Terms & Conditions – Diabeteshealthinstitute

Terms and Conditions for Leads Marketing Services

THESE TERMS AND CONDITIONS (“TERMS”) ARE A LEGAL, BINDING AGREEMENT BETWEEN Diabetes Health Foundation 123 Min St. Anywhere, USA 55555. A LEADS AND MARKETING SERVICES PROVIDER (“WE” OR “DHF”), AND YOU, THE PURCHASER OR RECIPIENT OF MARKETING LEADS OR SERVICES FROM US OR THROUGH THIS WEBSITE (“YOU” OR “PURCHASER”). THE ACCEPTANCE OF THESE TERMS IS A CONDITION TO YOUR USE OF THIS WEBSITE AND ANY LEADS, AND TO OUR PROVISION OF THE LEADS AND MARKETING SERVICES TO YOU. YOU ACCEPT THESE TERMS BY CLICKING “ACCEPT” OR SIMILAR BUTTON BELOW, WHICH WILL CONSTITUTE YOUR ELECTRONIC SIGNATURE ON THESE TERMS. YOU AGREE THAT EACH INTERACTION BETWEEN YOU AND THIS WEBSITE, AND EACH REQUEST FOR OR DELIVERY OF LEADS OR OTHER MARKETING SERVICES IS SUBJECT TO THESE TERMS. IF YOU DO NOT AGREE TO ANY OR ALL OF THESE TERMS YOU MAY NOT USE OUR SERVICES OR ACQUIRE LEADS OR SERVICES FROM US AND SHOULD NOT ACCESS THIS WEBSITE. THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION.

Purchase of Leads

You agree to purchase from us data collected from consumers who complete an online form and submit contact information and details about their request for information or service quotes (“leads”) that conform to the following guidelines. A lead will include only information that has been input by the individual and the following lead contact information as available, unless otherwise agreed to by you and us in writing: (a) first and last name, (b) address, (c) email address, and (d) phone number. DHF makes no representations about the quantity, sufficiency or quality of leads that it provides to you.

You will be charged a cost per lead stated at the time of the purchase, and fees may vary from purchase to purchase. Fees accrue and are due upon your receipt of the leads. You agree to provide us current and valid credit card information (type, name, number, expiration date, etc.) and hereby authorize us (directly or through our agents) to charge the credit card you have provided in the amount of all or part of the fees payable for the leads purchased plus any taxes we may be required to collect. We may require that you fund in advance your account with us in an amount determined by us from time to time. You authorize us to make a charge against your account pre-funded balance in the amount of the fees for the leads that are delivered to you. Pre-funded balances will need to be replenished to maintain the balance at the required minimum amounts established by us from time to time. We reserve the right not to deliver leads if there is not a sufficient balance in your account to pay for the leads.

Purchases of leads are not cancellable, and fees paid are not refundable. You are not authorized to use any leads that are not paid for.

A lead may be rejected by you for a credit within ten (10) days of receipt if: (i) the lead includes a disconnected phone number; (ii) the lead individual is under 18 years of age; (iii) the lead is outside of the geography or not for the service expressly requested by you, where applicable, or (iv) the lead is a duplicate of another lead we have provided for the same requested services that is generated by the same individual (i.e., the leads consist of the same name, phone number and email address).

Authorized Use and Purpose of Leads

Leads and related marketing services are provided on a non-exclusive basis for a specific type of product or service for which the consumer submitted the online form (“the specific vertical”), such as for example, healthcare insurance. You are authorized to use the leads and our services provided by us solely for your internal marketing purposes of proposing only your products and services in the specific vertical to the consumer. You may not use the lead or services for purposes of marketing or offering products and services other than those that the consumer has specifically inquired about, or of third parties.

Leads and services are confidential information of DHF. YOU AGREE NOT TO SHARE WITH OTHERS, LICENSE, RESELL, DISTRIBUTE OR OTHERWISE DISCLOSE ANY OR ALL OF THE LEADS OR SERVICES OR THE INFORMATION CONTAINED IN THEM, ALONE OR AS PART OF A LIST OR ANY OTHER DATA OR LEAD AGGREGATION, TO ANY THIRD PARTY FOR ANY PURPOSE, EXCEPT ONLY TO AN ENTITY ENGAGED BY YOU AS A CONTRACTOR FOR THE SOLE PURPOSE OF ASSISTING YOU IN CONNECTION WITH THE AUTHORIZED USE OF THE LEADS BY YOU.

Compliance

It is your sole responsibility to familiarize yourself with all laws and regulations applicable to the receipt, use, storage and safeguarding of data that identifies consumers that we provide you, and to comply with them. You agree to maintain commercially reasonable physical, electronic and procedural controls and safeguards to protect any such consumer information received pursuant to these terms from unauthorized use or disclosure, including the maintenance of appropriate safeguards to restrict access to the consumer data solely to carry out the purposes for which the information was disclosed.

Warranties & Disclaimer

With respect to each purchase or receipt of leads or services, you agree and warrant that:

the use of the leads and services and any calls and other interactions with and information provided to consumers resulting from the leads will comply with all applicable federal, state and local laws, statutes, rules and regulations, including without limitation, the Communications Act of 1934, as amended, the Telephone Consumer Protection Act (“TCPA”) and implementing regulations issued by Federal Communications Commission, the Telemarketing and Consumer Fraud and Abuse Prevention Act, the Federal Trade Commission’s Telemarketing Sales Rule, the Controlling the Assault of Non-Solicited Pornography and Marketing Act, and other federal and state laws and regulations governing the marketing, promotion, and/or sales of goods or services, including general consumer protection laws and regulations, or other consumer protection laws that prohibit unfair, deceptive, or misleading acts or practices;
without limiting the generality of subsection (a) above, you will not make any calls to any individual listed on any federal or state national Do-Not-Call (DNC) registry unless an exemption applies;
you will not use any lead information for purposes of determining a person’s eligibility for insurance, credit, employment or otherwise in any manner that violates the Fair Credit Reporting Act;
you have obtained any and all required licenses, permits, and other authorizations required by any law, regulation, or government or regulatory authority to conduct your business as presently conducted, including offering and selling the products and services that are the subject of the lead;
you have disclosed the existence of any federal or state decrees, orders, or consent agreements, and any pending formal or informal government investigations, and you further represent and warrant that if you become involved or named in any action, investigation, complaint or other proceeding by or before any governmental or regulatory authority, or any private party, you will immediately provide notice to DHF of such action, investigation, complaint or other proceeding; and
you will ensure that your employees, contractors and agents comply with the foregoing.

THE LEADS, MARKETING SERVICES AND THIS WEBSITE ARE PROVIDED “AS IS”, “WHERE IS”. EXCEPT AS EXPRESSLY SET FORTH IN THIS SECTION, NEITHER PARTY MAKES ANY WARRANTIES TO THE OTHER, AND ALL IMPLIED, STATUTORY OR OTHER WARRANTIES ARE DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, COMPLIANCE WITH THE LAWS, NON-INFRINGEMENT, TITLE, OR BASED ON COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT GUARANTEE THAT THE INFORMATION PROVIDED BY THE CONSUMER IS ACCURATE OR COMPLETE, OR THE RESULTS TO BE ACHIEVED FROM THE LEADS, INCLUDING ANY SPECIFIC CUSTOMER CONVERSION RATES.

YOU UNDERSTAND AND ACCEPT THAT LEADS AND CONTACT INFORMATION COLLECTED HAVE NOT BEEN SCREENED OR VALIDATED BY US AND ARE NOT GUARANTEED TO BE ACCURATE OR ERROR-FREE AND ALL RISKS OF CONDITION, USE, QUALITY, DESIGN, OR FITNESS ARE YOURS.

Indemnification

You agree to indemnify, defend and hold harmless DHF and its members, directors, officers and affiliates, successors and assigns from and against any liabilities, damages, costs and expenses (including reasonable attorney’s fees) resulting from a third party claim or investigation relating to or arising from your, your affiliates’, or your or their employees’, contractors’ or agents’ activities with respect to the leads or the possession, disclosure or use thereof, including without limitation, any consumer contact or information in connection therewith, or any breach of the warranties you made above, including your warrant of compliance with TCPA, or the restrictions on use of the leads. This obligation remains in effect for a period of five (5) years from the date of each lead purchased or received by you, and remains in effect thereafter for all claims made or investigations initiated during that period.

Consent to Call

We have made a reasonable effort, based on currently understood legal requirements, to obtain the consumer’s online prior express written consent to be contacted by automatic telephone dialing systems on their mobile phones pursuant to the TCPA, and have provided to you a copy of the consent language and mechanism we use. You should determine whether the consents we have obtained are legally sufficient and comply with your internal marketing policies. DHF makes no representations or warranties regarding such consent, including but not limited that such consent complies with the TCPA requirements or other applicable law, or that the leads can all be called.

Disclaimer and Limitations of Liability

AS A CONDITION TO THE PROVISION OF THE LEADS AND OTHER MARKETING SERVICES, WE BOTH AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, DHF WILL NOT BE LIABLE TO YOU, YOUR AFFILIATES OR RESPECTIVE CONTRACTORS OR AGENTS OR ANY THIRD PARTY, REGARDLESS OF THE CAUSE OR ACTION, FOR: (i) ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, SPECIAL OR RELIANCE DAMAGES RESULTING FROM OR ARISING IN CONNECTION WITH THE LEADS OR OTHER MARKETING SERVICES, ANY INFORMATION WE PROVIDE TO YOU IN CONNECTION THEREWITH, THESE TERMS OR ANY MATTERS RELATING THERETO, INCLUDING WITHOUT LIMITATION LOSS OF REVENUES, PROFITS, BUSINESS OPPORTUNITY OR DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; OR (ii) ANY DAMAGES OF ANY TYPE, IN THE AGGREGATE AT ANY TIME, IN EXCESS OF THE AMOUNT PAID BY YOU TO US FOR LEADS UNDER THESE TERMS IN THE MOST RECENT THREE (3) MONTH PERIOD. THE LIMITATIONS AND EXCLUSIONS OF LIABILITY HEREIN SHALL APPLY EQUALLY FOR THE BENEFIT OF DHF SUPPLIERS, OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS AND EMPLOYEES WHEN ACTING IN CONNECTION WITH THE SUBJECT MATTER OF THESE TERMS.

YOU ACKNOWLEDGE THAT DHF WOULD NOT HAVE ENTERED INTO THIS AGREEMENT BUT FOR THE LIMITATIONS CONTAINED IN THIS SECTION.

Termination

You or we may terminate our relationship at any time by discontinuing the provision or purchase of leads. These terms survive termination for any reason, and continue to apply indefinitely to any leads purchased or received hereunder and all matters relating to such leads or their use, including without limitation the use restrictions, warranties, indemnification, limitation of liability and mandatory arbitration provided herein.

Mandatory Arbitration

These terms are governed by the laws of the State of Wyoming. You and we agree to resolve any disputes relating to these terms, the leads or other marketing services exclusively by binding arbitration, before a single arbitrator, pursuant to the rules of the American Arbitration Association. The seat of the arbitration will be the jurisdiction where the party in the position of defendant is domiciled. The arbitrator shall be selected pursuant to the AAA rules, or otherwise as mutually agreeable to both parties. To begin the arbitration process, a party must make a written demand therefor. The decision of the arbitrator may be enforced in any court of competent jurisdiction.

Miscellaneous

We do not endorse or recommend the products or services of any particular third party. DHF is not a licensed insurance provider, does not offer any insurance products or services, and has no responsibility for any products or services you may purchase or obtain from the third parties who receive your information. That is a contract or transaction solely between you and them. The third party determines what products and services you may qualify for and the terms of any arrangements between you and them, and makes all decision relating to their products and services. However, DHF does not market Medicare Advantage Plans or Medicare Part D (prescription drug plans) and prohibits its customers from using consumer information submitted on this site for the marketing or sale of Medicare Advantage Plans or Medicare Part D (prescription drug plans). Further, there is no guarantee that, by submitting your information, you will be contacted by one or more third parties regarding the subject of your inquiry.

We are an independent contractor, and you and we are not by this agreement in a relationship of joint venturers, partners or agency, and neither party has the power to obligate or bind the other in any manner whatsoever. If any provision of this agreement is determined to be invalid, illegal or unenforceable, in whole or in part, the validity, legality and enforceability of any of the remaining provisions of this agreement shall not in any way be affected or impaired thereby and this agreement shall nevertheless be binding between the parties, and such provision shall be deemed to be restated to reflect as nearly as possible the original intensions of the parties in accordance with applicable law, and the remainder of the agreement shall remain in full force and effect.

You may not assign or transfer the leads or these terms, without DHF’S prior written consent, and any attempted assignment or transfer without such consent shall be null and void.

Terms and Conditions for Leads Marketing Services

THESE TERMS AND CONDITIONS (“TERMS”) ARE A LEGAL, BINDING AGREEMENT BETWEEN Real Skillz LLC, 165 Ponce de Leon Ave Ste 201, San Juan, PR 00917. A LEADS AND MARKETING SERVICES PROVIDER (“WE” OR “NFAA”), AND YOU, THE PURCHASER OR RECIPIENT OF MARKETING LEADS OR SERVICES FROM US OR THROUGH THIS WEBSITE (“YOU” OR “PURCHASER”). ACCEPTANCE OF THESE TERMS IS A CONDITION TO YOUR USE OF THIS WEBSITE AND ANY LEADS, AND TO OUR PROVISION OF THE LEADS AND MARKETING SERVICES TO YOU. YOU ACCEPT THESE TERMS BY CLICKING “ACCEPT” OR SIMILAR BUTTON BELOW, WHICH WILL CONSTITUTE YOUR ELECTRONIC SIGNATURE ON THESE TERMS. YOU AGREE THAT EACH INTERACTION BETWEEN YOU AND THIS WEBSITE, AND EACH REQUEST FOR OR DELIVERY OF LEADS OR OTHER MARKETING SERVICES IS SUBJECT TO THESE TERMS. IF YOU DO NOT AGREE TO ANY OR ALL OF THESE TERMS YOU MAY NOT USE OUR SERVICES OR ACQUIRE LEADS OR SERVICES FROM US AND SHOULD NOT ACCESS THIS WEBSITE. THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION.

Purchase of Leads

You agree to purchase from us data collected from consumers who complete an online form and submit contact information and details about their request for information or service quotes (“leads”) that conform to the following guidelines. A lead will include only information that has been input by the individual and the following lead contact information as available, unless otherwise agreed to by you and us in writing: (a) first and last name, (b) address, (c) email address, and (d) phone number. NFAA makes no representations about the quantity, sufficiency or quality of leads that it provides to you.

You will be charged a cost per lead stated at the time of the purchase, and fees may vary from purchase to purchase. Fees accrue and are due upon your receipt of the leads. You agree to provide us current and valid credit card information (type, name, number, expiration date, etc.) and hereby authorize us (directly or through our agents) to charge the credit card you have provided in the amount of all or part of the fees payable for the leads purchased plus any taxes we may be required to collect. We may require that you fund in advance your account with us in an amount determined by us from time to time. You authorize us to make a charge against your account pre-funded balance in the amount of the fees for the leads that are delivered to you. Pre-funded balances will need to be replenished to maintain the balance at the required minimum amounts established by us from time to time. We reserve the right to not deliver leads if there is not a sufficient balance in your account to pay for the leads.

Purchases of leads are not cancellable, and fees paid are not refundable. You are not authorized to use any leads that are not paid for.

Authorized Use and Purpose of Leads

Leads and services are confidential information of NFAA. YOU AGREE NOT TO SHARE WITH OTHERS, LICENSE, RESELL, DISTRIBUTE OR OTHERWISE DISCLOSE ANY OR ALL OF THE LEADS OR SERVICES OR THE INFORMATION CONTAINED IN THEM, ALONE OR AS PART OF A LIST OR ANY OTHER DATA OR LEAD AGGREGATION, TO ANY THIRD PARTY FOR ANY PURPOSE, EXCEPT ONLY TO AN ENTITY ENGAGED BY YOU AS A CONTRACTOR FOR THE SOLE PURPOSE OF ASSISTING YOU IN CONNECTION WITH THE AUTHORIZED USE OF THE LEADS BY YOU.

Compliance

Warranties & Disclaimer

With respect to each purchase or receipt of leads or services, you agree and warrant that:

the use of the leads and services and any calls and other interactions with and information provided to consumers resulting from the leads will comply with all applicable federal, state and local laws, statutes, rules and regulations, including without limitation, the Communications Act of 1934, as amended, the Telephone Consumer Protection Act (“TCPA”) and implementing regulations issued by Federal Communications Commission, the Telemarketing and Consumer Fraud and Abuse Prevention Act, the Federal Trade Commission’s Telemarketing Sales Rule, the Controlling the Assault of Non-Solicited Pornography and Marketing Act, and other federal and state laws and regulations governing the marketing, promotion, and/or sales of goods or services, including general consumer protection laws and regulations, or other consumer protection laws that prohibit unfair, deceptive, or misleading acts or practices;
without limiting the generality of subsection (a) above, you will not make any calls to any individual listed on any federal or state national Do-Not-Call (DNC) registry unless an exemption applies;
you will not use any lead information for purposes of determining a person’s eligibility for insurance, credit, employment or otherwise in any manner that violates the Fair Credit Reporting Act;
you have obtained any and all required licenses, permits, and other authorizations required by any law, regulation, or government or regulatory authority to conduct your business as presently conducted, including offering and selling the products and services that are the subject of the lead;
you have disclosed the existence of any federal or state decrees, orders, or consent agreements, and any pending formal or informal government investigations, and you further represent and warrant that if you become involved or named in any action, investigation, complaint or other proceeding by or before any governmental or regulatory authority, or any private party, you will immediately provide notice to NFAA of such action, investigation, complaint or other proceeding; and
you will ensure that your employees, contractors and agents comply with the foregoing.

Indemnification

You agree to indemnify, defend and hold harmless NFAA and its members, directors, officers and affiliates, successors and assigns from and against any liabilities, damages, costs and expenses (including reasonable attorney’s fees) resulting from a third party claim or investigation relating to or arising from your, your affiliates’, or your or their employees’, contractors’ or agents’ activities with respect to the leads or the possession, disclosure or use thereof, including without limitation, any consumer contact or information in connection therewith, or any breach of the warranties you made above, including your warrant of compliance with TCPA, or the restrictions on use of the leads. This obligation remains in effect for a period of five (5) years from the date of each lead purchased or received by you, and remains in effect thereafter for all claims made or investigations initiated during that period.

Consent to Call

We have made a reasonable effort, based on currently understood legal requirements, to obtain the consumer’s online prior express written consent to be contacted by automatic telephone dialing systems on their mobile phones pursuant to the TCPA, and have provided to you a copy of the consent language and mechanism we use. You should determine whether the consents we have obtained are legally sufficient and comply with your internal marketing policies. NFAA makes no representations or warranties regarding such consent, including but not limited that such consent complies with the TCPA requirements or other applicable law, or that the leads can all be called.

Disclaimer and Limitations of Liability

AS A CONDITION TO THE PROVISION OF THE LEADS AND OTHER MARKETING SERVICES, WE BOTH AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, NFAA WILL NOT BE LIABLE TO YOU, YOUR AFFILIATES OR RESPECTIVE CONTRACTORS OR AGENTS OR ANY THIRD PARTY, REGARDLESS OF THE CAUSE OR ACTION, FOR: (i) ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, SPECIAL OR RELIANCE DAMAGES RESULTING FROM OR ARISING IN CONNECTION WITH THE LEADS OR OTHER MARKETING SERVICES, ANY INFORMATION WE PROVIDE TO YOU IN CONNECTION THEREWITH, THESE TERMS OR ANY MATTERS RELATING THERETO, INCLUDING WITHOUT LIMITATION LOSS OF REVENUES, PROFITS, BUSINESS OPPORTUNITY OR DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; OR (ii) ANY DAMAGES OF ANY TYPE, IN THE AGGREGATE AT ANY TIME, IN EXCESS OF THE AMOUNT PAID BY YOU TO US FOR LEADS UNDER THESE TERMS IN THE MOST RECENT THREE (3) MONTH PERIOD. THE LIMITATIONS AND EXCLUSIONS OF LIABILITY HEREIN SHALL APPLY EQUALLY FOR THE BENEFIT OF NFAA SUPPLIERS, OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS AND EMPLOYEES WHEN ACTING IN CONNECTION WITH THE SUBJECT MATTER OF THESE TERMS.

YOU ACKNOWLEDGE THAT NFAA WOULD NOT HAVE ENTERED INTO THIS AGREEMENT BUT FOR THE LIMITATIONS CONTAINED IN THIS SECTION.

Termination

Mandatory Arbitration

These terms are governed by the laws of the State of WYOMING. You and we agree to resolve any disputes relating to these terms, the leads or other marketing services exclusively by binding arbitration, before a single arbitrator, pursuant to the rules of the American Arbitration Association. The seat of the arbitration will be the jurisdiction where the party in the position of defendant is domiciled. The arbitrator shall be selected pursuant to the AAA rules, or otherwise as mutually agreeable to both parties. To begin the arbitration process, a party must make a written demand therefor. The decision of the arbitrator may be enforced in any court of competent jurisdiction.

Miscellaneous

We do not endorse or recommend the products or services of any particular third party. NFAA is not a licensed insurance provider, does not offer any insurance products or services, and has no responsibility for any products or services you may purchase or obtain from the third parties who receive your information. That is a contract or transaction solely between you and them. The third party determines what products and services you may qualify for and the terms of any arrangements between you and them, and makes all decision relating to their products and services. However, NFAA does not market Medicare Advantage Plans or Medicare Part D (prescription drug plans) and prohibits its customers from using consumer information submitted on this site for the marketing or sale of Medicare Advantage Plans or Medicare Part D (prescription drug plans). Further, there is no guarantee that, by submitting your information, you will be contacted by one or more third parties regarding the subject of your inquiry.

You may not assign or transfer the leads or these terms, without NFAA’S prior written consent, and any attempted assignment or transfer without such consent shall be null and void.

PRIVACY POLICY

1. Introduction

This Privacy Policy describes the information practices of Real Skillz Marketing Inc on the No Fees At All (NFAA) website at https://nofeesatall.com (along with all subdomains, collectively, the “Site”). This Privacy Policy is only applicable to the Site and not to any other websites that you may be able to access from the Site, each of which may have data collection, storage, and use practices and policies that differ materially from this Privacy Policy.

2. Information Collection Practices

Types of Information Collected

Personal Information Collected. In order for you to access and purchase data offered via the Site, we may require you to provide information that personally identifies you (“Personal Information”). Personal Information may include the following categories of information: (1) Contact Data (such as your name, title, company or organization name, mailing address, and e-mail address); (2) Financial Data (such as your account or credit card number); and (3) Demographic Data (such as your zip code and age). If you communicate with us by email, post messages to any of our chat groups, bulletin boards, or forums, or otherwise complete online forms, surveys, or contest entries, any information provided may be collected as Personal Information

Traffic Data Collected. We may automatically track and collect the following categories of information when you visit our Site: (1) IP addresses; (2) domain servers; (3) types of computers accessing the Site; and (4) types of web browsers used to access the Site (collectively “Traffic Data”). Traffic Data is anonymous information that does not personally identify you but is helpful for improving your experience on the Site.

Uses of Information Collected

We may use your Personal Information to send you information about our company and our products or services or to contact you when necessary. We may also share your Personal Information with our partners who may contact you about goods and services they offer. We use your Financial Data only to verify your qualifications for certain data or services and to bill you for data and services. We do not use your Financial Data for any other purpose.

Cookies and Web Beacons

Cookies and web beacons are small text files that are stored on your computer when you visit certain web pages. NFAA collects information through cookies and web beacons about your web browsing activities such as the address of the page you are visiting, the address of the referrer page you previously visited, the time you are viewing the page, your browsing environment, and your display settings. We may use cookies and web beacons on our Site for the following purposes:

Understanding traffic patterns and the number of visitors to the Site and other websites that we partner with;
Understanding how you use and interact with the Site;
Improving NFAA products and services;
Optimizing your experience on the Site;
Providing anonymous individual or aggregate auditing, research, modeling, and reporting for our advertisers and other partners;
Storing your password so you do not have to re-enter it each time you visit the Site;
Providing you with relevant advertising and content; and
Managing the Site.

Please note that cookies may be placed by a third party service provider who performs these functions for us. These third parties may have their own privacy policies.

Sharing of Personal Information

We may share Personal Information with advertisers and other third parties. The other parties with whom we share Personal Information may send information to you about products or services. We do not share your Financial Data with these third parties. We may share Financial Data with business partners who assist us by performing core services (such as hosting, billing, fulfillment, or data storage and security) related to our operation of the Site. Those business partners agree to uphold the same standards of security and confidentiality described in this Privacy Policy, and they will only use your Financial Data to carry out their specific business obligations to NFAA .

If you do not want us to share your Personal Information with any third parties, please email us at admin@nofeesatall.com, we maintain a procedure for you to review and request changes to your Personal Information, described below.

Internet Based Ads

We may also share Traffic Data with advertisers and other third parties who may use it for advertising purposes, including to serve targeted advertising on non-affiliated third party sites. Some of those ads may be personalized, meaning that they are intended to be relevant to you based on information about your online activities on the Site or other websites over time. For example, anonymous information collected across multiple sites may enable the ad network to predict your preferences and show you ads that are likely to be of interest to you. Please note that we do not share any information that identifies you personally with the third party service providers who serve ads on our behalf. To opt out of these types of ads, please visit the Network Advertising Initiative for information about how to opt-out of interest-based advertising by their members. See www.networkadvertising.org for general information about the NAI and www.networkadvertising.org/managing/opt_out.asp for the opt-out page. You may also visit www.aboutads.info/consumers/ to learn about interest based advertising and how to opt-out from online behavioral ads served by some or all participating companies.

If we or some or all of our assets are acquired by another company, including through a sale in connection with a bankruptcy, that company will possess the information collected by us, and it will assume the rights and obligations regarding your Personal Information as described in this Privacy Policy.

We may disclose Personal Information or other data to comply with law or legal requirements, enforce or apply our Terms of Use and other agreements, or protect our rights, property, the safety of our users, or others.

Email Marketing

By submitting your email address via the Site, you are expressly consenting to receive emails from NFAA , including from NFAA ‘s affiliates, and from third parties concerning offers and advertisements unrelated to NFAA . To opt-out of receiving email messages from us, from our affiliates or from other third parties, click on the “Unsubscribe” link contained in each email.

Contests, Sweepstakes, Surveys

NFAA may conduct or co-sponsor contests, sweepstakes, or other offerings. In such circumstances, the information we obtain from you may be shared with our co-sponsor. Our co-sponsors will have the right to use your information for their own purposes, in accordance with their own privacy policies. If you do not wish for the information we obtain from you to be shared with our co-sponsor, please do not participate in these offerings.

3. Confidentiality and Security of Personal Information

User Ability to Access, Update, and Correct Personal Information

At any time you may contact NFAA via email at admin@nofeesatall.com to update your Personal Information or request that your Personal Information no longer be shared by NFAA . In the case that your credit card, user name, or password is lost, stolen, or used without permission, promptly contact NFAA at nofeesatall.com to update the Personal Information we have on file for you.

Your California Privacy Rights

NFAA may make your Personal Information available to third parties for their marketing purposes as described in this Privacy Policy.

Security

NFAA uses reasonable security measures to protect against the loss, misuse, and alteration of the information under NFAA ‘s control.

4. Public Information

The Site contains links to websites not operated by NFAA . We are not responsible for the privacy practices or the content of such websites. Please review the privacy policies of each site you visit. We may also make chat rooms, forums, message boards, and news groups available to you. Please understand that any information that is disclosed in these areas becomes accessible to the public. You should exercise caution when deciding to disclose your Personal Information in a public forum.

5. Updates and Changes to Privacy Policy

We reserve the right, at any time and without notice, to update or modify this Privacy Policy, simply by posting such update or modification on the Site. Any such change, update, or modification will be effective immediately upon posting on the Site. Your consent to such changes through your continued use of the Site.

Real Skillz LLC
165 Ponce de Leon Ave Ste 201
San Juan, PR 00917