The Abundance Group, LLC ("AG") (referred to as "Our" and/or "We") owns and operates a website and an Affiliate Program at and may also publishe various eBooks (hereinafter collectively referred to as the "Sites").  "You" refers to the person using the Sites. We strive to offer You the many advantages of Internet technology and to provide an interactive and personalized experience.  We may use "Personally Identifiable Information" (name, e-mail address, street address, telephone number, IP address, financial information, social security number and/or other form of tax identification number, and other information) subject to the terms of this Privacy Policy. We will never sell, barter, or rent your email address to any unauthorized third party. We employ specific security measures when storing, retrieving, or accessing any form of financial information and/or social security number and/or other form of tax identification number.

How We Gather Information From Users
How we collect and store information depends on the page you are visiting, the activities in which you elect to participate and the services provided. For example, you may be asked to provide information when you register for access to certain portions of our site or request certain features, such as newsletters or when you make a purchase. You may provide information when you participate in any of Our programs, on or by the Sites and other interactive areas of the Sites. Like most websites, we also collect information automatically and through the use of electronic tools that may be transparent to You. For example, we may log the name of your Internet Service Provider or your IP address, or use information available through the Internet, cookie technology, other forms of technology, and technologies yet to be conceived and/or implemented, to recognize You and hold information from your visit. Among other things, these technologies, in whole or in part and in any possible combination, may store your user name and password, sparing You from having to re-enter that information each time You visit, identify your account number, or may control the number of times You encounter a particular advertisement while visiting the Sites, or be used to Our advantage to market products and services on behalf of Us or Our Advertisers, or in any other way we see fit. (To learn more about "IP addresses" or "cookies", find information by use of an Internet search engine.)  As we adopt additional technology, We may also gather additional types and categories of information about You and Your use of the Sites, its Programs, Your use of the Internet, and/or Your implied topics of interest, usage, or research, and do this through other means.

In certain instances, you can choose not to provide us with information, for example by setting your browser to refuse to accept cookies, but, if you do, you may be unable to access certain portions of the site or may be asked to re-enter your user name and password, or we may not be able to customize the site's features according to your preferences, or you may not be able to become a Participant in some or all of the programs.  Furthermore, in some instances (as detailed in the Terms and Conditions as well as in the paragraph below entitled "Taxpayer Identification Number") if you fail to provide us with information we request, you may be ineligible to participate in some or all of the programs and/or services offered through the Sites.¹

What We Do With the Information We Collect
Like other web services, We collect information to formulate lists of topics, categories of interest and/or use, and Your implied specific areas of interest. This may be used to enhance Your visit, deliver more individualized content and advertising, to affect our accounting methodology, to secure our database(s), to protect Us from illicit usage of the Sites, or to disable certain services or programs for use by You. We respect your privacy and do not share your information with anyone outside of Our organization and any subsidiaries We may have. Additionally, real time transmission of the information may occur to affect, enable, or enhance other programs and services.

Aggregate Information (information that does not personally identify You) may be used in many ways. For example, we may combine information about your usage patterns with similar information obtained from other users to help enhance the Sites and the services offered therein (e.g., to learn which pages are visited most or what features are most attractive). Aggregate Information may occasionally be shared with or sold to The Abundance Group, LLC and its licensees and subsidiaries, our advertisers, Our business partners, or the general public. Again, this information does not include any Personally Identifiable Information about You or that would allow anyone to identify You individually. Additionally, periodic transmission of the aggregate information may occur to affect, enable, or enhance other programs and services.

We may use Personally Identifiable Information collected by and/or retained on the Sites or through any of our Affiliate's links, to communicate with You about your registration and customization preferences; our Terms and Conditions (aka License/Terms and Conditions (of Use)/Terms of Service), this Privacy Policy, or any other legal documents contained on the Sites or any other legal documents which pertain to your participation; services and products offered, now or in the future, by AHI or by The Abundance Group, LLC; or any other topics we think you might find of interest.  Any such communication may be in the form of email or by telephone or any other means suitable to the type of communication, including any new information delivery technologies that might become available.

Personally Identifiable Information collected by and/or retained on the Sites or through any of our Affiliate's links, may also be used for other purposes, including but not limited to site administration, troubleshooting, processing of e-commerce transactions, administration of sweepstakes and contests, and other communications with You. Certain third parties who provide technical support for the operation of the Sites (our Web hosting service for example), in general, may access such information. We will use your information only as permitted by law. In addition, from time to time, as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in response to a court order, at other times when we believe we are reasonably required to do so by law, in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to, or after, disclosure in such cases.

Occasionally The Abundance Group, LLC is approached by companies and professional associations seeking to inform our Members, Participants, Purchasers, and Affiliates, about products or services that may be of interest to them. We review these requests and when, in our judgment, we think the information would be of benefit to these persons or entities, we cooperate in getting you this information. We view receiving such information as a benefit for those who are seeking new tools to help them run their online business.  In such cases, we would provide you with this information directly, rather than provide your Personally Identifiable Information to the outside companies and professional associations. We may initiate the communication of any information or advertising for Our direct or indirect financial gain and it is done so without any compensation due to You or any other recipient of the information.

Financial Information
We may use third party merchant payment verification and processing companies to obtain payment and approvals and to bill users for goods and services. We do not have complete control over the actions or intentions of the third party payment processors or how they use the information that you may provide during a payment transaction and therefore have no responsibility for their use of the data specific to the transaction. These payment processors, and/or Your own financial institution may, in some circumstances, make secondary use of Your personal information and purchasing history; it is Your responsibility to contact the payment processors and/or Your financial institution for information regarding their specific usage of the information conveyed during transactions.

On most purchases and transactions on the Sites, or through our Affiliates' links, AG will normally collect and record merchant/payment processing information. Much of the determination on what information is collected and/or archived before, during, and/or after a purchase transaction, is based on the provisions and/or limitations of the payment processor systems that are implemented on each of the Sites, and this may vary from site to site. Purchases will normally be done via third party merchant transaction or other payment providers and such information during the post sale transaction of data and the data communication between their computer(s) and our computer(s) may not be encrypted nor protected with SSL or any other form of encryption software, in some cases. 

The actual account access credentials information is not supplied to Us, but is available only for purposes of processing and completing the purchase transaction. The account and/or credentialization information is only disclosed to specific third parties as necessary to complete the purchase transaction, or during the process of financing the transaction. Additionally, notifications delivered in the form of email to Us will be delivered unencrypted and clearly readable in standard character sets defined by or within the geography of delivery or by or within the receiving computers configuration. During the entire process of placing and paying for an order, there may be several steps in the process where data is transmitted unencrypted and this is variable between Users partly based on the configuration of web browser technology or by any other means they access the Sites, or by the payment method and/or payment or merchant transaction processor chosen or available at the time of purchase, or by any third party provider used by the merchant transaction or associated payment processor, all of which is beyond Our control. Your payment processor ids, payment processor transaction identifiers, dates and times of transactions, contractual obligations or details specific to the transactions, checksums, electronic forms of signature, and any other useful information for identifying or explaining or replicating the transaction may be stored temporarily or permanently on the Sites.

Requesting Your Personally Identifiable Information and/or Financial Information
Upon written request we may provide You with access to information that we maintain about You including, but not limited to, financial information (e.g., payment processor and/or merchant account information), unique identifier information (e.g., customer number or password), transaction information (e.g., dates on which You made purchases, amounts and types of purchases), participation history (e.g. dates on which you subscribed to lists at the Sites), and/or contact information (e.g., name, address, phone number).  You may also obtain some or all of this information directly from your Affiliate Back Office (also referred to as your "Profile).  Upon request, we offer You the ability to have inaccuracies corrected in contact information, financial information, and/or transaction information as further detailed in this Sites' Terms and Conditions.

Affiliated Sites, Linked Sites and Advertisements. 
We expect Our members, partners, advertisers, and Affiliates to respect the privacy of Our Users. Be aware, however, that third parties (including, but not limited to, our members partners, peers, advertisers, Affiliates, The Abundance Group, LLC entities and personnel, other content providers, or other advertising services) (collectively referred to as "Promotional Partners") whose websites may be accessible through the Sites, may have their own privacy and data collection policies and practices. For example, during Your visit to the Sites, or websites that the Sites provide advertising services to, You may link to or view, certain content that is actually owned, created, hosted by a third party, or hosted or advertised by another service, or websites far removed from and unrelated to the Sites. Also, through the Site, You may intentionally or unintentionally be introduced to, or be able to access, information, other websites, programs, products, services, features, contests or sweepstakes offered by other parties.  We are not responsible for the actions or policies of such third parties. You should check the applicable privacy policies of each of those third parties when providing information on any page operated by a third party.

While on the Sites, our Promotional Partners or other third parties may use cookies or other technology to attempt to identify some of your preferences or retrieve information about you. For example, some of our advertising is served by third parties and may include cookies that enable the advertiser to determine whether you have seen a particular advertisement before. Other features available on the Sites may offer services operated by third parties and may use cookies or other technology to gather information. AHI does not control the use of this technology by third parties or the resulting information, and is not responsible for any actions or policies of such third parties.

You should also be aware that if you voluntarily disclose Personally Identifiable Information on message boards or in chat areas which may be accessible through the Sites, that information can be viewed publicly and can be collected and used by third parties without our knowledge and may result in unsolicited messages from other individuals or third parties. Such activities are beyond the control of AHI and this Policy. 

¹Taxpayer Identification Number (Affiliates Only)
Individuals or entities who register as Affiliates (hereinafter "Payees") AND who are due any monies from their participation in the AHI Affiliate Program, must provide their Taxpayer Identification Number (either their social security number or employer identification number if a United States citizen or resident, or other form of identification provided by their country of origin or residence) to AHI. AHI cannot make any payments to said Payee until the Payee submits their appropriate Taxpayer Identification Number and supporting Identification to AHI (as required by the Affiliate Agreement of the Sites).

Furthermore, AHI may not pay any monies to any United States resident or citizen that would cause such Payee's cumulative earnings to meet or exceed $600 during a calendar year, until that Payee submits an original, signed copy of IRS form W-9 as per instructions contained in the Sites' Terms and Conditions. We are required to collect this information from each Payee in order to report each Payee's earnings to the U.S. Internal Revenue Service, (and/or to the taxing authorities of any nation, state, or political subdivision whose laws or regulations we are obligated to respect), and to issue IRS form 1099-MISC to the Payee and to the IRS. (To read more about the IRS Regulations that govern our operation, visit,,id=99928,00.html.)  

If you are neither a citizen nor a resident of the United States, You do not need to provide a U.S. taxpayer identification number, but in this case we are required to withhold a portion of any monies that may be due to You and remit them to the IRS. (You are still required to provide us with Personal Identification as required in the Sites' TERMS AND CONDITIONS.)  For more information on withholdings for foreign persons or entities, click here. (You must apply to the IRS for a refund of this money if you do not owe any United States income taxes or are not subject to any laws pertaining to United States income taxes.) You should not be asked for (and You should never provide) Your taxpayer identification number, unless You are applying for a Program that entitles you to earn monies (whether such monies are derived from credits converted to cash, or otherwise).

We designed this Policy to comply with the Children's Online Privacy Protection Act ("COPPA"). The Abundance Group, LLC does not knowingly collect or solicit Personally Identifiable Information from or about children under the age of 13 except as permitted by law. If we discover we have received any information from a child under the age of 13 in violation of this policy, we will delete that information immediately. If you believe The Abundance Group, LLC has any information from or about anyone under the age of 13, please contact us at the address listed below.

User Emails or Testimonials
If you are a customer and send an email to the Sites, to AHI, or to The Abundance Group, LLC, or if you communicate with any of them by phone or mail or other means, the party you are communicating with collects information about your communication. By communicating with the any of them, you give your permission to collect, archive, retrieve, and otherwise use any information collected as the Network sees fit.

Any communication which, in our sole discretion, we deem to be a testimonial, may be publicized for commercial purposes. 

Legal Disclaimer
The Abundance Group, LLC uses reasonable precautions to keep the information disclosed to Us secure.  We will use your information only as permitted by law. Though we make every effort to preserve user privacy, we may need to disclose Personal Identifiable Information when required by law wherein we have a good-faith belief that such action is necessary to:

1) Conform to the edicts of the law or to comply with a current judicial proceeding, a court order, or legal process served on either AHI or The Abundance Group, LLC;

2) Protect and defend the rights or property of the Sites or visitors to the Sites;

3) Identify persons who may be violating the law, any legal notice, or the rights of third parties (including those violating the Terms and Conditions of the Sites);

4) Cooperate with the investigations of purported unlawful activities;

In addition, from time to time as we continue to develop our business, we may sell, buy, merge or partner with other companies or businesses. In such transactions, user information may be among the transferred assets. We may also disclose your information in connection with the collection of amounts you may owe to us, and/or to law enforcement authorities whenever we deem it appropriate or necessary. Please note we may not provide you with notice prior to, or after, disclosure in such cases.

The Abundance Group, LLC does not endorse, nor is it responsible for the accuracy of the privacy policies and/or terms and conditions and/or terms of use/service of each or any of the advertisers within the Sites. The entities which advertise and/or place ads with The Abundance Group, LLC are independent third parties and are not affiliated with The Abundance Group, LLC and are neither owned nor operated by The Abundance Group, LLC, unless otherwise stated on such site.  Furthermore, The Abundance Group, LLC is not responsible for any breach of security, misuse of information, or for any other actions of any third parties that may receive the information.

Contacting Us
We can be reached by contacting:

The Abundance Group, LLC
Gina Gaudio-Graves
4127 Augusta Dr., Suite 130
Crown Point
, IN 46307
Phone: 219-448-1089
Fax: 847-919-3811
Email: Support (at)

Changes to This Policy
We reserve the right to change this policy at any time. Please check this page and the Site's Terms and Conditions periodically for changes. Your continued use of the Sites following the posting of changes to this Privacy Policy will mean You accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Your Acceptance of These Terms
By agreeing to receive information from Us, by downloading any AG eBook, or by participating in the AG Affiliate Program, you agree to this Privacy Policy. We reserve the right, at our discretion, to change, modify, add, or remove portions of this policy at any time. All Privacy Policy changes will take effect immediately upon their posting on the Sites. Please check this page periodically for changes. Your continued use of the Site or acceptance of any email from AHI following the posting of changes to these terms will mean that you accept these changes. 

Governing Law
This policy and the use of this Site are governed by the laws of the State of Indiana, in the County of Lake, United States. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon online mediator. Any costs and fees (other than attorney fees) associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through online mediation, we agree to submit the dispute to binding arbitration online, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

 In no case shall the User have the right to go to court or have a jury trial. Users will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will final and binding with limited rights of appeal.






Copyright © 2003-2005 by The Abundance Group, LLC.  All Rights Reserved.