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Owens OnLine (en) - Política de Privacidad y Puerto Seguro 05-ene-2018 | 0,62%
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# Antigua Versión Nueva Versión
0 Privacy Policies Privacy Policies
1
2 General Privacy Policy General Privacy Policy
3 European Union and Switzerland Privacy Policy European Union and Switzerland Privacy Policy
4 Cookie Policy Cookie Policy
5 Data Security Policy Data Security Policy
6 Legal Policy Legal Policy
7 General Privacy Policy General Privacy Policy
8 Revised — November 21, 2015 Revised — January 05, 2018
9 Owens OnLine, Inc. ("Owens") is concerned about the protection of personal information. It is Owens' policy to maintain the confidentiality and privacy of personal data submitted to Owens in writing or while visiting www.owens.com . Owens OnLine LLC ("Owens") is concerned about the protection of personal information. It is Owens' policy to maintain the confidentiality and privacy of personal data submitted to Owens in writing or while visiting www.owens.com .
10 Your Information Your Information
11 Owens gathers information about its visitors primarily to process your orders, but also to continue to provide you with superior and personalized customer service. By collecting the information that you provide, Owens is able to make more accurate product recommendations and send email notices or reminders. Owens is dedicated to providing you with the best possible browsing experience and gathering this information helps make that possible. Owens gathers information about its visitors primarily to process your orders, but also to continue to provide you with superior and personalized customer service. By collecting the information that you provide, Owens is able to make more accurate product recommendations and send email notices or reminders. Owens is dedicated to providing you with the best possible browsing experience and gathering this information helps make that possible.
12 Owens does not sell mailing lists or exchange services in return for the use of your information. You may receive periodic mailings or emailings from Owens with information on new services and changes in service. If you do not wish to receive such mailings, you can make a request to opt-out by contacting Owens in writing or by e-mail at the addresses listed below. Owens does not sell mailing lists or exchange services in return for the use of your information. You may receive periodic mailings or emailings from Owens with information on new services and changes in service. If you do not wish to receive such mailings, you can make a request to opt-out by contacting Owens in writing or by e-mail at the addresses listed below.
13 Information You Provide Information You Provide
14 Owens will not disclose the personal information you provide to a third party without your permission, except in connection with the business transaction for which it was collected. Third party disclosure of the information you provide may include affiliate companies, third party agents, in-country sources, educational institutions, employers, courts, law enforcement agencies and other persons or entities that may provide or verify information as necessary for Owens to process your transaction. Information you provide may also be disclosed in response to legal requirements. Owens does not sell or rent the personal information you provide. Owens will not disclose the personal information you provide to a third party without your permission, except in connection with the business transaction for which it was collected. Third party disclosure of the information you provide may include affiliate companies, third party agents, in-country sources, educational institutions, employers, courts, law enforcement agencies and other persons or entities that may provide or verify information as necessary for Owens to process your transaction. Information you provide may also be disclosed in response to legal requirements. Owens does not sell or rent the personal information you provide.
15 Personal Information Disclosure: United States or Overseas Personal Information Disclosure: United States or Overseas
16 Personal information submitted to Owens may, at times, be transferred outside of the United States. Personal information submitted to Owens may, at times, be transferred outside of the United States.
17 Policy Changes Policy Changes
18 This policy may be amended from time to time. Any changes that are made to the existing privacy policy of Owens will be posted on this website. This policy may be amended from time to time. Any changes that are made to the existing privacy policy of Owens will be posted on this website.
19 Contact Information Contact Information
20 For additional information contact: For additional information contact:
21 Linda Mathis Linda Mathis
22 Compliance Officer Compliance Officer
23 Owens OnLine, Inc. Owens OnLine LLC
24 3802 Ehrlich Road, Suite 307 3802 Ehrlich Road, Suite 307
25 Tampa, FL 33624 USA Tampa, FL 33624 USA
26 Phone: +813-877-2008 ext. 5016 Phone: +813-877-2008 ext. 5016
27 Email: privacy@owens.com Email: privacy@owens.com
28 In accordance with California Civil Code § 1786.20 the contact listed above will be able to assist you with additional information on Owens' privacy practices and policies in the event of a compromise. In accordance with California Civil Code § 1786.20 the contact listed above will be able to assist you with additional information on Owens' privacy practices and policies in the event of a compromise.
29 European Union and Switzerland Privacy Policy European Union and Switzerland Privacy Policy
30 Revised — August 15, 2017 Revised — January 05, 2018
31 Owens OnLine, Inc. ("Owens") follows the legal framework of EU approved standard contractual clauses with respect to personal information collected from consumers who reside in the European Union. Owens complies with and adheres to the Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of the data. Owens also complies with and adheres to the EU Commission Decision of 5 February 2010 (2010/87/EU) on standard contractual clauses for the transfer of personal data to processors established in third countries under Directive 95/46/EC of the European Parliament and of the Council. Owens participates in the EU-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield programs administered by the United States Department of Commerce ("Privacy Shield") and has certified to the Department of Commerce that Owens adheres to the Privacy Shield Principles. To learn more about the Privacy Shield program, and to view Owens’ certification, please visit https://www.privacyshield.gov/list . To learn more about the relevant Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data, please visit the EU Eurolex website at http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31995L0046:en:HTML . Owens OnLine LLC ("Owens") follows the legal framework of EU approved standard contractual clauses with respect to personal information collected from consumers who reside in the European Union. Owens complies with and adheres to the Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of the data. Owens also complies with and adheres to the EU Commission Decision of 5 February 2010 (2010/87/EU) on standard contractual clauses for the transfer of personal data to processors established in third countries under Directive 95/46/EC of the European Parliament and of the Council. Owens participates in the EU-U.S. Privacy Shield and the Swiss-U.S. Privacy Shield programs administered by the United States Department of Commerce ("Privacy Shield") and has certified to the Department of Commerce that Owens adheres to the Privacy Shield Principles. To learn more about the Privacy Shield program, and to view Owens’ certification, please visit https://www.privacyshield.gov/list . To learn more about the relevant Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data, please visit the EU Eurolex website at http://eur-lex.europa.eu/LexUriServ/LexUriServ.do?uri=CELEX:31995L0046:en:HTML .
32 Notice Notice
33 Owens receives personal information about consumers from its clients. Owens' clients (employers, financial institutions, other background screening or credit agencies, etc.) certify to Owens that they have obtained the consumer's consent to share this information for a permissible purpose, usually for use in making employment-related decisions (who to hire, retain, promote, reassign, etc.), for credit applications (to purchase a car, house, etc.) or for license applications (for professional or business purposes). Owens receives personal information about consumers from its clients. Owens' clients (employers, financial institutions, other background screening or credit agencies, etc.) certify to Owens that they have obtained the consumer's consent to share this information for a permissible purpose, usually for use in making employment-related decisions (who to hire, retain, promote, reassign, etc.), for credit applications (to purchase a car, house, etc.) or for license applications (for professional or business purposes).
34 Services are performed in accordance with applicable local and national laws. The scope of this notice covers EU and Switzerland consumer report data that Owens has obtained on behalf of clients by contacting the appropriate sources of the data (courts, law enforcement agencies, educational institutions, employers, etc.). Services are performed in accordance with applicable local and national laws. The scope of this notice covers EU and Switzerland consumer report data that Owens has obtained on behalf of clients by contacting the appropriate sources of the data (courts, law enforcement agencies, educational institutions, employers, etc.).
35 Choice Choice
36 Owens affords individuals the opportunity to choose whether their personal information will be disclosed to a third party or will be used for a purpose incompatible with the purpose for which it was originally collected or subsequently authorized by the individual. Therefore, consumer data may be disseminated under these circumstances unless the consumer explicitly opts-out. Where a consumer chooses to opt-out, the data is not necessarily erased or deleted. Various laws require that the data be maintained on file for a specified period of time for consumer protection purposes. A consumer can opt-out by contacting Owens in writing or by e-mail at the addresses listed below. Owens affords individuals the opportunity to choose whether their personal information will be disclosed to a third party or will be used for a purpose incompatible with the purpose for which it was originally collected or subsequently authorized by the individual. Therefore, consumer data may be disseminated under these circumstances unless the consumer explicitly opts-out. Where a consumer chooses to opt-out, the data is not necessarily erased or deleted. Various laws require that the data be maintained on file for a specified period of time for consumer protection purposes. A consumer can opt-out by contacting Owens in writing or by e-mail at the addresses listed below.
37 Accountability For Onward Transfer Accountability For Onward Transfer
38 Owens discloses personal data that it collects to third parties in connection with the business transaction for which it was collected. Third party disclosure of the information may include the Owens' client whom the consumer has authorized to receive such information, the third-party representative of Owens authorized to receive such information (affiliate companies, agents, in-country sources, educational institutions, employers, courts, law enforcement agencies and other persons or entities that may provide or verify information as necessary for Owens to process the authorized transaction). Information you provide may also be disclosed in response to lawful requests by public authorities, including disclosures to meet national security or law enforcement requirements (subpoenas, court orders, etc.). In cases of onward transfer to third parties of data of EU and Switzerland consumers received pursuant to the EU-U.S. Privacy Shield and Swiss-U.S. Privacy Shield, Owens is potentially liable. Owens discloses personal data that it collects to third parties in connection with the business transaction for which it was collected. Third party disclosure of the information may include the Owens' client whom the consumer has authorized to receive such information, the third-party representative of Owens authorized to receive such information (affiliate companies, agents, in-country sources, educational institutions, employers, courts, law enforcement agencies and other persons or entities that may provide or verify information as necessary for Owens to process the authorized transaction). Information you provide may also be disclosed in response to lawful requests by public authorities, including disclosures to meet national security or law enforcement requirements (subpoenas, court orders, etc.). In cases of onward transfer to third parties of data of EU and Switzerland consumers received pursuant to the EU-U.S. Privacy Shield and Swiss-U.S. Privacy Shield, Owens is potentially liable.
39 Access Access
40 A consumer may request, in writing, a copy of their consumer report. Owens affords the consumer a reasonable opportunity to correct, amend or delete information that is inaccurate or incomplete, except where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where the rights of persons other than the individual would be violated. Consumers who wish to exercise these rights may contact Owens using the contact details listed below. For security purposes, Owens will require verification of the consumer's identity. A consumer may request, in writing, a copy of their consumer report. Owens affords the consumer a reasonable opportunity to correct, amend or delete information that is inaccurate or incomplete, except where the burden or expense of providing access would be disproportionate to the risks to the individual's privacy or where the rights of persons other than the individual would be violated. Consumers who wish to exercise these rights may contact Owens using the contact details listed below. For security purposes, Owens will require verification of the consumer's identity.
41 Security Security
42 Owens is committed to protecting personal information. While Owens cannot guarantee the security of the information, Owens utilizes a combination of online and offline security technologies, procedures and organizational measures to help safeguard consumer information against loss, misuse and unauthorized access, disclosure, alteration and destruction. Owens is committed to protecting personal information. While Owens cannot guarantee the security of the information, Owens utilizes a combination of online and offline security technologies, procedures and organizational measures to help safeguard consumer information against loss, misuse and unauthorized access, disclosure, alteration and destruction.
43 Data Integrity and Purpose Limitation Data Integrity and Purpose Limitation
44 In accordance with applicable law, Owens takes reasonable steps to ensure that the information Owens collects is accurate, complete, current and reliable for its intended use. Owens only collects data that is necessary for the purposes listed under the section on "Notice." In accordance with applicable law, Owens takes reasonable steps to ensure that the information Owens collects is accurate, complete, current and reliable for its intended use. Owens only collects data that is necessary for the purposes listed under the section on "Notice."
45 Owens takes reasonable and appropriate measures to retain personal data only for as long as Owens has a legitimate legal or business need, such as compliance with legal or contractual retention obligations, retention for audit purposes, customer service, security and fraud prevention, preservation of legal rights or other reasonable purposes consistent with the purpose of the collection of the information. Owens will adhere to the Principles for as long as Owens retains personal data transferred in reliance upon the Privacy Shield. Owens takes reasonable and appropriate measures to retain personal data only for as long as Owens has a legitimate legal or business need, such as compliance with legal or contractual retention obligations, retention for audit purposes, customer service, security and fraud prevention, preservation of legal rights or other reasonable purposes consistent with the purpose of the collection of the information. Owens will adhere to the Principles for as long as Owens retains personal data transferred in reliance upon the Privacy Shield.
46 Owens makes every effort to ensure that the data it collects and stores is as accurate as possible. Owens cannot guarantee, however, that third parties are accurate in their information. Therefore, Owens denies any responsibility for the accuracy of the data supplied by any third-party sources of information or by Owens’ clients. Owens makes every effort to ensure that the data it collects and stores is as accurate as possible. Owens cannot guarantee, however, that third parties are accurate in their information. Therefore, Owens denies any responsibility for the accuracy of the data supplied by any third-party sources of information or by Owens’ clients.
47 Recourse, Enforcement and Liability Recourse, Enforcement and Liability
48 Owens is committed to answer questions and resolve complaints about your privacy and our collection or use of your personal information. EU and Swiss consumers with inquiries or complaints regarding this privacy policy or the processing of their personal information should first contact Owens OnLine at: Owens is committed to answer questions and resolve complaints about your privacy and our collection or use of your personal information. EU and Swiss consumers with inquiries or complaints regarding this privacy policy or the processing of their personal information should first contact Owens OnLine at:
49 Linda Mathis Linda Mathis
50 Compliance Officer Compliance Officer
51 Owens OnLine, Inc. Owens OnLine LLC
52 3802 Ehrlich Road, Suite 307 3802 Ehrlich Road, Suite 307
53 Tampa, FL 33624 USA Tampa, FL 33624 USA
54 Phone: +813-877-2008 ext. 5016 Phone: +813-877-2008 ext. 5016
55 Email: privacy@owens.com Email: privacy@owens.com
56 Please note that if your complaint is not resolved through this method, under limited circumstances, where permitted by the Privacy Shield program, a binding arbitration option is available if the individual believes there has been a violation of Privacy Shield requirements that has not been appropriately addressed by Owens. Please note that if your complaint is not resolved through this method, under limited circumstances, where permitted by the Privacy Shield program, a binding arbitration option is available if the individual believes there has been a violation of Privacy Shield requirements that has not been appropriately addressed by Owens.
57 Owens’ compliance with its Privacy Shield obligations is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission (FTC). Owens’ compliance with its Privacy Shield obligations is subject to the investigatory and enforcement powers of the U.S. Federal Trade Commission (FTC).
58 Owens will verify adherence to the Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of the data via a set of EU approved standard contractual clauses. Owens will verify adherence to the Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of the data via a set of EU approved standard contractual clauses.
59 Owens has agreed to cooperate and comply with the European Data Protection Authorities. Owens has agreed to cooperate and comply with the European Data Protection Authorities.
60 Policy Changes Policy Changes
61 This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website. This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website.
62 Cookie Policy Cookie Policy
63 Revised — November 21, 2015 Revised — January 05, 2018
64 Owens OnLine, Inc. ("Owens") uses a standard technology called a cookie. A cookie is a small file that is sent to your computer by Owens' website. Owens uses cookies to allow you to move quickly through the site. This is accomplished in many ways using several different cookies. Owens OnLine LLC ("Owens") uses a standard technology called a cookie. A cookie is a small file that is sent to your computer by Owens' website. Owens uses cookies to allow you to move quickly through the site. This is accomplished in many ways using several different cookies.
65 How This Site Uses Cookies How This Site Uses Cookies
66 This website uses the following cookies: This website uses the following cookies:
67 Cookie Type Cookie Type
68 Details Details
69 Strictly Necessary Cookies Strictly Necessary Cookies
70 These cookies enable services you have specifically requested. The cookies are stored in temporary memory only while a user is visiting the website and they are deleted from memory when the user closes the browser. These essential cookies usually contain information that identifies a session. Without the cookie, a session could not exist. The net result would be that a user would have to re-enter their username and password on every page. These cookies enable services you have specifically requested. The cookies are stored in temporary memory only while a user is visiting the website and they are deleted from memory when the user closes the browser. These essential cookies usually contain information that identifies a session. Without the cookie, a session could not exist. The net result would be that a user would have to re-enter their username and password on every page.
71 Performance Cookies Performance Cookies
72 These cookies collect anonymous information on the pages visited. Owens collects certain aggregate details when you visit the website. The cookies used do not collect personal information. The cookies tell Owens things such as how many users visited the site and the pages accessed. By collecting this information, Owens learns how to best tailor the website to visitors. These cookies collect anonymous information on the pages visited. Owens collects certain aggregate details when you visit the website. The cookies used do not collect personal information. The cookies tell Owens things such as how many users visited the site and the pages accessed. By collecting this information, Owens learns how to best tailor the website to visitors.
73 Functional Cookies Functional Cookies
74 These cookies remember choices you make to improve your experience. Owens uses these cookies after the user has logged in. They allow the website to remember choices you make such as frequently selected countries. These cookies remember choices you make to improve your experience. Owens uses these cookies after the user has logged in. They allow the website to remember choices you make such as frequently selected countries.
75 Third Party Cookies Third Party Cookies
76 These cookies are used for payment processing and analytics. These cookies are used for payment processing and analytics.
77 Owens uses the following third party analytic cookies: Owens uses the following third party analytic cookies:
78 Cookie Name Cookie Name
79 Purpose Purpose
80 Google Analytics uses the cookies "_ga" and "_gat" Google Analytics uses the cookies "_ga" and "_gat"
81 Owens uses Google Analytics to give insights into how users interact with the website. To obtain these insights, Google Analytics uses a number of cookies. The information collected is anonymous and statistical. Owens uses Google Analytics to give insights into how users interact with the website. To obtain these insights, Google Analytics uses a number of cookies. The information collected is anonymous and statistical.
82 Google Analytics Privacy Policy . Google provides an opt-out plug-in for most common website browsers. Google Analytics Privacy Policy . Google provides an opt-out plug-in for most common website browsers.
83 Policy Changes Policy Changes
84 This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website. This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website.
85 Data Security Policy Data Security Policy
86 Revised — November 21, 2015 Revised — January 05, 2018
87 Owens OnLine, Inc. ("Owens") realizes the importance of secure online transactions to protect information from any loss, misuse, disclosure, alteration or destruction. To help safeguard the information we obtain and process in our website, Owens utilizes a combination of online and offline security technologies, procedures and processes. Owens OnLine LLC ("Owens") realizes the importance of secure online transactions to protect information from any loss, misuse, disclosure, alteration or destruction. To help safeguard the information we obtain and process in our website, Owens utilizes a combination of online and offline security technologies, procedures and processes.
88 Data Encryption Data Encryption
89 Owens' system utilizes industry standard encryption technology. Owens' system utilizes industry standard encryption technology.
90 Data Retention Data Retention
91 Owens' system will retain the data as long as the purpose for which it was collected remains or until it is no longer necessary for any other legal or business purposes. After its retention period expires, Owens will destroy the data using industry standard tools or devices. Owens' system will retain the data as long as the purpose for which it was collected remains or until it is no longer necessary for any other legal or business purposes. After its retention period expires, Owens will destroy the data using industry standard tools or devices.
92 Physical and Logical Security Physical and Logical Security
93 Owens' systems are located in a secure facility where physical access to the systems including its backup media is monitored and granted only to persons with a valid business need. The network is protected with multiple layers of security including firewalls. In addition to using SSL encryption, access to the services in the website requires strong password authentication. Owens' systems are located in a secure facility where physical access to the systems including its backup media is monitored and granted only to persons with a valid business need. The network is protected with multiple layers of security including firewalls. In addition to using SSL encryption, access to the services in the website requires strong password authentication.
94 Security Vulnerability Management Security Vulnerability Management
95 Owens' systems and its underlying subsystems are hardened using industry best practices and standards. Critical security patches are implemented promptly. Owens' systems and its underlying subsystems are hardened using industry best practices and standards. Critical security patches are implemented promptly.
96 Policy Changes Policy Changes
97 This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website. This policy may be amended from time to time. Any changes that are made to the existing policy of Owens will be posted on this website.
98 Legal Policy Legal Policy
99 Revised — November 21, 2015 Revised — January 05, 2018
100 By accessing and/or using the website, the user acknowledges this disclaimer and agrees to be bound by the further terms and conditions set out below. By accessing and/or using the website, the user acknowledges this disclaimer and agrees to be bound by the further terms and conditions set out below.
101 Any information Owens OnLine, Inc. ("Owens") may post in the pages of this website are purely informational and may not be construed as legal advice. This includes, but is not limited to, forms and posts discussing legal and legislative developments. Owens advises that user consult experienced counsel to ensure compliant use of Owens' content and reports in connection with its particular credit, due diligence or screening program. Any information Owens OnLine LLC ("Owens") may post in the pages of this website are purely informational and may not be construed as legal advice. This includes, but is not limited to, forms and posts discussing legal and legislative developments. Owens advises that user consult experienced counsel to ensure compliant use of Owens' content and reports in connection with its particular credit, due diligence or screening program.
102 No Warranties No Warranties
103 Owens makes no warranties or representations as to the accuracy or timeliness of information on this website. Owens assumes no liability or responsibility for any errors or omissions in the content of the website. Information on this website may contain technical inaccuracies or typographical errors. Owens may change or update information without notice. Further, Owens makes no warranties or representations as to the accuracy or timeliness of any information on any third-party websites that are linked to this website. Owens makes no warranties or representations as to the accuracy or timeliness of information on this website. Owens assumes no liability or responsibility for any errors or omissions in the content of the website. Information on this website may contain technical inaccuracies or typographical errors. Owens may change or update information without notice. Further, Owens makes no warranties or representations as to the accuracy or timeliness of any information on any third-party websites that are linked to this website.
104 Limitation of Liability Limitation of Liability
105 UNDER NO CIRCUMSTANCES SHALL OWENS BE LIABLE FOR ANY DAMAGES SUFFERED BY ANY USER, INCLUDING ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS OR DAMAGES FOR BUSINESS INTERRUPTION, LOSS OF INFORMATION, PROGRAMS OR OTHER DATA) THAT RESULT FROM ACCESS TO, USE OF, OR INABILITY TO USE THIS WEBSITE OR DUE TO ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION THROUGH THE INTERNET, EVEN IF OWENS WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES SHALL OWENS BE LIABLE FOR ANY DAMAGES SUFFERED BY ANY USER, INCLUDING ANY INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS OR DAMAGES FOR BUSINESS INTERRUPTION, LOSS OF INFORMATION, PROGRAMS OR OTHER DATA) THAT RESULT FROM ACCESS TO, USE OF, OR INABILITY TO USE THIS WEBSITE OR DUE TO ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION THROUGH THE INTERNET, EVEN IF OWENS WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
106 Policy Changes Policy Changes
107 This policy may be amended from time to time. Any changes that are made to the existing legal policy of Owens will be posted on this website. This policy may be amended from time to time. Any changes that are made to the existing legal policy of Owens will be posted on this website.