Today’s economy is driven by ever-changing technology and globalization. Businesses need keen and consistent marketing strategies in order to stay ahead. Bena•Factor Marketing℠ provides strategic marketing solutions that help businesses navigate and succeed in a dynamic playing field. Using industry best practices and resources, Bena•Factor Marketing℠ delivers optimal results based on customer-specific needs.
Bena•Factor Marketing℠ is a valuable resource for businesses in a highly technological, competitive, and global environment. Flexibility and adaptability are key to managing change and growth.
Bena•Factor Marketing℠ helps businesses navigate challenges brought on by our ever-changing universe. We help businesses develop strategic goals and implement solutions for managing simple to complex problems and projects. We help businesses create long-term marketing solutions that positively impact the bottom line.
Services include strategic marketing, marketing planning, market research, branding strategy, digital marketing strategy, and more. To discuss your needs, and to learn more about how Bena•Factor Marketing℠ can help, contact me, Bernadette Njoku.
Bena•Factor Marketing℠ is solely owned and operated by Dr. Bernadette P. Njoku. Through her work, she seeks to create value-oriented strategies and build mutually beneficial long-term relationships with clients. She focuses on understanding cultural, lifestyle, and various factors that influence behaviors. Her interests include social entrepreneurship, with special attention on the arts (fine arts, applied and decorative, and performing arts) as institutions that sustain economies and build societies.
She received her doctorate in business administration (D.B.A.) from Cleveland State University, OH, marketing and management specialities; master's degree in business administration (M.B.A.) from Pace University, NY, marketing specialty; and bachelor's degree (B.A.) in chemistry from the University of Dallas, Irving, TX.
Previously, Dr. Njoku served on the Advisory Board of the NYS Children and Family Trust Fund, and the boards of eBa Dance Inc., Black Dimensions in Art (BDA), Schenectady, NY, and Albany Center for Economic Success (ACES), NY. She has taught at various colleges/universities full- and part-time.
Collection of Your Personal Information
In order to better provide you with products and services offered, Bena-Factor Marketing may collect personally identifiable information, such as your:
- First and Last Name
- Mailing Address
- E-mail Address
- Phone Number
If you purchase Bena-Factor Marketing's products and services, we collect billing and credit card information. This information is used to complete the purchase transaction.
Bena-Factor Marketing may also collect anonymous demographic information, which is not unique to you, such as your:
We do not collect any personal information about you unless you voluntarily provide it to us. However, you may be required to provide certain personal information to us when you elect to use certain products or services. These may include: (a) registering for an account; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; (e) submitting your credit card or other payment information when ordering and purchasing products and services. To wit, we will use your information for, but not limited to, communicating with you in relation to services and/or products you have requested from us. We also may gather additional personal or non-personal information in the future.
Use of Your Personal Information
Bena-Factor Marketing collects and uses your personal information to operate and deliver the services you have requested.
Bena-Factor Marketing may also use your personally identifiable information to inform you of other products or services available from Bena-Factor Marketing and its affiliates.
Sharing Information with Third Parties
Bena-Factor Marketing does not sell, rent or lease its customer lists to third parties.
Bena-Factor Marketing may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is transferred to the third party. Bena-Factor Marketing may share data with trusted partners to help perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Bena-Factor Marketing, and they are required to maintain the confidentiality of your information.
Bena-Factor Marketing may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Bena-Factor Marketing or the site; (b) protect and defend the rights or property of Bena-Factor Marketing; and/or (c) act under exigent circumstances to protect the personal safety of users of Bena-Factor Marketing, or the public.
Opt-Out of Disclosure of Personal Information to Third Parties
In connection with any personal information we may disclose to a third party for a business purpose, you have the right to know:
• The categories of personal information that we disclosed about you for a business purpose.
You have the right under the California Consumer Privacy Act of 2018 (CCPA) and certain other privacy and data protection laws, as applicable, to opt-out of the disclosure of your personal information. If you exercise your right to opt-out of the disclosure of your personal information, we will refrain from disclosing your personal information, unless you subsequently provide express authorization for the disclosure of your personal information. To opt-out of the disclosure of your personal information, visit this Web page https://benafactormarketing.com.
Security of Your Personal Information
Bena-Factor Marketing secures your personal information from unauthorized access, use, or disclosure. Bena-Factor Marketing uses the following methods for this purpose:
- SSL Protocol
When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.
We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through this Site cannot be guaranteed.
Right to Deletion
Subject to certain exceptions set out below, on receipt of a verifiable request from you, we will:
• Delete your personal information from our records; and
• Direct any service providers to delete your personal information from their records.
Please note that we may not be able to comply with requests to delete your personal information if it is necessary to:
• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us;
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
• Debug to identify and repair errors that impair existing intended functionality;
• Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
• Comply with the California Electronic Communications Privacy Act;
• Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
• Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
• Comply with an existing legal obligation; or
• Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Children Under Thirteen
Bena-Factor Marketing does not knowingly collect personally identifiable information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this application.
Opt-Out & Unsubscribe from Third Party Communications
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from third-party partners of Bena-Factor Marketing by contacting us here:
- Web page: https://benafactormarketing.com
- Email: contact@BenaFactorMarketing.com
- Phone: 8884635559
From time to time, Bena-Factor Marketing may contact you via email for the purpose of providing announcements, promotional offers, alerts, confirmations, surveys, and/or other general communication. In order to improve our Services, we may receive a notification when you open an email from Bena-Factor Marketing or click on a link therein.
If you would like to stop receiving marketing or promotional communications via email from
Bena-Factor Marketing, you may opt out of such communications by "replying STOP" or "clicking on the UNSUBSCRIBE button.".
External Data Storage Sites
We may store your data on servers provided by third party hosting vendors with whom we have contracted.
Changes to this Statement
Bena-Factor Marketing welcomes your questions or comments regarding this Statement of Privacy. If you believe that Bena-Factor Marketing has not adhered to this Statement, please contact Bena-Factor Marketing at:
2298 Young Ave.
Memphis, TN 38104
Effective as of March 27, 2023
Terms and Conditions
Agreement between User and www.benafactormarketing.com
Welcome to www.benafactormarketing.com. The www.benafactormarketing.com website (the "Site") is comprised of various web pages operated by Bena-Factor Marketing ("BenaFactor"). www.benafactormarketing.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of www.benafactormarketing.com constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
www.benafactormarketing.com is an E-Commerce Site.
BenaFactorMarketing.com markets and sells marketing and marketing-related products (goods and services).
Visiting www.benafactormarketing.com or sending emails to Bena-Factor Marketing constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.
If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Bena-Factor Marketing is not responsible for third party access to your account that results from theft or misappropriation of your account. Bena-Factor Marketing and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
Children Under Thirteen
Bena-Factor Marketing does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use www.benafactormarketing.com only with permission of a parent or guardian.
To cancel an order and request a refund, contact Bena-Factor Marketing by telephone, chat or online contact form.
Links to Third Party Sites/Third Party Services
www.benafactormarketing.com may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Bena-Factor Marketing and Bena-Factor Marketing is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Bena-Factor Marketing is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Bena-Factor Marketing of the site or any association with its operators.
Certain services made available via www.benafactormarketing.com are delivered by third party sites and organizations. By using any product, service or functionality originating from the www.benafactormarketing.com domain, you hereby acknowledge and consent that Bena-Factor Marketing may share such information and data with any third party with whom Bena-Factor Marketing has a contractual relationship to provide the requested product, service or functionality on behalf of www.benafactormarketing.com users and customers.
No Unlawful or Prohibited Use/Intellectual Property
All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of Bena-Factor Marketing or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Bena-Factor Marketing content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Bena-Factor Marketing and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Bena-Factor Marketing or our licensors except as expressly authorized by these Terms.
The Service is controlled, operated and administered by Bena-Factor Marketing from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Bena-Factor Marketing Content accessed through www.benafactormarketing.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless Bena-Factor Marketing, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Bena-Factor Marketing reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Bena-Factor Marketing in asserting any available defenses.
In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.
Class Action Waiver
Any arbitration under these Terms and Conditions will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Bena-Factor Marketing agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. BENA-FACTOR MARKETING AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
BENA-FACTOR MARKETING AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. BENA-FACTOR MARKETING AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BENA-FACTOR MARKETING AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF BENA-FACTOR MARKETING OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.
Bena-Factor Marketing reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Tennessee and you hereby consent to the exclusive jurisdiction and venue of courts in Tennessee in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and Bena-Factor Marketing as a result of this agreement or use of the Site. Bena-Factor Marketing's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Bena-Factor Marketing’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Bena-Factor Marketing with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Bena-Factor Marketing with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Bena-Factor Marketing with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
Bena-Factor Marketing reserves the right, in its sole discretion, to change the Terms under which www.benafactormarketing.com is offered. The most current version of the Terms will supersede all previous versions. Bena-Factor Marketing encourages you to periodically review the Terms to stay informed of our updates.
Bena-Factor Marketing welcomes your questions or comments regarding the Terms:
2298 Young Ave.
Memphis, TN 38104
Effective as of March 30, 2023
The views and opinions expressed in this website are those of Bernadette P. Njoku, sole owner-operator,
and do not reflect the official policy or position of any other agency, organization, employer, company, or individual.
Copyright © 2020 Bena-Factor Marketing.
All Rights Reserved.
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