Creativity in Business

What business am I in?—I’m in the creative-business business. Sadly, many business leaders don’t grasp how transformational creativity can be to their bottom line, while most creatives don’t have an understanding about how their special sauce can drastically impact business results. When it comes to creativity itself, I am on the record as suggesting, “courageous […]

Fear of Innovation in Business

In a 2015 U.S. Innovation study by the management consulting company Accenture, American executives and managers were asked about their companies’ attitudes toward innovation. Sixty percent agreed or strongly agreed that their organization struggled to learn from past mistakes. More than 70 percent agreed or strongly agreed that opportunities to harness underdeveloped areas died because […]

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Privacy Policy

Welcome to our website. If you continue to browse and use this website you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Ryan Berman’s relationship with you in relation to this website.

The term ‘Ryan Berman’ or ‘us’ or ‘we’ refers to the owner of the website whose registered office is 1431 Linda Sue Lane Encinitas, CA 92024. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

• The content of the pages of this website is for your general information and use only. It is subject to change without notice.

• Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

• Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

• This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

• All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.

• Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offence.

• From time to time this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

• You may not create a link to this website from another website or document without Ryan Berman’s prior written consent.

• Your use of this website and any dispute arising out of such use of the website is subject to the laws of the United States of America.

What do we use your information for?

Any of the information we collect from you may be used to send periodic emails.

The email address you provide may be used to send you information, respond to inquiries, and/or other requests or questions.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you enter, submit, or access your personal information.

Do we use cookies?

We do not use cookies.

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

California Online Privacy Protection Act Compliance

Because we value your privacy we have taken the necessary precautions to be in compliance with the California Online Privacy Protection Act. We therefore will not distribute your personal information to outside parties without your consent.

Childrens’ Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.

This policy was last modified on March 2020

Contacting Us

If there are any questions regarding this privacy policy you may contact us using the information below.
ryanberman@couragebrands.com or write us at Courageous Privacy Policy inquiry, 1431 Linda Sue Lane Encinitas, CA 92024.