Video Summary

 

When someone dies, what happens to their bank account? Well, the first thing you need to determine is whether the bank account was joint or whether it had any beneficiaries. If it is a joint account, then it’s presumed that it goes to the person that’s on the signature card with the decedent, or if there’s a designation of beneficiaries saying it’s payable on death to a certain beneficiaries, then it goes to the beneficiaries and all they need is a death certificate. If the account is just in the decedent’s name, well then it has to go through a probate proceeding, either under a will or if they don’t have a will. In circumstances where it’s a small bank account, then there is a proceeding called a distribution without administration wherein if the amount of the funeral bill, which you paid, or whoever paid it is more than what’s in the account or the same amount, then the person who paid the funeral bill can make application to the probate court for distribution without administration. So depending on the size of the bank account, there may be a relatively simple procedure to see about getting the account if the money was used to pay the funeral Bill, my phone number, (727) 847-2288.

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PROHIBITED CONDUCT
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Privacy Policy

This web site, rdwaller.com, is dedicated to protecting your privacy as you visit our web pages. The privacy that we extend to our web browsing guests is exactly that which we expect when we surf the internet. You can expect the same standard of privacy protection for your personally identifiable information on our internet web sites that we extend in every other interaction with rdwaller.com.

 

The rdwaller.com Privacy Policy is in accordance with the Direct Marketing Association’s MARKETING ONLINE PRIVACY PRINCIPLES, as agreed upon by the ONLINE PRIVACY ALLIANCE, the leading association devoted to promoting and developing online and internet services world wide.

 

This following Privacy Policy will answer questions about the kind of information that we may we collect and how we use it. We have also included information on how to prevent your personal information from being collected when you visit our web site, respond to our web-based advertisements, or send e-mail to us. We reserve the right to modify this Privacy Policy at any time without prior notice. If we change or update our Privacy Policy, we will post the revised policy here, and any changes will apply to all information collected by rdwaller.com, including previously collected information.

 

PERSONALLY VOLUNTEERED INFORMATION

Only on a voluntary basis do we collect information of a personal nature from our visitors. We define personally identifiable information as information that may include name, address, e-mail, credit card information (in the case of electronic commerce only) etc. The personally identifiable information that you may volunteer to us may be used to fulfill your request, provide you with information or to market products, events, and/or services which may be of interest to you. These offers may come directly from us, from our direct affiliates or from other reputable organizations whose Privacy Policies are assumed to be in line with those of rdwaller.com. Each offer that may be made is carefully examined to ensure that it meets our high standards. Additionally, every effort is made to be sure that these offers reach only those individuals most likely to be interested in them. If your personally identifiable information is to be used in any fashion other than outlined above, the intent will be expressly stated on this web page. At rdwaller.com, the question that we apply to all after-visit contact and/or correspondence is, “Would I like to receive this?”

 

OTHER PERSONAL INFORMATION

Our servers are programmed to collect the domain names (not the e-mail addresses) of visitors to this web site. This information may be reviewed to measure usage data, such as visits, average time spent viewing each web page, and the pages re-viewed, etc., which is used by rdwaller.com to improve the content of our web pages. This information is never shared with persons or companies outside of our organization.

 

COOKIES

Cookies, tags and other similar technologies may be used on our web site to assist us in better serving our visitors each time that they may return for a visit to this web site. A cookie is a small piece of information that our web servers send to your browser and which is stored on your computer. These technologies allow us to recognize your preference information, keep track of your purchases, if any, remember membership or access numbers and to facilitate effective site administration.

That small piece of information allows our servers to say, “Oh yes…… we have hosted this person previously,” and it also allows servers to recall things about your past interaction with the web site, for example, “This visitor told us that they like to view the temperature displayed in Celsius, not in Fahrenheit.” For your better understanding of the term “cookie,” we have provided a detailed and non-technical DEFINITION of COOKIES. The cookie technology utilized by rdwaller.com may contain only the information that you submit to rdwaller.com via page visits and the Guestbook in addition to the browser collected information obtained as you move from page to page on our web sites.

Remember, you have control over the cookie. You can always set your browser to warn you before a cookie is sent to you. Please refer to your browser Help Instructions to learn more about cookies. This will give you more and much better control over the cookies process.

The data collected utilizing cookie technology helps us in our analysis of browsing patterns of visitors so that the content and design of our web sites can be improved. The information collected as a result of this cookie process is for the exclusive use of rdwaller.com and its direct affiliates, and will not be shared.

 

LOG FILES

Almost every time that you visit any web site on the internet, web servers ‘log’ your interaction with the web site in something called a log file. Standard log files, like ours, contain basic information such as times of page visits, what pages were viewed, and the IP address of the visitor. This information is used to analyze trends, web site administration, to track movement around our web site, and to gather broad demographic information for aggregate use. No effort ever is made to relate an IP address with an individual visitor.

 

When we share log file information with advertisers or partners, it is done only in the aggregate. For example, “Our average visitor looks at ‘nn’ number of pages on each visit”, or, the last page viewed was “xyz.html.

 

NEWSLETTERS

Should a visitor wish to subscribe to an offered newsletter, we may ask for some basic demographic information. We use this information to learn more about the type of content that those requesting the newsletter information may most wish to receive. At a later date, that volunteered demographic information may be used to transmit content that may be of interest. For example, subscribers in Japan may be made aware of news that we deem of interest to those in that area of the world.

 

SURVEYS and CONTESTS

From time to time rdwaller.com may request information from visitors during surveys or contests. Participation in these surveys and/or contests is voluntary. The visitor, therefore, chooses whether or not to disclose any information. Information requested may include contact information (such as name and shipping address,) demographic information (such as zip code and age range) and more subjective questions about how the web site is used. With surveys, the information that you volunteer will not be associated with you, and that information will only be aggregated and used to allow us to monitor and improve the use and satisfaction of the web site. We may also share this aggregated information.

 

As for contests, contact information will be used to notify the winners and award prizes. We may stage contests in conjunction with sponsors. When this is the case, we may wish to share the information that you give with that contest sponsor, but if this is the case, you will be clearly notified.

 

Contests are not available to visitors from every country and every state in the United States. We regret that, due to varying laws, contests are not offered to and therefore are not available, due to legal considerations, to visitors and to web site users from every country and from every state.

 

Contest winners, in the case of high value awards, are required to disclose their true full name, and for tax purposes, their social security number. Winners, at the time of the filling out the entry form, unconditionally give the right to rdwaller.com to use their name and true unaltered likeness in promotional materials.

 

If our online data files include personally identifiable information about you, you are able to update that information. Please see the contact information below.

 

CHILDREN

The rdwaller.com content is not generally of interest to underage individuals. rdwaller.com does not intentionally collect personally identifiable information from individuals that may be under eighteen years of age. If and where appropriate, rdwaller.com web sites will specifically instruct children not to submit information to our web sites. If you are a child under 13 years of age, you should not submit any information to us, or for that matter, you should not submit any information to any internet web site without your parents’ knowledge and permission. If a child has provided us with information, a parent or guardian of that child should contact us, should they like this information deleted. A reasonable effort will be made to delete that child’s information from our existing files, should such information in fact be contained in our files.

 

In accordance with the Children’s Online Privacy Protection Act (COPPA) and with the Children’s Advertising Review Unit (CARU) guidelines for web sites, rdwaller.com does not, at any time, knowingly solicit or collect information from, or market any products to, children under the age of 13.

 

PARENT/GUARDIAN

We at rdwaller.com strive to provide a safe online environment. However, to ensure the safety of children and to monitor better their activities, we encourage parents to get involved when your child goes online so that you can be aware of what they are viewing, and learning. We do not knowingly market via our web sites or by direct marketing to children under 13 years of age.

 

LINKS TO OTHER INTERNET WEB SITES

rdwaller.com attempts to post only links to web sites which have a similarly high respect for your privacy. However, we are not responsible for the content or the privacy practices that may be employed by other web sites to which we may link. Should you have a problem on any web site to which we link, please let us know by sending an e-mail to the address below.

 

SECURITY

At rdwaller.com we take reasonable measures to keep all personally identifiable information about our online visitors secure against unauthorized access. Security measures of all of the internet web sites and web pages that we publish or control are periodically reviewed. rdwaller.com’s Privacy Policy applies solely to information collected by rdwaller.com. You will know when you are leaving our site as a new browser window will open. Please be aware that due to the changing nature of the internet, rdwaller.com is unable to make “iron-clad” security guarantees.

 

OTHER

The information that you may provide to rdwaller.com is not rented or sold to, or shared in any way, with third party data compilation services.

 

A FINAL IMPORTANT NOTE; NO ADDITIONAL NOTICE OF CHANGE

 

The internet is an evolving medium. Should we change our Privacy Policy at some point in the future, we will post the changes on this page before they take effect. That posting will be the only notice given of any changes.

 

CONTACT INFORMATION

If you would like to add your name, correct your information, or to remove your name from our mailing list, please e-mail us at the e-mail address below. If you prefer, you can fill out our contact form, HERE.

 

As a demonstration of our commitment to privacy protection, rdwaller.com provides the following informational links to the web sites of some privacy related organizations which may be of interest.

 

 

Cookie Central

The “Consumer Assistance” Page of the Direct Marketing Association

The 12 Ways to Protect Your Online Privacy

 

Website User Agreement

Welcome to rdwaller.com. We have designed our web site to be useful and informative. We utilize industry standard navigation and viewing technologies. Currently this Service is available to visitors at no cost. We hope that we have succeeded and we hope that you will LET US KNOW how we can be even better. All that we ask in return is that you abide by the terns and conditions of the Web Site User Agreement that follows. Please read them carefully, because when you use rdwaller.com, you automatically agree to them.

 

1. rdwaller.com (“We,” “Service”), reserve(s) the right to change the terms of this Agreement or to modify any features or content of this web site at any time. By accessing this internet Service and/or continuing to use rdwaller.com after the posting of Change Notices, you agree to be bound by such changes.

 

2. By exiting this page and viewing other pages, you represent that you have read and agree to abide by this Agreement, and that you have read our INTERNET PRIVACY POLICY and LEGAL NOTICES pages.

 

3. This Service, including but not limited to text, photographs, graphics, video and/or audio content, is protected by COPYRIGHT© as a collective work or compilation under the Copyright laws of the United States of America and other countries. All individual articles, content and other elements comprising this internet Service are also copyrighted works. Certain information on this web site is trademarked and/or copyrighted by others, and is the property of those respective owner(s). You agree to abide by all Copyright Notices or restrictions as published on this web site. By posting to this internet Service, you are giving rdwaller.com the right to display such content on this web site and its affiliated publications, and to use such content for promotional and marketing purposes without notice. Please view our Copyright Notice posted HERE.

 

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(b) rdwaller.com has been specially designed for presentation of content in a unique format and appearance to our visitors. We are concerned about the integrity of our internet Service when it is viewed in a setting created by a third party that includes advertising or other materials that we have not authorized to be displayed with our internet Service. Without limiting the provisions of paragraph 5, neither you nor any third party shall make use of the contents of this internet Service in any manner that constitutes an infringement of our rights, including Copyright.

 

(c) Just as rdwaller.com requests that our visitors respect our Copyrights, and those of our affiliates and partners, we strive to respect the Copyrights of others. If you believe in good faith that your Copyrighted work has been reproduced on this internet web site without authorization in a way that constitutes Copyright infringement, please notify our Copyright Officer at the e-mail address below, immediately.

 

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6. This internet Service is available “as is.” We do not warrant that this internet Service will be uninterrupted or error free. There may be delays, omissions, interruptions and inaccuracies in the news, information or other materials available through this internet Service. We are not responsible for the availability or content of other internet web sites that may be linked to this internet Service. We do not make any warranties, either expressed or implied, including without limitation, those of merchantability and fitness for a particular purpose, with respect to this internet Service or any information or goods that are available or advertised or that may be sold through this internet Service. We make no representation, nor do we endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database displayed, uploaded or distributed in this internet Service or available though links in this internet Service. We reserve the right to correct any errors or omissions in this internet Service.

 

7. This internet web site contains links to other internet web sites (“Third Party Sites”). Where possible, rdwaller.com will make these links obvious by color change. Some Third Party Sites may be co-branded with rdwaller.com. rdwaller.com is not responsible for the availability or content of Third Party Sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third Party Sites.

 

8. rdwaller.com, its officers, directors, shareholders, subsidiaries, affiliates, suppliers, agents, and/or licensors are not liable for incidental, indirect, consequential, special, punitive, or exemplary damages of any kind, including lost revenues or profits, loss of business or loss of data, in any way related to this internet Service or for any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies in this internet Service, including without limitation, as a result of breach of any warranty or other term of this Agreement. Any claim against rdwaller.com shall be limited to the amount paid, if any, for use of this Service. Please view our Legal Statement posted HERE.

 

9. This Agreement and use of this internet Service may be terminated by either party for any reason at any time. Sections three (3), five (5) and six (6) through eleven (11) and thirteen (13) of this Agreement shall survive such termination.

 

10. Although we intend to take reasonable steps to prevent the introduction of viruses, worms, “trojan horses” or other destructive materials, we do not guarantee or warrant that this Service or materials that may be downloaded from this Service do not contain such destructive features. rdwaller.com is not liable for any damages or harm attributable to such features. If you rely on this internet Service and any materials available through this Service, you do so solely at your own risk.

 

11. As to Linking and Framing, we do not permit other websites or webmasters to frame this website or any portion thereof. You may link to this website if the link does not falsely imply or suggest that we have endorsed or affiliated our organization with your organization, website or endeavors, in any way.

 

12. As for contests, contact information will be used to notify the winners and award prizes. We may stage contests in conjunction with sponsors. When this is the case, we may wish to share the information that you give with that contest sponsor, but if this is the case, you will be clearly notified.

 

Contests are not available to visitors from every country and every state in the United States. We regret that, due to varying laws, contests are not offered to and therefore are not available, due to legal considerations, to visitors and to web site users from every country and from every state.

 

Contest winners, in the case of high value awards, are required to disclose their true full name, and for tax purposes, their social security number. Winners, at the time of the filling out the entry form, unconditionally give the right to rdwaller.com to use their name and true unaltered likeness in promotional materials.

 

13. This Agreement shall be governed by the laws of the State of Florida, USA.

 

It is the express wish of the parties that the Terms of Use (User Agreement) and all related documents have been drawn up in English. C’est la volonté expresse des parties que la présente convention ainsi que les documents qui s’y rattachent soient rédigés en Anglais.

 

Thank you for visiting rdwaller.com.

 

Requests for reproductions of and/or for reproduction rights to content on the rdwaller.com web site should be directed to the e-mail address below. Please note “copyright/repro” on the subject line. We will respond to serious inquiries.