Terms of Service

-ACE-ACIT-ACO Terms of Service

by adminon May 13, 2021Leave a Commenton TOS

Terms and Conditions for our text relationships in our ACO Community in Cyberspace Culture on the Internet Highway.



By visiting our site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current site shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.


By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence, and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.


We reserve the right to refuse service to anyone for any reason at any time.

You agree not to reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.


We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or more timely sources of information. Any reliance on the material on this site is at your own risk.

The website contains tests that aim to measure cognitive skills. By using these tests, you agree that they are provided for public use with no guarantee of validity or accuracy of the results and are not to be interpreted as diagnostic or indicative of any illness or disability. If you do have any concerns about your results after taking one of the tests, consult your GP for professional advice.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.


Prices for our service and/or products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance of the Service.


We have made every effort to display as accurately as possible the colors and images of our products and services that appear at the site. We cannot guarantee that your computer monitor’s display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region, or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at any time without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.


We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete, and accurate purchase and account information for all purchases made at our site. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.


We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools” as is” and “as available” without any warranties, representations, or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.


Certain content, products, and services available via our Service may include materials from third parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.


If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene, or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive, or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.


Your submission of personal information through the site is governed by our Privacy Policy. You can view our Privacy Policy, 


Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies, or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.


In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.


We do not guarantee, represent, or warrant that your use of our service will be uninterrupted, timely, secure, or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall ACO  our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. 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 maximum extent permitted by law.

ACO Spirituality Wellness is not a medical service and is not to be used for the purpose of seeking any form of medical advice, and is not providing, medical treatment or advice.


You agree to indemnify, defend, and hold harmless ACO Associates. and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.


In the event that any provision of these Terms of Service is determined to be unlawful, void, or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.


The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).


The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.


These Terms of Service and any separate agreements whereby we provide you Services shall be governed by English law and the English courts shall have exclusive jurisdiction over any disputes connected to the website and the services provided. If you use these services from outside the USA, you are responsible for ensuring your use conforms with your national and/or state laws.


You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.


If you are using either full or demo version, or you are giving us feedback on our services, or just visiting our website, this Privacy Policy applies to you. This policy contains information about the types of personal data we may collect, why we collect them and how we use it.

Our Role

If you are a customer just visiting our website, we act as the ‘data controller’ of personal data. This means we determine how and why your data are processed. For such purposes, the data controller is ACO Association.

If you provide us with personal information about other people, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. By submitting the information, you confirm that you have the right to authorize us to process it on your behalf in accordance with this Privacy Policy.

Types of Data We Collect

1. Contact details 
Your first name, last name, age, and email address.

2. Financial information
When you are using a credit card in order to make a payment, we collect the four last digits of the card number, the cardholder’s name, and the expiration date of the card. When you are making a payment via PayPal, we collect the first name, last name and email address connected with the PayPal account. When you are making a payment, we collect the first name, last name and 4 last digits of your credit card and its expiration date.

3. Data we collect automatically.
We may automatically collect information about you when you use our website. Most of these information are collected via the use of “cookies” and other similar technologies, such as web beacons.  You can learn more about Cookies and similar technology and how they are used in our website at the “Cookies and Similar technologies” section of this privacy policy.

A. Data relevant to your identity online and your location
Your IP (Internet Protocol) address used to connect your computer to the Internet, browser type and version, browser plug-in types, time zone setting, operating system and version, timestamp signature, device type, geolocation information about where you might be and login information relevant to our website. You may choose not to share your location details with us by adjusting your location services settings.

B. Data relevant to your use of our website
Your URL clickstreams (the path you take through our site), products/services viewed, page response times, download errors, how long you stay on our pages, what you do on those pages, how often, and other actions.

4. Special categories of data and children’s data
We don’t collect any data about you revealing racial or ethnic origin, political opinions, religious or philosophical beliefs, or trade-union membership, genetic data, biometric data for the purpose of uniquely identifying a natural person, data concerning health or data concerning sex life or sexual orientation, except when we have your explicit consent, or when we have to comply with the law.

When we offer you customer support, you might, out of your own initiative, provide us with details that are considered special categories of data relevant to your request.

We do not target and we do not knowingly collect any personal data from any person under 18 years of age.

Information Collected by Third Parties through Third-Party Links and Content.

ACO Intl or American Communications Online may include links to other websites and other content from third parties which are outside our control. We are not responsible for the security, privacy of the information collected by these third parties or the privacy practices of these third parties or the content on any third-party website. We thus encourage you to review the privacy policies of those third parties.

Our Legal Bases for Processing Your Personal Data

In order to collect and/or use your personal data we have at least one of the following legal bases:

You have given us clear and explicit consent to process your personal data for one or more specific purposes. If you have previously given consent to processing your data, you can withdraw such consent at any time. You can do this by emailing us at director@acointl.com or tjmorrisagency@gmail.com,. If you do withdraw your consent, and if we do not have another legal basis for processing your information (for example to defend a legal claim, or because we are obliged to retain such information by law), then we will stop processing your personal data. If we do have another legal basis for processing your information, then we may continue to do so, subject to your legal rights.

Processing your data is necessary for a contract to be formulated and executed with us (for the provision of services / products or otherwise), or because such information is necessary before entering into that contract.

Existing customers 
If you have been our customer in the past, we may communicate with you via email, in order to inform you about services / products similar to the ones you showed interest in, which we think you may like (read more bellow, at the section Promotional emails)

Legitimate interests 
Processing your data is necessary for our legitimate interests or the legitimate interests of a third party, provided those interests are not outweighed by your rights and interests. These legitimate interests are:
– delivering, developing, and improving our services and products
– determining whether marketing campaigns are effective
– improving data security
– gaining insights from your behavior on our website in order to be able to offer you and third parties services and products which they find useful.
– Defending or exercising a legal claim.
In each case, we found that these legitimate interests were not outweighed by your rights and interests.

Legal obligation
Processing of your data is necessary for compliance with a legal obligation to which we are subject (for example, providing you invoices).

Why do we collect your personal data and how do we use them?

We use your personal data for the following reasons:

To Provide you the services you request 
(legal bases: contract and legitimate interest)
Such as:
– To Manage your orders and requests, login and authentication,
– To remember your settings,
– To process orders and payments,
– To issue and send you invoices as may be required by law
For Customer support 
(legal bases: contract and legitimate interest)
Such as:
– To Notify you of any changes to our service / the fulfillment of your order
– To address requests / complains and solve issues via email or phone support, including any bug fixing.

For Marketing Purposes 
(legal bases: consent and legitimate interest)
Such as:
– To send you emails and messages about news, new features, products, services, offers/discounts, information about our website and content (if you are already a customer or with your explicit consent).
– To send you emails to ask you if you want to continue a transaction that you started but did not conclude.
– To offer via email a discount code to customers that have expressed interest in our products.
– To Personalize our services by understanding the interests of our customers and our website visitors
– To assess the effectiveness of our marketing efforts

For Analytics purposes /Improving our services 
(legal bases: consent and legitimate interest)
Such as: to test features, interact with feedback platforms and questionnaires, manage landing pages, heat map our site, traffic optimization and data analysis and research.

Promotional emails
(legal bases: consent and legitimate interest)
We may send promotional emails containing information about new products/services, offers/discounts etc. and news and information about our website. We will only send you newsletters and promotional emails if you are an existing customer and we believe you might be interested in receiving information about our new services/products, events and offers or when you have not concluded a purchase you have initiated.
We shall only collect the email you have provided us in order to facilitate our communications and no other personal data and for no other reason.
You can always unsubscribe by following the dedicated link at the end of each newsletter or promotional email and the procedure described therein or by emailing your request at director@acointl.comdirector@uap.associatestjmorrisagency@gmail.com

How We Protect Your Data

The website and online shop applicable EU and Cypriot legislation and it stores your personal data with safety. We have physical and electronic procedures (technical and organizational measures) to secure and protect the information we collect and process. We only allow controlled and limited access to personal data that we may have collected and stored. When using a third party to process your personal data on our behalf or when a third party is a ‘joint data controller’ with regards to your personal data, we take steps to ensure that your privacy rights continue to be protected as outlined in this Privacy Policy. Furthermore, we do not have access to payment transactions, as they are fulfilled by trusted third parties, which are well equipped to safeguard your financial data.

However, please keep in mind that no data transmission is guaranteed to be 100% secure. You are responsible of your username and password so please keep them safe and secret. If you believe your privacy has been breached, please contact us without delay by sending us an email at director#acointl.com or tjmorrisagency@gmail.com

Your Rights

1. You have the right to access the information we hold about you. You can contact us and we shall inform you about:
• the categories of data we’re processing
• the purposes of data processing
• the categories of third parties to whom the data may be disclosed
• how long the data will be stored (or the criteria used to determine that period)
• other rights you have regarding our use of your data
We can also send you a copy of this information, if you wish.

2. You have the right to ask us to correct personal data about you if they are inaccurate or incomplete.

3. You can object to us using your data for profiling you or making automated decisions about you. Please note that exercising this right does not equal to an obligation on our behalf to not show advertisements at all.

4. You have the right to ask us to directly transfer your data to another service, as long as it is technically feasible or to provide you a copy in a common machine-readable format.
Please note that if such data also contain personal data about another person, we may elect not to include such data in our deliverables.

5. You have the right to be ‘forgotten’.
All you have to do is ask and we will delete your data unless we have another legal reason to hold your personal data (such as a legal claim or a regulatory requirement).

6. You can ask us not to use your data for direct marketing purposes.

7. You can file a complaint regarding our use of your data to the Data Protection Authority.

Please tell us first and we would be happy to address your concerns.

You can exercise all the aforementioned rights (with the exception of number 7) by emailing us at director@acointl.com or tjmorrisagency@gmail.com

 We shall address your request within 30 days of its receipt unless it is too complicated, or we are dealing simultaneously with too many such requests. In the latter case, it may take us up to two additional months to address your request, but we will let you know if that is the case within 30 days of the receipt of your initial request.

Location of Processing and Storage of Data

The personal data we collect is processed at our offices and servers situated in the USA and in any data processing facilities operated by the third parties identified below.

You agree to the transfer, storing or processing of your data by us, by submitting your personal data to us. If your information is transferred or stored outside of the USA, EU, or the EEA in this way, we will take steps to ensure that your privacy rights continue to be protected as outlined in this Privacy Policy.

As a general rule, we will only keep your personal data for as long as it is necessary in order to provide you with our services unless we are required by law to keep them for an extended time. Any personal data stored by us will be deleted within 5 years of its collection. We may, however, keep your personal data for a longer period, in order to exercise or defend a legal claim or in case we are obliged by a legal provision to do so. Additionally, we will only store the email addresses of our customers for up to 5 years in order to send them our newsletter and marketing emails, a function from which they may unsubscribe at any time.

Third Parties and Sharing Your Information

As with most websites offering services and/or products, we often have to resort to third-party vendors in order to be able to keep our websites up and running, to provide our website’s services and in order to be able to perform all its functions already explained above.
These third parties help us host our website, facilitate your payments, communicate with you, power our emails, help us provide you with better services, analyze the performance of our website etc.

To that extent, sometimes it is necessary for us to share your data with them in order to get these services to work well. Please note that we will never sell your personal data to anyone.

Bellow, you can find our main third-party service providers with which we may be sharing your personal information.

In order to effectively provide you with the services of our website and shop on test-iq.org, we make use of a hosting services provider, more specifically American Communications Online. (americancommunicationsonline.com). By visiting our website, using our shop and the above discount programs you explicitly agree to our use of this service. You can learn more about the manner by which American Communications Online shall process personal data, and what data they collect, or we share with them, here:
(acoassociation.com or americancommunicationsonline.com)


In order to effectively provide you with the services of our website and store on tmorrisetradio.com We make use of a hosting services provider, more specifically TJMorris dba ACIR, ACO (https://tjmorrisagency.com}  and https://americancommunicationsonline.com ). By visiting our website, using our store and the above discount programs you explicitly agree to our use of this service. You can learn more about the manner by which American Communications Online shall process personal data, and what data they collect, or we share with them, here:

Allied Command Organization a division of American Communications Online
In order to be able to send our newsletter and promotional emails to you, we make use of the services of a third-party email service, more specifically mail gun (www.mailgun.com). By visiting our website and using our services you explicitly agree to our use of this service. You can learn more about the manner by which mail gun shall process personal data, and what data they collect, or we share with them, here:

Google (G Suite)
In order to be able to send our newsletter and promotional emails to you, we make use of the services of a third-party email service, more specifically Google (G Suite) (gsuite.google.com/solutions/new business). By visiting our website and using our services you explicitly agree to our use of this service. You can learn more about the manner by which Google shall process personal data, and what data they collect, or we share with them, here:

Google (DoubleClick)
In order to be able to offer you better services, we make use of the services of a third-party digital marketing service, more specifically Google (DoubleClick) (www.doubleclickbygoogle.com). By visiting our website and using our services you explicitly agree to our use of this service. You can learn more about the manner by which Google shall process personal data, and what data they collect, or we share with them, here:

Google (Analytics) 
In order to be able to offer better services and to collect aggregated anonymized information about the use and performance of our website, we make use of the services of a third-party service, more specifically Google (Analytics) (www.google.com/analytics). By visiting our website and using our shop you explicitly agree to our use of this service. You can learn more about the manner by which Google Analytics shall process personal data, and what data they collect, or we share with them, here:
You can opt-out of Google Analytics by installing Google’s opt-out browser add-on, https://tools.google.com/dlpage/gaoptout

Please note that you can always opt out of interest-based Google ads using Google’s Ads Settings (https://adssettings.google.com/)

Facebook (Business)
In order to be able to offer better services, we make use of the services of a third-party service, more specifically Facebook (Business) (www.facebook.com/business). By visiting our website and using our shop you explicitly agree to our use of this service. You can learn more about the manner by which Facebook (Business) shall process personal data, and what data they collect, or we share with them, here:

In order to be able to offer better services, we make use of the services of a third-party service, more specifically Bing. By visiting our website and using our shop you explicitly agree to our use of this service. Bing allows us to build lists of users who have searched for certain terms and clicked on results using their search engines so that we can target our advertising more effectively.

In order to offer you effective customer support services, we make use of the services of a third-party service, more specifically Zendesk (www.zendesk.com). By using our customer support services you explicitly agree to our use of this service. You can learn more about the manner by which Zendesk shall process personal data, and what data they collect, or we share with them, here:

In order to offer you a convenient way to pay for your purchases, we make use of the services of a third-party payment processor, more specifically Braintree (www.braintreepayments.com). By simply using your credit card as a payment method you explicitly agree to our use of this service. You can learn more about the manner in which Braintree shall process personal data, and what data they collect, or we share with them, here (to read agreements for a different country or region, change your location via the provided link on these pages):

In order to offer you a convenient way to pay for your purchases, we make use of the services of a third-party payment processor, more specifically PayPal (www.paypal.com). By using PayPal as a payment method, you explicitly agree to their terms for using their services. You can learn more about the manner in which PayPal shall process personal data, and what data they collect, or we share with them, here:

Except for the information specified under the section Financial information, all information collected by the above third-party providers for purposes of processing your payments is not available to us, unless you have otherwise provided this information to us in connection with your use of our website and/or our services.

If you disagree with the processing of personal data performed by any of the aforementioned third parties, we urge to refrain from using our website and/or shop.

Your information and countries outside the USA, EU, or the EEA

Some of your information, as specified above, is processed, transferred, or stored outside of the USA, EU, or the EEA. To that extent, we take steps to ensure that your privacy rights continue to be protected as outlined in this Privacy Policy. We always elect to cooperate with best-in-field third parties, which might also have appropriate accreditation in relation to personal data protection. We also ask any third parties outside the USA, EU or the EEA that have access to your personal data to provide us with appropriate safeguards for your information.

Cookies and Similar Technologies

Like most websites, we use Cookies and other similar technologies such as web beacons and local storages.

What are Cookies?

Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used to enable website functionality, efficiency, or reporting.

What are Web beacons?

Web beacons are tiny graphics files that contain a unique identifier that websites to recognize when somebody has visited them.

What are Local Storages?

Local Storages are web applications which can store data locally within the user’s browser.

For the purposes of this section and to keep things less complicated, under the Term “Cookies” all the aforementioned technologies shall be understood.

Cookies are widely used to enable website functionality, efficiency, or reporting, and they are not able to execute code or access other information stored on the computer. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information. These may be “session” cookies, meaning they delete themselves when you leave or “persistent” cookies which do not delete themselves and help us recognize you when you return. They can be placed by the domain operating the website or by third parties.

We use the following main types of cookies on test-iq.org:

Essential website cookies: These cookies are strictly necessary to provide you with services available through our Website and to use some of its features, such as access to secure areas.

Site functionality cookies, which allow you to navigate our website and use features.

Customer preference cookies, which will remember your preferences and details, so that your experience is more personal and streamlined.

Website analytics cookies, which allow us to analyze how our customers use our site, in order to improve it.

Targeting, tracking, and advertising cookies: these cookies are used to:• deliver ads regarding our products and services which might be relevant or useful to you.
• recognize new visitors to our websites.
• recognize past customers.
• store your password if you are registered on our site.
• improve our website.
• integrate with third-party social media websites.
• serve you with interest-based or targeted advertising.
• better understand the interests of our customers and our website visitors
• measure statistics relating to marketing efforts
Information that may be collected by cookies when you use our website and shop may include, without limitation:
• the pages you visit within our website;
• the date and time of your visit to our website;
• the amount of time you spend using our website;
• the Internet Protocol (IP) address used to connect your computer to the Internet; and/or
• your computer and connection information such as your browser type and version, operating system and platform.

Currently, many of the cookies on our website are placed by third party vendors (such as Facebook, google etc.). You can find which those third parties are at the section Third Parties and Sharing Your Information of this policy. Additionally, we may process anonymized data from cookies relevant to consumer behavior on our website, in order to provide you with better services.

This information is collected to enhance the site performance and end user experience. You can set your browser to reject cookies or to notify you when you are sent a cookie.

We will not associate identifiers from cookies or similar technologies with sensitive categories of data about you, such as race, religion, sexual orientation, or health.

By using our domains, websites, hosting, you agree to place the aforementioned cookies on your device and accessing them when you visit the site in the future. Nonetheless, you have the right to accept, delete, block, or reject cookies by modifying your browser settings accordingly. You can find out how by visiting websites such as allaboutcookies.org.

Moreover, it is possible to adjust your cookie preferences, via the use of One Trust Privacy Preference Center, whenever accessing our website.

We abide by all things allowed by law in our Business Models with ACO, ACIR, ACE, ACIT, and TJ Morris Agency. ACO American Communications Online sponsoring Ascension Center Organization and ACE Folklife Brands for purposes of recognition and visibility as used in commerce in the USA and Internationally since 1989-Hawaii, USA. Ascension Center Organization, Psychic Network Organization, TJ Morris dba ACO …

ACO Club – Member Services

There are 195 countries in the world today. This total comprises 193 countries that are member states of the United Nations and 2 countries that are non-member observer states: the Holy See and the State of Palestine.

$5.00 USD on paypal.com per person, paypal.me/tjmorrisetradio

In order to promote your web presence, products or services on our platform

Please read along and listen to our trusted friends as we get to know each other in all countries while we learn to trust for 1 year before doing trade and commerce with various brands online.

Our Terms of Services for All Resources Online.

ACO American Communications Online Media, News, Publishing Platform.

TERMS OF Service added on our resource domains, media, news, publishing, audio, and videos

ACOTPRO strives to ensure that all information contained on pages hosted by ACOTPRO.com or ACOTPRO.com subdomains is correct and up to date.

We cannot, however, accept responsibility for the content of external websites linked to through any of our ACO American Communications Online Technologies open-source intelligence educational entertainment platforms. People may want to join our ACO Club Membership in the future.

Third party content is accessed at the user’s own risk.

We cannot accept responsibility for any loss or inconvenience caused by reliance on any material contained in this site.

Please note that despite the nature of much of the material created and hosted on this website, or any others of TJ Morris Agency or ACO American Communications Online.com is not a financial reference resource and the opinions of authors and other contributors are their own and should not be taken as financial advice. If you require advice of this sort, we strongly recommends contacting a qualified industry professional.

All materials on this site are for informational purposes only. None of the material should be interpreted as investment advice.

By using our domains, websites, wordpress themes, platforms, media, news, publishing, you agree and consent to the policies contained in the above Terms of Service Agreement.

Specifically, you agree to hold ACO, ACIT, ACOT, ACE, American Communications Online, TJ Morris Agency and all affiliates, members, associates, developers, journalists, 3rd party blogs, vlogs, radio shows, and our branders, entrepreneurs we share in public relations or in educating entertainers and all our  affiliates, officers, directors, employees, agents, and third party service providers harmless from and defend them against any claims, costs, damages, losses, expenses, and any other liabilities, including attorneys’ fees and costs, arising out of or related to your access to or use of ACO-ACOTPRO, ACE, TJ Morris Agency, American Communications Online and all parties in our domains, websites, blogs, vlogs, shows, videos,  your violation of this user agreement, and/or your violation of the rights of any third party or person.

We will not be liable for any special, consequential, indirect, incidental, punitive, reliance, or exemplary damages, whether in tort, contract, or any other legal theory, arising out of or in any way connected with this agreement or your use of or attempt to use services online including (but not limited to) damages for loss of profits, goodwill, use, or data. This limitation on liability shall not be affected even if we have been advised of the possibility of such damages. Some states do not allow for the exclusion of implied warranties or the limitation or exclusion of liability for incidental or consequential damages, so the above exclusions may not apply to you. You may have other rights that vary from state to state.

You agree to release us, our affiliates, and third-party service providers, and each associated director, employee, agents, and officers, from claims, demands and damages (actual and consequential), of every kind and nature, known and unknown, disclosed, or undisclosed, arising out of or in any way connected to your use of TJ Morris Agency, ACO American Communications Online, ACIT, ACOT, ACO, ACE – TJ Morris Brands.

Any claim or dispute between you and us arising out of or relating to this user agreement, in whole or in part, shall be governed by the laws of the United States of American and city of Gulf Breeze, Santa Rosa Country, Florida without respect to its conflict of law’s provisions.

Privacy policy

Effective Date: April 5, 2018

We at ACO American Communications Online, TJ Morris Agency (“we”, “us”, “Website” or “Domains. Radio stations, channels, videos, radio shows”) respect your privacy. This Privacy Policy (“Policy”) applies to personal and customer information (“information”) obtained by and through our websites, radio stations, 3rd party, as well as our web browser extension ACO American Communications Online audio, video, media new publishing platform and our developers and co-creations of news or any other source to which this Policy is linked or referenced.

The Policy describes the types of information we obtain about visitors of our website (“You”, “Your”) and how we use said information. We also describe the measures we take to protect the security of the information and how you can contact us about our privacy practices.

For the purpose of the General Data Protection Regulation 2016/679 and any implementing legislation (the “GDPR”), we will be the data controller responsible for any personal data we process.

1. Types of information we obtain

1.1. Non-personal Information:

1.1 (a) When you visit TJ Morris Agency, AQCO American Communications Online cloud, ACO WIFI through 3rd party technology such as ATT or Mediacom our system obtains information regarding your use of our website through automated means, including, but not limited to, web server logs, JavaScript, and similar technologies. We are probably ourselves have no idea since we share open-source information and GitHub and other means with other associations…

1.2. Personal Information:

1.2 (a) We may obtain your personal data from the following sources:
i) from you directly (through the website or online forms); and/or
ii) from third parties, service providers that are assisting us in providing you with a service, or from your social networks accounts you used to sign into our online services

1.2 (b) By voluntarily providing us with personal information, including, without limitation, by using the Website, you expressly and irrevocably agree to our use of your personal information in accordance with this Privacy Policy. If you provide personal information to us, you acknowledge and agree that such personal information may be transferred from your current location to the servers of the Website and to the servers of authorized third parties unless it is permitted by the applicable law.

1.2 (c) We may collect the following categories of personal data relating to our existing or prospective individual visitors:
а) Contact information;
b) Your IP address and unique mobile device identification numbers (such as your device ID, advertising ID, MAC address);
c) Data about your device, such as manufacturer, operating system, browser type and language;
d) Broad location data;
e) Precise geolocation data ;
f) Data we collect with cookies and similar technologies
g) Data we receive if you link a third party tool with the Service (such as Facebook, Google or Vkontakte);
h) Data for advertising and analytics purposes, so we can provide you a better Service;
i) Your messages to the Services (such as any feedback you submitted about your exp) browser type;
j) information on the use of our website (for example, pages visited, geographical location, time spent on the website, online transactions);
k) preferences regarding online marketing; and/or
l) Other data you choose to give us.

1.3. Additional Information:

1.3 (a) From time to time we reserve the right to obtain information about legal entities that visit our website, through their representatives.

1.3 (b) We may obtain information about the website of a legal entity, the name of the legal entity, the contact information of the legal entity, including business e-mails, the country of incorporation, and the link to the ICO of the legal entity (if applicable).

1.4. We may use our web browser extension to obtain information described in this Policy. Our web browser extension can only access specific information that you have explicitly granted permission to access. We cannot and do not track your browsing history.

2. How we collect information?

2.1. We may collect personal identification information such as your email and name from you only if you voluntarily submit such information to us. You can always refuse to supply personal identification information. We may collect non-personal identification information about you whenever you interact with our website.

3. How we use the information we obtain?

3.1. We use non-personal information for the following purposes:

(a) to prevent you from seeing unnecessary advertisements or requiring you to re-enter the Website more than is necessary.

(b) to calculate the aggregate number of people visiting our website and which parts of the Website are most popular.

(c) to improve the content of our web pages and to customize the content and layout of our pages.

(d) to deliver the information you request from the Website, such as an article, news, review, analysis etc.

3.2. Areas in which we may use your personal information include, but are not limited to, providing you with email newsletters, feedback and especially the ability to comment on articles, interactive forms. If you provide us with your email address, you may receive periodic promotional emails from us and carefully selected partners with information regarding special offers or services in case you provide a consent for such actions from our side. You may also receive informational emails from us related to administrative notices regarding the operation of the Website. You may at any time withdraw your consent to receive electronic advertising emails by sending a withdrawal notice to tjmorrisagency@gmail.com  or by pressing the dedicated button (“an unsubscribe button”) in any email from any of our domains, or newsletters.

3.3. We may share your information with the following types of third parties:
a) technical support providers who assist with our website and infrastructure,
b) third party software providers, where the provider hosts the relevant personal data on our behalf;
c)professional advisers such as solicitors, accountants, tax advisors, auditors and insurance brokers;
d) providers that help us generate and collate reviews in relation to our goods and services;
e) our advertising and promotional agencies carrying out our marketing campaigns on our behalf and to advertise their own products or services that may be of interest to you; and/or
f) service providers that assist us in providing our services.

3.4. We may share your information with Law enforcement or government bodies.
We may disclose your personal data as permitted by law in order to investigate, prevent or take action regarding illegal activities, suspected fraud, violation of our intellectual property rights, situations involving potential threats to the physical safety of any person, violation of our agreements, or as required by law.

4. Cookies

4.1. Cookies are files with a small amount of data that may include an anonymous unique identifier. Cookies are sent to your browser from the Website and stored on your computer’s hard drive.

4.2. Like many websites, we use “cookies” to collect information. We use cookies on our website to collect data about your visit and to allow you to navigate from page to page, count visits, and see which areas and features of our website are popular. This helps us to gather feedback in order to constantly improve our website and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.

4.3. You can control and/or delete cookies if you wish. You can delete all cookies that are already on your computer, and you can set most browsers to prevent them from being stored therein. If you do this, however, some services and functionalities of our website may not work.

5. Data retention

5.1. We will retain your information for as long as is needed to provide you services, or as required to fulfill our legal obligations. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

5.2. By contacting us at TJ Morris Agency, ACO American Communications Online, ACO Wi-Fi Channel you can at any time obtain confirmation of whether or not personal data concerning you is being processed.

5.3. You have the right to access and export your information at any time by sending a request to Theresa J Morris, Agent as TJ Morris Agency, ACO American Communications Online at google Gmail at tjmorrisagency@gmail.com. TJ Morris works remote at her HQ home. 

6. Privacy complaints

6.1. To the extent that our processing of your information is subject to the USA and EU General Data Protection Regulation, we rely on our legitimate interests, described above, to process your data. You have a right to object to our use of your information for our own marketing purpose at any time by clicking on the special button and opting out from receiving all email. You may also object to processing by emailing us through tjmorrisagency@gmail.com

6.2. We take privacy concerns seriously. If you believe that we have not complied with this Privacy Policy with respect to your information, you may contact our Data Protection Office at TJ Morris Agency, ACO American Communications Online, at tjmorrisagency@gmail.com . In your message, please describe in as much detail as possible the ways in which you believe that the Website’s Privacy Policy has not been complied with. We will investigate your complaint promptly and will reply to you within 30 -60 days.

7. How we protect personal Information

7.1. We maintain administrative, technical, and physical safeguards designed to protect the personal information we have about you against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.

7.2. We have put in place appropriate security measures to prevent your data from being accidentally lost, used, or accessed in an unauthorized way, altered, or disclosed. In addition, we limit access to your data to those employees, agents, contractors and other third parties who have a business need to know. They will only process your data on our instructions, and they are subject to a duty of confidentiality.

We have put in place procedures to deal with any suspected data breach and will notify you and the competent regulator of a breach where we are legally required to do so.

8. How Long Do We Keep Your Personal Data?

8.1. We will keep your personal data only for as long as is necessary for the purposes for which it was collected in connection with your requests via our website or your use of our website.

9. Third-party links

9.1. Occasionally, at our discretion, we may include or offer third-party products or services on the Website. These third-party providers have separate and independent privacy policies. We, therefore, have no responsibility or liability for the content and activities of these linked services. Nonetheless, we seek to protect the integrity of our website and welcome any feedback about these services.

10. Analytics

10.1. To determine how many persons visit our website and to better understand the areas of greatest interest to our visitors, we reserve the right to have relationships with web analytics companies that compile this information for us. For further information, consult the privacy policies of the web analytics company we use: Google Inc. http://www.google.com/intl/en/privacy.html

11. Changes to the Privacy Policy

11.1. This Privacy Policy may be updated periodically and without prior notice to you to reflect changes in our personal information policies. For significant changes, we will notify you by posting a prominent privacy policy on our website indicating at the top of the Policy when it was most recently updated.

12. Children

12.1. We do not intend to solicit or collect Personal Information from anyone under the age of 18 or under the legal age of your country if it is higher. If you are under 18 or are not of a legal age of your country, you shall not provide Personal Information on this Site.

13. Your Rights

13.1. You are entitled to obtain information from us on how we handle your personal data, to see copies of all personal data held by us and to request that your personal data is amended, corrected, or deleted from our systems. You can also limit, restrict, or object to the processing of your data. We do not carry out any decision-making based solely on automated processing, including profiling.
If you gave us your consent to use your data, you can withdraw your consent at any time. Please note that even if you withdraw your consent, we can still rely on the consent you gave as the lawful basis for processing your personal data before you withdrew your consent.
You can object to our use of your personal data where we stated we rely on our legitimate business interests to do so.

13.2. If you want to request that we no longer use and process your information to provide you services as well as withdraw your personal data, please write us at tjmorrisagency@gmail.com.  We will respond to your request within 30 (thirty) days.

14. Law and Harm

14.1. Notwithstanding anything to the contrary in this Policy, we may preserve or disclose your information if we believe that it is reasonably necessary to comply with a law, regulation, legal process, or governmental request; to protect the safety of any person; to address fraud, security, or technical issues; or to protect our or our visitors’ rights or property.

14.2. We may share your personal information with law enforcement, data protection authorities, government officials, and other authorities when we are legally bound to do so or to protect the safety of visitors and our mission in education with TJ Morris Agency and ACO American Communications Online.

15. Contacting Us

15.1. If you have any questions about this Privacy Policy, the practices of our website, or your dealings with our website, please contact us at tjmorrisagency@gmail.com, We use google for convenience and saving cost.

16. Transfers of Personal Data Outside the USA United States of America or Eu/European Economic Area- We use GODADDY.com for our International Affiliates List we are sharing. Going International on the International Balkanization in Cyberspace is our goal.

193 +2 countries for we believe in space technology and the whole world should have access open-source information on the Internet for Cyberspace Culture Online. We believe in communication and have a holding company we hope to grow to prove our cause and net worth for aco members.  We may trade in USD or crypto currency.

We use PayPal at paypal.me/tjmorrisetradio for our marketing campaigners.

We share your personal data with our affiliates in the USA, EU and outside the EU. International transfers with ACO affiliates outside the EEA, are governed by EU Commission-approved Standard Contractual Clauses for Controllers and, where relevant, for Processors.
We share personal data with external vendors or service providers or suppliers that we engage to perform services or functions on our behalf and under our instructions. Where these vendors are located within the EU, we ensure that they are contractually obligated to comply with the EU data protection rules. We also ensure in our contracts with these organisations that they only Process Personal Data in accordance with our instructions and in order to provide the agreed services and protect the integrity and confidentiality of your personal data entrusted to them.
We may also disclose personal data to our advisers, consultants, law enforcement and other public authorities (such as tax and social security bodies), the police, prosecutors, courts, and tribunals. All these recipients are themselves responsible to comply with the EU data protection rules.

17. Rights of use

In accessing and using the Website you agree that you may only download the content, including text, pictures, graphics, video, audio material, software, or any other form, of the Website or any portion of it (“Content”), for your own personal non-commercial use.

Except as set out above, you are not permitted to copy, reproduce, duplicate, broadcast, download, store (in any medium), transmit, resell, show, or play in public, adapt, or modify in any way the Content for any other purpose whatsoever without the prior written permission of Theresa J Morris, TJ MORRIS Agency, or ACO American Communications Online at tjmorrisagency@gmail.com.

All intellectual property rights, including copyright in the Content accessible (or available for download) belong to our owners of our domains and our ACO American Communications Online Investors in TJ Morris Agency resources, for educational purposes on the Internet and in audio, video, and print news online.  All rights are hereby reserved internationally by Theresa J Morris who does business with GoDaddy.com, Microsoft, YouTube, and major distributors online on the Internet Highway in Cyberspace Culture for Educational purposes.


TJ Morris Agency, all subdomains, ACO American Communications Online is provided on “as is” basis and without any warranty whatsoever. We and our affiliates and third-party service providers disclaim, to the maximum extent permitted by law, any and all warranties, express or implied, including (but not limited to) implied warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights, or any other warranty, condition, guarantee or representation, whether oral or electronic. You are solely responsible for any damage to your computer or mobile device, loss of use, or loss of your user content.

All the things you do and all the information you submit or post to TJ Morris Agency, ACO American Communications Online and domains and radio shows, videos, or educational videos made for YouTube remain your responsibility. You will not hold us legally liable for any of your user content or actions that infringe the law or the rights of a third party or person in any way.

Our goal is to serve both your and community interests, so if you have an issue or dispute, you agree to raise it and try to resolve it with us informally. You can contact us with feedback and concerns by emailing us at tjmorrisagency@gmail.com or director@acointl.com

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