Effective Date

:

July 02

,

2014

To review

material changes

and their effective dates

to this Privacy Policy, scroll to the bottom of the

page.

SunTopaz, LLC owns and operates this

www.suntopaz.com

,

http://carolchapmanlive.com

,

www.carolechapman.com

,

http://yucatanpeninsulatravel.com

,

www.inspirationalquoteswallpaper.com

,

and

www.carolchapmangifts.com

website

.

All references to “we”, “us”, this “website” or this “site” shall

be construed

to mean SunTopaz

.

We u

nderstand that visitors to th

ese

website

s

are concerned about

the privacy of information. The following describes our privacy policy regarding information, including

Personal Information (defined below), that we collect through this website.

By using this

website you

are accepting the practices described in this Privacy Policy.

HOW WE MODIFY THIS PRIVACY POLICY

We reserve the right to modify this Privacy Policy at any time, and without prior notice, by posting an

amended Privacy Policy that is always acce

ssible by clicking on the

“Privacy Policy” link on this site’s

home page

. Your continued use of this site indicates your acceptance of the amended Privacy Policy.

You should check the Privacy Policy through this link periodically for modifications by sc

rolling down to

the bottom of the Privacy Policy for a listing of material modifications and their effective dates.

Regarding Personal Information (defined below), if any modifications are materially less restrictive on

our use or disclosure of the Person

al

–

Covered

Information previously disclosed by you,

we will

post a

notice in

the amendments of

this Privacy Policy

.

THE TYPES OF INFORMATION WE COLLECT

Personal Information.

We collect information from you that is protected for purposes of privacy and

da

ta security (“Personal Information”).

Personal Information that we collect may vary with each

separate purpose for which you provide it, and it may include one or more of the following categories:

name, email address, phone number, screen name,

website add

ress,

and

cookies.

Non

–

Personal Information.

We reserve the right to collect anonymous information such as your browser

type, the URL of the previous website you visited, your computer’s operating system and Internet

protocol (IP) Address, Internet domain

and host name, your Internet Service provider, your clickstream

data, and the dates and times that you may access this site and specific pages (“Non

–

Personal

Information”).

Non

–

Personal Information is essentially anonymous when collected

; however, it’s

po

ssible that Non

–

Personal Information could be used to identify you.

HOW AND WHEN WE COLLECT INFORMATION

Personal Information.

We collect Personal Information at the time you provide it to us.

We collect

Personal Information through sign

–

up forms and as

part of your registration for an account, product, or

service from this website.

Personal Information that we collect may vary with each sign

–

up or

registration.

Your Communications With Us.

We collect Personal Information that we receive from you as you

communicate with us.

Passive and Analytical Information.

We reserve the right to monitor your use of this site.

As you navigate

through this site, Non

–

Personal Information may be passively collected (that is, gathered without your

actively providing the i

nformation) using various analytics and reporting technologies, such as cookies

and web beacons.

HOW WE USE YOUR INFORMATION

We use your Personal Information for the performance of the services or transaction for which it was

given, our private, internal

reporting for this site, and security assessments for this site.

We may use your Personal Information to send you emails and/or pre

–

recorded phone messages.

We reserve the right to make full use of Non

–

Personal Information.

For example, we may use Non

–

P

ersonal Information to provide better service to site visitors, customize the site based on your

preferences, compile and analyze statistics and trends about the use of this site, and otherwise

administer and improve this site for your use.

INFORMATION S

HARING AND DISCLOSURE

General Disclosure Policy.

Our general policy is that we will not share, sell, rent, or provide access to

your Personal Information to others.

The only exceptions to this general policy: (i) are described in the

subsections below, an

d (ii) if you explicitly approve through our site. We reserve the right to disclose

Non

–

Personal Information without restriction.

Disclosure to

Affiliated Entities.

We reserve the right to provide your Personal Information and Non

–

Personal Information to

any affiliated entities we may have, including our subsidiaries.

Affiliated entities

are entities that we legally control (by voting rights) or that control us.

Disclosure to

Service Providers

for Website Operations

.

We reserve the right to provide access

to your

Personal Information and Non

–

Personal Information to our trusted service providers that assist us with

the operation and maintenance of this site.

For example, we may contract with third parties to process

payments, host our servers, provide secur

ity, and provide production, fulfillment, optimization,

analytics, and reporting services.

Our service providers will be given access to your information only as is

reasonably necessary to provide the services for which they are contracted.

Disclosure to

Successors.

If we sell or otherwise transfer part or all of our business or assets to another

organization, such as in the course of an acquisition, merger, bankruptcy or liquidation, we may transfer

your Personal Information and Non

–

Personal Information.

In such an event, we will require the buyer or

transferee to agree to our commitments provided in this Privacy Policy.

Disclosure Incident to

Legal Process, Enforcement and Security Notice.

We reserve the right to disclose

your Personal Information and N

on

–

Personal Information if we have a good faith belief that access, use,

preservation or disclosure of such information is reasonably necessary (i) to satisfy any applicable law,

regulation, legal process or enforceable governmental request (such as for ex

ample, to comply with a

subpoena or court order), (ii) to detect, prevent, and address fraud or other illegal activity, and (iii) to

investigate, respond to, or enforce violations of our rights or the security of this site.

If we believe that

the security

of your Personal Information may have been compromised, we may notify you of the

relevant facts as promptly as possible under the circumstances, and if you have provided us your email

address, we may notify you by email.

You consent to our use of your emai

l address for this purpose.

Your California Privacy Rights.

As described above, from time to time, we make your Personal

Information available to third parties.

If you do not want us to share your Personal Information with

other companies or organizations

, you may request

to

opt

–

out of this information sharing by making a

request at the following email address:

Carol Chapman, carolchapman@suntopaz.com

.

This notice is

designed to comply with California’s “Shine the Light” law, but the opt

–

out option is avai

lable to all of

our users.

Third

–

Party Advertising Partners.

We reserve the right to share Non

–

Personal Information with third

party advertising partners with which we have relationships.

We will display behavioral ads which will be

targeted to your spec

ific interests based on your browsing history on this site or activities on other

websites.

These third party ad servers or ad networks may also use cookies to track your activities on

this site to measure advertisement effectiveness and other reasons that

will be provided in their own

privacy policies, and we have no access or control over these cookies that may be used by third party

advertisers.

We may participate in Google’s Adsense program, which uses DART cookies to enable

serving their behavioral ads

.

To opt out of the DART cookies you may visit the Google ad and content

network privacy policy at the following url:

http://www.google.com/privacy_ads.html Tracking of users

through the DART cookie mechanisms are subject to Google’s own privacy policies.

We may also display

contextual ads which will be based solely on the context of this site, and will not be targeted based on

your browsing history on this site or activities on other websites.

Any information that you provide in

the process of registration

or purchase will be transferred to these sites.

We have no responsibility or

liability for the policies and practices of these sites.

You should review any privacy policies posted on any

of these sites before providing information to them.

SPECIFIC INFOR

MATION ABOUT COOKIES AND WEB BEACONS

In order to provide better service for our site, we may use Cookies and Web Beacons to collect Non

–

Personal Information to store your preferences and information about what pages you visit and past

activity at our site

.

We may also employ Web Beacons from third parties in order to help us compile

aggregated statistics regarding the effectiveness of our promotional campaigns or other operations of

our site.

“Cookies” are tiny pieces of information stored by your browser

on your computer’s hard drive.

Cookies

are also used to customize content based on your browser.

Most browsers are initially set to accept

cookies.

If you want to disable cookies, there is a simple procedure in most browsers that allows you to

turn off co

okies.

Please remember, however, that cookies may be required to allow you to use certain

features of our site.

We reserve the right to use third party web analytics services that use third party

cookies (cookies passed by them, not by us) to collect Non

–

P

ersonal Information about your use of this

site.

These web analytics services may also transfer this information to third parties where required to

do so by law, or where such third parties process the information on the service’s behalf.

Web Beacons

–

so

metimes called single

–

pixel gifs or clear gifs

–

are used to assist in delivering cookies,

and they allow us to count users who have visited pages of our site. We may include Web Beacons in

promotional e

–

mail messages or our newsletters in order to determi

ne whether messages have been

opened and acted upon.

DO NOT TRACK REQUESTS

We do not respond to “Do Not Track” signals at this time.

DATA SECURITY

We will implement reasonable and appropriate security procedures consistent with prevailing industry

stand

ards to protect data from unauthorized access by physical and electronic intrusion.

Unfortunately,

no data transmission over the Internet or method of data storage can be guaranteed 100% secure.

Therefore, while we strive to protect your Personal Informati

on by following generally accepted industry

standards, we cannot ensure or warrant the absolute security of any information you transmit to us or

archive at this site.

ONWARD TRANSFER OUTSIDE YOUR COUNTRY OF RESIDENCE

Any Personal Information which we ma

y collect on this site will be stored and processed in our servers

located only in the United States.

By using this site, if you reside outside the United States, you consent

to the transfer of Personal Information outside your country of residence to the

United States.

UPDATING PERSONAL INFORMATION

Upon request, we will permit you to request or make changes or updates to your Personal Information

for legitimate purposes.

We request identification prior to approving such requests.

We reserve the

right to

decline any requests that are unreasonably repetitive or systematic, require unreasonable time

or effort of our technical or administrative personnel, or undermine the privacy rights of others.

We

reserve the right to permit you to access your Personal Inf

ormation in any account you establish with

this site for purposes of making your own changes or updates, and in such case, instructions for making

such changes or updates will be provided where necessary.

EMAIL MESSAGES; OPT

–

OUT

If you supply us with you

r e

–

mail address you may receive periodic messages from us with information

specific to the site and required for the normal functioning of the site as well as for new products or

services or upcoming events or offers from us.

If you prefer not to receive

these periodic email

messages, you may opt

–

out by following the instructions in the email.

Some of these emails from us may

contain promotional offers on behalf of third party marketing partners which we select; however, in

these instances, we do NOT share

your Personal Information with the third party marketing partner for

purposes of the mailing; we do the mailing for them.

However, if you do click on any of the links to their

websites or accept any of these promotional offers, your click

–

through informat

ion and any information

that you provide in the process of registration or purchase will be transferred to these sites.

We have no

responsibility or liability for the policies and practices of these sites.

You should be careful to review any

privacy polici

es posted on any of these sites before providing information to them.

LINKS TO OTHER SITES

This site may contain links to other websites with whom we have a business relationship.

These links

may include online advertisements that we deem to be appropria

te.

If you do click on any of the links to

their websites or accept any of their promotional offers, your click

–

through information and any

information that you provide in the process of registration or purchase will be transferred to these sites.

We have

no responsibility or liability for the policies and practices of these sites.

You should be careful

to review any privacy policies posted on any of these sites before providing information to them.

CHILDREN’S ONLINE POLICY

We are committed to preserving

online privacy for all of its website visitors, including children. This site

is a general audience site.

Consistent with the Children’s Online Privacy Protection Act (COPPA), we will

not knowingly collect any information from, or sell to, children under t

he age of 13.

If you are a parent

or guardian who has discovered that your child under the age of 13 has submitted his or her personally

identifiable information without your permission or consent, we will remove the information from our

active list, at yo

ur request. To request the removal of your child’s information, please contact our site as

provided below under

“Contact Us”, and be sure to include in your message the same login information

that your child submitted

.

CONTACT US

If you have any question

s regarding this Privacy Policy, please contact the owner and operator of this

website business at: