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Daniel Enriquez

Biography

Dan Enriquez has been working with small business owners Human Capital management processes for 7 years. He has worked with small businesses from 1 through 1000 employees. One of the major requirements as seen comes down on small businesses over the last 4 years, is a requirement to offer a retirement benefit for employees. Small businesses have a lot of administrational work on their plate already and this requirement adds a significant amount of additional work.

Instead of viewing this requirement as state-mandated work, he has spent the last 3 years working to maximize his knowledge of the actual state sponsored plan as well as a close comparison to a company-sponsored 401k plan. Most importantly, he understands business owners need, to see the benefit of offering a plan themselves and how participating in their own plan can significantly reduce their own tax burden.

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Our Privacy Policy

Welcome! Our Site, netofknowledge.com, is owned and operated by Net of Knowledge Inc., a British Columbia corporation with a registered address at 9113 Shaughnessy Street, Vancouver BC, V6P 6R9, Canada (“Net of Knowledge”).

We respect and value the privacy of everyone who visits Our Site. We understand that your privacy is important to you and that you care about how your personal information is used and shared online. This Privacy Policy applies only to the use of Our Site and describes the personal information collected by us, the uses of this information, how this information may be shared, and the choices and rights you have with respect to this information. It does not extend to any websites that are linked to from Our Site (whether we provide those links or whether other users share them). We have no control over how your data is collected, stored or used by other websites and we advise you to check the privacy policies of any such websites before providing any data to them. Access and use of Our Site is subject to this Privacy Policy. You will be required to read and accept this policy when signing up for an account.

Definitions and Interpretation

In this Privacy Policy the following terms shall have the following meanings:

  • “Account” means an account required to access and use certain areas and features of Our Site.
  • “Cookie” means a small text file placed on your computer or device by Our Site when you visit certain parts of Our Site and when you use certain features of Our Site.
  • “Site” means the website operated by Net of Knowledge, www.netofknowledge.com and any website that may be related thereto.
  • “We/Us/Our” means Net of Knowledge Inc.
  • “Partner” means one of the resellers of the courses and are listed on Our Site.

What Information Do We Collect?

We collect personal information that you provide us and that you provide to our partners when you make a purchase through them. We automatically collect your personal information when you use Our Site. We collect some personal information associated with your device using cookies. We may also receive information about your location. Depending upon your use of Our Site, we may collect some or all of the following personal information about you:

  • full name (provided to us by the Partner you made the purchase through or by you if you signed up directly or update your account);
  • email address (provided to us by the Partner you made the purchase through or by you if you signed up directly);
  • country (provided to us by the Partner you made the purchase through or by you if you signed up directly);
  • phone number (only if provided by you, to contact you about support issues);
  • acupuncture/professional license number and governing body thereof (provided by you and necessary for certificates of completion);
  • IP address (automatically collected so we can refer you to the correct Partner in your region from which to purchase courses and related products); and
  • generic device details such as time zone, screen size, operating system and browser used (automatically collected to give us an overall understanding of how are site is being used and to give you the best possible user experience).

How Do We Use Your Information?

We only use your personal information to provide the best possible products and services to you. This includes:

  • determining the country you are in so that we can refer you to the right Partner in your region to buy courses and related products;
  • providing and managing your Account;
  • providing and managing your access to Our Site;
  • notifying you of important information related to your purchases your Account;
  • personalizing and tailoring your experience on Our Site;
  • supplying Our online courses and services to you;
  • personalizing and tailoring specific content for you, such as generating CEU/PDA certificates;
  • responding to communications from you;
  • contacting you about support issues;
  • using generic device details for internal security purposes;
  • using general device details to assess how our website is being used in order to continue to improve our services (these details are not used to identify specific individuals); and
  • with your permission and where permitted by law, using your personal information for marketing purposes which may include contacting you by email or telephone with information, news and offers on products and services. We will not, however, send you any unsolicited marketing or spam. If you request to receive emails from our partners, we will pass along your email address and name to the partner of your region. We will take all reasonable steps to ensure that we fully protect your rights and comply with our obligations under Canada’s anti-spam legislation, the European Union’s General Data Protection Regulation and the Privacy and Electronic Communications Directive.

How and When Do We Get Your Consent?

If we are required by applicable law to obtain your consent to our collection, use and disclosure of your personal information, we may obtain it either expressly, for stated purposes, or impliedly when the purposes are indicated by the relevant circumstances or follow logically from other stated purposes. By providing us with personal information, you consent to the collection, use and disclosure of personal information relating to those purposes and as permitted or required by law, in accordance with this Privacy Policy.

How and Where is Your Information Stored and When Is It Destroyed?

We only keep your personal information for as long as we need to in order to use it and as long as allowable under applicable law. When you register your Account with us, we will retain your personal information for as long as your Account is active or as long as necessary in order to provide our services to you and to comply with our legal, regulatory, tax and accounting obligations. When you sign up for communication from us, we will retain your personal information for as long as you remain subscribed.

Some or all of your personal information may be stored on our main server in Beauharnois, Canada, our developmental computers in Vancouver, Canada, and on back-up storage that are saved in Amazon’s cloud web services. Some of our service providers are located outside of Canada, including in the United States. Accordingly, your personal information may be transferred outside of Canada and if so, will be subject to the legal requirements of the applicable foreign jurisdictions, including local requirements to disclose information to courts, law enforcement and national security authorities. You are deemed to accept and agree to this by using Our Site and submitting personal information to us.

If you wish to obtain more information about our policies and procedures relating to our transferring and processing personal information outside of Canada, please contact our Privacy Officer in any of the ways described below under “Questions or Concerns”.

Protection Policies in Place

Data security is of great importance to us, and to protect your personal information, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure personal information collected through Our Site.

The steps we take to secure and protect your personal information include:

  • encrypting all traffic to and from our site using HTTPS;
  • setting strong password policies for our users;
  • limiting access to our server to a few individuals who will only access your personal information if they have a specific business purpose for doing so;
  • ensuring offsite back-up storage are encrypted and password protected; and
  • reporting breaches where and how required by law.

Notwithstanding the security measures that we take, it is important to remember that the transmission of personal information data via the internet may not be completely secure. We advise you to take suitable precautions when transmitting personal information to us via the internet.

Do We Share Your Information with Third Parties?

We do not rent or sell your personal information to third parties to use for their own marketing purposes. There are instances where others will have access to some of your personal information in order to manage course purchases, including:

  • the teachers of the courses you have registered for, who will have access to your full name on Our Site;
  • Partners from whom you bought your courses, who will have access to your full name and email on Our Site in order to verify your purchase;
  • the National Certification Commission for Acupuncture and Oriental Medicine (NCCAOM) will receive your first name, last name, email address, and license number(s) if you request a certificate of completion from them; this is because they email the certificates themselves;
  • Kurativz Pvt. Ltd. may have access to your name and email in order to assist you with your support queries;
  • Hosts for events you have registered for may have access to your full name for attendance purposes, and your email if you request an NCCAOM certificate (they are required to submit this to NCCAOM to create your certificate);
  • Any individual to whom we are legally required to share certain data held by us, which may include your personal information, for example, where we are involved in legal proceedings, where we are complying with the requirements of legislation, a court order, or a governmental authority. We do not require any further consent from you in order to share your data in such circumstances and will comply as required with any legally binding request that is made of us.

What Happens If Our Business Changes Hands?

We may, from time to time, expand or reduce our business and this may involve the sale or the transfer of control of all or part of our business. Personal information provided by users will, where it is relevant to any part of our business so transferred, be transferred along with that part and the new owner or newly controlling party will, under the terms of this Privacy Policy, be permitted to use your personal information for the purposes for which it was originally collected by us.

In the event that we transfer any of your personal information to a new owner or new controlling party, we will contact you in advance and inform you of the changes.

What Are Your Rights to Withhold Information and Your Rights to Withdraw Consent After You Have Given It?

You may restrict your internet browser’s use of Cookies; however, in doing so, you may not be able to access parts of Our Site. You may withdraw your consent for us to use your personal information at any time by contacting us at privacy@netofknowledge.com, but in doing so you may not be able to access the courses you purchased. Please note that we will need to keep some personal information for a period to comply with our legal, regulatory, tax and accounting obligations.

How Can You Access or Correct Your Information?

You have the legal right to ask for a copy of any of your personal information held by us and to request the correction of errors or omissions in your personal information that is already in our custody or under our control. Please contact us for more details at privacy@netofknowledge.com

What Cookies Do We Use and What for What Purpose?

Our Site may place and access certain first party Cookies on your computer or device. First party Cookies are those placed directly by us and are used only by us. We use Cookies to facilitate and improve your experience and to provide and improve our products and services. We have carefully chosen these Cookies and have taken steps to ensure that your privacy is protected and respected at all times.

You can choose to enable or disable Cookies in your internet browser. Most internet browsers also enable you to choose whether you wish to disable all cookies or only third party cookies. By default, most internet browsers accept Cookies but this can be changed. For further details, please consult the help menu in your internet browser or the documentation that came with your device.

You can choose to delete Cookies at any time. However, this will affect your ability to access Our Site.

The following first party Cookies may be placed on your computer or device:

  • .AspNet.ApplicationCookie
    • Used to allow you to log into the website
    • Strictly Necessary
  • _RequestVerificationToken
    • Used for security purposes to protect you from cross origin request forgery attacks
    • Strictly Necessary

We do not use any third party cookies or external analytics.

We recommend that you keep your internet browser and operating system up-to-date and that you consult the help and guidance provided by the developer of your internet browser and manufacturer of your computer or device if you are unsure about adjusting your privacy settings.

Children’s Privacy

Our Site is not intended for individuals under the age of the majority. We do not knowingly collect personal information from individuals under the age of the majority, and in the event that we learn that we have collected personal information from such individuals, we will take appropriate steps to delete that information.

Changes to Our Privacy Policy

We may change this Privacy Policy as we deem necessary from time to time, or as may be required by law. Any changes will be immediately posted on Our Site and you will be deemed to have accepted the terms of the Privacy Policy on your first use of Our Site following the alterations. We recommend that you check this page regularly to keep up-to-date.

Contacting Us

If you have any questions or concerns about this Privacy Policy, please contact us by email at privacy@netofknowledge.com.

Our Terms

These terms and conditions constitutes a legal agreement between Net of Knowledge Inc., a British Columbia corporation with a registered address at 9113 Shaughnessy Street, Vancouver BC, V6P 6R9, Canada, and its subsidiaries, affiliates, and licensors (collectively, “Net of Knowledge”), and you. PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY AS THEY CONTAIN IMPORTANT INFORMATION REGARDING YOUR LEGAL RIGHTS, REMEDIES AND OBLIGATIONS.

Terms of Use

Access to and use of the website operated by Net of Knowledge, www.netofknowledge.com and any website that may be related thereto (collectively the “Site”) is governed by these Terms and Conditions, as well as any applicable laws and regulations. By accessing the Site, you hereby agree to adhere to these Terms and Conditions. If you do not agree to these Terms and Conditions, you are not authorized to use or access the content available on the Site.

Net of Knowledge reserves the right to modify the Terms and Conditions without notifying you. Each time you use the Site, the current version of these Terms and Conditions will apply. It is therefore imperative that you check for updates to the Terms and Conditions.

Net of Knowledge reserves the right to deny access to the Site to any person who violates these Terms and Conditions or who, in our sole judgment, infringes on the rights of others.

Access

To access paid content on the Site, you must make the purchase from one of our partner webstores. Net of Knowledge does not bill customers directly. You must provide accurate and complete information about you, as the account holder, and keep your account up to date with the most current information at all times.

You are responsible for the maintenance, confidentiality, and security of your account and all passwords related to your account. You agree to keep your user name and password confidential and your account for your sole and personal use. You are also responsible for any and all activities that occur under your account, including any and all activities of any persons who gain access to your account with or without your permission. You also agree to immediately notify Net of Knowledge when your account has been accessed by a person other than you, and you agree to provide assistance to Net of Knowledge, as reasonably requested, to stop or remedy any breach of security related to your account.

Access to specific content on the Site may change over time, and Net of Knowledge reserves the right to remove any content from the Site as it deems necessary.

Net of Knowledge reserves the right to terminate your account and deny access to Site content including courses.

Live Courses

The Site provides content, some of which is in the form of courses that are streamed live over the Site or through external applications. You hereby acknowledge your understanding that these live online events may be recorded and that you may be recorded as a result. You hereby consent to such recordings and give Net of Knowledge and its affiliates permission to use any images of, and comments made by, you (hereinafter “Personal Content”) captured during these recordings including, but not limited to, reproductions in all the possible permutations in electronic and printed media. You hereby waive your right to review or pre-approve any of the possible formats that the Personal Content may be reproduced.

Continuing Education Credits

It is your responsibility to review the continuing education requirements of your professional association and to complete all of the course requirements in order to obtain your certificate of completion from Net of Knowledge. Net of Knowledge is not responsible for any licensing issues that may result from your failure to complete requirements or submit certificates for licensing renewal.

Privacy

Please review the privacy policy, linked to at the bottom of each page, to understand the information we collect and how we manage and store it to protect your privacy. The privacy policy may be updated from time to time. By continuing to review these Terms and Conditions, you agree that you have read the privacy policy in its current form, and that you will review the privacy policy for updates thereto.

Proprietary Rights

Vis-à-vis you and Net of Knowledge, you understand that all right, title, and interest in and to the Site and all the materials and content thereon is either the property of, or used with permission of their respective owners by, Net of Knowledge, and are protected by applicable copyrights, trade-mark rights, patent rights, trade secrets, or other proprietary rights and laws.

Content

You may print or download approved content from the Site for your personal, non-commercial use only. In any case, you may not remove or alter any copyright, trademark, service mark or other proprietary notices. You may not publish, distribute, retransmit, sell or provide access to the content on the Site. You may not use data mining, robots, screen scraping, or similar data gathering and extraction tools on the Site. You may not decompile, reverse engineer or disassemble any software or other products or processes accessible through the Site, insert any code or product, circumvent technological protection measures, or manipulate any content of the Site.

You agree not to sell, rent, redistribute or sublicense, show in public, modify or reproduce in any form, electronic or otherwise, any of the information on this site unless you have obtained expressed permission by Net of Knowledge.

You agree to use the Site for lawful purposes, and if you at any time become aware of any violation, by any person or entity, of any part of these Terms and Conditions, you will immediately notify us and provide us with assistance to stop or remedy such violation.

You agree that you are responsible for all of comments, audio, video, text or other materials that you posted on the Site by you or under your account (collectively, “UGC”). You may not use the Site, and your account may not be used, to engage in commercial activity or send commercial communications. You may not generate UGC that violates the rights of any third party or contains a virus or other harmful component. You may not use language or engage in any activity that is threatening, abusive, vulgar, discourteous, disruptive, defamatory, amoral, or unlawful.

Disclaimer of Warranties

THE SITE, AND ALL CONTENT THEREON, ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND (EXPRESS, IMPLIED, AND STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE), ALL OF WHICH NET OF KNOWLEDGE EXPRESSLY DISCLAIMS TO THE FULLEST EXTENT PERMITTED UNDER LAW. YOU AGREE AND ACKNOWLEDGE THAT YOU USE THE SITE AT YOUR OWN RISK.

No Liability

You understand that the information, opinions, and viewpoints expressed during courses do not necessarily represent the opinions of Net of Knowledge, and you will not hold Net of Knowledge liable for any claims or information presented, or for the accuracy or completeness of the information; furthermore, you will not hold Net of Knowledge liable for any loss, corruption, or damage incurred as a result of presented information, whether online or otherwise.

You understand that in many of these courses, medical and/or other health information may be presented or made available. You agree that you assume all risks associated with the use of or reliance on that information and that Net of Knowledge and its speakers shall not be held liable for any loses or damage, whether directly or indirectly, as a result of using or reliance on the provided health or medical information.

Under no circumstances, including, but not limited to, negligence, shall Net of Knowledge be liable for any direct, indirect, special, incidental, consequential, or other damages, including but not limited to, loss of programs, loss of data, loss of use of computer or other systems, or loss of profits - whether or not Net of Knowledge is advised of the possibility of such damages arising from your use - or inability to use, the content, materials, or functions of this site or any linked website.

Indemnification

You agree to indemnify, defend and hold harmless Net of Knowledge, its officers, affiliates, employees, representatives, and agents from and against any suit, action, liability, or proceeding in connection with any third party claim and/or complaint to which we may be exposed. You agree in this regard, to accept exclusive liability for any sums, damages, costs, lawyers’ fees and court costs for which we may be held liable arising from your use or misuse of the Site, your violation of any rights of any third party, or your violation of these Terms and Conditions.

Third Party Links

Net of Knowledge may provide links from the Site to other websites which are independent of Net of Knowledge. Users should be aware that in linking to these outside websites, they are leaving Net of Knowledge’ website and that Net of Knowledge is not responsible for the content of any other site. You acknowledge and agree that Net of Knowledge is not responsible for any damages or losses to you or any other person caused or alleged to have been caused by your use of any of these sites, or from the products, content, material or information presented by or available through these sites.

Technical

You agree to ensure you have the most recent version of a browser installed and that your computer and/or mobile settings are up-to-date for the optimal viewing experience. You will also ensure you have proper audio with speakers and a computer or device that is able to play high speed video.

Net of Knowledge will not be held liable for technical issues or inability to watch online courses due browser, mobile, or computer streaming issues, or use of out-of-date hardware or browsers.

You agree that any video or audio viewing issues derived from watching a webinar or course that do not originate specifically on the Net of Knowledge platform are not the responsibility of Net of Knowledge. While the technical support team at Net of Knowledge will make every effort to troubleshoot such issues, if they are due to the user’s computer, device, or internet connection, Net of Knowledge will not be held responsible for such issues.

If a technical issue is encountered that cannot be resolved by reviewing the Help Section, you agree to report the issue to Net of Knowledge’s Technical Support Team, either by an email or online ticket. Net of Knowledge will not be deemed liable for any unreported technical issues, if a solution cannot be found, or if it cannot be found in a set timeframe. Net of Knowledge will not be held responsible for any associated losses or damage as a result.

Termination

Net of Knowledge reserves the right to remove your access to all or part of the Site at its sole discretion, and without notice, and shall not be held liable for any consequences that may arise as a result. There may be instances where content may need to be removed from the Site, and Net of Knowledge reserves the right to do so for any reason.

Cancellation Policy

Recorded courses are immediately accessible after purchase. Therefore, there are no refunds provided for course cancellations.

Severability

If any provision of these Terms and Conditions is deemed unlawful, or for any reason unenforceable, then that provision is severable from these Terms and Conditions and shall not affect the validity and enforceability of any remaining provisions.

Governing Law and Forum

These Terms and Conditions shall be governed and construed in accordance with the laws of the Province of British Columbia and the laws of Canada applicable therein, excluding its conflict of law rules. You expressly consent and agree to submit to the exclusive jurisdiction and venue in the provincial and federal courts located in British Columbia.

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