Tools for Business Site Map   Click on the topic to see the sub-topics Tools for Tough Economic Times 30-Day Business Turnaround ....30 Day Business Turnaround Program ....How to turnaround a failing business Business loss? Refund prior years' federal taxes Checklist for Recession Survival Downsizing or having major layoffs? Rapid Response Service How to pay business debts you can?t afford The 27 Biggest Mistakes to Avoid When Negotiating Business Debts Business Planning and Assistance 3 essential levels: Strategic plan; business plan; operational plan Assessing Business feasibility Boosting your Business Using Technology - a video tutorial from SCORE Breakeven calculator Business Plan Tools Business Plan Writer's Workshop Business plan classes ....Find your local SBDC office ....Find your local SCORE chapter Business plan tools ....Business Plan Writer from MBDA ....Free Biz Toolkit from JJ Hill Library ....Free Business Plan workbook from MasterCard ....Free business plan templates from SCORE Business valuation calculator Buy versus lease calculator Cash flow calculator ....Cash flow calculator ....Cash flow calculator Commercialization and collaboration opportunities with Lawrence Livermore Labs Creating a Technology Plan for your Small Business - a video tutorial from SCORE Cutting edge innovator? LARTA Institute Debt consolidation calculator Debt service calculator Entrepreneurial Resource Center at Las Positas College Estimating Breakeven Sales for your Small Business Financial ratios calculator Find SCORE contact information for the chapter nearest you Five things to find out about your industry before going into business Free Online Workshops Free business counseling by SCORE at Pleasanton Chamber offices Gross Margins Help using technology in your business How to Build a Bulletproof Startup - for businesses that are serious about growing How to do Market Research, Industry Research and Business Research ....How to Learn about an Industry or a Specific Company ....Industry Portals ....Tutorial on how to use the Internet and your library for business research ....Tutorials on how to use individual databases Information Sources for your Business Plan ....CALGOLD California regulations ....California economic statistics ....California labor information ....County economic information ....Free business statistics and financial ratios ....Industry information and analysis ....Reference for Business - business articles ....SBDCNet business information from SBDCs ....Statistics gathered by the federal government ....US Census American Community Survey Innovation Marketplace: find business opportunities, register your needs or your innovation Invenio IP: Technologies available for commercialization Inventory analysis calculator Investment return calculator Las Positas Technical Support - computer and database help for local businesses Looking for economic data? East Bay EDA MBDA Business Center in San Jose Manufacturer negatively impacted by imports? Trade Adjustment Assistance Center Market Intelligence Program for businesses starting or growing in California National Energy Systems Technology (NEST) Incubator Need to attract foot traffic? Effective Signage New in America? AnewAmerica PlanetEureka! Profit margin calculator Researching Companies Online: A step-by-step tutorial SCORE national website: info & email-based counseling SV Forum - connecting innovators with entrepreneurs SWOT analysis: Strength Weakness Opportunities and Threats ....Easy to use strategic planning tool for business ....Explanation of SWOT analysis Sample business plans Sample business plans from Palo Alto Software Small Business Administration's website Software company less than 3 years old? Microsoft's BizSpark program .... .... TechLink: Helps commercialize innovations for the defense industry UC Davis Innovation Access - technology developed by UC Davis that is available for licensing Using innovation and new ideas ....I-bridge linking ideas with innovation ....Springwise business ideas Why do a business plan Funding Programs 10 Marketing Plan Tips to Help Get a Bank Loan email course 15-minute presentation template to angel investors Angel investors and venture capital ....Angel Capital Network ....Angel investors and venture capital ....Band Angels ....Bay Area Startup Network ....DFJ Frontier angel investors ....Free venture capital workbook ....Investors Circle ....National Venture Capital Association ....Pitch the Angels ....US Angel Investor Network ....Vfinance Before you use your home equity or savings Buying a Franchise? CDBG Small Business Loan program CEDA California Enterprise Development Authority: Manufacturing only CEDLI Co-Lending Program for Small Business CEDLI Commercial Real Estate Program California Capital Access Program (CALCAP) California Communities Industrial Development Bonds for manufacturers California Guaranteed Loans Can't qualify for a loan anywhere? Find an Opportunity Finance lender Child care facility? ABCD loans and assistance Collaborate with University of California: UC Discovery Grant Current or former military? SBA Patriot Express Loans Energy efficiency business loans Farm Storage Facility Loan Program Find the Right Accounting Software ....Business accounting software ....Free online bookkeeping ....Quickbooks free Simple Start software Finding angel investors: videos from the Wisconsin Angel Network ....Finance marketing - how to market yourself to get angel investors ....Stages of financing Free (and almost free) online invoicing and credit card processing tools Golden Seeds: Angel investors seeking woman-led businesses How is your credit score calculated? If you don't own a home In a small community or rural area? SBA Rural Lender Advantage Program Learn Quickbooks - Free Tutorials Loan Repayment Calculator Micro-Loan Program Micro-enterprise assistance Microloan issuers in California Microloans through TMC Development Working Solutions Military Reservists Loans Model Venture Capital Financing Documents New Venture Template - information on obtaining venture funding from the Wayne Brown Institute Opportunity Fund Microloans Participate in Trade Reporting ....D&B Trade Reporting ....Sign up for D&B Trade Reporting Personal guarantees Raising Equity Learning Center Recycled Materials RMDZ Loans SBA Dealer Floor Plan Financing SBA Small Business Innovation Research ....Federal innovation research grants ....Sample proposals and tips for SBIR research projects SBA cap program: short-term working capital SBA lenders in California ....Banks making SBA loans in the Fresno area ....Banks making SBA loans in the Los Angeles area ....Banks making SBA loans in the Sacramento area ....Banks making SBA loans in the San Diego area ....Banks making SBA loans in the San Francisco area ....Banks making SBA loans in the Santa Ana area Small Business Finance: SBA 504 loans State Treasurer's Small Business Program The Entrepreneur's Path: Handbook for High-Growth Companies The microloan issuers in California are: ....Arcata EDC microloans ....Oakland Business Development microloans ....Sierra EDC microloans ....Valley EDC microloans USDA Rural Development Guaranteed Loan ....Find out if you are eligible for USDA loans - Map of areas designated as rural. ....Rural Business Loans USDA Value-Added Producer & Renewable Energy Grants Understanding Financial Statements ....Learn basic accounting ....Understand your financial statements Using Technology to Improve your Cash Flow - a video tutorial from SCORE Videos on forming a high growth company from USpark at University of Utah What to consider in selecting a business location What to do to get a good business credit score Your Funding Toolkit ....11 steps to establish good business credit ....Get your business D&B number ....Get your credit score ....Things to do before you get a loan Directory of Capital Accredited investor Business plan tools Equipment Finance 101 from the Equipment Leasing and Finance Association How to choose a credit card Individual Development Accounts Negotiating credit card interest rates ....Compare credit card rates and services ....Compare credit cards Selling across state lines Special export financing through California TEFO Special import financing through California TEFO Who gets what percentage? Use this simulation tool Business Incentives Energy Research Grant Find a great business location in Pleasanton HUB Zones ....Application information for HUB zones ....Find HUB zone near you Industrial Bond Financing for Manufacturers Innovative Clean Air Technologies Investing in a low-income community? New Markets Tax Credit Location Assistance Pleasanton Economic Development Department will help you move your business to Pleasanton Pollution control funding Recycled Market Development Zone Loans Replacement of Underground Storage Tanks Research and development tax credit Savings By Design Target Area Contract Preference TACPA (State contracts) Tire-derived Products Business Formation BizFilings offers a free Formation Assistant Business entity choices ....Be an independent contractor ....Form a corporation ....Form a non-profit ....Form a sole proprietorship ....Form an LLC Forming Your Business Out-of-state Virtual Small Business Tax Workshop for Small Business and the Self-Employed Business Start-Up Kit for Sole Proprietors Business Insurance Califiornia license to sell cigarettes or tobacco Contact information for Weights and Measures Disposing disposing hazardous waste? Hazardous substance fees Does your product contain lead? Childhood Lead Poisoning Prevention fee Fictitious Name Statement ....Fictitious business names for physicians ....Need someone else to file your forms? Daily Journal can help InsureU for Small Business Large trucks with more than 2 axles? Califiornia fuel taxes and report requirements Liquor Licenses and other Permits ....Any business selling alcohol must obtain a permit from the Alcohol Beverage Commission ....Federal alcohol and tobacco permits Overview for Sole Proprietors Patents, Trademarks and Copyrights ....Business method patent ....Copyright forms ....Copyright information ....Design patent ....Register a trademark ....US Patent and Trademark website ....Utility patent Sales Tax Registration ....BT-400 Application for Seller's Permit form ....Board of Equalization phone numbers for sales tax information ....Sales tax publications for various industries SS-4 Application for Federal and Employer ID number State licenses Storing fuels underground? Underground storage maintenance fee Sunnyvale Patent and Trademark Depository Library Business Start-Up Kit for Corporations Articles of Incorporation ....Business entity forms from the California Secretary of State ....Certificate of Amendment to your articles of incorporation Business Insurance Califiornia license to sell cigarettes or tobacco Contact information for Weights and Measures Corporate Bylaws Disposing disposing hazardous waste? Hazardous substance fees Does your product contain lead? Childhood Lead Poisoning Prevention fee Election of S Corporation Status ....IRS form 2553 Election of S Corporation Status ....IRS forms and publications First Board of Directors Meeting InsureU for Small Business Issuing Stock Large trucks with more than 2 axles? Califiornia fuel taxes and report requirements Liquor Licenses and other Permits ....Any business selling alcohol must obtain a permit from the Alcohol Beverage Commission ....Federal alcohol and tobacco permits Make the most of a buy-sell agreement Overview of Corporate Requirements Patents, Trademarks and Copyrights ....Business method patent ....Copyright forms ....Copyright information ....Design patent ....Register a trademark ....US Patent and Trademark website ....Utility patent Reserve a corporate name ....California Secretary of State website ....California form to reserve a corporate name Sales Tax Registration ....BT-400 Application for Seller's Permit form ....Board of Equalization phone numbers for sales tax information ....Sales tax publications for various industries Securities Regulations ....Complete required security form and pay online ....Information about the limited offering exemption SS-4 Application for Federal and Employer ID number State licenses Statement of Information ....California Secretary of State website for statements of information ....California Statement of Information for corporations - online filing Storing fuels underground? Underground storage maintenance fee Sunnyvale Patent and Trademark Depository Library Business Start-Up Kit for Limited Liability Companies Articles of Organization ....California Secretary of State's Office ....California articles of organization for LLCs ....Organized out-of-state? Application for Registration Business Insurance Califiornia license to sell cigarettes or tobacco Contact information for Weights and Measures Disposing disposing hazardous waste? Hazardous substance fees Does your product contain lead? Childhood Lead Poisoning Prevention fee InsureU for Small Business Large trucks with more than 2 axles? Califiornia fuel taxes and report requirements Licensed professions Liquor Licenses and other Permits ....Any business selling alcohol must obtain a permit from the Alcohol Beverage Commission ....Federal alcohol and tobacco permits Operating Agreement Overview of Limited Liability Company Requirements Patents, Trademarks and Copyrights ....Business method patent ....Copyright forms ....Copyright information ....Design patent ....Register a trademark ....US Patent and Trademark website ....Utility patent Sales Tax Registration ....BT-400 Application for Seller's Permit form ....Board of Equalization phone numbers for sales tax information ....Sales tax publications for various industries Securities Regulations ....Complete required security form and pay online ....Information about the limited offering exemption Selecting your LLC name SS-4 Application for Federal and Employer ID number State licenses Statement of Information for LLCs Storing fuels underground? Underground storage maintenance fee Sunnyvale Patent and Trademark Depository Library Business Start-Up Kit for Partnerships Business Insurance Califiornia license to sell cigarettes or tobacco Contact information for Weights and Measures Disposing disposing hazardous waste? Hazardous substance fees Does your product contain lead? Childhood Lead Poisoning Prevention fee InsureU for Small Business Large trucks with more than 2 axles? Califiornia fuel taxes and report requirements Liquor Licenses and other Permits ....Any business selling alcohol must obtain a permit from the Alcohol Beverage Commission ....Federal alcohol and tobacco permits Overview of Partnerships Partnership registration Patents, Trademarks and Copyrights ....Business method patent ....Copyright forms ....Copyright information ....Design patent ....Register a trademark ....US Patent and Trademark website ....Utility patent Registration of Limited Parnership Sales Tax Registration ....BT-400 Application for Seller's Permit form ....Board of Equalization phone numbers for sales tax information ....Sales tax publications for various industries Securities Regulations ....Complete required security form and pay online ....Information about the limited offering exemption SS-4 Application for Federal and Employer ID number State licenses Storing fuels underground? Underground storage maintenance fee Sunnyvale Patent and Trademark Depository Library Government Requirements Agency Small Business Liaisons Board of Equalization California Small Business Advocate Don't have a sellers permit? Board of Equalization Compliance Outreach Program Employment Development Department Franchise Tax Board Help with environmental compliance IRS Small Business and Self-Employed Tax Center IRS Taxpayer Advocate ....Find the taxpayer advocate for your state ....Helps taxpayers (including businesses) whose tax problems are causing financial difficulty. IRS Video Portal In-person tax seminars offered by the IRS National Compliance Assistance Centers Qualified Purchaser Use Tax Registration Service business with receipts over $100,000 and no seller's permit MUST register for a use tax permit W-9 Request for Taxpayer ID number Paying Yourself: Sole Proprietors Paying Yourself: Corporations Paying Yourself: Limited Liability Companies Paying Yourself: Partnerships Quarterly Requirements for Sole Proprietors California Sales and Use Tax Return BT-401 Federal Income Tax Payments: 1040ES Quarterly State Income Tax 540-ES Schedule SE Social Security Self-Employment Tax Quarterly Requirements for Corporations 100-ES Estimated Corporate Income Tax California Sales and Use Tax Return BT-401 EFTPS - free service to pay federal taxes electronically Federal Income Tax Payments: 1040ES Federal Income Tax Payments: S Corp Quarterly State Income Tax 540-ES Schedule SE Social Security Self-Employment Tax Quarterly Requirements for Limited Liability Companies California Sales and Use Tax Return BT-401 Federal Income Tax Payments Federal Income Tax Payments: 1040ES Quarterly State Income Tax 540-ES Schedule SE Social Security Self-Employment Tax Quarterly Requirements for Partnerships California Sales and Use Tax Return BT-401 Federal Income Tax Payments Federal Income Tax Payments: 1040ES Quarterly State Income Tax 540-ES Schedule SE Social Security Self-Employment Tax Annual Requirements for Sole Proprietors 1099M Statement for Independent Contractors Annual Tax Return: IRS 1040 Schedule C Business property tax Annual Requirements for Corporations 1099Div Statement for Dividend Income 1099M Statement for Independent Contractors Annual Federal Return for C Corporations Annual Federal Return for S Corporations Annual Shareholder's Meeting Annual State 100S Tax Return - S Corporation Annual tax forms for California C corporations Business property tax Annual Requirements for Limited Liability Companies 1065 with Schedule K-1s 1099M Statement for Independent Contractors Annual Tax Return: IRS 1040 Schedule C Business property tax Annual Requirements for Partnerships 1065 with Schedule K-1s 1099M Statement for Independent Contractors Business property tax Filling in the Gaps: All businesses Americans with Disabilities Act Apply for SBA certification program Bulk mail and other discounted mailing programs Business reply envelopes (or postcards) Buying from the Internet? Use Tax Country of origin marking Create color postcards/letters/booklets and flyers Customs forms Do Not Solicit Registry Drugs, medical devices, bloodbanks Export information and forms Federal Motor Carrier Safety Administration Federal Trade Commission Food and Drug Administration Food labeling requirements Get a UPC Barcode for your product Get an ISBN number for your book HUB zone information Harmonized Tariff System Important Numbers: D&B, NAICs and others Information about tobacco requirements and permits Mandatory Recycling Deposit National Minority Supplier Development Council Certification National Women Business Owners Corporation Privacy Laws Product Labeling: UPC and Barcodes Proposition 65 Toxic Warning Law SBA certification programs SBA self-certification as a small business SBA size requirements for certification as a small business SBA's Veterans Business Development Officers Schedule B classification codes for exporting Securities Exchange Commission Selling firearms? Federal firearms license Shippers Export Declaration Smoking Regulations Surety Bonding for Job Completion Tobacco, firearms and alcohol US Department of Agriculture Marketing and Regulatory Division Women's Business Enterprise National Council Employer Assistance Alameda County Guaranteed Ride Home Program for your employees Americas Heroes at Work: Employer resources AskEarn.org: Resources to help employers hire people with disabilities Available tax deductions for health costs CA Withholding Charts - Biweekly CA Withholding Charts - Irregular (daily) Cal/OSHA safety consultation - onsite and online assistance Calculator to determine your cost of employee turnover California withholding for biweekly payroll ....CA Withholding Charts - Biweekly - head of household ....CA Withholding Charts - Biweekly - married California withholding for irregular payroll ....CA Withholding Charts - Irregular (daily) - head of household ....CA Withholding Charts - Irregular (daily)- single Coaching Employees: the Take 10 Check In Dealing with Difficult Workplace Behaviors free online class Discipline Documentation free online class Discrimination and Legal Issues for Businesses free online class Drug-Free Workplace Employee Education ....Drug-Free Workplace Kit ....Drug-free training for employees E-Verify: Check work status with Homeland Security Email employee forms to new hires Employee management forms from the US Chamber of Commerce Employee termination checklist Employer Toolkits for wellness: weight loss, smoking cessation, stress management and more Employer requirements kit Employment application template Ergonomic and safety tools Ergonomic training materials ....CalOSHA Training requirements ....Employee safety - fitting the task to the person Ergonomics and safety tools ....Computer User Heaven: 8 Exercises That Spell Relief ....Computer Workstation Self-Evaluation ....Cost benefit research showing employee efficiency improvements from ergonomic solutions ....Dynamic exercises - to prepare your body for physical motion ....Employee safety - back injury prevention ....Employee safety - desktop computer users ....Employee safety - easy ergonomics ....Employee safety - ergonomics in action for the food processing industry ....Ergonomic guidance for health care and hospitality industries ....Ergonomic stretch breaks for employees - Ergonomic exercises from University of Virginia ....Ergonomic tools for baggage handlers, deliverers, electricians, warehousing, and others ....Ergonomics Ideas Bank ....Ergonomics cost/benefits calculator from Washington State ....Industry-specific ergonomic tools - find your industry here ....Laboratory Workstation Evaluation Checklist ....Lifting calculator, pushing & pulling calculator, and checklists ....OR-OSHA's Introduction to Ergonomics in the Workplace ....Push, Pull, Carry calculator ....Recommendations for computer users from Cornell University ....Safety Pays! Calculator from OSHA analyzing the direct and indirect injuries ....Small business ergonomics: 32 examples, solutions and cost/benefit analyses Factors used by California in determining independent contractor status for state programs Find best-practices solutions to your safety concerns Finding the Right Fit: a hiring and retention resource Finding the pay rate for your employees Flexible Work Schedules: Flexibility Toolkit Free Cal/OSHA Safety Consultation Free OSHA Safety Management Tools Free OSHA Safety and Health Management Training for Small Business Free health and safety materials for small businesses Free job description tools ....Find the right person: Interactive Hiring Tool ....Job Description Writer Free payroll tax seminars ....Online payroll tax seminars ....Payroll tax training Full text Patient Protection and Affordable Care Act H1-B work visas for professional workers H2-B work visas for short-term, non-professional workers Handling Terminations with Care and Control free online course Hiring a risky job applicant? Free federal employee bond ....Federal bonding program ....Find the state administrator Hiring a veteran, low-income person or disabled? Work Opportunity Tax Credit ....Form 1 for Work Opportunity Tax Credit ....Information about Work Opportunity Tax Credit ....Who qualifies for WOTC How to do a criminal background check in California Human Touch Performance Appraisals free online course IRS Independent Contractor Misclassification: Settlement with the IRS ....Forms to use to apply for the IRS Settlement Program ....Information about the IRS' program that reduces fines for reclassification by 90% IRS Withholding Charts - Biweekly - Married IRS Withholding Charts - Biweekly - Single IRS Withholding Charts - Irregular ....Federal withholding for irregular payroll - married ....Federal withholding for irregular payroll - single Independent contractor / employee checklist - which clearly shows how to tell the difference Information about federal work visa programs Interview questions for various job categories Lifting Guideline Tool More than 75 employees? Commendable Commutes help from the city of Pleasanton New Employee Orientation Checklist OSHA Voluntary Protection Programs VPP OSHA safety publications Office of Disability: Searchable Online Accommodation Tool Online management classes Over 50 employees? Reimbursement for back-to-work modifications Payroll tax calculator Performance Improvement Process - positive employee discipline Post jobs/find workers: Cal/Jobs Proper Worker Classification - IRS video Returning Heroes and Wounded Warriors: Resources to hire veterans ....Information about tax credits for hiring unemployed veterans ....Post your jobs on the Veterans Job Bank SHARP: Safety & Health Achievement Recognition Program Safety resources for businesses Sample employee application Sample performance evaluation form San Diego Employers Association Sexual harassment prevention training Stay out of trouble: Avoid FLSA most common pitfalls Supervising Difficult Behaviors online class Telephone Reference Check Form Ten Top Reasons to Hire a Veteran - information from Americas Heroes at Work Things to know before doing an employment background check Types of workers: Independent contractors vs employees ....Employee or independent contractor ....Information from the California Employment Development Department Want to hire veterans? Here's a step-by-step toolkit Weekly and biweekly time sheets ....Biweekly - paid lunch ....Biweekly with non-paid lunch ....Biweekly with non-paid lunch and overtime ....Biweekly with non-paid lunch and sick/vacation ....Biweekly with non-paid lunch with sick and vacation ....Weekly - paid lunch ....Weekly with non-paid lunch ....Weekly with non-paid lunch and overtime options Work Opportunity Tax Credit Work Sharing: A Smart Alternative to Layoffs Worker out on workers comp? Receive reimbursement for making work modifications Workers compensation Write an employee manual: free template Wrongful termination laws You Be The Judge In Interviewing Becoming an Employer A Note about Labor Laws Are you an Employer? DE-4 State Withholding Certificate I-9: Immigration & Naturalization Illegal Interview Questions Independent contractor misconceptions Independent contractor versus employee: Information from the IRS Minimum Wage New Hire Reporting New Hire Reporting for Independent Contractors W-4 Federal Allowance Certificate Workers Compensation Hiring Others A Note about Labor Laws Are you an Employer? DE-4 State Withholding Certificate I-9: Immigration & Naturalization Illegal Interview Questions Independent contractor misconceptions Independent contractor versus employee: Information from the IRS Minimum Wage New Hire Reporting New Hire Reporting for Independent Contractors W-4 Federal Allowance Certificate Workers Compensation Filling in the Gaps Cal/OSHA Requirements Injury Illness Prevention Program Required Posters Paying Others Information about the federal earned income credit Reporting Tip Income Quarterly Requirements for Employers Employer's Quarterly Federal Tax Return Quarterly Contribution Return and Report of Wages - DE-9 paper form Quarterly Wage and Withholding Report Annual Requirements for Employers Annual FUTA Tax Return Business and Employee Training 20 major time wasters for small business: Effective Time Management 90 FREE On-Demand Online Learning Programs from Kutztown SBDC Advanced Manufacturing Technologies ....California Advanced Technology and Energy Initiative ....California BioTech Initiative ....California BioTech regions and centers American Management Assoc. courses and certification Business courses from UC Berkeley Extension CAL-OSHA courses at the OSHA Training Center at Chabot College Certificate in Supply Management training from CalState East Bay Certificate of entrepreneurship from Cal State East Bay Customer Service Academy Customer Service training at the Regional Technical Training Center ETP Entrepreneurial Skills Training Employment Training Program Entrepreneurship & Small Business Management courses from UC Berkeley Find your local women's center GeoLearning: Access to 80 to 300 online courses Health care Human Resource Management training from CalState East Bay Multi-media and Entertainment Need advanced training? California Workforce Initatives Need specialized corporate training? Cal State East Bay can help Need to be more organized? Time management resources Northern California Environmental Training Center at Mission College in Santa Clara Safety Training ....California Environmental Training Centers ....Multi-lingual safety training resources Soft (people) skills training Spanish language guides Take just a few courses at CSU East Bay with CSU Open University Training if you serve or sell alcohol Workplace Learning Resource Centers Taking your Business to the Next Step Are We Making Progress?: Baldrige National Quality Program Are you a second stage business? B Corporations - what they are and the benefits of becoming one Best practices assessment in human resources Best practices assessment in industrial marketing and sales Best practices assessment in lean manufacturing Best practices assessment in manufacturing systems Best practices assessment in quality management Building Teamwork - resource in Excellent Leadership Part 1 video Business Model Assessment Business skills mini-training from Geo-on-Demand - resource in Excellent Leadership Part 1 video California Council for Excellence - training and peer evaluation for quality Competent Leaders - what effective leaders do well - resource in Excellent Leadership Part 1 video Completing the Puzzle - resource in Excellent Leadership Part 1 video Developing a quality management system: ISO 9000 Developing emotional intelligence - resource in Excellent Leadership Part 1 video Examples of vision statements from 40 companies - resource in Excellent Leadership Part 1 video Financial Scorecard Idea Management Assessment: Is your company positioned for innovation? Improve your business operations: Six Sigma for Small Business Leadership online training module - resource in Excellent Leadership Part 1 video Leadership training activities - resource in Excellent Leadership Part 1 video Leadership vs. Management - resource in Excellent Leadership Part 1 video Mastercard also offers these short business online publications Ohio Employee Ownership Center helps businesses everywhere transfer ownership to their employees Peer learning Performance management ....Seek performance excellence: Baldrige National Quality Program ....Self-analysis worksheet: Baldrige National Quality Program Small Business Report Card Take the B Impact Assessment Team Dynamics Assessment - resource in Excellent Leadership Part 1 video Teampedia - resource in Excellent Leadership Part 1 video Think Globally Agricultural export help through Western U.S. Agricultural Trade Association (WUSATA) Are you export-ready? A short self-assessment Basic Guide to Exporting ....A Basic Guide to Exporting: Book ....A Basic Guide to Exporting: Online training version California State Trade and Export Promotion (STEP) California companies with exports financed through the Ex-Im Bank Certificate of Origin form Consulting, contracting & exporting opportunities with UN Development Business Custom market research services from Export.Gov Export Business Planner from the SBA Export and international trade assistance ....California Centers for International Trade and other trade assistance ....Learn to export ....US Commercial Service offices Export regulation and compliance training videos Export-Import Bank Environmental Exports Program Export-Import Bank: Assistance for minority and women-owned businesses Export-U.com ....9 free online classes about exporting from Export-U ....Free registration for Export-U online courses. Exporting Help: US Commercial Service ....International trade opportunities ....US Commercial Service local offices Foreign Trade Zones ....Foreign trade zone FAQs ....Foreign trade zones in California ....Foreign trade zones in the US Free market surveys - ExportNavigator Global business webinars from the National Export Initiative Gold Key Matching Service from the US Commercial Service Handling money overseas ....Find IBAN number - international bank account number ....Swift number - or bank identification code How to complete a NAFTA Certificate of Origin form Industry newsletters and reports from the US Commercial Service International trade logistics - an online course Leads, Events, Research & More! www.Export.gov Loans and Export Credit Insurance Qualified trade leads in Mexico and Colombia through SBDCGlobal SBA Export Express Loan SBA Export Working Capital Program SBA International Trade Loan Program 7a to improve competitiveness SBA STEP Program to help double exports by 2014 TEFO: California Trade & Export Finance Online Trade Finance Guide: A Quick Reference for Exporters TradePort; Free Import and Export Trade Tutorial U.S.Commercial Service US Export Assistance Center Want to export to China? China Business Information Center Want to import? Global Sourcing Essentials Want to market to China? Access America Directory Want to sell to Europe? Find out if you must identify your product with a CE mark ....Information about CE marks ....Mini-course in CE marks Everything Local! Add Google +1 icon to your website Add a Like button so people can like your website Add like box so people will visit your Facebook page Add your business listing to Google Places Better Business Bureau Find and buy from Pleasanton businesses Find bookkeepers, attorneys, consultants and other business advisors Find locally grown food at LocalHarvest.org Get found on GPS devices by getting a DUNS number Make sure your business is found on GPS systems ....Register your business with Navteq ....Register your business with Reference USA Make sure your business is found on online maps Set up your business listing on BING Shop Around Pleasanton - campaign to encourage people to buy from local businesses Why Buy Locally? The 3-50 Project Marketing and Selling 28 Days to Better Selling 8 Marketing Tips for Recession Stressed Entrepreneurs Applying Technology to Jumpstart your Sales - a video tutorial from SCORE Banks seeking minority-, women- and disabled-owned businesses ....Bank of America supplier diversity ....Citibank supplier diversity ....Comerica supplier diversity ....HSBC supplier diversity ....US Bank supplier diversity ....Union Bank supplier diversity ....Wells Fargo supplier diversity Build an Online Word-of-Mouth Marketing Plan Building Customer Loyalty free online class Building the Perfect Website for your Small Business - a video tutorial from SCORE Building your Small Business Brand ? Be Emotional! Capital One/VISA provides free online workshops Certification and leads from Minority Supplier Development Council ....Northern California Minority Supplier Development Council ....San Diego Regional Minority Supplier Development Council ....Southern California Minority Supplier Development Council Certified by a Minority Supplier Development Council? Financing to fulfill contracts and purchase orders Create and Mail Professional Postcards for under a Buck ....Create 4 color cards to market your business ....Create posters flyers and cards to market your business Customer Survey Tool Daily email small business marketing courses and e-books from Famee Foundation ....Customer Pillars free e-book ....Free Marketing e-Book for small businesss ....Free marketing courses for small business Do-it-Yourself Branding - free online guide Email Marketing: Tips and Tools ....CAN-SPAM email requirements ....Eliminate your code errors ....Help creating effective email campaigns ....Permission based email marketing Getting certified as a woman-owned business ....Womens certification through Astra Womens Business Alliance ....Womens certification through Womens Business Enterprise Council High Impact Marketing for Startups and Small Businesses Marketing 101 - free online course from Small Biz U Need graphic design? Las Positas College's Design Shop Need sales leads or competitor information? ....Find business contacts using Reference USA ....Get sales leads and competitive information Pleasanton's largest employers Quick Start Sales Training free online class Reference USA information Selling to large companies ....Find your SIC code here ....Get a free DUNS number ....Sell to large companies Tool to improve your press releases ....Free press release improvement tool ....Free website and press release grader tools Tourism and hospitality: Promote your business on visitcalifornia.com Using GPS to build your business Selling to the Government Alameda County Small and Emerging Business Program Avoiding the bid process Bid opportunities with the city of Pleasanton CCR Central Contract Registration to sell the federal government California Construction Contracting training and one-on-one counseling California Small Business Advocates California Subscription Outreach Service California has two certifications: Small Business Enterprise (SBE) and Disabled Veterans (DVBE) California’s bid opportunities Disadvantaged Business Enterprise Bonding Assistance Program Doing Business with Lawrence Livermore Labs Economic Recovery: Find stimulus projects in your area Email notification service of upcoming bid opportunities Federal opportunities for $25,000 and more Find businesses that sell to the federal government Find federal sub-contracting opportunities For DBE certification Free and low cost help with government contracting ....Contracting with SMUD seminar ....Contracting with Sacramento seminar ....Federal Contracting seminar ....Federal Technology Center ....Federal contract administration seminar ....Federal contract with GSA seminar ....Federal contracting e-commerce seminar ....Federal contracting negotiation seminar ....Federal contracting with GSA seminar ....Federal small disadvantaged business and 8a program seminar ....Find government bid opportunities ....Government contracting RFP seminar ....Government sub-contracting seminar ....PTACs provide free help with government contracting ....Radio Frequency Identification seminar Getting certified as a small or minority business: How the system works ....Apply for CA Transportation disadvantaged business here ....Apply for utilities disadvantaged business here ....Find your NAICS code here ....Register as a CA small business to sell to government ....Register as a woman owned business here Is your product environmentally friendly? Federal government's Bio-Preferred Program Minority or disadvantaged business? SBA 8(a) Program ....Application process for the SBA 8(a) program ....Learn if you are eligible for the SBA 8(a) program Once you get a contract: paperwork and certified payroll ....Certified payroll form ....Certified payroll instructions ....EEO-1 Survey for government contractors ....Labor law posters required by the federal government SBA 8(a) program for minority businesses Selling to cities? Prevailing and livable wage Selling to the State of California ....CA Dept of General Services small business advocate ....CA agencies able to purchase from vendors ....California state telephone directory ....Find CA bid opportunities ....Get certified as a small business or disabled veteran ....Private companies that honor small business certification ....Selling to CA Selling to the federal government ....5 steps to government contracting ....List of federal agencies buying products ....Sub-contract opportunities Short-term minority/women loan program for federal transportation-related projects Small business liaisons who help Small businesses with the procurement process Sub-contracting opportunities for CalTrans projects These agencies want to do business with you ....Army local contacts for bid opportunities ....CA Dept of Aging supplier contact info ....CA Dept of Corporations ....CA Dept of Corrections supplier contact info ....CA Dept of Developmental Services supplier contacts ....CA Dept of Developmental Services supplier info ....CA Dept of Developmental Services vendor info ....CA Dept of Forestry contacts for bid opportunities ....CA Dept of Forestry help for small business ....CA Dept of Forestry info ....CA Dept of Forestry products needed ....CA Dept of Forestry services needed ....CA Dept of Parks and Recreation concession info ....CA Dept of Parks and Recreation info ....CA Dept of Parks and Recreation small business procurement assistance ....CA Dept of Parks and Recreation supplier contact info ....CA Fire Technical Services contacts for bid opportunities ....CA Military Dept supplier info ....Cal State Fresno bid opportunities for disabled vets ....Cal State Fresno procurement assistance ....Cal State Fresno supplier contact info ....Contra Costa Co Water District bid opportunities ....Contracting with SMUD ....Department of Defense small business assistance for bid opportunities ....Department of Defense sub-contract opportunities ....EBMUD bid opportunities ....EBMUD bid opportunities vendor registration ....EBMUD buyers for bid opportunities ....EBMUD construction opportunities ....Info on Univ of California procurement ....Info on selling to Univ of CA ....Information on selling to the Department of Defense ....Information on selling to the US Army Corp ....Lawrence Livermore supplier contact info ....Lawrence Livermore supplier info ....PG&E supplier contact info ....PG&E supplier info ....SMUD Subcontracting Program ....SMUD bid opportunities ....SMUD small business loans and insurance ....SMUD supplier contact info ....SMUD supplier info ....Sacramento Co bid opportunities ....Sacramento Co small business procurement ....Sacramento Co vendor info form ....Sacramento Co. supplier contact info ....Sacramento Co. supplier info ....San Joaquin Delta College Vendor Info form ....San Joaquin Delta College bid opportunities ....San Joaquin Delta College supplier info ....San Joaquin Delta College supplier vendor handbook ....Selling to the California Housing Finance Agency ....UC Berkeley bid opportunities ....UC Berkeley info for suppliers ....US Army Corp local contacts ....US Army Corp small business assistance ....US Army Corp subcontracting opportunities ....US Defense Logistics local contacts for bid opportunities ....Univ of CA bid opportunities ....What CA Dept of Developmental Services buys ....What CA Dept of Parks and Recreation buys US Department of Transportation recognizes veteran-owned small businesses Want to sell to DOT? Southwest SBTRC Women-owned Small Business Federal Contract Program Selling on the Internet Classes to Maximize your Website's Effectiveness Finding your Website: Keywords Free search engine optimization tools compiled by WESST How to evaluate websites for competitive intelligence Putting your Business on the Web Selling on the Internet ....Email Marketing Return on Investment Calculator ....Pay per Click Return on Investment Calculator ....Website Conversion Rate Calculator Tool to Grade your Website Tools to Track your Web Traffic Green Business Practices 10 Things you Should Never Buy Again Alameda Co. Stop Waste Partnership Alameda Co. StopWaste.org Loan Alameda County Green Business Program Auto Repair: Top 10 Green Practices Bay Area Green Loan Business Analyzer Tool Calculate your Carbon Footprint California Green Business Program California Incentives for Energy Efficiency Commercial recycling - Paper Gobbler Program CoolCalifornia.org: Small Business Toolkit Developing a Voluntary Environmental Management System ISO 14001 Energy Star Products and Programs ....Apply for Energy Star certification ....Energy star products Energy efficiency classes for industry and small businesses from PG&E Energy savings in food service Energy savings in lighting Find incentives by zip code Finding Certified Green Companies ....Bay Area certified green businesses ....Co-op approved green businesses Getting Certified as a Green Business Green Alternative Chemicals and Processes Wizard from MIT Green Suppliers Hotels: Top 10 Green Practices ....Green Hotels Association ....Green practices hotels Industrial ....Energy best practices seminars ....Free energy audit Industrial best practices for energy Loans and grants to rural small business and ag producers for energy improvements Looking to buy recycled-based products? California Recycled-Content Product Directory Managing Your Hazardous Waste: A Guide for Small Businesses Material Safety Data Sheet (MSDS) ....MSDS safety cards ....Material safety data sheets ....Material safety data sheets from manufacturers P2 Pollution Prevention Pollution Prevention Plan Online Tool Printers: Top 10 Green Practices Rebates on water-efficiency devices RecycleStore and RMDZ Program Restaurants: Top 10 Green Practices Save Energy Now Leadership Program: Reduce your energy consumption 25% in 10 years Spare the Air Employer Program from Bay Area Air Quality Management District The Sustainable Office Toolkit USDA REAP Guarantee Loan for renewable energy and energy efficiency projects Use Green Printers Want specific energy recommendations for your industry? Commercial Energy Systems Library WaterSmart Guidebook for Businesses Ways to be Green: Landscapers Wineries: Top 10 Green Practices You May Need to Know 10 Top Scam Warning Signs An Owner's Guide to Business Succession Borrow an engraver to identify your key equipment Choosing a retirement plan for your small business - video Comparing retirement choices Construction Industry Environmental Compliance Assistance Center Construction Job Safety evaluation for new employees Crime Prevention Ideas for Businesses Do Not Call Registry ....California telemarketing laws ....Information for businesses ....Information for consumers ....National Do Not Call Registry for consumers Hazard alerts for the Construction Industry IRS video - Easy, Low Cost Ways to Start your Small Business Retirement Plan Once you have a plan - legal requirements Online courses for the construction industry from AGC of America Preventing Fraud in your Business ....Create a code of ethics ....Five Steps To Prevent Fraud in Your Business ....Fraud Prevention Checkup ....Internal Controls to Reduce your Risk of Fraud Preventing robbery, Preventing Shop Theft, and Preventing Fraud Protect your equipment and data: Security Squad Video Series Protecting Personal Information: A guide for business Restaurants: Top 10 Green Practices Roadway Safety Plus video training Robbery Prevention: Indoor and exterior opportunities and what to do if a robbery occurs Robbery prevention ideas from the city of Pleasanton Steel erection, fall protection, and the 4 hazards free training materials Toolbox topics for the construction industry Vehicle safety program for the construction industry Disaster Planning and Recovery After the Flood: Safety tips for Business Owners Avoiding Fraud in Home and Business Flood Repairs Be Prepared California: Earthquake Safety Business Interruption Insurance Calculating Business Damages After A Disaster: Tips To Expedite Your Insurance Claim Can you help in a disaster? Pleasanton Local Emergency Action Program Did you or your employees lose pay because of the disaster? Disaster planning for business: Information from FEMA Emergency Management Guide for Business and Industry from FEMA Fire Safety at the Workplace Get copies of your tax returns ....IRS form 4506 Request copy of your tax returns ....Request copy of your tax returns - instructions Getting Back to Business, a pamphlet from the Institute of Business and Home Safety IRS Business, Casualty, Disaster and Theft Loss Workbook IRS disaster and emergency relief - online videos More Ideas for Businesses from the American Red Cross National Disaster Help Desk for Business OSHA Evacuation Plans and Procedures e-Tool Open for Business: a Business Continuity Plan ....Companies that provide online business continuity service ....Download Open for Business publication PrepareMyBusiness.org: Recovery Planning Tools from the SBA Red Cross Ready Rating Assessment for businesses SBA Disaster Loans ....Applying for an SBA disaster loan ....Types of SBA disaster loans Safety and Health Disaster: Who to Contact Sample worksheet to calculate loss for business interruption insurance Steps to Business Recovery: Information from Australia's recent flooding Using a fire extinguisher - video Ways to Protect your Property What to include in a Workplace Disaster Supplies Kit Specialty Topics Starting a New Business Business Blueprints: Is your Business Idea Feasible Consumer Guide to Buying a Franchise Do you have what it takes to succeed? Entrepreneurial Assessment Go It Alone webinar How to select a business name Online course: My Own Business Risk assessment Starting a Business: The Feasibility Analysis Strategic Planning and Execution webinar Ten Fatal Business Plan assumptions to avoid What can you do to become more entrepreneurial Veteran Resources Associations to help veteran-owned businesses California Disabled Veteran Business Alliance Center for Veteran Enterprise ....Veteran Vendor Information Pages ....Veteran assistance program pages Entrepreneurship Bootcamp for Veterans with Disabilities Fee waiver for veteran-owned sales (not service) businesses in California Funding your Veteran Business ....US Center for Veterans Enterprise ....Veterans Corp business help for veterans Military Reservist Loans National Veteran Owned Business Association Need more help? SBA Veteran Business Development officers Operation Endure and Grow - online business training Performance Bonding for Veteran Contractors SBA Patriot Loans SBA Veterans Guide: How to Win Federal Contracts free online course Self-employment and Business Ownership resources for Veterans Training funds for service-disabled veterans interested in self-employment VetBiz.gov Federal Contractor Certification training VetFran: Franchise Opportunities for Vets ....VetBiz registry ....Veteran franchise opportunities Veteran Business Resources on Facebook Veterans Business Outreach Center Vets Fast Launch Program from SCORE Vwise - entrepreneurship training for women veterans Business Networking Add "Share" button Facebook ....Create a Facebook page ....Facebook for Business Superguide Meetup.com Monitor your business and industry on the web! Google Alert Setting up a Blog ....Create a blog ....Promote your blog Twitter Business Tips: Building Your Brand Online Tourism and Hospitality AH&LA Green Resource Center Accident prevention program, best practices, shoe policies and other safety resources for restaurants. Best practices for the hotel industry California Green Lodging Program California Welcome Centers and Visitor Centers Choking poster for restaurants ConServe Solutions for Sustainability: Virtual Green Restaurant Customer Service for Front-Line Employees - also Native American & Spanish versions and Supervisor version Develop a HACCP program for your food service operation Distribute your promotional material to the California Welcome Centers Eight-Step Approach to Controlling Food Cost: a training program for managers and employees Emergency action plan for restaurants Employee handbook template and standard operating procedure for restaurants Energy Star for the Hospitality Industry Ergonomics for restaurants, hotel room attendants, landscapers Ergonomics poster for small restaurants Federal menu labeling requirements for chain restaurants (20+ locations) For your employees: Tested Techniques to Increase Tips Forecast your hotel revenue: a tool from Cornell University Free business tools developed by Cornell Center for Hospitality Research Free restaurant safety training program HR Products from the American Hotel & Lodging Educational Institute Handouts in food safety in various languages Hazard checklists for food service, housekeeping, laundry, walkways, stairs Hospitality I-Coach How much is your business worth? Hospitality Valuation Software from Cornell University How to Comply with the Americans with Disability Act: A Guide for Restaurants How to Start a Restaurant guide from allfoodbusiness.com IRS Restaurant Tax Center Managing your wine cellar: a tool from Cornell University Math in Hospitality and other free online hospitality courses Online courses from the American Hotel & Lodging Educational Institute Reducing Waste and Discharges Restaurant Loss Prevention Program from Farmers Insurance Restaurant Table-Mix Optimizer: a tool from Cornell University Restaurant feasibility tool Restaurant loss control toolkit from Farmers Insurance Sales tax regulations for the Dining and Beverage Industry Sample emergency action plan for retail food operations Sample employee evaluation form for food service employees Seafood Watch: Encouraging restaurants and retailers to sell sustainable fish ServSafe training courses offered by the California Restaurant Association Setting hotel room pricing for Priceline: a tool from Cornell University Spa and Hospitality Operations - free online course Staff turnover cost evaluator: a tool from Cornell University Teen Worker Safety in Restaurants Templates for restaurant management Tourism Assessment Program Training from the California Hotel & Lodging Association USDA food safety resources Workforce staffing optimizer tool from Cornell University Health Industry As it Should be Done: 24 minute video to prevent exposure to bloodborne pathogens CMS Medicare Learning Network California Medical Waste Management Program California Quality Collaborative California Sharps and Medication Disposal Directory Ergonomic Injury Prevention in Healthcare Service Forms and checklists for medical practices HIPAA Privacy Essentials for the Physician's Office HIPAA privacy requirements ....Powerpoint presentations explaining HIPAA privacy requirements ....Summary of the law plus sample HIPAA document Implementing a Quality Improvement Program Information for Medicare providers (go to bottom to browse by provider type) Lean Six Sigma in HealthCare Nursing Home OSHA e-tool OSHA e-tools for hospitals and nursing homes OSHA resources for health care workers OSHA's Hazard Identification Software for Long Term Health Care Facilities Patient safety toolkit Quick Start: OSHA information for the Health Care Industry TriCare: If you are providing services to current military, veterans or their families e-Med Entrepreneur website for the medical entrepreneurship community Youth in Entrepreneurship 4-H curriculum for entrepreneurship BOSS toolkit for youth - Business Outreach Support Services Collegiate Entrepreneurs' Organization Exploring Entrepreneurship Get aHead for Business, high school curriculum Getting Started as an Entrepreneur: A Guide for Students (with innovative ideas) Hot Shot Business from Disney Industry Masters Entrepreneurial Business Simulation Games (fee) Mind Your Own Business More business simulation games ....Pricing, cash and valuation simulation games ....Running a restaurant simulation game NxLevel: Get the Buzz on Biz - curriculum for youth Skills and Talents Required for Entrepreneurship Teaching entrepreneurism: A sample curriculum from Millersville University Teen Business Link from the SBA The Trading Game: international trade game from the IMF Titan business simulation game Retail Industry 10 Ways to Improve Customer Loyalty from American Business Advisors, Inc. 40 Ways To Improve Retail Profit Margins from POWER Retailing, Inc Accurate demand planning and forecasting Attracting customers with effective merchandising Communication for Retail Managers free online course Creating Loyal Customers for Associates free online class Formulas to calculate key retail ratios Key financial benchmarks for retail segments Looking for retail management training? Here are classes across California Low cost retail training Marketing checklist for small retailers Master merchandising online class from the Maine SBDC No Tobacco under 18: WeCard training Online courses on consultative selling, handling complaints, suggestive selling and more Online courses on financial and loss prevention for the retail industry Plan and control your inventory Preventing Vendor Fraud and Theft Retail Essentials: How to Open and Run a Successful Retail Store Retail Lease Primer for Gift Shop Owners Retail Math Retail security and loss prevention ideas from ADT Shoplifting information for retailers Shoplifting prevention ideas from Seattle Police Store benchmark ratios from members of the Retail Owners Institute Typical commercial lease terms

Tools Home Ver en español Search Looking for Local Help? Accounting & Tax Services Accounting Services Accounting/Bookkeeping Service Advertising Advertising Specialties Attorney Banks Business Consulting Certified Public Accountant Commercial Cleaning & Janitorial Services Commercial Printing & Graphic Design Computer Network Consulting Computer Network Consulting, Sales, Services & Support Computer Sales/Service Computer Software Development Computers-Hardware & Software Consultants Credit Unions Direct Mail Advertising Drug Testing Service E-Commerce Employment Agency Employment and Labor Law Employment Service Export/Domestic Trading Farmers Market Financial Consulting & Employee Benefits Graphic Arts/Design & Illustration Graphic Design Human Resource Consulting Insurance Insurance Agency Insurance Agency & Brokerage Insurance Agent & Agency Insurance Service Center Internet Marketing IT Consulting & Professional Services Legal Services Marketing & Advertising Marketing Communications Marketing Consulting Mobile Paper Shredding & Recycling Office Equipment, Furniture & Supplies Office Space Leasing Office Supplies/Equipment Organization Training Payroll Service Printing/Photo Copying Printing/Promotional Products Promotional Products Restaurant Equipment Repair Sales & Marketing Signs & Banners Signs & Sign Structures Software Design & Business Systems Consulting Staffing Agency Tax & Financial Services Tax Planning & Preparation Tax Preparation Technology & Internet Television Advertising Web Design & Development Writing & Editing Yellow Pages Navigation Back to Main Menu Live Help Everything Local! Business Planning and Assistance Funding Business Location and Tax Incentives Business Formation Government Requirements Employer Assistance Business and Employee Training Business Books Taking your Business to the Next Step Think Global (International trade) Marketing and Selling Selling to the Government Green Business Practices You May Need to Know Tools for Tough Economic Times Disaster Planning and Recovery Starting a Business Networking Resources for Veterans Youth in Business Restaurants/Hospitality Retail Health Industry Biotechnology Green Technology Data Centers

HOME  |  ABOUT US  |  BUSINESS DIRECTORY  |  MEMBERSHIP  |  EVENTS & PROGRAMS  |  BUSINESS RESOURCES  |  GOVERNMENT & POLITICS  |  ABOUT PLEASANTON  |  CONTACT US

Copyright 2010  |  All Rights Reserved  |  Pleasanton Chamber of Commerce  |  Privacy Policy  | Terms of Use and Refund Policy