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Learn more about our updated Terms of Service

RudolphJPierce@gmail.com On January 5, 2022, we're making some changes to our Terms of Service. These changes won't affect the way you use Google services, but they'll make it easier for you to understand what to expect from Google — and what we expect from you — as you use our services. You can review the new terms here. At a glance, here's what this update means for you: More clarity on what you can expect from Google and what we expect from you: We're providing more examples to describe the mutually respectful conduct that we expect from all our users. Improved readability: While our terms remain a legal document, we've done our best to make them easier to understand, including reorganizing some topics so that they're easier to find. If you use Family Link to manage a Google Account for someone else, please take some time to talk to them about these changes. Thank you for using Google! Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA, 94043 You have received this email to update you about important changes to Google's Terms of Service.

Important policy changes for Google Account storage

                                                                                                                                                                                              

New inactive and over quota storage policies  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌ ‌  ‌ ‌ ‌ ‌ ‌ ‌ Dear Google User, We are writing to let you know that we recently announced new storage policies for Google Accounts using Gmail, Google Drive (including Google Docs, Sheets, Slides, Drawings, Forms, and Jamboard files) and/or Google Photos that bring us in line with industry practices. Since you have previously used one or more of these products in your Google Account storage, we wanted to tell you about the new policies well before they go into effect on June 1, 2021. Below is a summary of the new policies. Please reference our Help Center article for a complete list of what's changing. We are writing to let you know that we recently announced new storage policies for Google Accounts using Gmail, Google Drive (including Google Docs, Sheets, Slides, Drawings, Forms, and Jamboard files) and/or Google Photos that bring us in line with industry practices. Since you have previously used one or more of these products in your Google Account storage, we wanted to tell you about the new policies well before they go into effect on June 1, 2021. Below is a summary of the new policies. Please reference our Help Center article for a complete list of what's changing. Summary of the new policies (effective June 1, 2021): • If you're inactive for 2 years (24 months) in Gmail, Drive or Photos, we may delete the content in the product(s) in which you're inactive. Google One members who are within their storage quota and in good-standing will not be impacted by this new inactive policy. If you're inactive for 2 years (24 months) in Gmail, Drive or Photos, we may delete the content in the product(s) in which you're inactive. Google One members who are within their storage quota and in good-standing will not be impacted by this new inactive policy. • If you exceed your storage limit for 2 years, we may delete your content across Gmail, Drive and Photos. What this means for you: • You won't be impacted by these changes unless you've been inactive or over your storage limit for 2 years. As this policy goes into effect June 1, 2021, the earliest it would be enforced is June 1, 2023. • After June 1, 2021, if you are either inactive or over your storage limit, we will send you email reminders and notifications in advance and prior to deleting any content. • Even if you are either inactive or over your storage limit for one or more of these services and content is deleted, you will still be able to sign in. • Note: The inactivity and over quota storage policies will apply only to consumer users of Google services. Google Workspace, G Suite for Education and G Suite for Nonprofits policies are not changing at this time, and admins should look to the Admin Help center for storage policies related to their subscriptions. Note: The inactivity and over quota storage policies will apply only to consumer users of Google services. Google Workspace, G Suite for Education and G Suite for Nonprofits policies are not changing at this time, and admins should look to the Admin Help center for storage policies related to their subscriptions. Learn more about how to keep your account active • To learn more about how to remain active with these products, visit this Help Center page. To learn more about how to remain active with these products, visit this Help Center page. • The Inactive Account Manager can help you manage specific content and notify a trusted contact if you stop using your Google Account for a certain period of time (between 3-18 months). Note: the new 2 year inactive policy will apply regardless of your Inactive Account Manager settings. You can learn more about these changes and ways to manage your or a loved one's account in our Help Center. The Inactive Account Manager can help you manage specific content and notify a trusted contact if you stop using your Google Account for a certain period of time (between 3-18 months). Note: the new 2 year inactive policy will apply regardless of your Inactive Account Manager settings. You can learn more about these changes and ways to manage your or a loved one's account in our Help Center. Learn how to manage your storage • Learn more about the over quota policy and what counts against storage quota. Learn more about the over quota policy and what counts against storage quota. • You can use the free storage manager in the Google One app and on the web to see how you're using your Google Account storage, and free up space across Gmail, Google Drive, and Google Photos. You can use the free storage manager in the Google One app and on the web to see how you're using your Google Account storage, and free up space across Gmail, Google Drive, and Google Photos. Thank you for using our services. Your Google Team © 2020 Google LLC 1600 Amphitheatre Parkway, Mountain View, CA 94043 You have received this mandatory email announcement to update you about important information related to your Google Account.

Learn more about our updated Terms of Service

RudolphJPierce@gmail.com We're improving our Terms of Service and making them easier for you to understand. The changes will take effect on March 31, 2020, and they won't impact the way you use Google services. For more details, we've provided a summary of the key changes and Frequently Asked Questions. At a glance, here's what this update means for you: • Improved readability: While our Terms remain a legal document, we've done our best to make them easier to understand, including by adding links to useful information and providing definitions. • Better communication: We've clearly explained when we'll make changes to our services (like adding or removing a feature) and when we'll restrict or end a user's access. And we'll do more to notify you when a change negatively impacts your experience on our services. • Adding Google Chrome, Google Chrome OS and Google Drive to the Terms: Our improved Terms now cover Google Chrome, Google Chrome OS, and Google Drive, which also have service-specific terms and policies to help you understand what's unique to those services. • No changes to our Privacy Policy: We're not making any changes to the Google Privacy Policy and we haven't made any changes to the way we treat your information. As a reminder, you can always visit your Google Account to review your privacy settings and manage how your data is used. If you're the guardian of a child under the age required to manage their own Google Account and you use Family Link to manage their use of Google services, please take some time to discuss these changes with them. And of course, if you don't agree to our new Terms and what we can expect from each other as you use our services, you can find more information about your options in our Frequently Asked Questions. Thank you for using Google's services. Your Google team © 2020 Google LLC, 1600 Amphitheatre Parkway, Mountain View, CA, 94043 You have received this email to update you about important changes to Google's Terms of Service.

Changes to Google Privacy Policy and Terms of Service

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Dear Google user, We're getting rid of over 60 different privacy policies across Google and replacing them with one that's a lot shorter and easier to read. Our new policy covers multiple products and features, reflecting our desire to create one beautifully simple and intuitive experience across Google. We believe this stuff matters, so please take a few minutes to read our updated Privacy Policy and Terms of Service at http://www.google.com/policies. These changes will take effect on March 1, 2012.
One policy, one Google experience
Easy to work across Google Our new policy reflects a single product experience that does what you need, when you want it to. Whether you're reading an email that reminds you to schedule a family get-together or finding a favorite video that you want to share, we want to ensure you can move across Gmail, Calendar, Search, YouTube, or whatever your life calls for with ease.		Tailored for you If you're signed into Google, we can do things like suggest search queries – or tailor your search results – based on the interests you've expressed in Google+, Gmail, and YouTube. We'll better understand which version of Pink or Jaguar you're searching for and get you those results faster.		Easy to share and collaborate When you post or create a document online, you often want others to see and contribute. By remembering the contact information of the people you want to share with, we make it easy for you to share in any Google product or service with minimal clicks and errors.
Protecting your privacy hasn't changed Our goal is to provide you with as much transparency and choice as possible, through products like Google Dashboard and Ads Preferences Manager, alongside other tools. Our privacy principles remain unchanged. And we'll never sell your personal information or share it without your permission (other than rare circumstances like valid legal requests).		Got questions? We've got answers. Visit our FAQ at http://www.google.com/policies/faq to read more about the changes. (We figured our users might have a question or twenty-two.)
Notice of Change March 1, 2012 is when the new Privacy Policy and Terms will come into effect. If you choose to keep using Google once the change occurs, you will be doing so under the new Privacy Policy and Terms of Service. Please do not reply to this email. Mail sent to this address cannot be answered. Also, never enter your Google Account password after following a link in an email or chat to an untrusted site. Instead, go directly to the site, such as mail.google.com or www.google.com/accounts. Google will never email you to ask for your password or other sensitive information.

Car Dealer Scams and How to Avoid Them

When you are looking to buy a car with bad or poor credit it doesn't leave buyers with lots of options. Occasionally their only choice for finding a lender for their new car purchase is through a car dealer loan.

Car dealership loan deals are not as bad as a lot of people may think. However, it is certainly true that they may hide a lot of surprises so if you are in fact planning to use a Car Credit Loan you should be extra vigilant.

The first thing that you need to watch out for is if the interest rate happens to be fixed. By fixed I mean that it's clearly stated in your contract and that all of it is written in a way that it wouldn't allow the car dealership to change it at a later date. What lots of car dealerships tend to do is approve your car loan application, have you sign the documents, and hand you over the car. After that later on they just give you a phone call and state that in fact you do not qualify for the loan because you have poor credit (which is something you already knew to begin with) and that you must pay higher interest rates in order to keep the car. If you fall into this situation you should try to either find a loan from another lender or report the scam and fight back.

Another extremely popular scam done by car dealers is to make you look for a cosigner for your loan convincing you that this is the absolutely only way that you can get financing since you have a terrible credit history. It won't be difficult to convince you at all. First of all it sounds pretty reasonable and second of all the car dealer will cause you to believe that this will in fact repair your poor credit profile. Later on you will discover that your name isn't including in the loan documents and that the loan is in the name of the cosigner only even though you are paying it . Not only is this illegal but it also may lead to serious penalties but it's not helping your poor credit at all. If a dealerhship offers such a thing you absolutely must refuse.

If you're a poor credit consumer and have difficulties in finding a good loan, it's pretty obvious that you shouldn't overstretch yourself. What this mean is to buy a reasonably priced vehicle and not to buy into all of the extras like the extended warranties for example. However, many different Bad Credit Auto Loan will end up trying to trick you by making you believe that you must buy a warranty that will increase your loan just to qualify. Since you are in a desperate situation you would end up saying Ok. However, if you for one second think about it, you can plain as day see this is simply a trick to increase your loan costs.

Too Old to Drive a Rental Car?

As the population in Australia gets older, the problem of renting a car both in Australia and overseas becomes more of an issue. Most car companies will have some kind of restriction if the older generation is looking to rent a vehicle. Whilst you may think that as someone that has been driving for 50 years or more, car rental companies can see you as a major risk to their asset

The Senior Driver Surcharge is payable by senior drivers over &/or between a specific age. This depends on country and/or car rental company. It is just the same as our car insurance companies here in Australia charge a higher premium if you have a driver aged 21 years on the insurance.

The reason why it is charged is because the car rental company sees senior drivers as high risk and they get charged a premium to have senior drivers covered by their insurance company. However, other car rental companies just restrict the driving age so they don't have to get additional insurance.

To give you a few examples on how it differs between suppliers, let's take a look at Car Rental in Ireland. One car rental company has a maximum age of 74 years with no surcharge payable. Another car rental company charges a EUR29 incl Tax /day fee for drivers aged between 70-74 years. And, a third car rental company doesn't charge a surcharge but they require additional documentation from driver's aged between 76-79 years, as follows -

1) Note from their Insurers stating that they have not been involved in any accidents within the past 5 years.

2) Note from their doctor stating that they are in full health.

When booking your car rental, it is advisable to always be truthful of the age/s of all drivers and ask the car rental company if there are any additional conditions for senior driver's. Failure to do so may result in you using public transport to get around on your holiday.

Car Rental brokers, such as DriveAway Holidays will be able to advise quickly as to which company is going to be able to accomodate the older driver.