1. Applicability of Privacy Policy and Privacy Policy Statement

THIS PRIVACY POLICY APPLIES SOLELY TO THE PERSONALLY IDENTIFIABLE INFORMATION YOU PROVIDE WHILE VISITING THE KAREN OWINGS WORLD WIDE WEB PAGES (THE "KAREN OWINGS SITE"). THE TERMS OF THIS PRIVACY POLICY DO NOT GOVERN PERSONALLY IDENTIFIABLE INFORMATION FURNISHED THROUGH ANY MEANS OTHER THAN THE KAREN OWINGS SITE (SUCH AS BY TELEPHONE OR VIA THE MAIL).

Karen Owings recognizes the importance of protecting the privacy of our visitors to the Karen Owings Site while permitting us to conduct legitimate business by providing services and information of interest to them. By disclosing personally identifiable information to us, you agree to the terms stated herein.

2. Collection and Storage of Information
We will collect certain personal information when you participate in a survey, contact us with questions or offer feedback on the Karen Owings Site. In connection with such activities, you may be asked to provide your name, mailing address, telephone number and email address. We may maintain this information in our computer system.

At the present time, we do not collect any personally identifiable information from children or from individuals who could be recognized as minors. If we do so in the future, we will comply with the requirements of the Children's Online Privacy Protection Act.

We may use "cookies" to recognize you and your access privileges on the Karen Owings Site, as well as to trace usage of the Karen Owings Site. A cookie is a piece of information that is sent to your Web browser from a Website and stored on your computer's hard drive. Each time you return to the Karen Owings Site, we are able to identify you as a previous or registered visitor. Cookies also enable us to measure the Karen Owings Site traffic, including the number of repeat versus new visitors, the time users spend online, and their navigation behavior. Collecting this information allows us to make changes that improve the Karen Owings Site.

3. Use of Information
The information that we collect is used to contact you in the event follow-up communications are necessary, to analyze the survey results, to verify the statistical accuracy of the survey, to notify you of offers and services, to improve the Karen Owings Site, for development of new products and services, and for systems administration and troubleshooting purposes. Sometimes we hire companies to help us analyze the survey results and to mail interested parties offers and information on products and services. In those instances, we need to share your information with them. These companies will be authorized to use the information in the same manner in which we have been authorized. In rare instances, we will disclose personally identifiable information to necessary parties to protect the Karen Owings Site or visitors to the Karen Owings Site, or to enforce compliance with our Terms and Conditions of Use.

We may share personally identifiable information within the Karen Owings family of companies. You will be offered the option to not have your personally identifiable information shared with parties outside the Karen Owings family of companies. Information concerning individuals' usage of the Karen Owings Sites will not be disclosed to third parties except in an aggregate form (e.g., "45% of the visitors to the Karen Owings Site are repeat visitors").

Please be aware that if you disclose personally identifiable information on Website message boards or chat areas, that information may be collected and used by third parties without our knowledge and may result in unsolicited communications from third parties. Such activities are beyond the control of Karen Owings.

4. Security of Private Information
We would like to be able to assure you that the information provided is absolutely safe. Unfortunately, several well-publicized instances of computer security breaches make it impossible to be so confident. We will take reasonable steps to protect the information you provide us from theft, alteration or unauthorized inspection.

5. Your Rights
All personally identifiable information you provide to us is on a voluntary basis. If you do not wish to reveal such information, you are free simply to ignore these offerings.

You may review and approve the information about you collected while visiting the Karen Owings Site by contacting h2ohome3@yahoo.com. Upon your request, we will correct personal information that you state is erroneous or remove any information from our computer system. Requests for the correction or removal of information should be directed to h2ohome3@yahoo.com.

6. Inquiries Concerning Privacy Policy
Questions regarding this Privacy Policy should be directed to Karen Owings at h2ohome3@yahoo.com.

7. Links to Other Sites
The Karen Owings Site may contain links to other Web sites that are not under our control. Such other sites do not necessarily follow this Privacy Policy, and may place their own cookies on your computer. We do not control cookies placed on your computer by third parties.

8. Modification of This Privacy Policy
Our practices may change periodically, so please check back here from time to time to review our current Privacy Policy.