Hello! Thank you for visiting RFL: Resiliency for Life. To help keep
us on the same page with you, we provide this notice explaining our
online information practices and the choices you can make about the
collection and use of information you submit or we collect through our
websites

www.ResiliencyforLife.com

,

www.MichaelHBallard.com

and our other upcoming related mobile websites, services, tools, and
other applications (collectively, the "Site"). The Site is owned and
operated by Resiliency for Life Ltd, Toronto Canada.

This Privacy Policy contains the following sections:

Scope and ConsentInformation CollectionUses and RetentionDisclosure of InformationYour ChoicesCookies and Tracking TechnologiesAccess and Review OptionsAdditional Privacy Information for California ResidentsAdditional Privacy Information for Nevada ResidentsThird PartiesSecurityChildren’s PrivacyInternational TransferNotification Regarding UpdatesContact Us

1 Scope and Consent

When you use the Site, you are contracting with Resilience for Life Ltd., located at

640 Sheppard Ave EAST, Unit #303 Toronto ON

M2K1B Canada.. If you reside outside of the Canada or the United
States, RFL is your data controller. By using the Site, US and Canadian
residents, expressly consent to our collection, use, disclosure, and
retention of your information as described in this Privacy Policy.

2 Information We Collect

(a) Registration and Account Information:

If you
register for an account with us (including through third-party login
credentials as described in 2 (c) below), you will be asked to provide
information such as your name, email address, phone number, and address.
When you register an account, create a profile, purchase products or
services, or otherwise engage with our Site, you may provide additional
information. You may also (New feature coming later) upload photographs
for your account/profile.

(b) Information to Respond to Your Requests:

You
may give us information such as your email address so we can send you
newsletters and other communications you request. Details of how you can
opt-out of receiving any communications from us are detailed in the
section headed

"Your Choices"

below.

(c) Social Media Information:

We may offer
sign-in services that allow you to use third-party login credentials to
access the Site. We also may offer services that allow you to share
information with third-party social media websites such as Facebook,
Google Plus, Twitter, and others.

When you link your account or
engage with our Site through third-party social media sites, you
understand that you may be allowing us to have ongoing access to certain
information stored on those social media sites (e.g., your public
profile, friend list, people you follow or who follow you, your email
address, birthday, interests, current city, likes, information about
your friends, etc.) ). We may receive certain information about you
which is stored on social media sites if other users of those sites give
us access to their profiles and you are one of their friends or
connections depending upon your settings on those third-party social
networking sites. The information we have access to from the third-party
social media websites varies by website and is controlled by your
privacy settings on those websites. We may also receive other
information (e.g., content viewed and information about the
advertisements within the content you have been shown or may have
clicked on, etc.) from your interaction with our Site. You agree that we
may share your video viewing with or obtain information about your
video viewing from analytics providers, advertising partners and
third-party social media sites for two years or until you withdraw
consent. By associating an account managed by a third-party with your
RFL account and authorizing us to have access to this information, you
agree that we may collect, use, and store information from these
websites in accordance with this Privacy Policy.

(d) Information About Others/Inviting Friends:

From time to time you may choose to submit information about other
people to invite them to join the RFL community. Inviting friends is
always optional. You should check that your friends consent to your
sharing of their information before submitting it to us.

(e) Information From Other Sources:

The information we collect may be combined with information from
outside records (e.g., demographic information, navigation information,
and/or additional contact information) that we have acquired from and
about you, consistent with applicable legal requirements.

(f) Content You Post and Associate With Your Profile on the Site:

The community and posting sections of the Site give you an opportunity
to voluntarily provide us with information regarding your opinions and
reviews of products. Also, your profile may contain a photograph or
other information that identifies you. In addition, the content you post
and recommendations you make may provide information about your beliefs
to us. If you choose to post such information, you acknowledge and
agree that such information will be viewable by us and other users of
the Site.

(g) Mobile Information:

We may
collect additional information from you if you access our Site through a
mobile device (e.g. your unique device identifier, device’s operating
system, mobile carrier, general location or, with your consent, your
precise GPS/geo-location).

Nielsen Measurement Information

Our
properties may in the future feature Nielsen proprietary measurement
software, which will allow you to contribute to market research, such as
Nielsen TV Ratings. To learn more about the information that Nielsen
software may collect and your choices with regard to it, please see the
Nielsen Digital Measurement Privacy Policy at

http://www.nielsen.com/digitalprivacy

.

(h) Technical Usage Information:

When you visit our Site, we collect usage information sent to us by
your computer, mobile, or other access device that tells us how you are
using the Site ("usage information"). We use tracking technologies
(including

cookies (including cookies stored in HTML-5)

,

web beacons/GIFs

,

embedded scripts

,

e-tags/cache browsers)

to collect usage information.

We
may also collect password information from you when you log in, as well
as computer and/or connection information. During some visits we may
use software tools to measure and collect session information, including
page response times, download errors, time spent on certain pages and
page interaction information.

Our goal is to collect and use only
that information that we think is required for our legitimate business
interests, in order to better understand your interests and improve your
experience of using the Site. To learn more about how we use tracking
technologies and cookies, see

Section 7 of this Privacy Policy

and click

here

for our full Cookies and Tracking Technologies Policy.

(i) Geolocation Information:

When you visit the Site, we may collect geo-location information to
provide certain location-based services that you request (e.g., maps) or
any of the reasons set forth in

Section 3 of this Privacy Policy

. We disclose the geolocation data in the manner set forth in

Section 4 of this Privacy Policy

.

3 Uses and Retention

We use the information we collect from and about you for the following purposes:

(a) Operate Our Site:

We use the information collected to (i) respond to your requests
(including career applications); (ii) provide customer service (e.g., to
resolve disputes, problems with your account/profile or the Site);
(iii) personalize your experience by providing content on the Site,
including targeted advertising that we believe may be of most interest
to you; (iv) improve the Site; (v) give you information about your
account; (vi) provide you with a safe, efficient, and customized
experience; and (vii) to support other internal business operations.

(b) Create De-Identified and Aggregate Non-Personal Information:

We de-identify and or aggregate information about our users such that
the information can no longer be used to individually identify them and
use such information to analyze Site and user behavior and prepare
aggregated reports.

(c) Prevent Fraud:

We
use information to prevent, detect, and investigate fraud, security
breaches, potentially prohibited or illegal activities, and enforce our

Terms of Use

.

(d) Communicate With You:

We use your information to contact you to maintain the Site, your
account, your Application Account, to comply with your stated
communication preferences, to provide other services requested by you,
as described at the time when we collect the information from you, to
send you marketing communications, or contact you for other purposes
authorized by law.

We retain information the information we
collect from and about you for as long as it is necessary and relevant
for our operations, and in accordance with applicable legal
requirements..

4 Disclosure

Information collected on the Site may be shared with:

(a) The RFL Corporate Family:

We may share the
information we collect about you with the RFL corporate family,
including RFL Resiliency for Life Ltd.
MHB Michael H Ballard and their
and our affiliates and subsidiaries, as well as with third-party
suppliers. The information may be disclosed to: (i) provide joint
content and our services (e.g., registration, transactions, analytics
and customer support); (ii) help detect and prevent potentially illegal
acts, violations of our policies, fraud and/or data security breaches;
and (iii) guide decisions about our, RFL or a third-party's products,
sites, applications, services, tools and communications. Members of our
corporate family will use this information to send you marketing
communications and you will have the opportunity to opt-out in email
communications.

(b) Service Providers and Other Third-Parties:

We may disclose your information to service providers under contract who
help with our business operations (such as, but not limited to, data
hosting services, payment processors, fraud investigations, advertising,

site analytics and operations

).

(c) Other Entities with Your Consent:

Other
third parties to whom you explicitly ask us to send your information (or
about whom you are otherwise explicitly notified and consent to when
using a specific service). On the Site, you may have opportunities to
express interest in or register for other services. If you do, we will
provide information about you to those third-parties, or parties working
on their behalf, to implement your request.

(d) Legal and Law Enforcement:

We may provide
your information to law enforcement, governmental agencies, or
authorized third-parties, in good faith in response to a verified
request relating to a criminal investigation or alleged illegal activity
or any other activity that may expose us, you, or any other RFL user to
legal liability. In such events, we will only disclose information
relevant and necessary to the investigation or inquiry, such as name,
city, state, zip code, telephone number, email address, user ID history,
IP address, fraud complaints and anything else we may deem relevant to
the investigation.

(e) Change of Control – New Owners:

We may share
your information with other business entities, should we plan to merge
with, exchange assets with, or be acquired by that business entity. We
may also share your information as part of the diligence performed as
part of such a transaction. Should such a combination occur, we will
make reasonable efforts to request that the new combined entity follow
this Privacy Policy with respect to your personal information. If your
personal information would be used contrary to this policy, we will
request that the new owner provide you with prior notice in accordance
with applicable legal requirements.

(f) Ad Networks:

On the Site, we may allow
third-parties to serve advertisements; provide us with data collection,
reporting, ad response measurement, and site analytics; and assist with
delivery of relevant marketing messages and advertisements. These third
parties may view, edit, or set their own tracking technologies/cookies.
The use of these technologies by these third parties is subject to their
own privacy policies and is not covered by this Privacy Policy. They
might also obtain information about other applications that you have
downloaded to your mobile device, the other websites you visit and other
information about you or your device in order to analyze and serve
targeted advertising on the Site and elsewhere. For more information
about third-party ad servers at our Site and your ability to opt-out of
targeted advertising from such third-parties, please visit

http://www.networkadvertising.org/choices/

.
The effect of an opt-out may be to stop targeted advertising, but it
may still allow the collection of usage data for certain purposes (e.g.,
research, analytics and internal online services operation purposes).

(g) Companies in The Mobile App Industry:

If you
access the Site through a mobile device, we may also share your
information with carriers, operating systems and platforms.

(h) Information You Share on the Site

If you
post photos, comment on content, or participate in online forums or
communities, or when you interact with our Site through social media
sites, plug-ins or other applications, depending upon your privacy
settings, this information may become public on the Internet. We cannot
prevent or control further use of this information. You can control what
data you share through privacy settings available on some social media
sites. Please refer to those third-party sites' privacy policies and
terms of use to learn more about their privacy practices, which we do
not control.

5 Your Choices

You can control how and when you want to receive marketing
notifications and communications from OWN by following the unsubscribe
options included in such communications and notices. It may take us some
time to process your request in accordance with our legal requirements.
Also, please note that you may not opt-out of administrative emails
(for example, emails about your transactions or policy changes) for your
registered account.

6 Cookies and Tracking Technologies

When you visit the Site, we and our business partners may use cookies
and other tracking technologies for a variety of purposes such as to
enhance your online experience, for example, by remembering your log-in
status and viewing preferences from a previous use of our Site, for when
you later return to the Site.

A few additional important things you should know about our use of tracking technologies:

We offer certain features that are available only through the use of tracking technologies.We use both session and persistent tracking technologies. Tracking technologies (e.g., cookies) can either be persistent (i.e., they remain on your computer until you delete them) or temporary (i.e., they last only until you close your browser). You are always free to decline tracking technologies if your browser permits, although doing so may interfere with your use of the Site. Refer to the help section of your browser, browser extensions, or installed applications for instructions on blocking, deleting, or disabling tracking technologies such as cookies.You may encounter tracking technologies/cookies from our third-party service providers that we have allowed on our Site that assist us with various aspects of our Site operations and services, such as Google Analytics.You also may encounter tracking technologies from third parties on certain pages of the websites that we do not control and have not authorized. (For example, if you view a web page created by another user, there may be a cookie placed by that web page.) For more information about the use of cookies and similar technology on our Site, please review this Privacy Policy and our

For more information about the use of cookies and similar technology on our Site, please review this Privacy Policy and our

Cookies and Tracking Technologies Policy

.

7 Accessing, Reviewing, and Changing Your Personal Information

Registered members can review and change certain information about
them in accordance with applicable legal rights at any time by accessing
their accounts on the Site. You should promptly update your information
if it changes or becomes inaccurate. We may retain some information
from closed accounts so that we can comply with law, prevent fraud,
assist with investigations, resolve disputes, analyze, or troubleshoot
programs, enforce our Terms of Use, or take other actions permitted by
law. Likewise, if your account or membership is terminated or suspended,
we may maintain some information to prevent re-registration.

8 Additional Privacy Information for California Residents

(a)

If you are a California resident, California law
requires us to provide you with some additional information regarding
the “personal information” (as defined in the California Consumer
Privacy Act (“CCPA”)) we and our parent company, Discovery Inc., collect
from and about you, and your rights with respect to your personal
information. You can find this additional information in our

California Privacy Notice

.(b)

How We Respond to Do Not Track Signals for
California Residents: California Business & Professions Code Section
22575(b) (as amended effective January 1, 2014) provides that
California residents are entitled to know how OWN responds to "Do Not
Track" browser settings. OWN does not currently take actions to respond
to Do Not Track signals because a uniform technological standard has not
yet been developed. We continue to review new technologies and may
adopt a standard once one is created.

9 Additional Privacy Information for Nevada Residents

Under Nevada law, Nevada residents who have purchased goods or
services from us may opt out of the “sale” of “covered information” (as
such terms are defined under Nevada law) for monetary consideration to a
person for that person to license or sell such information to
additional persons. OWN does not engage in such “sales” of “covered
information,” but if it were to do so in the future, a Nevada resident
who has purchased goods or services from us would have the right to
submit a request to opt out of future “sales” activity emailing us at

privacy@resiliencyforlife.com

. Please note we may take reasonable steps to verify your identity and the authenticity of the request.

10 Third-Parties

Our Site may contain links to other third-party websites. We are not
responsible for the privacy practices or the content of these
third-party sites and urge you to review their posted privacy policies.

11 Security

We store and process your information on our servers located in the
United States. We maintain technical, physical, and administrative
security measures to protect the security of your information against
loss, misuse, unauthorized access, disclosure, or alteration. Some of
the safeguards we use are firewalls, data encryption, physical access
controls to our data centers and information access authorization
controls. However, please note that no security measures or
transmissions over the Internet can be 100% guaranteed to protect your
information. It is your responsibility to make sure that your
information is accurate and that your password(s) and account
registration information are secure and not shared with third-parties.

12 Children's Privacy

The Site is a general audience site.

With the exception of the Imagine Yourself program

it is not intended for children under the age of 13. We do not
knowingly collect “personal information” (as defined by the United
States Children’s Online Privacy Protection Act or “COPPA”) on our Site.

13 International Transfer

As we operate internationally, and many of our computer systems are
currently based in the United States and or Canada your information may
be processed in the U.S. and elsewhere where data protection and privacy
regulations may not offer the same level of protection as in other
parts of the world, such as the European Union. If you create an
account/profile, you consent to the collection and/or processing in the
United States and or Canada of your information and tracking
technologies/cookies as described in this Privacy Policy.

14 Notification Regarding Updates

From time to time, we may update this Privacy Policy. You agree that
we may notify you about material changes in the way we treat your
information by placing a notice on the Site or taking other steps
required or permitted by applicable law. You should check the Site
frequently for updates.

15 Contact Us

If your questions are not answered online, you may email us at

privacy@resiliencyforlife.com