Disclosure
​and
​Privacy
​Policy

Last updated: May 18, 2026

Introduction
573 Local (“we,” “us,” or “our”) is located in Columbia, Missouri, and serves the Central Missouri area. We deliver information about local businesses and events through our website, weekly digital newsletters, social media, printed materials, brochures, and flyers. We offer marketing opportunities and advertising placements to businesses and organizations across these platforms.
This Privacy Policy explains how we collect, use, and protect your personal information. It also describes your rights and the standards we maintain regarding the accuracy and representation of content and advertising. By using our services, you agree to the terms below.

Contact us at:
573 Local
Columbia, Missouri
Email: michael@573local.com
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Information We Collect
We collect and process the following types of information:
- Contact information: Name, email address, phone number, company name, mailing address (when you sign up for newsletters, request information, submit listings or events, or purchase advertising)
- Business and event submissions: Details provided for directory listings, events, and advertisements
- Usage data: IP address, browser type, device information, website interactions, cookies, and analytics data
- Marketing and communications: Preferences, consents, and any voluntary communications or feedback you provide

We do not knowingly collect sensitive personal information or information from children under 18 years of age.
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How We Collect Information
- Information you provide through website forms, newsletter signups, advertising purchases, surveys, or direct contact
- Automatically, through cookies and analytics on our website
- From third-party service providers who support our business operations (e.g., email newsletter platforms, analytics, payment processors)
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How We Use Your Information
We use personal and business information to:
- Provide, operate, and improve our website, newsletters, and printed publications
- Process submissions, advertisements, event postings, and directory listings
- Communicate with you regarding updates, offers, deadlines, and important notices
- Conduct analytics and research to enhance our services
- Comply with legal, tax, and regulatory requirements
- Prevent fraud and ensure security
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Data Sharing
We share information only as needed to deliver and improve our services, and as required by law:
- With trusted third-party service providers (hosting, email, analytics, payment processing) who are contractually required to protect your data
- With advertisers or sponsors (in aggregated, non-identifiable form unless you explicitly consent)
- With legal authorities if required to comply with applicable laws, regulations, or legal processes
- In the event of a business transfer, merger, or reorganization

We do not sell your personal information to unrelated third parties.
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Cookies and Tracking Technologies
Our website uses cookies and similar technologies to:
- Maintain website functionality
- Analyze site usage and trends
- Deliver relevant content and advertising

You can manage cookie preferences through your web browser settings. For more information, see our Cookie Policy or contact us directly.
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Data Retention & Deletion
- We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law
- You may request deletion of your personal data at any time by contacting us (unless retention is required by law or for legitimate business purposes)
- Data is securely deleted or anonymized when no longer needed
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Data Security

We use technical, administrative, and physical safeguards to protect your information against unauthorized access, loss, misuse, or disclosure. However, no system can guarantee absolute security.
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Your Rights
Depending on your location (including Missouri, California, EU/UK), you have rights to:
- Access your information
- Correct inaccurate or outdated information
- Request deletion of your data
- Restrict or object to certain uses of your data
- Opt out of marketing communications at any time (via unsubscribe link or by contacting us)
- Request that we do not sell or share your personal information (CCPA/CPRA)
- Request a list of third parties to whom we have disclosed your data (CCPA “Shine the Light”)
- For EU/UK residents: Additional rights under GDPR, including data portability and the right to lodge a complaint with your supervisory authority

To exercise your rights, email us at michael@573local.com. We will respond promptly and in accordance with applicable law.
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Cross-Border Data Transfers
If your data is transferred outside your jurisdiction, we ensure appropriate legal safeguards such as standard contractual clauses or other lawful mechanisms in line with GDPR and CCPA requirements.
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Billing, Fees, and Non-Refund Policy

Billing and Payment Terms
573 Local offers digital, print, and advertising products and services to businesses and organizations in the Columbia and Central Missouri area. All purchases, whether for digital ads, print placements, newsletter sponsorships, or marketing packages, require payment in advance, unless otherwise specified in a separate written agreement.
- Accepted Payment Methods: We accept payment by credit card, debit card, and other electronic payment methods as made available on our website or invoicing system.
- Card Authorization: By submitting payment information, you authorize us or our payment processor to charge your card for the agreed amount. You affirm that you are authorized to use the provided payment method.
- Recurring Payments: For subscription or recurring advertising packages, you agree to be billed automatically at the stated frequency (monthly, quarterly, or annually, as specified) until cancellation in accordance with our terms.
- Late Payments: Payment is due upon invoice or order acceptance. Accounts not paid by the due date may result in suspension or removal of business listings, advertisements, or access to digital services until payment is received.

Credit Card Data and Security
- We use reputable third-party payment processors who comply with industry-standard PCI-DSS security requirements to collect and process your credit/debit card information. 573 Local does not store full credit card numbers or CVV codes on our systems.
- Please do not submit credit card details via email.

Non-Refund Policy (Digital and Advertising Products)
All sales of digital products, advertising placements, newsletter sponsorships, and related marketing services are final and non-refundable.
- No Refunds: Due to the nature of digital and print advertising, including but not limited to business listings, event promotions, or digital content, once payment is processed and the order is confirmed, no refunds or credits will be issued for any reason, including cancellations or unused placements.
- Scheduling and Delivery: We will make reasonable efforts to deliver ads and placements in the agreed time frame. Changes in scheduling or campaign timing do not entitle the purchaser to a refund.
- Errors and Omissions: In the event of a proven error or omission by 573 Local (such as a material mistake in ad placement or listing), remedies will be limited to a reasonable makegood or re-publication at our discretion. Refunds will not be issued.

Disputes and Chargebacks
If you believe you were billed in error, please contact us immediately. Unauthorized chargebacks or payment disputes may result in suspension of your services and collection actions. We reserve the right to recover collection costs and fees resulting from chargebacks found to be unjustified.

For questions about billing, please contact:
573 Local
Columbia, Missouri
Email: michael@573local.com
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Children’s Privacy
Our services are not directed to children under 18. We do not knowingly collect or process information from children. If we become aware that a child under 18 has provided personal data, we will delete it promptly.
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Indemnity & Limitation of Liability
573 Local strives for accuracy in all published content, listings, event information, and advertisements. However, we do not guarantee the accuracy, completeness, or timeliness of any article, story, event, business representation, or date. Content is provided for informational purposes only.

By using our services or advertising with us, you agree to indemnify, defend, and hold harmless 573 Local, its owners, officers, employees, and agents from any third-party claims, damages, losses, or liabilities arising from:
- Errors, omissions, misstatements, or changes in published information
- User- or advertiser-submitted content, including listings or event details
- Reliance on any information provided in our digital or print materials

573 Local is not liable for indirect, incidental, or consequential damages resulting from the use or inability to use our services, even if we have been advised of the possibility of such damages.
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Right to Refuse or Remove Listings / Advertising
573 Local reserves the right, at our sole discretion, to refuse, remove, or edit any business listing, event, advertisement, or marketing content that:
- Violates laws or regulations
- Is misleading, fraudulent, or deceptive
- Promotes discrimination, hate, illegal activity, or unsafe conduct
- Conflicts with our ethical standards or any community values that are expressed to us
- Fails to meet our quality or legal guidelines

We may deny service to any advertiser, business, or event for ethical or legal reasons, with or without explanation. All decisions are final.
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Social Media Policy and Community Standards
573 Local engages with the community across various social media platforms to share information, promote local businesses and events, and foster positive conversation. To ensure a respectful, safe, and inclusive environment, all users and participants must adhere to the following rules and standards when interacting with our official social media accounts, posting comments, sharing content, or participating in any online community managed by 573 Local.

Respectful Communication
- All interactions must be respectful and civil. We do not tolerate harassment, personal attacks, bullying, threats, or hate speech targeting individuals or groups based on race, ethnicity, religion, gender, sexual orientation, disability, or any other protected status.
- Disagreements are acceptable, but must be expressed politely and constructively.

Profanity and Offensive Material
- The use of profanity, obscene, or offensive language is strictly prohibited.
- Content that contains graphic, violent, or sexually explicit material is not permitted and will be removed.

Protection of Minors
- Absolutely no content shall be posted, shared, or directed towards underage children (under 18 years old) that is inappropriate, exploitative, or violates any local, state, or federal law, including COPPA (Children's Online Privacy Protection Act).
- Any attempt to solicit, engage, or exploit minors will result in immediate removal, reporting to authorities, and a permanent ban from all 573 Local platforms.
- Content featuring minors must have prior express parental or guardian consent and must comply with all applicable privacy and child protection laws.

Prohibited Content
- Spam, self-promotion, misleading advertising, and solicitation unrelated to local businesses or events will be removed.
- Do not share false, defamatory, or misleading information about individuals, businesses, or events.
- Refrain from doxxing (sharing private or identifying information about others without consent).

Copyright and Intellectual Property
- Only share content (text, images, video, etc.) you have created or have permission to use. Respect all copyright, trademark, and intellectual property rights.
- If you post content belonging to a third party, you must have obtained all necessary rights and permissions.

Moderation and Enforcement
- 573 Local reserves the right to moderate, edit, or remove any posts or comments that violate these guidelines, at our sole discretion, without prior notice.
- Repeated or severe violations may result in temporary or permanent blocking from our social media and online communities.
- Illegal activity will be reported to relevant authorities.

Community Participation
- Constructive contributions, helpful tips, and positive engagement are encouraged.
- We value feedback and suggestions, but participants must remain respectful and on-topic.

Policy Updates
573 Local may update these social media standards at any time. All users are responsible for reviewing and complying with the most current policy. For questions or to report violations, contact us at michael@573local.com.

By interacting with 573 Local on social media, you agree to abide by these standards. Thank you for helping us build a safe, vibrant, and respectful online community.
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AI, Apps, Digital and Automated Systems, and LLMs (Large Language Models)

Use of Automated and AI-Based Systems
573 Local utilizes various digital technologies, including but not limited to artificial intelligence (AI), digital apps, automated systems, and large language models (LLMs), to provide, enhance, and support our services. These tools may assist with content curation, business or event recommendations, automated communications, data organization, and other features that improve user experience and operational efficiency.

Limitations of Automated and AI-Based Results
- The outputs and recommendations generated by AI, apps, automated systems, or LLMs are based on algorithms, data inputs, and programmed logic. While we strive for accuracy and helpfulness, these outputs may not always be complete, error-free, or reflective of the most current information.
- Automated systems may generate results that are generic, incomplete, or occasionally inaccurate. AI-driven content or answers should not be considered as professional advice (legal, financial, medical, etc.) and should be independently verified where accuracy is critical.
- Users are encouraged to use their own judgment and to consult qualified professionals when making decisions based on automated outputs.

Access and User Interaction
- Certain features on our platform may allow users to interact with AI-driven chatbots, recommendation engines, or digital assistants. By using these features, you acknowledge their automated nature and accept that responses may be limited to the information and context programmed or available at the time.
- Data generated through your interactions with these systems may be used to improve system performance, personalize your experience, or enhance our services, in line with our Privacy Policy.

Indemnity and Limitation of Liability

By using any AI, app, digital, automated, or LLM-based system or feature on 573 Local’s platforms, you agree to indemnify, defend, and hold harmless 573 Local, its owners, employees, and representatives from any and all claims, damages, losses, liabilities, or expenses arising out of:
- Any outcomes, decisions, or actions taken (or not taken) based on the results of these systems
- Any errors, omissions, inaccuracies, or delays in AI-generated or automated content
- The reliance on automated outputs as professional advice or as a substitute for independent verification and judgment
573 Local disclaims all warranties, express or implied, regarding the results or accuracy of AI, apps, digital, or automated systems provided via our services. Your use of these features is at your own risk.
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Legal Disclaimers
- Third-party websites or content linked from our site are subject to their own privacy practices; we are not responsible for their policies or practices.
- This policy applies to all services and platforms operated by 573 Local unless otherwise specified.
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Advertising Conditions, Creative Approval, and Copyright Policy

Ad Submission and Format Requirements
573 Local welcomes advertising partners and strives to ensure a high-quality user experience across our digital and print platforms. All advertisements submitted for publication must adhere to the following standards:
- File formats: Ads must be submitted in the file format(s) specified by 573 Local (typically PDF, JPG, or PNG for print; JPG, PNG, or GIF for digital).
- Resolution & Size: All art must meet minimum resolution requirements (generally 300 dpi for print, 72 dpi for digital) and be sized to the published ad specs. Ads not meeting these requirements may be rejected or result in poor reproduction quality.
- Color settings: Print ads must be in CMYK color mode; digital ads may use RGB. Incorrect color profiles may affect final output. 573 Local is not responsible for color variations resulting from incorrect file preparation.
- Design integrity: Ads must be clearly legible, professional, and free of excessive pixelation or distortion.

Creative Approval by 573 Local Design Department
- Approval required: All advertisements and creative materials are subject to review and approval by the 573 Local Design Department prior to publication. We reserve the right to reject any ad at our sole discretion.
- Recommendations for changes: If an advertisement does not meet our quality, content, or formatting standards, 573 Local may, at its discretion, recommend changes. The advertiser is responsible for making or covering the cost of all required modifications.
- Design services: If requested, 573 Local may provide design, revision, or formatting services at published rates. All work performed remains subject to approval and timelines.
- Deadlines: Ad creative must be finalized and approved by the production deadline; late or non-compliant ads may not be published and no refund will be issued for missed deadlines due to advertiser delay.

Copyright and Intellectual Property Policy
- Rights and permissions: Advertisers are responsible for ensuring they have full legal rights to all images, logos, text, and content used in their ads. By submitting an ad, the advertiser affirms they possess the necessary licenses, permissions, and consents for all creative elements.
- Third-party content: 573 Local will not knowingly publish ads containing unlicensed or infringing content. All liability for copyright, trademark, or other intellectual property violations rests with the advertiser.
- Indemnification: Advertisers agree to indemnify and hold harmless 573 Local, its affiliates, and staff from any claims, damages, or losses arising from copyright, trademark, or intellectual property disputes related to submitted advertising materials.

General Ad Content Policy
- Ad standards: All ads must be accurate, legal, and non-deceptive. We do not accept content that is misleading, offensive, discriminatory, or in violation of any law or community standard. We reserve the right to refuse ads for any ethical, legal, or editorial reason without explanation.
- No endorsement: Acceptance or publication of any ad does not constitute endorsement of the advertiser, product, or service by 573 Local.

Policy Modifications
573 Local may update these advertising conditions and creative standards at any time. Advertisers are responsible for reviewing the current policy prior to each ad submission. Questions or requests for specs should be directed to our Design Department at michael@573local.com.
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Changes to This Policy
We may update this policy as our business or legal requirements change. Material changes will be communicated via our website and/or newsletter. Continued use of our services after any update signifies acceptance of the revised policy.
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Contact Information
573 Local
Columbia, Missouri
Email: michael@573local.com

For questions, privacy requests, or concerns, contact us at any time. Your privacy and trust are important to us.
From time to time we may find it necessary to update these Privacy Policy and Disclosure documents. Any updates maybe found here on this website, and your continued use signifies acceptance of the revised policy.

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