Policies - Genuine Ones
Not to be confused with the silly ones.
Notice, this page is on a blue background, which means you can rely on them.
Joyful Banker is an Ethical Parody
Enterprise (Could that be an oxymoron?)
This website is a parody, so it will take liberties
for the sake of humor, good feelings and fun. However, we’re dead serious
about providing a pleasant, competent, and honest experience for visitors and
purchasers. You can trust the following ethical, dependable, and trustworthy policies.
We won’t fudge on them. However, nothing on this website except for
these policies, and our commitment to integrity, should be taken seriously (especially
if presented on a lilac background). And we fully intend to exercise
the Constitutionally-protected right to create parodies of real people, organizations, or products.
To discover the core value on which
everything else rests, read The Soapbox
(Equally true on lilac or blue)
Privacy Policies
- No Personal Information is Sold or Shared
We respect the privacy of anyone who visits this website, and promise that no
individual subscriber or customer information will ever be sold or rented to others.
We use email addresses primarily to answer e-mail we receive and to provide
you better service. Addresses and personal information are not used for
other purposes. A link to our privacy policies is available at every point where
personal information (beyond an email address) is requested.
- Purchases and Subscriptions are Treated as Opt-In
We treat any product purchase or subscription you make as giving us permission
to add you to our mailing list, so we can provide you related useful information and offers,
as time goes by. We consider such information to be extra value. If you do not
want to receive such information, you may opt-out.
- Credit Card and Data Security
We take credit card orders and payment information at a secure site. To prevent
unauthorized access, maintain data accuracy, and ensure the correct use of information,
we have appropriate physical, electronic, and managerial procedures
to safeguard and secure the information we collect.
Anti-Spam Policy
The Joyful Banker does not approve of spam. We do not spam or encourage
its use. If anyone affiliated with this website, or its products, markets on our
behalf by using spam, we reserve the right to terminate all rights and obligations
with regard to them. However, we firmly believe, Joy is never spam.
Guarantee
The Banker stands behind the products sold at this Web site with a no-hassle,
one full-year guarantee. If you are not fully satisfied, your money will be promptly
and cheerfully refunded.
Copyright & Intellectual
Property Rights
All the information on this website is protected by US copyright and trademark
laws. We ask that you respect these legal rights. You are permitted to copy or
download information from this website only if you agree that any copies you
make shall retain all copyright and other proprietary notices in the same form
and manner as they appear on the original. Nothing contained herein grants a
license or other right under trademark or copyright to any third party.
See also,
Notice to Editors and Webmasters
- Binkle Rights
The word, “binkle” is a trademark and copyright belonging to Lynella
Grant. She has provided a non-exclusive license to both The Joyful Banker
and The Binkle Foundation to use the term and image.
- Limitation on Offers
The goal of The Joyful Banker is to encourage people to help themselves to joy,
fun, and energy—and to share what the website provides. However we do not
approve of anyone taking what we freely offer and then selling it for profit, or violating
any of our property rights.
For Editors & Webmasters
- Linking Policy
We permit links to this site by websites compatible in tone and substance.
Links from this site to another site occur only after a review by the editor.
mailto:sydney@joyfulbanker.com
- All information on this website is protected by copyright
However, you are free to reprint articles or information that appears here
under the following conditions:
1. It is printed without significantly
editing except for length
2. You include the author’s name,
copyright and source
(www.joyfulbanker.com)
3. If the information is placed on a
website, you provide a link back to us, http://www.joyfulbanker.com
We do like to receive a copy of the publication or Web address where the
information appeared, if possible.
Disclaimers
Everything shown on this website is true and accurate to the best of our present
knowledge. However, we do not make any express or implied warranties, except as
stated in our Guarantee (above). Nor does anything on this website, or in the parody legal or
financial documents provided here, constitute legal advice or bona fide
financial information.
The Joyful Banker’s purpose is to provide an up-beat parody of financial
matters and documents. These are not binding legal documents, financial instruments,
or legal tender—but simply spoofs of them. Our products are as similar to
genuine documents as parody permits. They have absolutely no cash value or any
worth as securities. The Banker places disclaimers on every document produced,
and asks that recipients not represent them as real
or valuable to other parties.
Newsletters
There are three distinct publications produced by The Joyful Banker.
The mailing lists of each are maintained separately. For all three, subscribers’ addresses
are never sold or shared. All unsubscribe requests are processed promptly.
- Interest Reportis a free weekly ezine.
Visitors subscribe simply by providing their email
address (which is treated as their savings account ID).
No other information is required).
Readers may unsubscribe whenever they desire. Unsubscribe instructions
are included in every issue. An issue will never have more than one “itsy
bitsy ad,” to keep it coming free, and an offer from The Banker. The Interest
Report doesn’t send solo mailings. Current and back issues of the Interest
Report are archived on the website. Interest Report
- Joyful Dividends, a paid subscription, is delivered
electronically once a month. Upon subscribing, subscribers receive a package of
The Banker’ products by mail that’s worth more than the annual
subscription charge. So thereafter, subscribers really get the next eleven months of the
newsletter at no charge. That’s why the subscription charge is not prorated
for less than a year. However, they person may designate someone else to receive unused issues.
At the end of each year, subscribers
will be notified. If they choose to renew, another package of treasures from
the Storehouse (our choice) will be sent, along with the year’s worth of
monthly issues (spread over 12 months). At this time the subscription is only a
vailable by email.
Joyful Dividends
- The Daily Binkle is free and delivered five times
a week by RSS, Really Simple Syndication. That method of delivery places the
responsibility upon the receiver to put the appropriate computer code on their
system. They are free to remove or disengage
it as they choose. Daily Binkle
The current Daily Binkle blurb (very short, less than a
paragraph) can also be viewed on the website at
What’s New?
Contributions to the website (Investors)
An important purpose of TheJoyful Banker is to create a sense of personal
involvement and community for website visitors and subscribers. To that end, the Web
site provides a variety of
interactive activities Our Investors.
We encourage feedback and input from visitors and subscribers.
However, we reserve the right to edit or reject contributions. We prefer that
people only contribute what they have themselves created. And if people send quotes
or materials of others, the source should be identified.
By contributing (submitting) material, the sender is giving Joyful Banker permission to
post and reproduce it. No payment is given for contributed material. Also, we
will identify the contributor when the information is posted, when appropriate.
So if a contributor does not wish to be acknowledged, they should state it clearly.
A primary goal of The Joyful Banker is to promote joy and binkles. To that
end, any information posted on the website or in the newsletters may also be
packaged in other forms (such as a collection of sayings) without identifying the
original contributor.
The Joyful Banker attempts to protect the copyright or trademark rights of third parties.
But we may not know the original source of what is sent to us. Any such
violations or mis-attributions that come to our attention shall be promptly
removed or corrected.
Relationship to The Binkle Foundation
The Joyful Banker is a shared activity by The Binkle Foundation a
non-profit corporation to increase binkle awareness, and Off the Page Press.
Half the profits from The Joyful Banker go to The Binkle
Foundation to assist its binkle-spreading work.
Any designated donations received by the The Joyful Banker shall be conveyed
100% to The Binkle Foundation, and the giver is entitled to a receipt for a
charitable donation.
Compliance with Regulations
Before the Web site was created, we contacted both the Colorado Banking Commission
(the state where we’re based) and the US Comptroller of the Currency (U.S.
Treasury Department). Both agencies have indicated that what The Joyful Banker
is doing as a parody does not mislead the public, violate their regulations, or
create counterfeit financial instruments.
Testimonials
We receive testimonials from real people, and we’re delighted to get them.
But we also have some goofy testimonials that are just for fun.
Still not sure about our policies or how they affect you?
Please ask us. mailto:editor@joyfulbanker.com
_____________________
Copyright © 2004, Off the Page Press
The Joyful Banker - A Parody of all things Financial
Off the Page Press (719) 395-9450 fax (719) 395-9453
P.O. Box 4880, Buena Vista, Colorado 81211 USA
http://www.joyfulbanker.com editor@joyfulbanker.com
HOME
