Disclaimer, Warranty, Return Policy, Security Statement, Privacy Policy, and Web Site Use Agreement Disclaimer

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This Web site is a compilation of information, perspectives, and opinions and is provided to the reader with no warranty whatsoever.

Therefore, be warned that you must exercise your own judgment in evaluating the accuracy, applicability, and utility of the information provided herein.

Subscription Refund Policy

Electronic subscription licenses are treated like software licenses. Thus, as disclosed in our Terms and Policies agreement, we do not offer returns for electronic subscriptions because of the high incidence of piracy and copyright abuse. Thus, in order for you to see a fair preview of what we have to offer, severla free articles as well as excerpts / abstracts of all members-only articles (those designated by "M" can be viewed by attempting to clicking on the article link (Example: M Deeper Into Planetary Flux). Consequently, please be sure to review site content to make sure that you feel that site membership is worth the subscription fee.

Subscriptions are provided primarily for access to premium content. Subscriber (Premium Member) discounts on items in our online store are provided as a benefit to subscribers. Subscription refunds will not be made to customers who only want them temporarily so they can "get the discount".

Access to Docweather.com is available using any current, free, browser software, on Windows, Linux, and Mac platforms. Inability to access Docweather.com because of failure to upgrade current browser software to what is freely available does not constitute grounds for a subscription refund.

Fraud Management Policies

Docweather.com uses fraud detection software in its e-commerce platform (2Checkout.com) that automatically flags suspect transactions. Every transaction is assigned a fraud potential score based on the following criteria:

• An AVS match of the cardholder's billing address and zip code;
• A CSC/CVC match against the credit card;
• A transaction history of the user that flags multiple declined credit card transaction attempts with incorrect credit card numbers;
• High quantity line item orders;
• High total dollar orders;
• Order history and frequency;
• Mismatched billing and shipping addresses;
• International orders;
• Open or closed proxy server access to our Website;
• Client IP location resolution vs. the cardholder billing city and zip;
• Known countries with a high incidence of fraud (e.g., Indonesia, Nigeria, Eastern Europe), as well as known postal codes within all countries from which a high incidence of fraud is known to originate (based on U.S. fraud tracking databases).

If one of the above criteria do not match (especially the AVS/CSC/CVC), and/or the fraud score indicates a high potential for fraud, we may contact you by telephone (this is why a valid telephone number is required for all orders) for the purpose of:

1. Confirming your cardholder billing information and CSC/CVC codes, or to ask you other questions about your order;
2. Asking for the name and telephone number of the issuing bank of your credit card so we can call them and confirm the authenticity of the transaction.

What do we do when we suspect a fraudulent trasaction?

If we fail to contact you because you left an invalid phone number, or we were unable to confirm transaction authenticity with the issuing bank, your order will not be dispatched.

If we receive a "Notice of Fraudulent Transaction" or a "Chargeback Request" (related to a suspected fraudulent trasaction) from our transaction processor, we work with the transaction processor to ensure that the true cardholder is reimbursed within 24 hours by reversing their transaction. Second, we automatically file a "Report of Suspected Credit Card Fraud" with the local law enforcement intelligence jurisdictions (including local and state authorities) for the following localities: cardholder billing address (if known), shipping address of order, and claimed billing address of order. In addition, we file these reports with our transaction processor (Merchant Service Bank) and the Federal Bureau of Investigation (FBI) Internet Fraud Division. For transactions originating from both open and closed proxies with international Client IP Addresses, or international shipping addresses, we submit the reports to the appropriate government law enforcement authorities.

Security Statement

In order to protect your information, Docweather.com uses a secure Billing service (2Checkout.com) to process your subscription. Once you enter their site, you are on a secure server and none of your information is ever transimtted unsecured. Please be assured that we take security very seriously and are committed to providing you with a safe and reliable environment for e-commerce.

Privacy Policy

Your personal information is never - under any circumstances - released to third parties. Period. Simple enough?

Our Commitment to Privacy

The Policy is designed to assist you in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and our products and services.

What Information Do We Collect?

When you visit our site you may provide us with two types of information: personal information you actively choose to disclose (ÒActive InformationÓ), and use information collected, in a way not visible to you, on an aggregate anonymous basis as you and others browse our site (ÒPassive InformationÓ).

Active Information You Choose to Provide

You are free to browse the site without disclosing personal information to us. In order to gain use of some sections of the site and gain access to premium content (i.e., become a ÒuserÓ), we may require you to disclose the following information: first and last name, company name, job title, mailing address, email address, daytime telephone number, and keywords that best describe your profession.

If you choose to post information on our site or maintain email, snail mail or telephone contact with us, we may retain such information also.

Passive Information Collected

Our site utilizes a standard technology called ÒcookiesÓ to collect information about how our site is used. Passive Information gathered may include the date and time of visits, the site pages viewed, time spent at our site, the sites visited just before and just after our site. Passive Information is collected on an aggregate basis without any association to your personal information so that you remain anonymous. This site uses ÒtemporaryÓ cookies that are removed from your computer immediately after you leave the site. We only use Òuser cookiesÓ stored on your hard disk and used to allow you to remain logged in on subsequent visits. If you do not wish to transmit ÒcookieÓ information about yourself, you may turn off the cookie function in your web browser.

Some of the passive information that we collect includes domain names, IP addresses, page visit statistics, and session variables.

What is a Cookie?

Cookies are a feature of web browser software (Internet Explorer, Netscape Navigator, etc.) that allows web servers to recognize the computer used to access a site. They are small pieces of data that are stored by a userÕs web browser on one site and can simplify subsequent interactions with that site by the same user or to use the information to streamline the userÕs transaction on related web pages. This makes it easier for a user to move from site to site and to complete transactions over the Internet. Cookies should make your online experience easier and more personalized.

How Do We Use the Information Collected?

Broadly speaking, persons we employ directly, or as contractors or agents at our direction, use Active Information for purposes of administering our business activities, providing customer services such as support, and making available other products or services we think may be of interest to our users. We may use the Active Information or Passive Information you provide to us to contact you about changes to our site, new services, features or products we offer, or other information we think you shall find valuable. If at any time you do not wish to receive such information, please use the account managment feature to unsubscribe from the e-newsletter.

We use Passive Information to gather information about our users and to enhance and design our site to make it easier, faster and friendlier to use. Additionally, cookies help us know information about how many people visit our site, when they visit and how they use our service. We do not connect any of this information to your personal information or email address. However, Passive Information may result in your viewing of particular content based on your user habits for your viewing on our site.

Your Information In Relation to Others We Link To

You may be able to access other websites through our site. When you do so you are doing so subject to their policies regarding privacy and data collection and you should read those sitesÕ privacy policies to make sure you agree to them before using such sites. When you choose to shop at such sites, you should read their privacy policies to make sure you agree to them before making purchases.

Sharing Information with Advertisers or Other Third Parties

We may disclose anonymous information about user habits, characteristics and user patterns, based on aggregate user statistics to third parties, including manufacturers submitting product reviews, sponsors for our donation and grant programs, or the press. We do NOT sell or otherwise share your personal information with direct marketing companies or brokers.

Sharing Information with the Government or As Otherwise Required by Law

We may be required by law or government agency to disclose both Active and Passive Information you have provided to us.

How Do We Secure Active Information and Passive Information?

We secure your personal information submitted by you by using reasonable efforts to prevent unauthorized access or disclosure, or accidental loss or destruction of Active Information and Passive Information. Your postings on this site and other communications you may have with us via email or snail mail may not be secure unless we advise you that security measures are in place prior to your sending information. Therefore, if you choose to communicate with us through these means, you are assuming the risk of doing so and we request that you do not send or post sensitive information through these means.

How You Can Choose Not to Receive Information About Products or Services By Us, or to Correct, Delete or Access Your Information

If you desire not to receive information about products or services we think may be of interest to you or if you wish to access, or correct your information, please use the account management feature to do so.

We reserve the right to revise this policy at our discretion. Please check back on this site as this policy may be revised from time to time without notice to you.