Terms & Conditions

Last updated June 16, 2023

This privacy notice for Consumers Debtreliefprogram2024 (“Company,” “we,” “us,” or “our“), describes how and why we might collect, store, use, and/or share (“process“) your information when you use our services (“Services“), such as when you:

Visit our website at https://debtreliefprogram2024.com, or any website of ours that links to this privacy notice

Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at support@premiumhealthadvancerelief.com.

SUMMARY OF KEY POINTS

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for. You can also click here to go directly to our table of contents.

What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with Consumers Pronto and the Services, the choices you make, and the products and features you use. Click here to learn more.

Do we process any sensitive personal information? We do not process sensitive personal information.

Do we receive any information from third parties? We may receive information from public databases, marketing partners, social media platforms, and other outside sources. Click here to learn more.

How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so. Click here to learn more.

In what situations and with which types of parties do we share personal information? We may share information in specific situations and with specific categories of third parties. Click here to learn more.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Click here to learn more.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information. Click here to learn more.

How do you exercise your rights? The easiest way to exercise your rights is by filling out our data subject request form available here, or by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what Consumers Pronto does with any information we collect? Click here to review the notice in full.

TABLE OF CONTENTS

WHAT INFORMATION DO WE COLLECT?

Personal information you disclose to us

In Short: We collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and Services, when you participate in activities on the Services, or otherwise when you contact us.

Personal Information Provided by You. The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

names

phone numbers

email addresses

mailing addresses

contact preferences

Sensitive Information. We do not process sensitive information.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.

We automatically collect certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services, and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called “crash dumps”), and hardware settings).

Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.

Location Data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.

Information collected from other sources

In Short: We may collect limited data from public databases, marketing partners, and other outside sources.

In order to enhance our ability to provide relevant marketing, offers, and services to you and update our records, we may obtain information about you from other sources, such as public databases, joint marketing partners, affiliate programs, data providers, and from other third parties. This information includes mailing addresses, job titles, email addresses, phone numbers, intent data (or user behavior data), Internet Protocol (IP) addresses, social media profiles, social media URLs, and custom profiles, for purposes of targeted advertising and event promotion.

HOW DO WE PROCESS YOUR INFORMATION?

In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our Services, including:

To enable user-to-user communications. We may process your information if you choose to use any of our offerings that allow for communication with another user.

To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see “WHAT ARE YOUR PRIVACY RIGHTS?” below).

To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.

To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.

WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

In Short: We may share information in specific situations described in this section and/or with the following categories of third parties.

Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents (“third parties“) who perform services for us or on our behalf and require access to such information to do that work. We have contracts in place with our third parties, which are designed to help safeguard your personal information. This means that they cannot do anything with your personal information unless we have instructed them to do it. They will also not share your personal information with any organization apart from us. They also commit to protect the data they hold on our behalf and to retain it for the period we instruct. The categories of third parties we may share personal information with are as follows:

Sales & Marketing Tools

Data Analytics Services

Ad Networks

We also may need to share your personal information in the following situations:

Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.

Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.

WHAT IS OUR STANCE ON THIRD-PARTY WEBSITES?

In Short: We are not responsible for the safety of any information that you share with third parties that we may link to or who advertise on our Services, but are not affiliated with, our Services.

The Services may link to third-party websites, online services, or mobile applications and/or contain advertisements from third parties that are not affiliated with us and which may link to other websites, services, or applications. Accordingly, we do not make any guarantee regarding any such third parties, and we will not be liable for any loss or damage caused by the use of such third-party websites, services, or applications. The inclusion of a link towards a third-party website, service, or application does not imply an endorsement by us. We cannot guarantee the safety and privacy of data you provide to any third parties. Any data collected by third parties is not covered by this privacy notice. We are not responsible for the content or privacy and security practices and policies of any third parties, including other websites, services, or applications that may be linked to or from the Services. You should review the policies of such third parties and contact them directly to respond to your questions.

DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

In Short: We may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.

HOW LONG DO WE KEEP YOUR INFORMATION?

In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements).

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

HOW DO WE KEEP YOUR INFORMATION SAFE?

In Short: We aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

DO WE COLLECT INFORMATION FROM MINORS?

In Short: We do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at support@premiumhealthadvancerelief.com.

WHAT ARE YOUR PRIVACY RIGHTS?

In Short: You may review, change, or terminate your account at any time.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.

Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below.

However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying “STOP” or “UNSUBSCRIBE” to the SMS messages that we send, or by contacting us using the details provided in the section “HOW CAN YOU CONTACT US ABOUT THIS NOTICE?” below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.

If you have questions or comments about your privacy rights, you may email us at support@premiumhealthadvancerelief.com.

CONTROLS FOR DO-NOT-TRACK FEATURES

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).

CCPA Privacy Notice

The California Code of Regulations defines a “resident” as:

(1) every individual who is in the State of California for other than a temporary or transitory purpose and

(2) every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose

All other individuals are defined as “non-residents.”

If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.

What categories of personal information do we collect?

We have collected the following categories of personal information in the past twelve (12) months:

Category	Examples	Collected
A. Identifiers	Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name	YES
B. Personal information categories listed in the California Customer Records statute	Name, contact information, education, employment, employment history, and financial information	YES
C. Protected classification characteristics under California or federal law	Gender and date of birth	YES
D. Commercial information	Transaction information, purchase history, financial details, and payment information	YES
E. Biometric information	Fingerprints and voiceprints	NO
F. Internet or other similar network activity	Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements	YES
G. Geolocation data	Device location	YES
H. Audio, electronic, visual, thermal, olfactory, or similar information	Images and audio, video or call recordings created in connection with our business activities	NO
I. Professional or employment-related information	Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us	NO
J. Education Information	Student records and directory information	NO
K. Inferences drawn from other personal information	Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics	NO
L. Sensitive Personal Information		NO

We will use and retain the collected personal information as needed to provide the Services or for:

Category A – As long as the user has an account with us

Category B – As long as the user has an account with us

Category C – As long as the user has an account with us

Category D – As long as the user has an account with us

Category F – As long as the user has an account with us

Category G – As long as the user has an account with us

We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:

Receiving help through our customer support channels;

Participation in customer surveys or contests; and

Facilitation in the delivery of our Services and to respond to your inquiries.

How do we use and share your personal information?

Consumers Pronto collects and shares your personal information through:

Targeting cookies/Marketing cookies

Social media cookies

Beacons/Pixels/Tags

More information about our data collection and sharing practices can be found in this privacy notice.

You can opt out from the selling or sharing of your personal information by disabling cookies in Cookie Preference Settings and clicking on the Do Not Sell or Share My Personal Information link on our homepage.

You may contact us by email at support@premiumhealthadvancerelief.com, or by referring to the contact details at the bottom of this document.

If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf, following the same strict privacy protection obligations mandated by the CCPA.

We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” of your personal information.

Consumers Pronto has disclosed the following categories of personal information to third parties for a business or commercial purpose in the preceding twelve (12) months:

Category A. Identifiers, such as contact details like your real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name.

Category B. Personal information, as defined in the California Customer Records law, such as your name, contact information, education, employment, employment history, and financial information.

Category C. Characteristics of protected classifications under California or federal law, such as gender or date of birth.

Category D. Commercial information, such as transaction information, purchase history, financial details, and payment information.

Category F. Internet or other electronic network activity information, such as browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements.

Category G. Geolocation data, such as device location.

The categories of third parties to whom we disclosed personal information for a business or commercial purpose can be found under “WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?“.

Consumers Pronto has sold or shared the following categories of personal information to third parties in the preceding twelve (12) months:

Category A. Identifiers, such as contact details, like your real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name.

Category B. Personal information, as defined in the California Customer Records law, such as your name, contact information, education, employment, employment history, and financial information.

Category C. Characteristics of protected classifications under California or federal law, such as gender or date of birth.

Category D. Commercial information, such as transaction information, purchase history, financial details, and payment information.

Category F. Internet or other electronic network activity information, such as browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements.

Category G. Geolocation data, such as device location.

The categories of third parties to whom we sold personal information are:

Data Analytics Services

Retargeting Platforms

The categories of third parties to whom we shared personal information with are:

Data Analytics Services

Retargeting Platforms

Ad Networks

Your rights with respect to your personal data

Right to request deletion of the data — Request to delete

You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.

Right to be informed — Request to know

Depending on the circumstances, you have a right to know:

whether we collect and use your personal information;

the categories of personal information that we collect;

the purposes for which the collected personal information is used;

whether we sell or share personal information to third parties;

the categories of personal information that we sold, shared, or disclosed for a business purpose;

the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose;

the business or commercial purpose for collecting, selling, or sharing personal information; and

the specific pieces of personal information we collected about you.

In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.

Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

We will not discriminate against you if you exercise your privacy rights.

Right to Limit Use and Disclosure of Sensitive Personal Information

We do not process consumer’s sensitive personal information.

Verification process

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.

We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.

Other privacy rights

You may object to the processing of your personal information.

You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.

You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.

To exercise these rights, you can contact us by email at support@premiumhealthadvancerelief.com, or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.

DO VIRGINIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

In Short: Yes, if you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information.

Virginia CDPA Privacy Notice

Under the Virginia Consumer Data Protection Act (CDPA):

“Consumer” means a natural person who is a resident of the Commonwealth acting only in an individual or household context. It does not include a natural person acting in a commercial or employment context.

“Personal data” means any information that is linked or reasonably linkable to an identified or identifiable natural person. “Personal data” does not include de-identified data or publicly available information.

“Sale of personal data” means the exchange of personal data for monetary consideration.

If this definition “consumer” applies to you, we must adhere to certain rights and obligations regarding your personal data.

The information we collect, use, and disclose about you will vary depending on how you interact with Consumers Pronto and our Services. To find out more, please visit the following links:

Personal data we collect

How we use your personal data

When and with whom we share your personal data

Your rights with respect to your personal data

Right to be informed whether or not we are processing your personal data

Right to access your personal data

Right to correct inaccuracies in your personal data

Right to request deletion of your personal data

Right to obtain a copy of the personal data you previously shared with us

Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects (“profiling”)

Consumers Pronto sells personal data to third parties or processes personal data for targeted advertising. Please see the following section to find out how you can opt out from further selling or sharing of your personal data for targeted advertising or profiling purposes.

Exercise your rights provided under the Virginia CDPA

More information about our data collection and sharing practices can be found in this privacy notice.

You can opt out from the selling of your personal data, targeted advertising, or profiling by disabling cookies in Cookie Preference Settings. You may contact us by email at support@premiumhealthadvancerelief.com, by visiting our data subject request form, or by referring to the contact details at the bottom of this document.

If you are using an authorized agent to exercise your rights, we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Verification process

We may request that you provide additional information reasonably necessary to verify you and your consumer’s request. If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request.

Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.

Right to appeal

If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at support@premiumhealthadvancerelief.com. Within sixty (60) days of receipt of an appeal, we will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal if denied, you may contact the Attorney General to submit a complaint.

DO WE MAKE UPDATES TO THIS NOTICE?

In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

HOW CAN YOU CONTACT US ABOUT THIS NOTICE?

If you have questions or comments about this notice, you may email us at support@premiumhealthadvancerelief.com or by post to:

Consumers Pronto

1810 E Sahara Ave, Las Vegas, NV 89104, USA

Las Vegas, NV 89104

United States

HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it. To request to review, update, or delete your personal information, please submit a request form by clicking here.

Welcome to quotes.advancedpremiumcare.com (“Website”). This Website is offered, controlled and operated by PolicyScout (“Company”). This Website contains the Website Use Terms and Conditions (“Terms and Conditions”) pursuant to which Company allows you to use Website. Company only allows you to use this Website pursuant to your express consent to the Agreement which includes these Terms and Conditions, the Company’s Privacy Policy which is expressly incorporate by reference as if fully set forth herein, and any other disclaimers, and other supplemental terms and conditions or documents that may be published from time to time on the Website (collectively, the “Agreement”).

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Company reserves the right to modify these Terms and Conditions from time to time without prior notice to you. You can know if these Terms and Conditions and the other components of the Agreement have been changed by referring to the date at the top of each posted document. It is your exclusive obligation to review these Terms and Conditions carefully. If you do not agree to be bound by all provisions, do not use this Website.

1. License and Use

Grant. You are granted the limited, non-exclusive, license to access this Website via the Internet, to view the content and material on this Website, and to use the Website for its intended purpose and consistently with these Terms and Conditions. Website Use. This Website is being made available solely for your personal use only. You may NOT use this Website, or its contents: (a) for any purpose inconsistent with the letter or spirit of the License; (b) for any unlawful purpose; (c) to solicit others to perform or participate in any unlawful acts; (d) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (e) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (f) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, disability, or gender; (g) to submit false, inaccurate, or otherwise misleading information; (h) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of this Website or of any related Website, other Websites, or the Internet; (i) to collect or track the personal identification information of others; (j) to spam, phish, pharm, pretext, spider, crawl, or scrape; (k) for any obscene or immoral purpose; (l) to invite, induce or otherwise cause Company or any of its marketing affiliates to contact you for purposes of establishing facts to support a cause of action or claim arising out of the communication, or (m) to interfere with or circumvent the security features of this Website or any related Website, other Websites, or the Internet. You shall NOT copy or reverse engineer any aspect of this Website. You shall NOT modify, adapt, translate or convert into another form any portion of this Website. You shall NOT copy, reproduce or download any of the content, including source code, of this Website by any means or in any form. You shall NOT display, perform, transmit or publish any of the content of this Website by any means or in any form, other than as permitted in this Agreement. You may NOT access this Website from any jurisdiction where doing so would be illegal. You agree to use this Website only for its intended purpose and in a manner that is authorized. Without intending any limitation of the above prohibitions, you agree to comply with all laws pertaining to privacy, data collection and protection, intellectual property, contract and other applicable laws, including but not limited to those laws in the jurisdiction in which you. If you know of, or suspect, copyright or trademark infringement or other unauthorized or improper use of the contents of this Website by others, including but not limited to uses for commercial purposes, please notify Company.

2. Intellectual Property

All of the content and material used in constructing the Website and that you see and hear on this Website is subject to United States and international copyright, trade dress, trademark and/or other intellectual property laws with all rights thereto held by Company. Use of any content or material on this Website without prior written authorization by Company is strictly prohibited and may subject you to liability. For purposes of this Agreement, “content and material” is defined as any information, communications, software, published works, photos, video, graphics, music, sounds, or other material that can be viewed or heard by users on our Website and is owned by Company. You are granted the limited permission to use this Website only as stated in these Terms and in the License provisions of this Agreement. Digital Millennium Copyright Act. Company has not taken and will not take content from you or any third party unless it has been assigned to Company and Company has appropriate legal permission. However, if you are a copyright holder and have a good faith belief that any content or materials posted on this Website infringes your copyright, please send to us your notification of claimed infringement requesting the material to be removed or blocked. Your notice must contain the following: (a) Reasonably sufficient details about the nature of the copyrighted work in question, or, in the case of multiple alleged infringements, a representative list of such works, including title(s), author(s), any U.S. Copyright Registration number(s), URL(s) etc.; (b) Reasonably sufficient details to enable us to identify and locate the material that is allegedly infringing the copyright holder’s work(s) (for example, file name or URL of the page(s) that contain(s) the material); (c) Your contact information so that we can make contact with you (including for example, your address, telephone number, and email address); (d) A statement that you have a good faith belief that the use of the material identified above in “b” is not authorized by the copyright owner, its agent, or the law; (e) A statement, under penalty of perjury, that the information in the notification is accurate and that you are authorized to act on behalf of the copyright owner; and (f) Your signature. Prior to sending us notice, you may wish to consult a lawyer to determine your rights and legal obligations under applicable laws. Nothing here or anywhere on this Website is intended as a substitute for qualified legal advice. You also acknowledge and agree that upon receipt of a notice of a claim of copyright infringement, we may temporarily or permanently remove the identified materials from the Website without liability to you or any other party.

3. TCPA and Email Opt-In

Company strictly complies with the Telephone Consumer Protection Act, the CAN-SPAM Act, and all other laws and regulations regarding telephonic and electronic communication.

In filling in the Website form, and in submitting it to Company by clicking the “View Plans” button on the Website, you willingly and intentionally provide your signature giving express consent to receive marketing communications via artificial or pre-recorded voice, emails, live phone calls, pre-recorded calls, postal mail, text messages via SMS or MMS and other forms of communication regarding offers of Life Insurance, Final Expense, Burial Insurance, and other senior home, health and assistance products from any of the Marketing Partners listed below, to the number(s) and/or email you provide, including a mobile phone, even if you are on a state or federal Do Not Call and/or Do Not Email registry using an automated telephone dialing system. The list of Marketing Partners is subject to change. You also understand that your wireless carrier may impose charges for calls or texts. Further, you understand that your consent to receive communications is not required as a condition of purchase and you may revoke your consent at any time. To receive quotes without providing consent, please call at1-888-233-2357.

Marketing Partners are listed below in Section 17.

You agree to only provide your own truthful and accurate personal and contact information, or truthful and accurate personal and contact information for others from whom you have express authorization for the express purposes of providing it to Company.

4. Privacy Policy

Any personally identifiable information you provide when using the Website will be collected and used by Company in accordance with its Privacy Policy which is incorporated into this Agreement as if fully set forth herein. Confidentiality and the use and treatment of Confidential Information is also covered by the Privacy Policy.

5. Disclaimer and Claim Limitation Period

You acknowledge that the Website may be provided over the Internet and therefore the availability of the Website may be affected by factors outside of Company’s reasonable control. Company has no responsibility whatsoever for unavailability of the Website, or any difficulty or inability to download or access the Website or for any other failure which may result in the Website being unavailable.

although company takes reasonable efforts to verify the content of the website, company does not represent or guarantee that the content is accurate, complete, useful, timely or reliable, or that this website will operate without error or disruption. this website could include technical or other mistakes, inaccuracies or typographical errors. company may make changes to the content of this website at any time without notice. the content of this website may be out of date, and we make no commitment to update such content.

you expressly understand and agree that: (a) your use of this website is at your sole risk, and the website is provided on an ‘as is’ and ‘as available’ basis only, and company expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, warranties as to services provided on this website, implied warranties of merchantability, fitness for a particular purpose, and non-infringement; (b) without limiting the foregoing, company makes no warranty that (i) the website will meet your requirements, (ii) the website will be uninterrupted, timely, secure, error-free, or virus or malware-free, (iii) the results that may be obtained from the use of the website will be effective, accurate or reliable, (iv) the quality of any content or offerings used, obtained, purchased and/or licensed from the website or company will meet your expectations or be free from mistakes, errors or defects, or (v) any errors in the website will be corrected; and (c) anything downloaded or otherwise obtained from this site is accessed at your own risk, and you will be solely responsible for any damage to your computer system or mobile device that results from the use of any such material.

we are not responsible for your dealings with any third party related to or arising from your use of this website. you agree to resolve any disputes with third parties directly with such parties, and you agree not to involve company in any dispute with third parties. you release company from all claims, demands and damages related to disputes between you and third parties.

company makes no promises and disclaims all liability for use of this website outside the united states.

Claim Limitation Period. You acknowledge and agree that you may not bring any legal action, regardless of form, arising out of this Agreement or relating to the Website, more than one year after you have knowledge, or reason to know, of the occurrence which gives rise to the cause of such action, regardless of whether you have yet suffered any injury therefrom.

6. Limitation of Liability

if you are dissatisfied with this website, including any functionality or content hereon, or these terms, your sole remedy and express obligation is to stop using the website. in the event you fail to stop using the website and claim some injury as the result, you agree to indemnify and hold company harmless from any and all losses or damage, including attorney’s fees incurred by company in defense of any action initiated by you or a third party.

7. Third Party Service Interoperability

The Website and related services provided by Company may contain features designed to interoperate with third party services and/or applications. To use such features, you may be required to obtain access to such services and/or applications from third party providers, and may be required to grant Company access to such third party provider account(s). If such third party provider ceases to make service or application available for interoperation with the corresponding features provide by Company on reasonable terms, Company may cease providing those features without entitling you to any refund, credit, or other compensation.

8. ADA Policy

Company’s goal is to permit customers and potential customers to successfully gather information and conduct business through the Website, including individuals with visual impairments that use screen readers to view the Website. Company has taken steps and is devoting resources to promote Website accessibility.

If you have difficulty accessing features or functions on this website, email us at Info@advancedpremiumcare.com and/or call our customer service line at 1-888-233-2357 and we will work with you to provide the information you seek.

9. Submissions

Submissions and Assignment of Rights. Company appreciates hearing your comments, suggestions and testimonials regarding this Website. However, nothing in this Agreement should be construed to require from you any comments, suggestions, testimonials or materials of any kind (collectively “Submissions”) and Company does not give any consideration of any kind in exchange for any Submissions. Any of your Submissions, whether provided electronically via this Website or otherwise, shall be and remain the exclusive property of Company. This includes any of your ideas or inventions contained in your Submissions. Your Submissions shall constitute a voluntary and irrevocable assignment to Company of all worldwide intellectual property rights in your Submissions, entitling Company to use, make, have made, offer to sell, sell, copy, reproduce, display, translate, summarize, modify, edit, publish, adapt, incorporate into other works and/or distribute them for any purpose, commercial or otherwise, without restriction and without compensation to you. Accordingly, your Submissions may be treated as non-confidential and non-proprietary (subject to Company’s Privacy Policy). Please do NOT submit information you do not wish to assign to Company or you do wish to retain as confidential or proprietary (for example patentable ideas, new content suggestions or business proposals).

Representations and Warranties. You represent and warrant that the content in any of your Submissions is your own original content and that no other person has any rights thereto. You represent and warrant that your Submissions do not and will not violate any right(s) of any third-party, including copyright, trademark, privacy, or other personal or proprietary right. You further agree that your Submissions will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of this Website or any related website. You may not use false personal identification information, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of your Submissions. You are solely responsible for the Submissions you make and their complete accuracy.

Communications Decency Act. Regarding Submission, Company invokes Section 230 of the Communications Decency Act (47 U.S.C. § 230) (hereinafter “CDA”). Company advises users of its Website that parental control protections (such as computer hardware, software, or filtering services) are commercially available that may assist the customer in limiting access to material that is harmful to minors. Pursuant to the CDA, Company takes no responsibility and assume no liability for any Submissions you make to us. Company may, but has no obligation to, monitor, edit or remove content that Company determines in its sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or in violation of any third-party’s intellectual property rights or this Agreement.

10. Termination

Disputes. A “Dispute” shall be defined as any controversy, claim, dispute or difference between you and Company arising out of or relating to this Agreement, this Website, any promotion, advertisement, statement and/or representation related to the Company and/or the Materials, and/or any other action taken by you or Company that relates in any way to, or arises from, your transaction of business, communication, and/or interaction with Company through Website. It is intended to be construed as broadly as possible.

11. Dispute Resolution Policy

Choice of Law and Jurisdiction. All Disputes will be governed by the laws of the state of Utah, United States of America, without regard to any conflict of law principles. You agree that your access to and use of Website in any way shall be treated the same as if you were to physically visit Company’s location in Utah, and therefore, you expressly consent that the state and federal courts in Utah may exercise personal jurisdiction over you related to any Dispute.

Mediation. Prior to pursuing any claim as set forth in Section 11 herein, you agree to mediate any Dispute with Company. Mediation shall be conducted in good faith in Utah, and will be conducted by a non-biased, independent mediator. All parties to the mediation agree to equally split the mediator fees and associated costs. Failure to timely pay such fees or costs shall be deemed a material breach hereof and shall warrant the immediate entry of requested relief against the breaching party (i.e., default judgment, dismissal with prejudice, etc.).

Arbitration. if mediation is unsuccessful, any dispute shall be resolved solely and exclusively by binding arbitration to be held in or near salt lake county, state of utah by a single disinterested arbitrator and pursuant to utah law. you expressly acknowledge that arbitration does not permit judicial or class action proceedings, and you expressly waive your right to participate in a judicial or class action proceeding, either as a representative, participant, or member, and you expressly agree to proceed in a non-class arbitration.

Except as may be required to enforce an arbitration decision, you and the Company expressly waive the right to file any legal action in any other state or federal court or before any other tribunal, and the right to a trial by jury.

Attorney’s Fees. In any event any action is brought by either party arising out of or relating to this Agreement, whether sounding in contract, tort or otherwise, the parties shall be responsible for payment of their own attorney’s fees and costs.

12. Notice

Any notice hereunder shall be in writing and shall be deemed to have been duly given: (i) five (5) business days after the date of mailing if sent by registered or certified U.S. mail; (ii) when delivered if delivered personally or sent by express courier service; (iii) when transmitted if sent by a confirmed facsimile; or (iv) when transmitted via e-mail, provided that the receiving party acknowledges receipt by return email or that sender receives an automated confirmation of receipt.

13. Force Majeure

Company will not be in default or otherwise liable for any delay in or failure of its performance under these Terms and Conditions if such delay or failure arises by any reason beyond its reasonable control, including any act of God, criminal acts of third parties, or any acts of the common enemy, the elements, earthquakes, floods, fires, epidemics, riots, failures or delays in transportation or communications, disruptions of service providers and technology, or any act or failure to act by you. The parties will promptly inform and consult with each other as to any of the above causes that, in their judgment, may or could be the cause of a substantial delay in the performance of their respective obligations hereunder. Company is not liable for excusable delay.

14. Assignment

Company may assign or transfer the Website and/or its rights, obligations and benefits under these Terms and Conditions, in whole or in part, for any reason, at any time without notice to you.

15. International Use

Although this Website may be accessible worldwide, we make no representation that this Website is appropriate or available for use in locations outside the United States. Furthermore, the website promotes products only available to residents of the United States. Those who choose to access this Website from outside the United States do so on their own initiative and at their own risk. If you choose to access this Website, you are responsible for compliance with local laws in your jurisdiction, including but not limited to protection of personal identification information and the taxation of products purchased over the Internet. Company reserves the right to refuse or rescind the licenses from locations outside the United States.

16. Company Contact

Advance Premium Care

6415 S 3000 E #210, Salt Lake City, UT 84121

1-888-233-2357

Info@advancedpremiumcare.com