The term ‘JM Lesko Financial, LLC or JMLesko.com’ or ‘us’ or ‘we’ refers to the owner of the application and the website. The term ‘you’ refers to the user or viewer of our website.
- The content of the pages of this website is for your general information and use only. It is subject to change without notice.
- Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
- Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
- This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.
- All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
- Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense.
- From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
To Your Success!
John M Lesko, Certified Financial Educator
1. Acceptance of our Terms
By visiting the website JMLesko.com, viewing, accessing or otherwise using any of the services or information created, collected, compiled or submitted to JMLesko.com, you agree to be bound by the following Terms and Conditions of Service. If you do not want to be bound by our Terms your only option is not to visit, view or otherwise use the services of JMLesko.com. You understand, agree and acknowledge that these Terms constitute a legally binding agreement between you and JMLesko.com and that your use of JMLesko.com shall indicate your conclusive acceptance of this agreement.
2. Provision of Services
You agree and acknowledge that JMLesko.com is entitled to modify, improve or discontinue any of its services at its sole discretion and without notice to you even if it may result in you being prevented from accessing any information contained in it. Furthermore, you agree and acknowledge that JMLesko.com is entitled to provide services to you through subsidiaries or affiliated entities.
3. Proprietary Rights
You acknowledge and agree that JMLesko.com may contain proprietary and confidential information including trademarks, service marks and patents protected by intellectual property laws and international intellectual property treaties. JMLesko.com authorizes you to view and make a single copy of portions of its content for offline, personal, non-commercial use. Our content may not be sold, reproduced, or distributed without our written permission. Any third-party trademarks, service marks and logos are the property of their respective owners. Any further rights not specifically granted herein are reserved.
4. Submitted Content
When you submit content to JMLesko.com you simultaneously grant JMLesko.com an irrevocable, worldwide, royalty free license to publish, display, modify, distribute and syndicate your content worldwide. You confirm and warrant that you have the required authority to grant the above license to JMLesko.com.
5. Termination of Agreement
The Terms of this agreement will continue to apply in perpetuity until terminated by either party without notice at any time for any reason. Terms that are to continue in perpetuity shall be unaffected by the termination of this agreement.
6. Disclaimer of Warranties
You understand and agree that your use of JMLesko.com is entirely at your own risk and that our services are provided “As Is” and “As Available”. JMLesko.com does not make any express or implied warranties, endorsements or representations whatsoever as to the operation of the JMLesko.com website, information, content, materials, or products. This shall include, but not be limited to, implied warranties of merchantability and fitness for a particular purpose and non-infringement, and warranties that access to or use of the service will be uninterrupted or error-free or that defects in the service will be corrected.
7. Limitation of Liability
You understand and agree that JMLesko.com and any of its subsidiaries or affiliates shall in no event be liable for any direct, indirect, incidental, consequential, or exemplary damages. This shall include, but not be limited to damages for loss of profits, business interruption, business reputation or goodwill, loss of programs or information or other intangible loss arising out of the use of or the inability to use the service, or information, or any permanent or temporary cessation of such service or access to information, or the deletion or corruption of any content or information, or the failure to store any content or information. The above limitation shall apply whether or not JMLesko.com has been advised of or should have been aware of the possibility of such damages. In jurisdictions where the exclusion or limitation of liability for consequential or incidental damages is not allowed the liability of JMLesko.com is limited to the greatest extent permitted by law.
8. External Content
JMLesko.com may include hyperlinks to third-party content, advertising or websites. You acknowledge and agree that JMLesko.com is not responsible for and does not endorse any advertising, products or resource available from such resources or websites.
You expressly understand and agree to submit to the personal and exclusive jurisdiction of the courts of the country, state, province or territory determined solely by JMLesko.com to resolve any legal matter arising from this agreement or related to your use of JMLesko.com. If the court of law having jurisdiction, rules that any provision of the agreement is invalid, then that provision will be removed from the Terms and the remaining Terms will continue to be valid.
10. Entire Agreement
You understand and agree that the above Terms constitute the entire general agreement between you and JMLesko.com. You may be subject to additional Terms and conditions when you use, purchase or access other services, affiliate services or third-party content or material.
11. Changes to the Terms
JMLesko.com reserves the right to modify these Terms from time to time at our sole discretion and without any notice. Changes to our Terms become effective on the date they are posted and your continued use of JMLesko.com after any changes to Terms will signify your agreement to be bound by them.
To Your Success!
John M Lesko, Certified Financial Educators
Commitment to protect your privacy
What we collect
JM Lesko Financial, LLC or JMLesko.com will collect and hold your personal information for the purpose of:
- Providing you with the relevant product and/or service;
- Letting you know about other products and/or services which might interest you; or
- Assisting us generally in managing your transactions with us.
We may collect the following information:
- Contact information including email address
- Demographic information such as postcode, preferences and interests
- other information relevant to customer surveys and/or offers
What we do with the information we gather
We may keep and file all personal information you provide when dealing with us to assist us in providing you with our services and information of interest in respect of your business. For example, a member of JM Lesko Financial, LLC or JMLesko.com may send publications or other market information on our products and services to you or follow up on your interest in particular products and services. JM Lesko Financial, LLC or JMLesko.com discloses your personal information to those employees or advisers who need to know that information to assist us in providing you with our range of products and services. We may also disclose information to affiliates and other third parties necessary to process your transactions or service your account (including our share registry, print service providers, call centers and mail houses, our accountants, auditors and lawyers and credit reporting agencies).
We may also disclose your personal information in corporate transactions involving the transfer of all or part of the assets or business of a member of JM Lesko Financial, LLC or JMLesko.com or in a corporate restructure. If we do this, we generally require these parties to protect your information in the same way we do. We may also be required or authorized by law to disclose your personal information. For example, we may disclose your personal information to a court in response to a subpoena. We will also disclose information to other persons where you have provided your consent to do so
What rights do you have in relation to personal information which we collect and hold?
JM Lesko Financial, LLC or JMLesko.com takes all reasonable steps to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. If you become aware of any errors in your personal information or you change your personal details, we ask you to contact us as soon as possible so that we may update our records. You can contact our Privacy Officer if you would like details of your personal information which we may hold about you or if you would like us to correct it. We will disclose to you such information, subject to certain exceptions allowed by law. We may require you to complete a request form before disclosing information. We also reserve the right to charge a fee. You may also contact our Privacy Officer to request us to stop using your personal information to contact you about our products and services. If you no longer conduct business with us, you can ask us to remove your personal information we hold about you. Subject to our legal obligations and responsibilities, we will take reasonable steps to destroy or de-identify your personal information.
A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.
Information collected from this website
When you visit a website of JM Lesko Financial, LLC or JMLesko.com, we may collect the following information from you: domain name, your name, information you volunteer such as email addresses. We may also collect statistical data, such as the date and times of visits as well as the number and pages viewed by each visitor, which is utilized to evaluate the performance and usefulness of our website.
While we take care that the personal information you give us on our websites is protected, the Internet is not a secure environment. If you send us information, including your email address, it is sent at your own risk. Our websites do not capture email addresses without your permission. If, however, you provide your email address to us, it may be used by JM Lesko Financial, LLC or JMLesko.com to send you information relating to our and related products and services. If we send you an email which you do not wish to receive in the future, please use the unsubscribe link or follow the unsubscribe instructions at the bottom of that email or notify us and your email address will be removed from our system.
Private information security
JM Lesko Financial, LLC or JMLesko.com takes all reasonable security measures to protect personal information from loss, unauthorized access, destruction, misuse, modification or disclosure. For your safety and protection, your credit card information is not stored on our servers. Our payment gateway provider PayPal keeps this information encrypted and secure on your behalf. We do not, however, accept any responsibility for the unauthorized access of personal information held by JM Lesko Financial, LLC or JMLesko.com. You may be able to access external websites by clicking on links we have provided. Those other websites are not subject to the privacy standards of JM Lesko Financial, LLC or JMLesko.com and we are not responsible for their privacy practices or the content of such other websites. You should contact those websites directly to ascertain their privacy standards, policies and procedures.
3rd party disclosure
Personal details, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without the consent of the customer, other than for the express purpose of delivering the purchased product or service requested by the customer.
Who do you contact?
Our Privacy Officer can be contacted at:
Changes to this privacy statement
We may change our privacy policies from time to time to comply with new laws or industry codes of practice which are developed. It is your responsibility to refer to our privacy policies from time to time to familiarize yourself with any changes.
To Your Success!
John M Lesko, Certified Financial Educator