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PRIVACY

Safe harbor and online Users Privacy Policy Business Concepts Consulting,Inc


1. Purpose
Business Concepts Consulting, Inc. has created the following Privacy Policy (a) to comply with the United States Safe Harbor, (b) to facilitate the exchange of information between Business Concepts Consulting, Inc.'s offices located in the United States, in the European Union, and in other jurisdictions, and (c) to govern information Business Concepts Consulting, Inc. generally receives through this Web Site. The scope and terms of this Privacy Policy are set out below.

2. Your Agreement
Your use of this Website, or submission of information via this Website, constitutes your agreement to the terms of this Privacy Policy. Please review these terms to ensure they are acceptable. In addition, please also review our Terms of Use, located at http://www.BusinessConceptsConsulting.com to ensure they are similarly acceptable.

3. Definitions.
Capitalized terms used in this Privacy Policy have the meanings set forth in Section 21 (Defined Terms).

4. Safe Harbor Certification.
Business Concepts Consulting US has adopted (i) this Safe Harbor and Online Users Privacy Policy and (ii) a separate Business Concepts Consulting US-EU Employee Privacy Policy in order to participate in the US Safe Harbor.Business Concepts Consulting US certifies with the U.S. Department of Commerce that these Privacy Policies comply with the Safe Harbor and provide the adequate protections specified in the Data Protection Directive.

 Scope of Privacy Policy

5.A. Application to Business Concepts Consulting US and Business Concepts Consulting Affiliates in the US.
This Privacy Policy governs Personal Data Collection Practices of Business Concepts Consulting US with respect to Personal Data that Business Concepts Consulting US and US Affiliates receive from Safe Harbor and Online Privacy Policy Data Subjects. This Privacy Policy does not apply to any other data subjects. 

5.B. No Application to Business Concepts Consulting Employees; Employee Personal Data Protection.
This Privacy Policy does not set out the Personal Data Protection Practices of Business Concepts Consulting US and Business Concepts Consulting Affiliates with respect to Business Concepts Consulting Employees, and this Privacy Policy does not cover Business Concepts Consulting Employees.

6. Site Visitors
Information which Business Concepts Consulting US may receive concerning Site Visitors using the Business Concepts Consulting Web Site falls into two broad categories: Aggregate Information (defined below in Section 6.A) and Personal Data. This Section sets out the Personal Data Protection Practices applicable to Site Visitors.

6.A. Aggregate Information from Site Visitors
"Aggregate Information" is information that does not identify a Site Visitor, and may include, for example, statistical information concerning the web pages on the Business Concepts Consulting Web Site that users most frequent. Aggregate Information may be collected through cookies and similar Internet technologies. "Cookies" are small text files that a website can use to recognize repeat users, to facilitate the user's ongoing access to and use of the site, and to compile aggregate data to improve the website and focus advertising. If Business Concepts Consulting US uses cookies or other similar Internet technologies on the  Business Concepts Consulting Website, these technologies will not collect or retain the Site Visitor's name or other Personal Data. In addition, no third parties are permitted to use for their own purposes cookies Business Concepts Consulting US may create at the Business Concepts Consulting Web- site. With Aggregate Information, Business Concepts Consulting US may undertake or commission statistical and other summary analyses of Site Visitor behavior and characteristics when visiting the Business Concepts Consulting Website. Although Business Concepts Consulting US may share this aggregate information with third parties, no aggregate information Business Concepts Consulting US provides to third parties will allow such third parties to identify a Site Visitor, or determine anything personal about the Site Visitor.

6.B. Personal Data from Site Visitors
 Business Concepts Consulting US may receive Personal Data from Site Visitors who use the Business Concepts Consulting Website, where applicable, (i) to submit questions or comments to Business Concepts Consulting US, (ii) to request information about products or services offered by Business Concepts Consulting US or Business Concepts Consulting Affiliates, or (iii) to employ other features that may be available on the Website which call for submission of Personal Data. Business Concepts Consulting US uses Personal Data which Site Visitors submit through the Business Concepts Consulting Website (a) to respond to the Site Visitor (although  Business Concepts Consulting US in this Privacy Policy undertakes no obligation to respond to any Site Visitor), and (b) to provide the services or products requested by the Site Visitor, where the requested services or products are, in fact, offered by Business Concepts Consulting US and are in accordance with Business Concepts Consulting US's standard business procedures.

6.C. Further Uses
Business Concepts Consulting US and US Affiliates may wish to use a Site Visitor's Personal Information for purposes which are in addition to those specified in Section 6.B (Personal Data from Site Visitors) and which do not involve disclosures beyond those permitted in Section 12 (Onward Disclosures). If Business Concepts Consulting US uses a Site Visitor's Personal Data for these additional Business Concepts Consulting-related purposes, such as for contacting the Site Visitor independent of an inquiry from the Site Visitor, the Site Visitor shall be entitled to opt-out of such additional uses in accordance with Section 11 (Choice and Opt-Out Rights).

6.D. Disclosure.
Business Concepts Consulting US will not disclose Personal Data received from Site Visitors except in accordance with Section 12 (Onward Disclosures).

7. Employment Applicants
The Business Concepts Consulting Website allows Employment Applicants to submit employment applications to  Business Concepts Consulting US and to Business Concepts Consulting Affiliates. In addition, Business Concepts Consulting US and US Affiliates may receive from EU Affiliates information concerning EU Employment Applicants. Applications submitted by Employment Applicants will include Personal Data. This Section provides Business Concepts Consulting US's Personal Data Protection Practices with respect to such Personal Data.

7.A. Use of Employment Applicants' Personal Data Business Concepts Consulting US uses Personal Data it receives from Employment Applicants (i) to process the Applicants' applications, (ii) to contact references which may be identified in such applications, (iii) to collect and compile additional information concerning the Applicant from available sources, consistent with applicable law, and (iv) to evaluate the Employment Applicant's candidacy for employment.

7.B. Further Uses
Business Concepts Consulting US and US Affiliates may wish to use an Employment Applicant's Personal Data for purposes which are in addition to those specified in Section 7.A (Use of Employment Applicant's Personal Data) and which do not involve disclosures beyond those permitted in Section 12 (Onward Disclosures). If Business Concepts Consulting US uses an Employment Applicant's Personal Data for these additional Business Concepts Consulting-related purposes, such as for contacting the Employment Applicant independent of the employment application process, the Employment Applicant shall be entitled to opt-out of such additional uses in accordance with Section 11 (Choice and Opt-Out Rights).

7.C. Disclosure
Business Concepts Consulting US will not disclose Personal Data received from an Employment Applicant except in accordance with Section 12 (Onward Disclosures). If the Employment Applicant seeks employment with a Business Concepts Consulting Affiliate,Business Concepts Consulting US will provide relevant information concerning the Employment Applicant, including Personal Data, to such Business Concepts Consulting Affiliate, subject to Section 12 (Onward Disclosures).

7.D. Sensitive Data.
 Business Concepts Consulting US and Business Concepts Consulting Affiliates do not request Sensitive Data from Employment Applicants, except as expressly permitted under the local laws and regulations of the applicable jurisdiction. In the event an Employment Applicant submits Sensitive Data, Business Concepts Consulting US will handle such Sensitive Data in accordance with Section 10 (Sensitive Data).

7.E. No Obligation to Consider Application.
Due to the nature of the Internet and the structure of the Business Concepts Consulting Website,Business Concepts Consulting US may receive (i) substantially more applications through the Business Concepts ConsultingWebsite than Business Concepts Consulting US wishes to review, (ii) applications which do not meet the requirements for positions that are available, and (iii) applications at points where no positions are currently available. Accordingly, there is no assurance that Business Concepts Consulting US will process or review materials which Employment Applicants submit seeking employment with Business Concepts Consulting US or any of its Affiliates, and Business Concepts Consulting US expressly disclaims any obligation to engage in such processing or review, and disclaims any obligation to respond to any Employment Applicant submissions.

8. EU Business Contacts
Business Concepts Consulting US may receive or collect Personal Data with respect to EU Business Contacts, directly or through an EU Affiliate.

8.A.Use of Personal Data from EU Business Contacts
Business Concepts Consulting US uses Personal Data from EU Business Contacts (i) to perform and enforce applicable contractual obligations with an EU Business Contact, (ii) to evaluate an existing or prospective relationship with such EU Business Contact, including a possible merger or acquisition, (iii) to perform services or provide goods requested by the EU Business Contract; and (iv) to solicit business from or present business opportunities to the EU Business Contact.

8.B. Disclosure
Business Concepts Consulting US will not disclose Personal Data received from EU Business Contacts except in accordance with Section 12 (Onward Disclosures).

8.C. Business Card Information
Business Card Information (as defined below) is customarily freely exchanged, and generally does not qualify as Personal Data because it is publicly available, as set out in Section 21.15. Accordingly, Business Card Information is treated differently than Personal Data under this Privacy Policy, as set out below:

8.D. Business Card Information
Except in the case of merger or acquisition candidates and in other circumstances where additional information is advisable, in its uses of information from EU Business Contacts Business Concepts Consulting US and US Affiliates generally employ only that Personal Data (i) which identifies individual decision-makers at the relevant EU Business Contact, and (ii) which consists of such individual's business address, business email, and business telephone number (collectively "Business Card Information").

8.E. Disclosing Business Card Information In Connection With Third Party Business Opportunities.
Business Concepts Consulting US and US Affiliates provide Business Card Information from EU Business Contracts to unaffiliated third parties where Business Concepts Consulting US and US Affiliates believe a business opportunity or another relevant opportunity is presented.

9. EU Consumers
Business Concepts Consulting US may receive from its EU Affiliates Personal Data concerning EU Consumers. If Business Concepts Consulting US obtains Personal Data from EU Consumers, Business Concepts Consulting US shall use such Personal Data (i) to assist the EU Affiliate in providing goods and services to EU Consumers, and (ii) to respond to inquiries from EU Consumers.

9.1. Further Uses
Business Concepts Consulting US and US Affiliates may wish to use an EU Consumer's Personal Information for purposes which are in addition to those specified in this Section 9 (EU Consumers) and which do not involve disclosures beyond those permitted in Section 12 (Onward Disclosures). If Business Concepts Consulting US uses an EU Consumer's Personal Data for these additional Business Concepts Consulting-related purposes, such as for contacting the EU Consumer independent of an inquiry from the EU Consumer, the EU Consumer shall be entitled to opt-out of such additional uses in accordance with Section 11 (Choice and Opt-Out Rights).

9.2. Disclosure
Business Concepts Consulting US will not disclose Personal Data it receives from EU Consumers except in accordance with Section 12 (Onward Disclosures). 

10. Sensitive Data
This Section provides Business Concepts Consulting US's and US Affiliates' Personal Data Protection Practices regarding Sensitive Data.

10.1. Compliance with Law
 Business Concepts Consulting US and Business Concepts Consulting Affiliates comply with laws and regulations applicable to Sensitive Data in their respective jurisdictions and do not collect or request Sensitive Data except in accordance with such laws and regulations.

10.2. Additional Protections for Sensitive Data.
If Business Concepts Consulting US or US Affiliates receive Sensitive Data concerning an EU Data Subject,Business Concepts Consulting US and US Affiliates will not disclose such Sensitive Data to any third party and will not use the Sensitive Data for any purpose other than (i) for the purpose for which it was originally provided by the EU Data Subject or (ii) for a later purpose expressly authorized or consented to by the EU Data Subject, except as provided below in Section 10.C (Exception from Consent Requirement for Certain Disclosures).

10.3. Exception from Consent Requirement for Certain Disclosures.
In accordance with the Data Protection Directive, and notwithstanding the requirements of Section 10.B (Additional Protections for Sensitive Data),Business Concepts Consulting US and US Affiliates shall be entitled to use or disclose Sensitive Data (as well as Personal Data) where such disclosure or use: (i) is in the vital interests of the Data Subject or another person, (ii) is necessary for the establishment of legal claims or defenses, (iii) is required to provide medical care or diagnosis, (iv) is necessary to carry out Business Concepts Consulting US's or a Business Concepts Consulting Affiliate's obligations in the field of employment law, or (v) is related to data manifestly made public by the Data Subject.

11. Choice and Opt-Out Rights
Business Concepts Consulting US and US Affiliates will use the Personal Data of a Safe Harbor and Online Privacy Policy Data Subject for the purposes specified in Section 6 (Site Visitors), Section 7 (Employment Applicants), Section 8 (EU Business Contacts), and Section 9 (EU Consumers), above (collectively, "Original Purposes"). Business Concepts Consulting US or US Affiliates may wish periodically to use such Personal Data for purposes other than the Original Purposes, including for purposes of providing the Data Subjects with direct marketing and other information. Information provided to a Data Subject for such purposes is referred to collectively as "Direct Marketing Information."

11.A. Opt-Out Notice
If a Safe Harbor and Online Privacy Policy Data Subject does not want to receive Direct Marketing Information from Business Concepts Consulting US, the Data Subject shall complete and execute the attached Opt Out Notice for Direct Marketing and mail it to Business Concepts Consulting US at the address indicated on the notice.

11.B. Response
If Business Concepts Consulting US receives an Opt Out Notice for Direct Marketing from a Safe Harbor and Online Privacy Policy Data Subject,Business Concepts Consulting US and US Affiliates will restrict their uses of the Data Subject's Personal Data to the Original Purposes, or such other purposes as the Data Subject may authorize, subject to the Data Subject's rights under Section 14 (Rights to Access, Change, or Delete Personal Data). Business Concepts Consulting US shall be entitled to a reasonable period of time to process a Safe Harbor and Online Privacy Policy Data Subject's request under this Section 11 (Choice and Opt-Out Rights).

12. Onward Disclosures
 Business Concepts Consulting US discloses Personal Data of Safe Harbor and Online Privacy Policy Data Subjects only to its employees who have a reasonable "need to know" such Personal Data, and such employees are under obligations of confidentiality to Business Concepts Consulting US.Business Concepts Consulting US will not disclose the Personal Data of Safe Harbor and Online Privacy Policy Data Subjects to anyone other than such reasonable "need to know" employees, except as provided below in this Section 12 (Onward Disclosures), in Section 8.D. (Disclosing Business Card Information In Connection With Third Party Business Opportunities), and in Section 18 (Assignment).

2.A. US Affiliates
Business Concepts Consulting US requires each US Affiliate to comply with this Privacy Policy and Business Concepts Consulting US's Safe Harbor certification is designed to include US Affiliates. Accordingly, Personal Data covered by this Privacy Policy is disclosed to US Affiliates, subject to the terms of this Privacy Policy. Similar to Business Concepts Consulting US, a US Affiliate discloses Personal Data of Safe Harbor and Online Privacy Policy Data Subjects only to those of its employees who have a reasonable "need to know" such Personal Data, and such employees are under obligations of confidentiality to the applicable US Affiliate. US Affiliates will not disclose the Personal Data of Safe Harbor and Online Privacy Policy Data Subjects to anyone other than such reasonable "need to know" employees, except as provided below in this Section 12 (Onward Disclosures), in Section 8.D. (Disclosing Business Card Information In Connection With Third Party Business Opportunities), and in Section 18 (Assignment).

12.B. Business Concepts Consulting Agents
 Business Concepts Consulting US and US Affiliates may disclose Personal Data of Safe Harbor and Online Privacy Policy Data Subjects (i) to a third party that is acting as Business Concepts Consulting US's agent to perform tasks on Business Concepts Consulting US's behalf and under Business Concepts Consulting US's supervision, including but not limited to its Worldwide Affiliates, and (ii) to a third party that is acting as a US Affiliate's agent to perform tasks on the Affiliate's behalf and under its supervision, including but not limited to its Worldwide Affiliates, provided the third party either (a) subscribes to the Safe Harbor principles or is subject to the Data Protection Directive or another personal data protection adequacy finding of the EU or (b) agrees (1) to provide auditable protections for the Safe Harbor and Online Privacy Policy Data Subject's privacy interests that are no less protective than those set out in this Privacy Policy, and (2) to use the Personal Data only for the purposes for which the third party has been engaged by Business Concepts Consulting US or the US Affiliate.

12.C. Other Third Parties
Except as provided in Section 10.C (Exception for Consent Requirement for Certain Disclosures), Business Concepts Consulting US and US Affiliates will not disclose Personal Data to Safe Harbor and Online Privacy Policy Data Subjects to any third party other than one identified in this Section 12 (Onward Disclosures) without the express consent of the Data Subject.

13. Confidentiality and Security Of Personal Data.
 Business Concepts Consulting US and US Affiliates maintain physical, electronic and procedural safe-guards designed to secure Personal Data of Safe Harbor and Online Privacy Policy Data Subjects, and to prevent unauthorized access. These technical security systems are structured to deter and prevent hackers and others from accessing Personal Data of Safe Harbor and Online Privacy Policy Data Subjects.

13.1. Limitations on Technical Protections
Due to evolving technologies,Business Concepts Consulting US and US Affiliates cannot provide assurance that Personal Data provided will remain free from loss, misuse, or alteration through third parties who, despite Business Concepts Consulting US's efforts, obtain unauthorized access.

13.2. Employee Education
Employees of Business Concepts Consulting US and US Affiliates with access to Personal Data concerning Safe Harbor and Online Privacy Policy Data Subjects are educated concerning Business Concepts Consulting's applicable Personal Data Protection Practices, and employees who violate these Practices are subject to disciplinary process.

14. Right To Access, Change, or Delete Personal Data
Upon reasonable request (with the term "reasonable" to be interpreted in accordance with FAQ 8 of the Safe Harbor), and to the extent the request does not compromise its Personal Data Protection Practices, Business Concepts Consulting US allows Safe Harbor and Online Privacy Policy Data Subjects access to their Personal Data to correct, amend or delete such Data.

14.1. Requests
All requests under this Section 14 (Right to Access, Change, or Delete Personal Data) must be sent in writing to the address specified below in Section 20 (Complaints, Questions, and Requests).

14.2. Timing of Response
Business Concepts Consulting US endeavors to timely respond to proper requests for access and changes or deletions under this under this Section 14 (Right to Access, Change, or Delete Personal Data). Any questions or inquiries concerning the timing of Business Concepts Consulting US's response should be directed to the address specified below in Section 20 (Complaints, Questions, and Requests).

14.3. Conditions
 Business Concepts Consulting US reserves (i) the right, where permitted by law or other legal authority, to charge a reasonable fee to cover the costs incurred in responding to an appropriate request, and (ii) reserves the right to delete such information (and certify to the Data Subject such deletion), rather than correct or update this information where the information retains limited utility.

14.4. Extent of Data Deletions
Upon fulfilling a requested deletion of Personal Data under this Section 14 (Right to Access, Change, or Delete Personal Data),  Business Concepts Consulting US and US Affiliates will cease to use such Data and will use commercially reasonable efforts to remove all record of such Data; however, it may be impossible to delete the information completely from applicable Business Concepts Consulting databases, due to backups and records of deletions.

15. Privacy Protection For Children
The Business Concepts Consulting Website is not directed at children, and Business Concepts Consulting US will not accept or request Personal Data from individuals Business Concepts Consulting US knows to be under 13. In accordance with the Children's Online Privacy Protection Act of 1998, if Business Concepts Consulting US learns that a child under 13 has provided Personal Data, Business Concepts Consulting US will delete this information from its databases, in accordance with its deletion policy, set out in Section 14 (Right to Access, Change, or Delete Personal Data). For more information regarding a child under the age of 13 providing personal information to a website, see the Federal Trade Commission's website explaining the Children's Online Privacy Protection Act of 1998 at http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/.

16. Exceptions
As further provided in Section 10.C. (Exception for Consent Requirement for Certain Disclosures),Business Concepts Consulting US and US Affiliates may disclose Personal Data as may be required in legal proceedings, or in response to a subpoena, court order, or administrative order compelling disclosure. In addition, in cases involving a threat of imminent harm to a Data Subject or to others,Business Concepts Consulting US and US Affiliates may release such Personal Data to prevent or mitigate the threat. In any such case,Business Concepts Consulting US and US Affiliates will seek to limit the scope of the disclosure, and will disclose only such Data as is reasonably required to fulfill the purpose of the disclosure.

17. Changes to This Privacy Policy.
The Personal Data Protection Practices defined in this Privacy Policy are current as of July 2012.Business Concepts Consulting US reserves the right to change this Privacy Policy from time to time consistent with applicable privacy laws and principles. Unless such changes afford greater protections to the privacy interests of Safe Harbor and Online Privacy Policy Data Subjects, such changes will apply only to Personal Data received after the effective date of such change. Safe Harbor and Online Privacy Policy Data Subjects should refer to this Privacy Policy for information concerning such changes. Where Business Concepts Consulting US deems appropriate, other forms of notice will be given concerning such changes.

18. Assignment.
Business Concepts Consulting US and US Affiliates shall be entitled to assign or transfer to a third party Personal Data that Business Concepts Consulting US receives under this Privacy Policy, in connection with the sale or transfer of all or an applicable portion of its business or assets or those of a US Affiliate; provided such third party agrees before receipt of such Data to comply with restrictions on the use of such Data that are no less protective of the privacy interests of Safe Harbor and Online Privacy Policy Data Subjects than those set out in this Privacy Policy.

19. Choice Of Law And Jurisdiction.
This Privacy Policy shall be construed in accordance with the laws of the State of Missouri, without regard to any conflict of law provisions. Any dispute arising under this Privacy Policy shall be resolved exclusively by the state or federal courts sitting in Jackson County, Missouri, with the exception of those disputes for which the Data Protection Directive requires resolution in an alternative forum or jurisdiction.

20. Complaints, Questions, and Requests.
Safe Harbor and Online Privacy Policy Data Subjects may contact  Business Concepts Consulting US and US Affiliates (i) with complaints concerning this Privacy Policy or its implementation, (ii) with questions concerning this Policy, and (iii) with requests under Section 14 (Right to Access, Change, or Delete Personal Data), at the following address:
 
Business Concepts Consulting, Inc.
US Safe Harbor Compliance
C/O Stacy Mckenny
2300 Main St  Floor 9th
Kansas City, Mo 64108
Phone: 816-368-8049
Fax: 1800-635-2601

21. Defined Terms
Capitalized terms in this Privacy Policy have the following meaning:

21.A. "Business Card Information"
means the information found on a standard business card, as further defined in Section 8.C. (Business Card Information), below.

21.B. "Data Subject"
means the natural person who is the subject of, and identified in Personal Data.

21.C. "Direct Marketing Information"
has the meaning set out in Section 11 (Choice and Opt-Out Rights).

21.D. "Employment Applicant"
means an individual who submits an application for employment with Business Concepts Consulting US or a Business Concepts Consulting Affiliate through the Business Concepts Consulting Website. In the case of applicants who are located in the EU and whose privacy interests are protected under the Data Protection Directive, the term "Employment Applicant" shall also include applicants who submit applications through any medium, including the Business Concepts Consulting Website.

21.E. "European Union" or "EU"
means the European Union consisting of its Member States, covered by the European Union Data Protection Directive.

21.F. "European Union Data Protection Directive" or "Data Protection Directive"
means the directive of the European Parliament and Council of October 24, 1995, that governs the processing of personal information within and with-out the European Union, the movement of such information, and the promulgation of national legislation of European Union member states consistent with this Directive. For more information on the European Union Data Protection Directive, please see http://europa.eu.int/comm/internal_market/en/dataprot/index.htm.

21.G. "EU Affiliate"
means a Business Concepts Consulting Affiliate located in the European Union and subject to the Data Protection Directive.

21.H. "EU Business Contact"
means a commercial or non-profit organization which is located in the European Union and covered by the Data Protection Directive other than an EU Affiliate. The term "EU Business Contact" includes (i) vendors and service providers to, and commercial customers of  Business Concepts Consulting US or Business Concepts Consulting Affiliates; (ii) organizations which may be candidates for merger with or acquisition by Business Concepts Consulting US or Business Concepts Consulting Affiliates, or (iii) the individual employees, shareholders, owners, and agents of such EU Business Contacts, to the extent these individuals' privacy interests are protected under the Data Protection Directive.

21.I. "EU Consumer"
means a consumer purchaser or consumer user of the products or services of Business Concepts Consulting US or Business Concepts Consulting Affiliates who is located in the European Union and whose privacy interests are protected under the Data Protection Directive.

21.J. "EU Data Subject"
means a Safe Harbor and On-line Privacy Policy Data Subject who is located in the European Union and whose privacy interests are protected under the Data Protection Directive.

21.K. " Business Concepts Consulting Affiliate"
means any corporation, partnership, limited liability company or other entity directly or indirectly controlled by or under the common control of Business Concepts Consulting, Inc. By way of clarifying example and not by way of limitation, the term "Affiliate" includes those entities can be identified at http://www.BusinessConceptsConsulting.com

21.L. " Business Concepts Consulting Employee"
means an employee of Business Concepts Consulting US or a Business Concepts Consulting Affiliate.

21.M. " Business Concepts Consulting US"
means Business Concepts Consulting, Inc. incorporated under the laws of the state of Missouri having its corporate headquarters in Kansas City, Missouri, USA.

21.N. " Business Concepts Consulting Website" or the"Website"
means Business Concepts Consulting US's Internet website located at www.BusinessConceptsConsulting.com

21.O. "Personal Data"
means data that personally identifies a Data Subject or that may be used to personally identify a Data Subject (such as an identification number that identifies a Data Subject). Personal Data includes data such as an individual's name, address, phone number, email address, user ID and password, personal billing information, and credit card information. Personal Data does not include data that is encoded or anonymized or publicly available information that has not been combined with non-public Personal Data. This Privacy Policy imposes greater restrictions on Sensitive Data (as this term is defined below) than on Personal Data; accordingly, unless expressly stated, the term "Personal Data" does not include "Sensitive Data."

21.P. "Personal Data Protection Practices"
means practices concerning the collection, use, and disclosure of Personal Data.

21.Q. "Safe Harbor"
means the program developed by the U.S. Department of Commerce and the European Commission, which enables U.S. companies to satisfy the requirements of the European Union Data Protection Directive. For more information on the United States Safe Harbor, please see http://www.export.gov/safeharbor/.

21.R. "Safe Harbor and Online Privacy Policy Data Subject"
means EU Business Contacts, EU Consumers, Employment Applicants, or Site Visitors. The term "Safe Harbor and Online Privacy Policy Data Subject" does not include any other person or Data Subject, and does not include Business Concepts Consulting Employees, as further set out in Section 5.B.(No Application to Business Concepts Consulting Employees).

21.R . "Sensitive Data"
means Personal Data that discloses a Data Subject's medical or health condition; race or ethnicity; political, religious or philosophical affiliations or opinions; sexual orientation; or trade union membership.

21.S. "Site Visitor"
means a person who browses the Business Concepts Consulting Web Site or submits information to Business Concepts Consulting US through the Business Concepts Consulting Website. For purposes of clarity, the term "Site Visitor" does not include Employment Applicants.

21.T. "US Affiliate"
means a Business Concepts Consulting Affiliate located in the United States.

21.U. "Worldwide Affiliates"
means Business Concepts Consulting Affiliates other than (i) EU Affiliates or (ii) US Affiliates.

Opt Out Notice For Direct Marketing
Capitalized terms in this Notice are defined in Business Concepts Consulting US's Privacy Policy for Safe Harbor and Online Users. This Policy is located at www.BusinessConceptsConsulting.com

Business Concepts Consulting US and US Affiliates periodically may wish to use Personal Data to send Direct Marketing Information to a Safe Harbor and Online Privacy Policy Data Subject. Such Data Subjects have the right to opt out of receiving such Direct Marketing Information, in accordance with Section 11 of Business Concepts Consulting US's Privacy Policy for Safe Harbor and Online Users. If you are a Safe Harbor and Online Privacy Policy Data Subject, and you choose to exercise this opt out right, please complete and execute this form and mail it to Business Concepts Consulting US at the following address:,

Business Concepts Consulting Inc.
US Safe Harbor Compliance

C/O Stacy Mckenny
2300 Main Street
Kansas City, Mo 64108
__________________________________________
I HAVE READ AND UNDERSTAND BUSINESS CONCEPTS CONSULTING, INC.'S. PRIVACY POLICY FOR SAFE HARBOR AND ONLINE USERS AND HEREBY EXERCISE MY RIGHT UNDER APPLICABLE PRIVACY LAWS AND PRINCIPLES TO OPT OUT OF BUSINESS CONCEPTS CONSULTING, INC.'S USE OF MY PERSONAL DATA FOR ITS DIRECT MARKETING PURPOSES (AS THOSE TERMS ARE DEFINED IN THE BUSINESS CONCEPTS CONSULTING PRIVACY POLICY FOR SAFE HARBOR AND ONLINE USERS, LOCATED AT WWW.BUSINESSCONCEPTSCONSULTING.COM) BY DOING SO, I, AS THE DATA SUBJECT, UNDERSTAND THAT BUSINESS CONCEPTS CONSULTING, INC. WILL NOT SEND ME DIRECT MARKETING INFORMATION, BUT MAY STILL USE MY PERSONAL DATA FOR THE PURPOSE IT WAS ORIGINALLY COLLECTED OR FOR WHICH I SUBSEQUENTLY AUTHORIZE AND MAY STILL DISCLOSE MY PERSONAL DATA, AS DESCRIBED ELSEWHERE IN THE PRIVACY POLICY AND AS PERMITTED UNDER OR REQUIRED BY APPLICABLE LAW.
Signed:____________________________________
Print Name:_________________________________
Date:______________________________________
Mailing Address:_____________________________
Telephone No.:______________________________
Business Concepts Consulting Corporate Headquarters:  Business Concepts Consulting  2300 Main Street  64108