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The resources on Joyful Life Programs help people live each day with confidence, passion, and abiding joy.

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Lisa L.

"I really love it! It is very inspiring and gives me new insight."

Melissa A.

"I found that the truth of the lessons was inspiring and potentially life changing. I am thankful for the opportunity to be taught and be changed."

Lisa

"I had a really tough time in my marriage and finally I was able to encourage my husband to take the marriage course with me. We are on week 3 right now and already it’s making a huge difference in our relationship and our family."

Diane D.

"I have found this to be very useful in all of my relationships."

Dawn G.

"This course is great. The information is broken up into small pieces that are digestible."

Andrew B.

"The course is a huge helper … perfect for anyone willing to take the journey."

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Skip Intro

Do you sometimes
feel anxious? Alone?
Uncertain?

Do you wish your
life was better?
Happier?

We can help!

The resources on Joyful Life Programs help people live each day with confidence, passion, and abiding joy.

How does it work?

What are Joyful Life
users saying?

Lisa L.

"I really love it! It is very inspiring and gives me new insight."

Melissa A.

"I found that the truth of the lessons was inspiring and potentially life changing. I am thankful for the opportunity to be taught and be changed."

Lisa

"I had a really tough time in my marriage and finally I was able to encourage my husband to take the marriage course with me. We are on week 3 right now and already it’s making a huge difference in our relationship and our family."

Diane D.

"I have found this to be very useful in all of my relationships."

Dawn G.

"This course is great. The information is broken up into small pieces that are digestible."

Andrew B.

"The course is a huge helper … perfect for anyone willing to take the journey."

Jump-start your joyful life now!

You are just one step away

Explore Resources Now!

Quickly access effective
resources

Browse articles, books, videos,
podcasts, and courses from a wide
variety of sources!

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recommendations based on
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Joyful Life Programs Terms of Service Effective Date: April 26, 2021

Terms of Service Quick Navigation

These Terms of Service ("Terms of Service") govern the use of web sites operated by All Girls Allowed and it’s subdivision, Joyful Life Programs ("JLP", "We", "Us", or "Our"), including, without limitation, joyfullifeprograms.org (the “Site”). Please read these Terms of Service ("Terms of Service") carefully before using the Site. THESE TERMS OF SERVICE SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE SITE AND THE RELATED SERVICES, FEATURES, AND CONTENT OFFERED, OR ANY PURCHASES YOU MAKE VIA THE SITE.

These Terms of Service apply to all users of the Site, including, without limitation, users who are contributors of content, information and other materials on the Site. Your access and use of the Site will be subject to the version of the Terms of Service posted on the Site at the time of use. If you do not agree with the Terms of Service, then you do not have the right to access, view, download or otherwise use the Site and, accordingly, you should not do so.

We may at our sole discretion change, add, or delete portions of these Terms of Service at any time on a going–forward basis. It is your responsibility to check these Terms of Service for changes prior to your use of the Site, and in any event your continued use of the Site following the posting of changes to these Terms of Service constitutes your acceptance of any changes.

PRIVACY

Any personal information collected on a Site will be treated in accordance with the Privacy Policy located at https://joyfullifeprograms.org/privacy

accounts

To register an account on a Site, you must have an e-mail address and password and provide Joyful Life Programs with accurate, complete, and up-to-date information. Failure to provide accurate information constitutes a breach of these Terms of Service, which may result in immediate termination of your right to access the Site.

You may not select an e-mail address that impersonates someone else, is intended to disguise the user's identity, is or may be illegal, may be protected by trademark or other proprietary rights, is vulgar or offensive, or may cause confusion. JLP reserves the right to reject any user name in our sole discretion. You agree (1) not to share your password(s), account information, or access to the Site, and (2) that you are responsible for maintaining the confidentiality of password(s) and account information and for all activities that occur under your password(s) or account(s) or as a result of your access to the Site. You agree to immediately notify JLP of any unauthorized use of your account, or any other breach of security. JLP will not be liable for any loss you incur as a result of someone else using your password and account with or without your permission.

USER CONTENT

We welcome user comments, information and submissions. In addition, you and other users of the Site from time to time may have an opportunity to post on the Site certain ideas, concepts, information, data, text, messages, comments on our products, facts, advice, opinions, and other material (collectively, "User Content"). Subject to our Privacy Policy, all User Content that you post on the Site will be treated as non–confidential and non–proprietary to you and may be viewed by you and/or other users of this Site.

We cannot guarantee that other users will not copy, modify, distribute or otherwise use the User Content that you share. Therefore, if you have an idea or information that you would like to keep confidential, and/or do not want others to use, do not post it on the Site. We are not responsible for any user’s misuse or misappropriation of any User Content you post on the Site.

By posting User Content in or otherwise using any communications service or other interactive service that may be available to you on or through the Site from time to time, you represent and warrant that: (i) you are the sole responsible person and/or entity from which such User Content originated; (ii) you own such User Content, or have all legal rights necessary to publish such content on the Site; and (iii) the publishing of the User Content on the Site will not violate the intellectual property rights or any other rights of any third party. Moreover, you agree not to access or use the Site for any purpose that is prohibited by these Terms of Service. You are responsible for all of your activity in connection with the Site.

OUR RIGHT TO USE USER CONTENT

You do not have to submit anything to us. In the absence of a resale agreement for specific content, by submitting, sending, posting, uploading, modifying or otherwise providing information, material, or any other communication to us including User Content, whether solicited or unsolicited, you grant us and our designees the right to royalty–free, fully paid, unrestricted, worldwide, perpetual, irrevocable, non–exclusive, and fully transferable, assignable, sublicensable right and license to use, copy, reproduce, modify, adapt, publish, translate, create derivative works from, improve, distribute, commercialize, perform, or display such User Content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for any purpose, including, without limitation, advertising and promotional purposes, reproduction, transmission, publication, broadcast and posting without any further consent by you or notice, credit and/or compensation to you or any third parties.

We are free to use any ideas, concepts, know–how, or techniques contained in any User Content you send to us for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products, services and content using such information, without any credit, notice, approval or compensation to you. We and our designees may use or otherwise transfer, remove or dispose of any and all User Content without restriction and users of the Site shall not be entitled to any compensation whatsoever for any such use, transfer or disposition of User Content by us.

REVIEW OF SUBMISSIONS

We have no obligation to verify the identity of any users when they are connected to the Site or to supervise the User Content that has been provided by users. You acknowledge that we may or may not prescreen, monitor, review, edit or delete the User Content posted by you and other users on the Site. We and our designees retain the right to modify, move, refuse, block, or remove any User Content, in whole or in part, for any reason or no reason, with or without notice.

We and our designees also reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce these Terms of Service, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect our rights, property or safety, users of the Site and the public. In any case, we are not responsible or liable for damages of any kind arising from any failure, non–failure, or delay in removing such User Content even when we are advised of the possibility of such damages.

INTELLECTUAL PROPERTY RIGHTS

The Site, and all of its native contents, including but not limited to JLP-developed articles, text, photographs, images, illustrations, graphics, video material, audio material, including musical compositions and sound recordings, software, logos, titles, characters, names, graphics and button icons, excluding external and User Content (collectively "JLP Material"), are protected by copyright, trademark and other laws of the United States, as well as international conventions and the laws of other countries. The JLP Material is owned or licensed to JLP or considered public-domain.

JLP grants you a personal, non-assignable license to use JLP Material for your own internal use. JLP authorizes you to display on your computer, download, play, and print the JLP Material provided: (a) the copyright notice is not removed, (b) JLP Material is not be altered, (c) JLP Material is used only in connection with use or evaluation of JLP products and services, and (d) you comply with these Terms of Service and any additional contracts between yourself and JLP.

Except as otherwise provided in these Terms of Service, without our express prior written permission you agree that you shall not use, publish, reproduce, display, publicly perform, create derivative works from, reverse engineer or decompile, disassemble, distribute, license, transfer, sell, copy, post, enter into a database, upload, transmit or modify the JLP Material or any portion thereof, for any purpose or by any means, method, or process now known or later developed. Modification of the materials appearing on the Site or use of such materials for any other purpose is a violation of our copyright and other proprietary rights.

RULES OF CONDUCT

Your use of the Site is subject to all applicable laws and regulations, and you agree not to violate such laws and regulations. Any attempt to deliberately damage the Site or JLP Material is a violation of criminal and civil laws. JLP reserves the right to seek damages from any such person to the fullest extent permitted by law. In addition, you agree not to post or transmit through the Site any material or content that violates or infringes in any way the rights of others or solicits, encourages, or promotes the use of illegal substances or activities; which is unlawful, threatening, abusive, harassing, defamatory, libelous, derogatory, invasive of privacy or publicity rights, vulgar, obscene, bigoted or hateful, profane, scandalous, pornographic, indecent or otherwise objectionable, gives rise to civil or criminal liability, or otherwise could violate any applicable law.

You may not engage in any activity on a Site that restricts or inhibits any other user from using or enjoying such Site or JLP Material, whether by "hacking," "cracking," "spoofing," or defacing any portions of the Site. You agree not to attempt to gain unauthorized access to any parts of the Site or any user accounts, computer systems, or networks. Access to and use of password-protected or secure areas of a Site is restricted to authorized users only. You agree not to access or use a Site in any manner that could damage, disable, overburden, or impair (or interfere or attempt to interfere with the proper working of) any user accounts, JLP computer systems, or JLP’s networks.

You may not post or transmit through a Site any advertising or commercial solicitations; promotional materials relating to services that are competitive with JLP; software or other materials that contain viruses, worms, time bombs, Trojan horses, or other potentially harmful or disruptive components; political campaign materials; chain letters; mass mailings; or spam mail. You may not use any robot, spider, site scraper, or other automatic device or process to retrieve, index, "data mine," or otherwise access JLP Material. You may not harvest, collect, or use information about the Site visitors.

TERMINATION

JLP may at any time, and without prior notice, limit or terminate your ability to access any or all of the Site or JLP Material if: (1) in JLP 's sole judgment, you breach any provision of the Terms of Service or any other contract between you and JLP (or have acted in manner which demonstrates that you intend to breach, or are unable to comply); (2) JLP is required by law to terminate; (3) JLP no longer provides access to Site or JLP Material to users in the country in which you are resident or from which you access the Site or JLP Material; or (4) your relationship with JLP changes in a way that affects the Site or JLP Material you are entitled to access.

CLAIMS REGARDING COPYRIGHT INFRINGEMENT

If you are a copyright owner or an agent thereof and believe that any User Content or other content on a Site infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our Designated Agent (as defined by the DMCA) with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

  • A physical or electronic signature of the owner or a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material;
  • Information reasonably sufficient to permit us to contact you, such as your name, address, telephone number, and, if available, your email address;
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  • A statement, under penalty of perjury, that the information in the above notification is accurate and that you are, or are authorized to act on behalf of, the owner of an exclusive right that is allegedly infringed.

Pursuant to the DMCA, written notification of claimed copyright infringement must be submitted in writing to the Designated Agent for this Site. Contact information for the Designated Agent may be found at the U.S. Copyright Office’s Directory of Service Provider Agents for Notification of Claims of Infringement, and is provided below:

Attn: Joyful Life Programs platform 
101 Huntington Avenue
Boston, MA 02199
Email: joyfullifeprograms@allgirlsallowed.org
All Girls Allowed
THIRD-PARTY WEBSITES AND LINKS

You may be able to link to third-party websites, services or resources on the Internet from the Site (collectively, "Linked Sites"). We are not responsible for the content, availability, advertising, products, services or other materials of any such Linked Sites, or any additional links contained therein, and our inclusion of links to the Linked Sites on the Site does not imply that we endorse or approve of any materials contained on, or accessible through, the Linked Sites. In no event shall we be liable, directly or indirectly, to you or any other person or entity for any loss or damage arising from or occasioned by the creation or use of the Linked Sites or the information or material accessed through these Linked Sites.

ADVERTISEMENTS, SPONSORSHIPS, CO–PROMOTIONS AND OTHER PARTNERSHIPS

We may display advertisements for the products and services of a third-party on the Site, including in connection with co–promotions, sponsorships and other similar partnership arrangements. We do not endorse or represent and are not responsible for the safety, quality, accuracy, reliability, integrity or legality of any such advertised products or services.

DISCLAIMER

VISITORS TO THE SITE AGREE THAT THEIR USE OF, AND RELIANCE ON ANY ADVICE OR INFORMATION OBTAINED FROM OR THROUGH, THE SITE IS AT THEIR OWN SOLE RISK. THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITATION OF THE FOREGOING AND TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, WE (INCLUDING OUR AFFILIATES, THIRD-PARTY CONTENT PROVIDERS, MERCHANTS, SPONSORS, LICENSORS AND THE LIKE, AND THEIR RESPECTIVE DIRECTORS, OFFICERS AND EMPLOYEES) SPECIFICALLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, APPROPRIATENESS, RELIABILITY, TIMELINESS, OR USEFULNESS OF THE CONTENT OF THE SITE; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON–INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE.

WE ALSO MAKE NO REPRESENTATIONS AND WARRANTIES AS TO ANY LINKED SITES AND WE HAVE NO LIABILITY OR RESPONSIBILITY WITH RESPECT TO YOUR USE OF SUCH SITES. IN SOME INSTANCES, CONTENT MADE AVAILABLE ON THE SITE MAY REPRESENT THE OPINIONS AND JUDGMENTS OF PROVIDERS OR USERS, SUCH AS USER CONTENT. WE AND OUR AFFILIATES DO NOT ENDORSE NOR SHALL WE OR THEY BE RESPONSIBLE OR LIABLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE ON THE SITE BY ANYONE OTHER THAN OUR AUTHORIZED EMPLOYEES ACTING IN SUCH CAPACITY.

WE DO NOT WARRANT OR GUARANTEE: (1) THAT ANY PORTION OF THE SITE WILL BE FREE OF INFECTION BY VIRUSES, WORMS, TROJAN HORSES, OR ANYTHING ELSE MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES; OR (2) THAT ACCESS TO THE SITE WILL BE UNINTERRUPTED OR ERROR–FREE.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF USE OF THE MATERIALS AVAILABLE ON THE SITE.

WE DO NOT HAVE ANY OBLIGATION TO VERIFY THE IDENTITY OF ANY PERSON SUBSCRIBING OR USING THE SITE. THEREFORE, WE DECLINE ALL LIABILITY WHATSOEVER FOR IDENTITY THEFT OR ANY MISUSE OF YOUR IDENTITY OR INFORMATION.

APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

INDEMNIFICATION

By using the Site, you agree to defend, indemnify, and hold All Girls Allowed, JLP, its subsidiaries and affiliates, and each of their respective officers, directors, employees, contractors and suppliers harmless from any and all claims, liabilities, damages, losses, costs, and expenses, including, but not limited to, attorneys’ fees and expenses, arising in any way from or in connection with your use of the Site or any service available on or through the Site, the uploading, posting, e–mailing, or transmission of any User Content or other materials by you or users authorized by you, or any violation by you of these Terms of Service, our Privacy Policy or any other policy posted from time to time on the Site applicable to your use of the Site. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to assist and cooperate with us in asserting any available defenses.

LIMITATION OF LIABILITY

REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, STRICT LIABILITY, STATUTE OR OTHERWISE, IN NO EVENT WILL WE OR OUR AFFILIATES, INCLUDING, WITHOUT LIMITATION, OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, CONTENT PROVIDERS, SUCCESSORS AND ASSIGNS, BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL, CONSEQUENTIAL (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR BUSINESS INTERRUPTION, WASTED EXPENDITURE, LOSS OF BUSINESS AND OTHER PROFITS, LOSS OF GOODWILL, LOSS OF ANTICIPATED SAVINGS, LOSS OF PROGRAMS, COST OF REPLACING EQUIPMENT, SOFTWARE OR OTHER PRODUCTS OR SERVICES, OR LOSS OF RECORDS, INFORMATION OR DATA), OR ANY OTHER DAMAGES ARISING IN ANY WAY ARISING OUT OF OR RELATED TO: (i) THE AVAILABILITY, USE, RELIANCE ON, OR INABILITY TO USE THE SITE OR ANY PLATFORM APPLICATIONS OR ANY CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE; OR (ii) ANY CLAIM (INCLUDING FOR PROPERTY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM) ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN, OR DESTRUCTIVE PROPERTIES OF, THE SITE OR THE LINKED SITES, OR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES OR OTHER MATERIALS AVAILABLE ON OR THROUGH THE SITE OR LINKED SITES, EVEN IF WE OR OUR AFFILIATES, OR OUR OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, CONTENT PROVIDERS, SUCCESSORS AND ASSIGNS ARE AWARE OR SHALL HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW (THEREBY MINIMIZING OUR LIABILITY TO YOU TO THE LOWEST AMOUNT THAT APPLICABLE LAW PERMITS).

YOU SPECIFICALLY ACKNOWLEDGE THAT WE SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY OF THE ABOVE CLAIMS OR FOR DISPUTES AGAINST US OR ANY OF OUR AFFILIATES IS TO DISCONTINUE YOUR USE OF THE.

NOTHING IN THESE TERMS OF SERVICE SHALL BE DEEMED TO EXCLUDE OR LIMIT YOUR LIABILITY IN RESPECT OF ANY INDEMNITY GIVEN BY YOU UNDER THESE TERMS OF SERVICE.

GOVERNING LAW; GENERAL INFORMATION

While we invite visitors from all parts of the world to visit the Site, visitors acknowledge that the Site, and all activities available on and through the Site, are governed by the laws of the United States of America and the laws of The Commonwealth of Massachusetts. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

You agree that the laws of The Commonwealth of Massachusetts, excluding its conflict of laws rules, and these Terms of Service, our Privacy Policy and any other policies posted from time to time on the Site applicable to your use of the Site shall govern your use of the Site. Please note that your use of the Site may be subject to other local, state, national, and international laws. You expressly agree that exclusive jurisdiction for any claim or dispute with us (or any of our affiliates) or relating in any way to your use of the Site resides in the state and federal courts located in Boston, Massachusetts, and you further agree and expressly consent to the exercise of personal jurisdiction in the such courts, in connection with any such dispute and including any claim involving us or our affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers and content providers.

YOU AGREE THAT ANY CAUSE OF ACTION OR CLAIM THAT YOU MAY HAVE WITH RESPECT TO YOUR USE OF THE SITE OR ANY CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE ACT OR OMISSION GIVING RISE TO THE CLAIM OR CAUSE OF ACTION AROSE.

A printed version of the Terms of Service and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Service to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

These Terms of Service are the entire agreement between you and us with respect to the Site and any User Content, and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us with respect to those matters.

If any provision of these Terms of Service is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms of Service will otherwise remain in full force and effect and enforceable. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. No agency, partnership, joint venture, or employment relationship is created as a result of these Terms of Service, and neither party has any authority of any kind to bind the other in any respect.

Any award in an arbitration initiated under this clause shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay a monetary amount. Further, the arbitrator(s) shall have no authority to award punitive, consequential or other damages not measured by the prevailing party's actual damages in any arbitration initiated under this section, except as may be required by statute.

NOTICES

Unless otherwise specified in these Terms of Service, all notices under these Terms of Service will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or email; or the day after it is sent, if sent for next day delivery by recognized overnight delivery service.

Please feel free to contact us via one of the methods described on our “Contact” page. You agree that we may send notices to you regarding your use of the Site by means of electronic mail, a general notice posted on the Site or by written communication delivered either by overnight courier or U.S, mail to your email or mailing address as appearing in our records from time to time.

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