assist in operating our Site, conducting our business, or servicing you, provided they agree to keep your information confidential.
  • Legal Obligations: If required by law, court order, or other legal processes.
  • Business Transfers: In connection with a merger, sale, or acquisition involving our business.

4. Data Security

We take reasonable measures to protect your information from unauthorized access, misuse, or disclosure. However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

5. Your Rights

Depending on your location, you may have the following rights:

  • Access, correct, or delete your personal information.
  • Withdraw consent for certain processing activities.
  • Opt-out of receiving marketing communications.

To exercise these rights, contact us at [email protected].

6. Third-Party Links

Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies before submitting personal information.

7. Children's Privacy

Our Site is not intended for children under the age of 13. We do not knowingly collect personal information from children. If we learn that we have collected such information, we will take steps to delete it promptly.

8. Changes to This Policy

We reserve the right to update or modify this Privacy Policy at any time. Changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after changes are made signifies your acceptance of the updated policy.

9. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

Stellar Literary Press and Media
Email: [email protected]
Hotline: 1-888-945-8513
Address: 145 W Broadway, Long Beach, California, 90802

Terms and Conditions

Terms and Conditions

Effective Date: September 24, 2024, 2024

Welcome to Dr. Raymond Ogums Books. These Terms and Conditions govern your use of our Site and its content, services, and functionality. By accessing or using the Site, you agree to comply with these Terms. If you do not agree, please do not use the Site.

1. Use of the Site

  • You must be at least 18 years old to use this Site. By accessing the Site, you confirm that you meet this requirement.
  • You agree to use the Site only for lawful purposes and in accordance with these Terms.
  • Unauthorized use of the Site or its content may give rise to a claim for damages and/or be a criminal offense.

2. Intellectual Property

  • All content on the Site, including text, graphics, logos, images, and software, is the property of Dr. Raymond Ogums Books or its licensors and is protected by copyright, trademark, and other intellectual property laws.
  • You may not reproduce, distribute, modify, or create derivative works from the Site's content without prior written consent from us.

3. User Content

  • By submitting content to the Site (e.g., comments, feedback, or other materials), you grant us a non-exclusive, royalty-free, worldwide license to use, reproduce, and distribute your content in connection with the Site.
  • You are solely responsible for the content you submit and must ensure it does not violate any laws or infringe on third-party rights.

4. Prohibited Activities

You agree not to:

  • Use the Site in a way that could damage, disable, or impair its functionality.
  • Upload or distribute malicious software or viruses.
  • Engage in unauthorized data collection activities, such as scraping or harvesting information from the Site.

5. Third-Party Links

Our Site may contain links to external websites for your convenience. We are not responsible for the content or practices of third-party sites and recommend reviewing their terms and conditions.

6. Disclaimer of Warranties

  • The Site is provided "as is" and "as available" without warranties of any kind, either express or implied.
  • We do not guarantee that the Site will be error-free, secure, or uninterrupted.
  • Your use of the Site is at your sole risk.

7. Limitation of Liability

To the fullest extent permitted by law:

  • Dr. Raymond Ogums Books and its affiliates will not be liable for any damages arising from your use of the Site, including but not limited to direct, indirect, incidental, or consequential damages.

8. Indemnification

You agree to indemnify and hold harmless Dr. Raymond Ogums Books, its affiliates, and employees from any claims, damages, or expenses arising out of your use of the Site or violation of these Terms.

9. Termination

We reserve the right to suspend or terminate your access to the Site at our discretion, without notice, for any violation of these Terms or if we deem it necessary for security or operational reasons.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of California, USA, without regard to its conflict of law principles.

11. Changes to the Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Effective Date." Your continued use of the Site after changes are made constitutes acceptance of the new Terms.

12. Contact Us

If you have questions about these Terms, please contact us at:

Stellar Literary Press and Media
Email: [email protected]
Hotline: 1-888-945-8513
Address: 145 W Broadway, Long Beach, California, 90802

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