Your privacy is important to MOGA BROOK (USA), INC.

We’ve developed a Privacy Policy that covers how we collect, use, disclose, transfer, and store your information.  Please take a moment to familiarize yourself with our privacy practices and let us know if you have any questions.  By visiting us, you are accepting the practices described herein.

Our website address is:  WWW.MOGABROOKUSA.COM

This Privacy Policy is effective as of November 1, 2014.

Personal information is data that can be used to identify or contact a single person.

You may be asked to provide your personal information any time you are in contact with Moga Brook or a Moga Brook affiliated company.  Moga Brook and its affiliates may share this personal information with each other and use it consistent with this Privacy Policy.  They may also combine it with other information to provide and improve our products, services, content, and advertising.  You are not required to provide the personal information that we have requested, but, if you chose not to do so, in many cases we will not be able to provide you with our products or services or respond to any queries you may have.

We collect, “personally identifiable information” which is defined as “individually identifiable information about an individual consumer collected online by the operator from that individual and maintained by the operator in an accessible form, including any of the following: 
   (1) A first and last name. 
   (2) A home or other physical address, including street name and name of a city or town. 
   (3) An e-mail address. 
   (4) A telephone number. 
   (5) A social security number. 
   (6) Any other identifier that permits the physical or online contacting of a specific individual. 
   (7) Information concerning a user that the Web site or online service collects online from the user and maintains in personally identifiable form in combination with an identifier described in this subdivision.  This kind of information includes “click stream” information or information obtained from “cookies” such as information showing the last several websites that the consumer visited and information about a consumers profile or preferences.  However, this information will not be “personally identifiable information” unless it is coupled with any of the information above.

Personally identifiable information can come from the following sources:

Information You Give Us: We receive and store any information you enter our Web site, purchase products register for classes or seminars, participate in an online survey or give us in any other way.  You can choose not to provide certain information, but then you might not be able to take advantage of many of our features.

Automatic Information: We receive and store certain types of information whenever you interact with us. For example, like many websites, we use "cookies," and we obtain certain types of information when your Web browser accesses our Website or advertisements and other content served by or on our behalf on other websites.

Mobile: When you download or use mobile apps we or our affiliates created, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as advertising, search results, and other personalized content. Most mobile devices allow you to turn off location services.

E-mail Communications: To help us make e-mails more useful and interesting, we often receive a confirmation when you open e-mail from us if your computer supports such capabilities. We also compare our customer list to lists received from other companies, in an effort to avoid sending unnecessary messages to our customers. If you do not want to receive e-mail or other mail from us, please adjust your computer settings.

Information from Other Sources: We might receive information about you from other sources and add it to our account information. .

The personal information we collect allows us to keep you posted on Moga Brook’s latest product announcements, seminars and upcoming events. If you don’t want to be on our mailing list, you can opt out any time by so advising us.

We also use personal information to help us create, develop, operate, deliver, and improve our products, services, content and advertising, and for loss prevention and anti-fraud purposes.

We may use your personal information, including date of birth, to verify identity, assist with identification of users, and to determine appropriate services.  For example, we may use date of birth to determine the age of Moga Brook account holders and purchasers.

From time to time, we may use your personal information to send important notices, such as communications about our products, seminars, your purchases and changes to our terms, conditions, and policies.  Because this information is important to your interaction with Moga Brook, you may not opt out of receiving these communications.

We may also use personal information for internal purposes such as auditing, data analysis, and research to improve Moga Brook’s products, services, and customer communications.

We also collect data in a form that does not, on its own, permit direct association with any specific individual. We may collect, use, transfer, and disclose non-personal information for any purpose.  The following are some examples of non-personal information that we collect and how we may use it:

• We may collect information such as occupation, language, zip code, area code, referrer URL, location, and the time zone where a Moga Brook product is used or a seminar held so that we can better understand customer behavior and improve our products, services, and advertising.

• We may collect information regarding customer activities on our website and from our other products and services.  This information is aggregated and used to help us provide more useful information to our customers and to understand which parts of our website, products, and services are of most interest.  Aggregated data is considered non-personal information for the purposes of this Privacy Policy.

• We may collect and store details of how you use our services, including search queries.  This information may be used to improve the relevancy of results provided by our services.  Except in limited instances to ensure quality of our services over the Internet, such information will not be associated with your IP address.
• When you share your content with family and friends regarding the purchase or use of Moga Brook products, send gift certificates and products, or invite others to participate in Moga Brook services or forums, Moga Brook may collect the information you provide about those people such as name, mailing address, email address, and phone number.  Moga Brook will use such information to fulfill your requests, provide the relevant product or service, or for anti-fraud purposes.

If we do combine non-personal information with personal information the combined information will be treated as personal information for as long as it remains combined.

Moga Brook’s websites, online services, interactive applications, email messages, and advertisements may use “cookies” and other technologies such as pixel tags and web beacons.  These technologies help us better understand user behavior, tell us which parts of our websites people have visited, and facilitate and measure the effectiveness of advertisements and web searches.  We treat information collected by cookies and other technologies as non-personal information.  However, to the extent that IP addresses or similar identifiers are considered personal information by local law, we also treat these identifiers as personal information.  Similarly, to the extent that non-personal information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy.

Cookies are unique identifiers that enable our systems to recognize your device and allow us to provide features such as personalized advertisements on other web sites and storage of items in your Shopping Cart between visits.

The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the website of its manufacturer. Because cookies allow you to take advantage of some of our features, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your Shopping Cart, proceed to Checkout, or to purchase any of our products and services that require you to Sign in.

Moga Brook and our affiliates also use cookies and other technologies to remember personal information when you use our website, online services, and applications. Our goal in these cases is to make your experience with Moga Brook more convenient and personal.  For example, knowing your first name lets us welcome you the next time you visit the Moga Brook website.  Knowing your country and language helps us provide a customized and more useful shopping experience.  Knowing someone using your computer or device has shopped for a certain product or used a particular service helps us make our advertising and email communications more relevant to your interests.  And knowing your contact information, hardware identifiers, and information about your computer or device helps us personalize your operating system and provide you with better customer service.

In some of our email messages, we use a “click-through URL” linked to content on the Moga Brook website.  When customers click one of these URLs, they pass through a separate web server before arriving at the destination page on our website.  We track this click-through data to help us determine interest in particular topics and measure the effectiveness of our customer communications.  If you prefer not to be tracked in this way, you should not click text or graphic links in the email messages.

Pixel tags enable us to send email messages in a format customers can read, and they tell us whether mail has been opened.  We may use this information to reduce or eliminate messages sent to customers.

Information about our customers is an important part of our business, and we are not in the business of selling it to others. We share customer information only as described in this Policy and with our affiliates which follow practices at least as protective as those described in this Privacy Policy.

At times Moga Brook may make certain personal information available to strategic partners that work with Moga Brook to provide products and services or that help Moga Brook market to customers.   For example, when you purchase products from our Website or register for a seminar, you authorize Moga Brook and your carrier to exchange the information you provide during the purchase or registration process to carry out service.  If you are approved for service, your account will be governed by Moga Brook and your carrier’s respective privacy policies. Personal information will only be shared by Moga Brook to provide or improve our products, services and advertising; it will not be shared with third parties for their marketing purposes.

Affiliated Businesses We Do Not Control: We work closely with affiliated businesses. In some cases, we provide services, or sell product lines jointly with these businesses.  You can tell when a third party is involved in your transactions and we share customer information related to those transactions with that third party.

Third-Party Service Providers: We employ other companies and individuals to perform functions on our behalf. Examples include extending credit, fulfilling orders, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, analyzing data, providing marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, managing and enhancing customer data, providing customer service, assessing your interest in our products and services, and conducting customer research or satisfaction surveys and providing customer service. They have access to personal information needed to perform their functions, but may not use it for other purposes.

Our Protection and Others: We release account and other personal information when we believe release is appropriate to comply with the law, for purposes of national security, law enforcement, or other issues of public importance, disclosure is necessary or appropriate or to protect our rights, property, or safety and those of our customers or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in

Moga Brook takes the security of your personal information very seriously.  Moga Brook online services protect your personal information during transit using  Secure Sockets Layer (SSL) software, which encrypts information you input.  

We work to protect the security of your information during transmission by revealing only the last four digits of your credit card numbers when confirming an order. Of course, we transmit the entire credit card number to the appropriate credit card company during order processing.

It is important for you to protect against unauthorized access to your password and to your computer. Be sure to sign off when finished using a shared computer. 

When you use some Moga Brook products, services, or applications or post on a Moga Brook forum, chat room, or social networking service, the personal information and content you share is visible to other users and can be read, collected, or used by them.  You are responsible for the personal information you choose to share or submit in these instances.  For example, if you list your name and email address in a forum posting, that information is public.  Please take care when using these features.

If you or anyone else using a service which logs on to a device that is owned by a third party, any information shared with such service, including your name, address, photos, and purchases, may be downloaded on to that third party device thereby disclosing any such shared information.

We will retain your personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.

You can help ensure that your contact information and preferences are accurate, complete, and up to date by logging in to your account at our Website.  For other personal information we hold, we will provide you with access for any purpose including requesting that we correct the data if it is inaccurate or delete the data if Moga Brook is not required to retain it by law or for legitimate business purposes.  We may decline to process requests that are frivolous/vexatious, jeopardize the privacy of others, are impractical, or for which access is not otherwise required by local law.

As discussed above, you can always choose not to provide information, even though it might be needed to make a purchase or to take advantage of our features.

You can add or update certain information on our Website.  When you update information, we usually keep a copy of the prior version for our records.

If you do not want to receive e-mail or other mail from us, please adjust your browser or computer settings.

If you do not want us to use personal information that we gather to allow third parties to personalize advertisements we display to you, please adjust your browser.

The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Additionally, you can disable or delete similar data used by browser add-ons, such as Flash cookies, by changing the add-on's settings or visiting the Web site of its manufacturer. Because cookies allow you to take advantage of some of our Website’s essential features, we recommend that you leave them turned on. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your Shopping Cart, proceed to Checkout, or purchase any of our products and services that require you to Sign in.

We do not sell products to children. If you are under 18, you may use our Website to purchase products or register for classes or seminars only with the involvement of your parent or legal guardian.

We understand the importance of taking extra precautions to protect the privacy and safety of children using Moga Brook products and services.  Accordingly, we do not knowingly collect, use or disclose personal information from children under 13 or equivalent minimum age in the relevant jurisdiction, without verifiable parental consent.  If we learn that we have collected the personal information of a child under 13 or equivalent minimum age depending on jurisdiction, without first receiving verifiable parental consent, we will take steps to delete the information as soon as possible.

If at any time a parent needs to access, correct, or delete data associated with their Moga Brook ID, they may contact us.

All the information you provide may be transferred or accessed by entities around the world as described in this Privacy Policy.  Moga Brook abides by the “safe harbor” frameworks set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information collected by organizations in the European Economic Area and Switzerland.

To make sure your personal information is secure, we communicate our privacy and security guidelines to Moga Brook employees and strictly enforce privacy safeguards within the company.

If you have any questions or concerns about Moga Brook’s Privacy Policy or data processing or if you would like to make a complaint about a possible breach of local privacy laws, please contact us.  You can always contact us by phone at the relevant Moga Brook Support number for your country.

All such communications are examined and replies issued where appropriate as soon as possible.  If you are unsatisfied with the reply received, you may refer your complaint to the relevant regulator in your jurisdiction.  If you ask us, we will endeavor to provide you with information about relevant complaint avenues which may be applicable to your circumstances.

Moga Brook may update its Privacy Policy from time to time.  When we change the policy in a material way, a notice will be posted on our website along with the updated Privacy Policy. You should check our Website frequently to see recent changes. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your account.