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***Legal Disclaimer***Privacy Policy***Terms & Conditions**

This Disclaimer is for  “Kovach Services” and “Japan Bible Institute Ministries” and the “Network of Websites” Owned by Kovach Services as they are often linked together as their services compliment each other

Software/e-Books & Information Products

All Software/e-Books & Information Products found within the Network of websites owned by Kovach Services are copyright protect by their individual authors and owners (and in most cases have their own disclaimers) and some of the content, graphics and e-Books are copyright protected by Kovach Services. (Atsugi, Japan)

The informational and instructional material contained in the Software/e-Books & Information Products is believed to be reliable, helpful and professionally compiled. But “Kovach Services” and it’s network of websites cannot be held responsible for the correctness, accuracy or reliability of the information contained in these products. Some of the Software/e-Books & Information Products are written about professional matters of banking, finances, reality, accounting, health, diet and self-help. The contents of these products are provided as information only. They are not intended to viewed or taken as legal or professional advice on any of the topics mentioned above of for that matter any topic. Those seeking professional advice should seek the services of competent professionals. Kovach Services will not be held responsible for the outcome or consequences resulting from your actions or usage of the informational material contained in these Software/e-Books & Information Products. Responsibility for the use of any and all information contained in these Software/e-Books & Information Products is strictly and solely the responsibility of that of the user. Kovach Services encourages you to exercise discretion, any reliance upon any Materials shall be at your sole risk.

It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, opportunities, services or other information provided on the Kovach Services/JBIM Network of Websites or Information Products being sold. All information contained with in these web pages is with the understanding that the authors and publishers are not rendering legal or professional advice, and accordingly assume no liability whatsoever in connection with its use. Again consult a competent professional for your personal situation.

The Software/e-Books & Information Products and content of the Kovach Services/JBIM Network of Websites contain internet marketing strategies, search engine submission and advertising strategies, classified Ad sites, Website and Graphic Design, Educational Products, ezine advertising and Job Finding sites. Business opportunities, Online Opportunities, MLM programs & Health Products. Kovach Services/JBIM makes no implications, warranties or guarantees whatsoever, in whole or in part, that by reading, following, applying, (or joining any affiliate program) or adhering to any program or information found written anywhere within Kovach Services Network of Websites will bring you financial gain, success or whatever the topic or content in question may appear to imply. Again these are only services and informational products and we can not guarantee any financial gain by your usage of them. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided with in these website pages and information products.

The success or outcome of any program or service is the responsibility of the end user and the decisions or efforts he/she personally makes. (Buying a lawnmower will help you to cut grass but it will not build you a lawn mowing business. Personal effort is required.) But in this case we are not even guaranteeing that our services or products will bring you financial gain even if you work hard and apply your self. The products are strictly for informational purposes and the services are on a “as is” basis with no guarantee as to the end results.

Kovach Services assumes no responsibility for any losses or damages (including but not limited to loss of data or computer problems, or profits; or business interruption) resulting from your use of any Software/e-Books & Information Products or services in any form whatsoever.

Furthermore although we take every precaution to scan for viruses Kovach Services cannot and does not guarantee or warrant that files available for downloading from our Network of Websites are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. By downloading from our websites you agree to not to hold Kovach Services responsible in the event of viruses or damages caused to your computer or data due to such problems.

Our Advertising and Classified Ad Posting Policy.

We reserve the right to REFUSE ALL Adult Sites, Gambling Sites or Adult Entertainment and Adult Product Sites. Illegal or Stolen Software Sites, Racist or Hate Sites, or any illegal site or illegal program. Or anything that violates national or international law. Although we try to check the ad postings you must understand that Kovach Services has no obligation to monitor Message Boards or Classified ads and shall not be held liable for any improper or incorrect use of the Posting Boards.

By Advertising with us in the Kovach Services/JBIM Network of Websites. You must first understand that advertising has it’s risks and outcomes vary due to many unforeseeable or unpredictable circumstances. And there are may factors as to the success of any given advertising campaign. (A lot depends on how an ad is written or the quality of the content of a website as to how a search engines will list it. And of course Search Engine policies are always changing.)

Kovach Services/JBIM Network of websites does not guarantee your ad will be financially or otherwise successful for you. Nor that your website will receive a top search engine listing. You, as the advertiser, must understand and accept that there is a risk in any form of advertising and you must agree not to hold Kovach Services or their Network of Websites responsible for any lack of results, financial or otherwise from your advertising champagne. You must assume the risk and agree that it is your responsibility before advertising with us.

Website Templates and Graphics

Kovach Services original website templates and graphics are copyright protected by Kovach Services. Originally Designed Graphics & Templates which are purchased from Kovach Services become the the property of the purchaser to be used on their personal websites and are not to be resold unless otherwise stated on the individual graphic set. Kovach Services reserves the right to display originally designed & sold graphics on their network of websites as samples of it’s own work.

Kovach Services also sells third party website templates and each one has their own set of terms and conditions which must be followed and adhered to.

What and How information gathered on our websites from visitors:

The method in which we collect and store information largely depends on the Website page your are visiting and the Service or information you’re buying or subscribing to.

For example, when making a purchase through one of our third party merchant accounts you will be asked for your credit card information and your name and address. We will receive your name, address and email address from the Credit Card processor to check payment and order records and we store these on our hard drive. When you apply for a paid service we also ask for your full name, mailing address and email address. When you sign up for an account on one of our classified ads pages or Job/Finder pages the script logs in your contact information and this information is stored on our servers. When you subscribe to one of our ezines (Newsletters) or auto responder courses we ask for your full name and valid email address. These are stored on our server and backed up on our harddrive. In certain cases you may have applied to our job/finding services or offering donations to our volunteer work, in which case we may also contact you by phone.

Under NO circumstances whatsoever is your personal name, tel.#, address and email address EVER sold of given to others. We strictly protect your privacy. (But at the same time you must also understand by posting your name and personal information on one of our Public Classified ad pages you will be exposing your personal information to 3rd parties beyond our control. Which is one of the risks of advertising.) Please take care that anything you disclose does not compromise your personal safety.

Like most Internet Service Providers our server automatically collects IP addresses and in certain cases websites address from which visitors were referred. Some of our advertising sites and links from our pages use cookies to track sales and to enable you to remember your ID and Password. Our affiliate program also uses cookies to track sales. You can disable your browser to receive cookies if you so desire.

We use this personal information gathered about you to (if needs be) contact you about the service, program or ezine you subscribed to. All of our auto courses and ezines come with an unsubscribe link and we honor all removals.

Kovach Services does not knowingly collect information from those wanted by the law or underage children. If such accounts are discovered they will be deleted from our data base immediately. We strive to uphold the law and a high standard of internet etiquette.

These terms & conditions are subject to change and may be updated with new technology. At which time we will post the changes.

Kovach Services (and their Network of Websites)

Ken Kovach

Tomuro 4-20-29

Atsugi, Kanagawa

Japan 243-0031

Stripes Processing of personal data.How We Collect, Disclose, and Use Personal Data

Is Stripe acting as a data controller or a data processor?

The answer is both.The “data controller” is the entity which determines the purposes and means of the data processing taking place. The “data processor” is an entity acting on behalf and under the instructions of a controller in processing personal data.Stripe is a data controller when it determines the purposes and means of the processing taking place. These data processing activities include (1) providing the Stripe products and services, (2) monitoring, preventing and detecting fraudulent payment transactions and other fraudulent activity on the Stripe platform, (3) complying with legal or regulatory obligations applicable to the financial sector to which Stripe is subject, and (4) analyzing, developing and improving Stripe’s products and services. Please see this Privacy Center article for more information on Stripe’s controller activities.Stripe is a data processor where it is facilitating payment transactions on behalf of and at the direction of a Stripe User. Our Users direct us to take payment from cardholders – Stripe is considered a processor when directed to process payments, i.e., Stripe receives instructions about whom to pay, how much to pay, when to pay.As a platform provider, we need to ensure consistency across our platform, and that includes consistency with respect to the commitments that we give about how we operate our platform. We contract with all of our Users (including some of the world’s largest companies) on this basis.

For further questions or inquiries please free to contact us.