TERMS OF USE AND PRIVACY STATEMENT FOR THIS WEBSITE

We reserve the right to change this policy at any time.

Card Activation Technologies, Inc (CDVT) is a Delaware Corporation headquartered in Chicago, Illinois that owns proprietary patented transaction technology which covers Gift Cards, Phone Cards and Debit Cards used by thousands of retailers. The management’s mission is to pursue license agreements for its patented technology from the thousands of retailers and if necessary enforce our rights through the court system. An independent appraisal has given the value of the patent through a successful patent enforcement program at $3.7 billion. A study by the Federal Reserve Bank of Philadelphia in March 2007 indicated that prepaid cards accounted for $181.7 billion in transactions in 2006, and is one of the fastest growing payment products.  Prepaid cards are among the newest payment card innovations.  They are distinguished by a pay early model.  The most well known and successful version of this product is retail gift cards. 

TERMS OF USE

Please read this Terms of Use carefully before using this site. By using our site you signify that you agree these Terms of Use . If you do not agree with any of the forgoing Terms of Use , please do not use our site. We reserve the right, in our sole discretion, to modify, alter, and otherwise update this Terms of Use at any time. Should you make use of our website thereafter, you are bound by the latest Terms. Please review these Terms regularly.

QUESTIONS AND ANSWERS REGARDING OUR PRIVACY POLICY, INFORMATION COLLECTION, DISCLOSURE AND MAINTENANCE PRACTICES

Why should you read this policy?

We want you to understand how we collect and use the information that we receive from visitors to our website. This notice explains the kind of information that we collect, how we use it, and when we may disclose it to others.

By registering at our website, contracting with us as a salesperson, becoming and employee of the company, becoming an investor and/or becoming a client of the company you give us permission to collect or use personal information. We may elect to make any material changes in how we plan to use that information. We will notify you, however, of this change and will require beforehand that you give us permission for these new uses.

What is Personal Information?

"Personal information" is information that identifies an individual or allows a person to be located. Examples of personal information include name, home address, e-mail address, telephone number, or social security number.

When do we collect personal information?

We collect personal information when you register on our website, when you contract with us as a salesperson, when you become and employee, when your become an investor, and/or when you become a client of the company. In other places on our website, we may ask you to provide information to become a member, review products, participate in contests and/or surveys, or obtain a catalog or other information.

What kind of information do we collect?

The personal information we request may include name, home and e-mail address, age, gender, and reading preferences, and other information including, without limitation, information about marital status, favorite hobbies, and musical preferences. If you elect to purchase products online by credit card, we will request credit card information to process the order. We also may collect other information sent by you to us by e-mail such as your comments on any aspect of DrMortonWalker.com.

What do we do with the personal information we collect?

We gather, store and archive the information we collect from our website, and we may use the personal information we collect from you for various purposes including: marketing and research analysis; product service and development; promotion and advertising; fulfillment of a requested transaction (i.e. sale of a product, delivery of a catalog, provision of updates); record-keeping; and billing and customizing the website to individual visitors. We also may use the information to develop an individual profile or a profile of certain groups of visitors to and/or users of our website or for contacting you about our products, special promotions, consumer surveys, or new developments on the site. If you do not want to be contacted about new products and promotions, you can let us know at any time. Please refer to the, " Can I delete or edit or update personal information " section.

Do we disclose personal information about you?

If you give us your permission, we may disclose information we collect about you to other third party companies by way of sale, lease or rental agreement. The types of businesses in which such third parties are engaged may include the following: Healthcare Services, Medical insurance, Financial services, Credit card Companies, Banks, health products vitamins, herbs, homeopathic, holistic, alternative and complimentary health products, market analysis and development and advertising.

As with any online purchases we are required, of course, to disclose necessary payment information to payment processors. We also may use third parties to send you the products you purchase, in which case we would provide them with your name, address, and other information necessary to fulfill your order. Agreements with third parties will provide that such third parties will not use or disclose the information for purposes other than those purposes contracted for, and will also require the third parties to maintain the confidentiality, security and integrity of such information.

Disclosure Without Consent - In certain limited circumstances, we may collect and disclose personal information from you without first obtaining your consent. These circumstances are described as follows: To protect the safety of anyone participating on our website, or to comply with laws or legal processes, or to protect the security and integrity of our website. You have the option allow us to collect your personal information for activities on our website, but to not allow us to disclose the information to third parties. To prevent disclosure to third parties, please advise us.

Can you review your personal information?

Yes. You can review personal information you have submitted online.
To review personal information submitted to us, though, it is first necessary for you to provide us with information to verify your identity. In order to access a copy of your information you must first send to us a written request to provide a complete copy of your personal information with your email address. This request should be sent to: mmalet@cardactivationtech.com

Upon receipt of this request we will send you a copy as soon as possible.

Can I delete, edit or update personal information?

Yes. You can delete, edit or update your personal information. To delete any information submitted to us, just e-mail us at mmalet@cardactivationtech.com and advise us that you wish us to delete all or a specified portion of your information. Please be sure to give us your name and email address. To edit your information please go to our website at http://www. cardactivationtech.com and resubmit a newly completed registration form.

Can you revoke your permission for us to collect or disclose personal information about you?

Yes. To revoke the permission you have given us to collect or disclose any personal information about you, just e-mail us at our website at mmalet@cardactivationtech.com. Your permission will result in the deletion of all of your personal information.

What about links to other websites?

We may have links on our website to companies that have different practices regarding the personal information they collect. We are not responsible for the policies and practices of any linked website. You go there at your own risk and choice.

What other information do we automatically collect from your computer?

When you visit our website, our software automatically collects certain information from your computer. The information includes the following:
The unique Internet address assigned to your computer.
The Internet service provider (ISP) you use.
The website you were reviewing before coming to our website.
The browser type and version you use.
The pages on our website you viewed when you visited our website, how long you spent on each page, and certain transactional information such as purchases you made.

What is a Cookie, and how do we use them?

"Cookies" are small pieces of information that our website sends to your computer that is stored on your computer. We use cookies in a number of ways. An example of this is as follows: We place a cookie on your computer when you order an item on our website. The cookie then stores the item number and the quantity. It does not contain any information that personally identifies you. If you complete the order, the cookie is deleted within 24 hours. If you do not complete the order, the cookie is stored for 30 days, so that if you revisit our website within that time, you do not need to re-enter your order.

Can You Refuse To Accept Cookies?

Most browsers can be set to refuse to accept cookies. Doing so will not interfere with your ability to visit our website, but if your browser does not accept cookies, you will not be able to purchase goods from our website.

Will This Policy Change?

We reserve the right to change this policy at any time, and will do so by providing notice of such changes on our home page and make changes in our online forms requesting personal information. If we make any material changes in the way we use or disclose information about you, we will notify you with an email message to you. If you do not wish us to use your personal information, then please go to mmalet@cardactivationtech.com and ask us to delete, edit, update or remove any information that your desire to have changed.

TRADEMARKS, COPYRIGHTS AND RESTRICTIONS

This site is owned, controlled and operated by Card Activation Technologies, Inc. All material on this site, including but not limited to images, photographs, characters, names, graphics, logos, illustrations, audio works, video works, audiovisual works, music, text, and trademarks, is protected by worldwide intellectual property rights which are owned and/or controlled by Card Activation Technologies, Inc, Inc., or possible by other parties who may have licensed their material to Card Activation Technologies, Inc USA, Inc. You may use material from this site only for your own personal, non-commercial use, without modification. No material from this site may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. The use of such material on any other website or any networked computer environment prohibited.

DISCLAIMER

The materials in this website are provided "as is" and without warranty of any kind either express or implied. To the fullest extent permissible pursuant to applicable law, Card Activation Technologies, Inc, Inc., disclaims all warranties, express or implied, including but not limited to, implied warranties of merchantability and fitness for a particular purpose. Card Activation Technologies, Inc., does not warrant that the functions contained in materials will be uninterrupted or error-free, that defects will be corrected, or that Card Activation Technologies, Inc., or the server that makes them available are free of viruses or of harmful components. Card Activation Technologies, Inc., does not warrant or make any representations regarding the use or the results of the use of the materials in the Card Activation Technologies, Inc., website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Card Activation Technologies, Inc.) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you. The material that you read in the Card Activation Technologies, Inc., website is provided solely for informational and promotional purposes.

The information and opinions expressed in bulletin boards, chat rooms, or other forums conducted on this site are not necessarily those of Card Activation Technologies, Inc., its affiliated or related entities or content providers, and Card Activation Technologies, Inc., makes no representations or warranties regarding that information or those opinions. Furthermore, neither Card Activation Technologies, Inc., nor its affiliated or related entities or its content providers are responsible or liable to any person or entity whatsoever (including without limitation, persons who may use or rely on such data/materials or to whom such data/materials may be furnished) for any loss, damage (whether actual, consequential, punitive or otherwise), injury, claim, liability or other claim of any kind or character whatsoever based upon or resulting from any information or opinions provided on the website.

E-MAIL, BULLETIN BOARDS, AND OTHER SUBMISSIONS

Any notes, messages, e-mails, billboard postings, ideas, suggestions, concepts or other material submitted to us will become the property of Card Activation Technologies, Inc. throughout the universe and Card Activation Technologies, Inc., shall be entitled to use the material for any type of use forever including in any media whether now known or hereafter devised. When you submit material to the Card Activation Technologies, Inc., website, you agree that Card Activation Technologies, Inc., has the right to publish the material for any type of use, including promotional and advertising purposes.

Card Activation Technologies, Inc., is not responsible for any material posted on our forums. Card Activation Technologies, Inc., reserves the right to edit or delete materials submitted to the forums, but does not assume any obligation to do so. You agree that you will not submit or otherwise publish through our forums any content which: (a) libels, defames, invades privacy, or is obscene, pornographic, abusive, or threatening; (b) infringes any intellectual property or other right of any entity or person, including, but not limited to violating anyone's copyrights or trademarks; (c) violates any law: (d) advocates illegal activity;
or (e) advertises or otherwise solicits funds or is a solicitation for goods or services.

You agree to indemnify Card Activation Technologies, Inc., and its officers, directors, employees, agents, distributors and affiliates from and against any and all third party claims, demands, liabilities, costs, or expenses, including reasonable attorney's fees, resulting from your breach of any of the agreements, representations, and warranties set forth in this Terms of Use.

JURISDICTIONAL ISSUES

This site is controlled and operated by Card Activation Technologies, Inc., from its offices within the Illinois, United States of America. Card Activation Technologies, Inc., makes no representation that material in the Card Activation Technologies, Inc., website is appropriate or available for use in any other country or location. Those 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.

This agreement shall be governed by, construed and enforced in accordance with the laws of the Illinois, United States of America as it is applied to agreements entered into or to be performed entirely within such State. Any action that you, any third party, or Card Activation Technologies, Inc., brings to enforce this agreement or in connection with any matters related to this site shall be brought in either the state or federal court located in Chicago, Illinois, and you expressly consent to the personal jurisdiction of said courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein and shall not be modified except mutually in writing or by any binding electronic transaction.

QUESTIONS

If you have any questions about this policy or about how personal information collected on our website is used, you can contact us by e-mail at mmalet@cardactivationstech.com, or by regular U.S. mail at:

Card Activation Technologies, Inc.
1767 53 West Jackson Suite 1616,
Chicago, Illinois 60604

You should know that there are other companies in our group who collect and maintain some of the personal information provided. These other companies are: Webstream Internet Solutions, Inc.

Use of this Web site constitutes acceptance of the Terms of Use .

Web Site Development by Webstream Internet Solutions