Privacy Policy

Greetings from Prayer of the Day  and welcome to our site! We extend the following information to assure you,

our guest, that we are concerned about and respect your privacy while visiting our Web site. Prayer of the Day 

will never sell, lease or rent your confidential information. However, if it is necessary, we will share information for legal

reasons. We will always endeavor to take steps to assure that any information you provide to us will remain secure. We

want you to feel safe in your online experience while visiting our site. We therefore request that you take a moment to

review the following valuable information.

Collection of Information

Prayer of the Day  does not collect personal information without your knowledge during your visit to our Web

sites. However, Prayer of the Day  does at times ask that you provide us with personal information while

online. The type of information we collect typically, but not always, corresponds directly with the service you request. For

instance, you can make donations, when requested you can offer your thoughts, opinions, prayers, concerns, ideas,

personal experiences, questions and/or suggestions to our resources, contests, or you can request that a resource be sent

to you directly from our Online Resource Center. As a visitor, the personal information you provide may also be used to

improve the usability of, and information available on, our sites. In other words, at times we will ask you for more

information, beyond just your name and contact information, than is needed to facilitate our response to your specific

request. Your provision of such additional information is your acknowledgement that you consent to our use of such

information to better serve you, our visitor, and others coming to our sites. We also have a Privacy Policy for Children

that parents may be interested in reviewing.

Prayer of the Day  does not sell, lease or rent your confidential information. However, we may need to disclose

personal information as required by law, such as a law, regulation, court order, subpoena, search warrant, in the course

of a legal proceeding or in response to a law enforcement agency request, to enforce our Terms of Service, or site rules;

or to protect the safety and security of our visitors and our sites.

Security

Our Web site's ecommerce system uses SSL encryption to protect sensitive data transmissions from your computer to our

Web site. You are able to see when the SSL encryption is active either by the "padlock" icon at the bottom of your

browser's window or by a blue line around the window. In certain areas, password protection is used to protect your

privacy and security.

Changes

Prayer of the Day  reserves the right to make changes to this privacy policy at any time and requests that you

review this policy for updates.

Questions or Suggestions

Please direct all questions or comments regarding this privacy policy to Tracy@GodIsMyRefuge.net . This Web site may

provide links to external Web sites maintained by individuals or organizations external to Prayer of the Day .

Once you access information that links you to another Web site, you are subject to the privacy policy of the Web site

containing the information you have linked to.

ADDITIONAL INFORMATION ABOUT OUR ONLINE RESOURCE CENTER WEBSITE:

Cookies

A small piece of data that a website can store on your system is referred to as a "cookie." Cookies are often used to

enhance your online experience. Many browsers recognize when a cookie has been sent to your computer and will give

you the option to refuse or allow it. Within the Online Resource Center, we use two different cookies. Below are details

regarding how these two cookies are used by our web site. Please be aware that we do not use cookies to track a user's

navigation through our Web site.

Account Registration

When you request a resource we require that you provide us certain information that allows us to complete your

transaction. This information is used to create a unique account within our Online Resource Center. Following account

registration, a "cookie" is used to automatically identify you as a registered user when you are browsing the Online

Resource Center (you have the option of declining this cookie during account registration if desired).

TERMS AND CONDITIONS OF USE

We have taken every effort to design our Web sites to be useful, informative, helpful, honest and fun. Hopefully we've

accomplished that — and would ask that you let us know if you'd like to see improvements or changes that would make it

even easier for you to find the information you need and want.

Prayer of the Day  exists to bring families closer to each other and to our Creator. Our sites are based on a set

of foundational Christian beliefs which you may want to review. We make no apologies for holding a Judeo-Christian

perspective of marriage, family and the value of life and children. Thanks for your openness to respectfully consider our

viewpoints. We appreciate your courtesy! To find out more about our organization, please visit About Us.

All we ask is that you agree to abide by the following Terms and Conditions. Take a few minutes to look them over

because by using our sites you automatically agree to them. Naturally, if you don't agree, please do not use the sites. We

reserve the right to make any modifications that we deem necessary at any time. Please continue to check these terms to

see what those changes may be! Your continued use of the Prayer of the Day  Web sites means that you accept

those changes.

THANKS AGAIN FOR VISITING!

Restrictions on Use of Our Online Materials

All materials contained in the Prayer of the Day  Web sites (“Online Material”) are the copyrighted property of

Prayer of the Day . All trademarks, service marks, and trade names are proprietary to God Is My Refuge

Ministries. No Online Material from our Web sites may be copied, reproduced, republished, uploaded, posted,

transmitted, or distributed in any way, except that you may download one copy of the materials on any single computer for

your personal, noncommercial home use only, provided that you 1) retain all copyright, trademark and propriety notices,

2) you make no modifications to the materials, 3) you do not use the materials in a manner that suggests an association

with any of our products, services, events or brands, and 4) you do not download quantities of materials to a database,

server, or personal computer for reuse for commercial purposes. You may not, however, copy, reproduce, republish,

upload, post, transmit or distribute our Online Material in any way or for any other purpose unless you get our written

permission first. Neither may you add, delete, distort or misrepresent any content on the Prayer of the Day 

sites. Any attempts to modify any Online Material, or to defeat or circumvent our security features is prohibited.

Everything you download, any software, plus all files, all images incorporated in or generated by the software, and all

data accompanying it, is considered licensed to you by Prayer of the Day  or third-party licensors for your

personal, non-commercial home use only. We do not transfer title of the software to you. That means that we retain full

and complete title to the software and to all of the associated intellectual-property rights. You're not allowed to

redistribute or sell the material or to reverse-engineer, disassemble or otherwise convert it to any other form that people

can use.

Submitting Your Online Material to Us

All remarks, suggestions, ideas, graphics, comments, or other information that you send to Prayer of the Day 

through our sites (other than information we promise to protect under our Privacy Policy), becomes and remains our

property, even if this agreement is later terminated.

That means that we don't have to treat any such submission as confidential. You can't sue us for using ideas you submit. If

we use them, or anything like them, we don't have to pay you or anyone else for them. We will have the exclusive

ownership of all present and future rights to submissions of any kind. We can use them for any purpose we deem

appropriate to our Prayer of the Day  mission, without compensating you or anyone else for them.

You acknowledge that you are responsible for any submission you make. This means that you (and not we) have full

responsibility for the message, including its legality, reliability, appropriateness, originality, and copyright.

Information About Health

Information accessible on this site is not intended to substitute for professional medical advice and information.

Information provided is general in nature and may be helpful to some people but not others, depending upon their

personal medical needs. This is why you should always consult with your personal physician prior to changing or

undertaking a new diet, exercise program or following advice designed for general audiences only. Your physician is

typically best able to evaluate whether or not a specific health suggestion or potential course of treatment is best for you.

Advance consultation with your physician is especially important if you are under eighteen (18), pregnant, nursing a baby,

or have health problems. Never disregard professional medical advice or delay to seek it because of something you may

have read on this site.

Limitation of Liability

Prayer of the Day  WILL NOT BE LIABLE FOR ANY DAMAGES OR INJURY THAT ACCOMPANY OR

RESULT FROM YOUR USE OF ANY OF ITS SITES.

THESE INCLUDE (BUT ARE NOT LIMITED TO) DAMAGES OR INJURY CAUSED BY ANY:

USE OF (OR INABILITY TO USE) THE SITES

USE OF (OR INABILITY TO USE) ANY SITE TO WHICH YOU HYPERLINK FROM OUR SITES

FAILURE OF OUR SITES TO PERFORM IN THE MANNER YOU EXPECTED OR DESIRED

ERROR ON OUR SITES

OMISSION ON OUR SITES

INTERRUPTION OF AVAILABILITY OF OUR SITES

DEFECT ON OUR SITES

DELAY IN OPERATION OR TRANSMISSION OF OUR SITES

COMPUTER VIRUS OR LINE FAILURE

PLEASE NOTE THAT WE ARE NOT LIABLE FOR ANY DAMAGES, INCLUDING:

DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY

DAMAGES REASONABLY EXPECTED TO RESULT FROM A LOSS OR INJURY (KNOWN IN LEGAL TERMS AS

"CONSEQUENTIAL DAMAGES.")

OTHER MISCELLANEOUS DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY

(KNOWN IN LEGAL TERMS AS "INCIDENTIAL DAMAGES.")

WE ARE NOT LIABLE EVEN IF WE'VE BEEN NEGLIGENT OR IF OUR AUTHORIZED REPRESENTATIVE HAS

BEEN ADVISED OF THE POSSIBILITIY OF SUCH DAMAGES OR BOTH.

EXCEPTION: CERTAIN STATE LAWS MAY NOT ALLOW US TO LIMIT OR EXCLUDE LIABILITY FOR THESE

"INCIDENTAL" OR "CONSEQUENTIAL" DAMAGES. IF YOU LIVE IN ONE OF THOSE STATES, THE ABOVE

LIMITATION OBVIOUSLY WOULD NOT APPLY WHICH WOULD MEAN THAT YOU MIGHT HAVE THE RIGHT

TO RECOVER THESE TYPES OF DAMAGES.

HOWEVER, IN ANY EVENT, OUR LIABILITY TO YOU FOR ALL LOSSES, DAMAGES, INJURIES, AND CLAIMS

OF ANY AND EVERY KIND (WHETHER THE DAMAGES ARE CLAIMED UNDER THE TERMS OF A

CONTRACT, OR CLAIMED TO BE CAUSED BY NEGLIGLENCE OR OTHER WRONGFUL CONDUCT, OR

THEY'RE CLAIMED UNDER ANY OTHER LEGAL THEORY) WILL NOT BE GREATER THAN THE AMOUNT

YOU PAID TO ACCESS OUR SITES.

Links to Other Sites

We sometimes provide referrals to and links to other World Wide Web sites from our sites. Such a link should not be seen

as an endorsement, approval or agreement with any information or resources offered at sites you can access through our

sites. If in doubt, always check the Uniform Resource Locator (URL) address provided in your WWW browser to see if

you are still in a Prayer of the Day -operated site or have moved to another site. Prayer of the Day 

is not responsible for the content or practices of third party sites that may be linked to our sites. When God Is My Refuge

Ministries provides links or references to other Web sites, no inference or assumption should be made and no

representation should be inferred that Prayer of the Day  is connected with, operates or controls these Web

sites. Any approved link must not represent in any way, either explicitly or by implication, that you have received the

endorsement, sponsorship or support of any Prayer of the Day  site or endorsement, sponsorship or support of

the ministry of Prayer of the Day , including its respective employees, agents or directors.

Monitoring Online Postings

Prayer of the Day  shall have the right to monitor and review the content of any discussions, chats, forums,

postings, transmissions and bulletin boards, although Prayer of the Day  is not under legal obligation to do so.

As a Christian organization we uphold specific foundational beliefs. We expect visitors to our sites, and anyone using our

communication tools to adhere to a sense of decency and decorum that we deem appropriate. We are the sole authority on

questions of appropriateness. Naturally, Prayer of the Day  assumes no responsibility or liability arising from

the content of an online posting. However, we do specifically prohibit you or any visitor from posting or transmitting any

unlawful, threatening, libelous, obscene, scandalous, inflammatory, pornographic, or profane material or any material

that could constitute or encourage what could be considered a criminal offense, give rise to civil liability or otherwise

violate any law. Prayer of the Day  will fully cooperate with authorities or court orders requesting details of

criminal postings. Prayer of the Day  shall have the right in its sole discretion to edit, refuse to post or remove

any material submitted to or posted on any Prayer of the Day  web site. Prayer of the Day  shall

have the right to remove any material that it determines to be in violation of these provisions or otherwise objectionable.

In addition, children 12 and under are not authorized to post messages or participate in Prayer of the Day  

Web site unless the site has been specifically designed for them and all appropriate parental notification and approval

devices have been complied with fully. For more information see our Privacy Policy.

Termination of This Agreement

This agreement is effective until terminated by either party. You may terminate this agreement at any time, by destroying

all materials obtained from all Prayer of the Day   sites, along with all related documentation and all copies and

installations. Prayer of the Day   may terminate this agreement at any time and without notice to you, if, in its

sole judgment, you breach any term or condition of this agreement. Upon termination, you must destroy all materials. In

addition, by providing material on our Web sites, we do not in any way promise that the materials will remain available to

you. And Prayer of the Day   is entitled to terminate all or any part of any of its Web sites without notice to you.

Jurisdiction and Other Points to Consider

Unless otherwise specified, the Online Materials on our sites are presented to provide information about the resources of

Prayer of the Day  . The Prayer of the Day   was organized under the laws of South Carolina, in the

United States of America. If you use our sites from locations outside of the United States, you are responsible for

compliance with any applicable local laws. These Terms of Use, and the agreement they create, shall be governed by and

interpreted according to the laws of the State of South Carolina (without applying the state's conflict-of-law principles.) If

any provision of this agreement is unlawful, void or unenforceable, it will not affect the validity and enforceability of any

remaining provisions. Prayer of the Day   may modify these Terms of Use, and the agreement they create, at

any time, simply by updating this posting and without notice to you. This is the ENTIRE agreement regarding all the

matters that have been discussed.