About Life-Navigation and Mr. Pritz Dulay's views on "One World - One People"

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Introduction
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Terms and Conditions
TERMS OF USE
These terms of use (“TOU”, Terms and Conditions, Disclaimer, Privacy Statement) apply to your purchase of products or services from Life-Navigation c/o GKG Radgjof Inc (“LN”).  LN reserves the right to change the TOU at any time, without notice.  The latest version of the TOU can be reviewed on this page.  If you continue to use this website after LN posts changes to these TOU, you are signifying your acceptance of the new terms. Please read this section carefully to understand the TOU.

Description of Services and Products
Through its website, LN provides you with access to various resources, including communication and information through the website (“Information”) and purchase of products and services (“Products”).   Information and Products are subject to the TOU.

Information on the Website
Whilst every effort is made to update the information contained on this website, neither LN nor any third party or data or content provider make any representations or warranties, whether express, implied in law or residual, as to the sequence, accuracy, completeness or reliability of information, opinions, any share price information, research information, data and/or content contained on the website (including but not limited to any information which may be provided by any third party or data or content providers) ("information") and shall not be bound in any manner by any information contained on the website. LN reserves the right at any time to change or discontinue without notice, any aspect or feature of this website. No information shall be construed as advice and information is offered for information purposes only and is not intended for trading purposes. You and your company rely on the information contained on this website at your own risk. If you find an error or omission at this site, please let us know.

Trade Marks
The trade marks, names, logos and service marks (collectively "trade marks") displayed on this website are registered and unregistered trade marks LN. Nothing contained on this website should be construed as granting any license or right to use any trade mark without the prior written permission of LN.

External Links
External links may be provided for your convenience, but they are beyond the control of LN and no representation is made as to their content. Use or reliance on any external links and the content thereon provided is at your own risk. When visiting external links you must refer to that external websites terms and conditions of use. No hypertext links shall be created from any website controlled by you or otherwise to this website without the express prior written permission of LN. Please contact us if you would like to link to this website or would like to request a link to your website.

Public Forums and User Submissions
LN is not responsible for any material submitted to the public areas by you (which include bulletin boards, hosted pages, chat rooms, or any other public area found on the website. Any material (whether submitted by you or any other user) is not endorsed, reviewed or approved by LN. LN reserves the right to remove any material submitted or posted by you in the public areas, without notice to you, if it becomes aware and determines, in its sole and absolute discretion that you are or there is the likelihood that you may, including but not limited to -
1. defame, abuse, harass, stalk, threaten or otherwise violate the rights of other users or any third parties;
2. publish, post, distribute or disseminate any defamatory, obscene, indecent or unlawful material or information;
3. post or upload files that contain viruses, corrupted files or any other similar software or programmes that may damage the operation of LN's and/or a third party's computer system and/or network;
4. violate any copyright, trade mark, other applicable Icelandic or international laws or intellectual property rights of LN or any other third party;
5. submit contents containing marketing or promotional material which is intended to solicit business.

Specific Use
You further agree not to use the website to send or post any message or material that is unlawful, harassing, defamatory, abusive, indecent, threatening, harmful, vulgar, obscene, sexually orientated, racially offensive, profane, pornographic or violates any applicable law and you hereby indemnify LN against any loss, liability, damage or expense of whatever nature which LN or any third party may suffer which is caused by or attributable to, whether directly or indirectly, your use of the website to send or post any such message or material.

Warranties
THIS WEBSITE IS FOR INFORMATIONAL PURPOSES ONLY.  THE INFORMATION FOUND ON THIS WEBSITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, AND LN AND/OR ITS DEALERS, ASSOCIATES, AGENTS AND LICENSORS HEREBY DISCLAIM ALL WARRANTIES WITH REGARD TO INFORMATION OR PRODUCTS INCLUDING ALL WARRANTIES OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, EXPECTATIONS OF PRIVACY OR INFRINGEMENT.

LN AND/OR ITS DEALERS, ASSOCIATES, AGENTS, LICENSORS DO NOT WARRANT THAT THE FUNCTIONS OF THIS WEB-SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB-SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES. LN AND/OR ITS DEALERS, ASSOCIATES, AGENTS, LICENSORS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE INFORMATION IN THIS WEB-SITE IN TERMS OF ITS CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.  

Limitation of Liabilities
IN NO EVENT SHALL LN AND/OR ITS DEALERS, ASSOCIATES, AGENTS, LICENSORS BE LIABLE FOR ANY SPECIAL, INDIRECT, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, CORRUPTION OF DATA, OR LOSS OF PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AND PRODUCTS.
THE TOTAL LIABILITY OF LN AND/OR ITS DEALERS, ASSOCIATES, AGENTS AND LICENSORS UNDER ANY PROVISION OF THESE TOU, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, SHALL BE LIMITED TO THE TOTAL DOLLAR AMOUNT ACTUALLY PAID FOR THE INFORMATION OR PRODUCTS GIVING RISE TO THE LIABILITY.

Return Policy
Any Product that is returned for a cash refund must be in the original packaging, undamaged and resalable.  A restocking fee will also apply for all returned Products.  You are responsible for risk of loss, shipping and handling fees for returning Product.
In situations in which physical attempt to deliver a package is unsuccessful due to vendor shipping beyond our control we reserve the right to replace your order with a digital version equal to your order to satisfy your purchase.

Cancellations
Requests for cancellation of any monthly billing must be in writing and mailed to Life-Navigation, c/o GKG Radgjof, Inc. at Skipholti 50D, 107 Reykjavik, Iceland.  You may decide to cancel at any time, but charges will not be prorated.  You must cancel before your billing date in order to avoid a charge for the following month.
Any Memberships with LN must be cancelled either by mail to the address listed above or on-line.  To cancel your membership please email customer service at info@life-navigation.com
Coaching Program Memberships must be cancelled by mail to the address listed above or by e-mail to info@life-navigation.com. Coaching Memberships may be cancelled at any time; however, Coaching Membership fees are nonrefundable.  If you are not actively participating in your Coaching Membership, including but not limited to coaching sessions, then LN will offer you a thirty (30) day courtesy period to fully engage in your Coaching Membership. If you fail to reengage within this thirty (30) day period, then your Coaching Membership will be deemed cancelled.

No Unlawful Use
By using the Information and Products, you agree that you will not use the Information or Products for any purpose that is unlawful or prohibited by these TOU.  You agree to comply with all applicable laws, rules and regulations from Iceland or the country in which you reside.

PRIVACY STATEMENT
For each visit to its website, LN only collects your IP address in order to monitor website traffic.  LN does not collect personal information from you unless you voluntarily provide it to LN.  You voluntarily provide your e-mail address when you submit information through the web-site.  For example, LN collects your e-mail address when you complete online web forms, communicate with LN by e-mail.  It is completely optional for you to participate in the foregoing.   
The information LN collects is used to improve the content of its website, to notify you about updates to its website and for marketing purposes that target your specific needs.  LN does not use cookies to retrieve information from your computer.
We do not share, rent or sell any personal information about you to any third parties.  We do not share, rent or sell your e-mail address or any other contact information to third parties.  LN will not disclose any personal information about you except when you give authorization, or when LN is required to do so by law.
Periodically, LN may send you information regarding products, services or upcoming events through direct mailings or e-mails.  If you do not want to be included on LN’s marketing lists, you may opt out through the unsubscribe link at the bottom of the emails, by sending an e-mail to info@life-navigation.com or by mail to Life-Navigation, c/o GKG Radgjof, Inc. at Skipholti 50D, 107 Reykjavik, Iceland stating that you do not want to be included on LN’s marketing list.  
Other third party web-sites may be accessed through LN’s web-site.  The privacy practices of third party web-sites are not covered by LN’s privacy statement and LN is not responsible for the privacy practices or content of other third party web-sites.
LN does not claim ownership of materials you provide to LN, including testimonials or comments or diaries regarding any product or service for review by visitors of the web-site (“Testimonial”).  However, by posting a Testimonial you are granting LN permission to use your Testimonial in connection with promoting its products and services on the web-site.  You will not be compensated for your Testimonial and LN is not required to use your Testimonial. LN may remove your Testimonial at any time.
By using the web-site, you consent to the collection of information as outlined in this Privacy Statement.  LN reserves the right to change this Privacy Statement at any time.
If you would like to contact us regarding this Privacy Statement, please write to us at Life-Navigation, c/o GKG Radgjof, Inc. at Skipholti 50D, 107 Reykjavik, Iceland.