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Our goal is to save homes from foreclosure
At Consumer Assistance Law, we represent clients with foreclosure defense... Read More>>

Defending the Foreclosure
You should have an attorney no matter what technique you are using so that you can have quality... Read More>>

Thorough Review of a Homeowner's Loan Documents
Attorneys may also be able to challenge the right of a... Read More>>

Law Suit Against Lender
Finally, there are thousands of state and federal rules that a lender must abide by as they lend money... Read More>>

Legal Disclaimer

This site is intended to provide general information only. You should never assume that specific or general information applies to your case without consulting with an experienced attorney. Sending e-mail or requesting an initial consultation does not create an attorney client relationship. Visitors to this site are encouraged to contact a lawyer directly for specific advice.

This web site may be considered advertising under the Rules of Professional Conduct of the Florida Bar. You should make decisions regarding legal representation after consulting with an attorney, and not based upon brochures, advertising, or any other promotional materials. Our description of our practice and experience is for your information only. The facts and law in each case is different. We cannot and do not represent or guarantee a specific result in any given case.

Certain time limitations may apply to your case. If you believe you have a claim, you should promptly seek legal advice to protect your rights. The hiring of a lawyer is an important decision that should not be solely based on advertisement. Before you decide, ask us about our qualifications and experience. Please click here to contact us and we will be glad to respond to your inquiry.

The information you obtain at this site is not, nor is it intended to be, legal advice. The content of this Website contains general information and may not reflect current legal developments, verdicts or settlements. The Firm expressly disclaims all liability in respect to actions taken or not taken based on any or all the contents of this Website. You should consult an attorney for advice regarding your individual situation. Some links within the Website may lead to other web-sites, including those operated and maintained by third parties. The Firm includes these links solely as a convenience to you, and the presence of such a link does not imply a responsibility for the linked site or an endorsement of the linked site, its operator, or its contents. The Firm does not wish to represent anyone desiring representation based upon viewing this Website in a state or jurisdiction where this Website fails to comply with all laws and ethical rules of that state. Reproduction, distribution, republication, and/or retransmission of material contained within The Firm Website is prohibited unless the prior written permission of The Firm has been obtained. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney client relationship has been established.

Terms & Conditions

Consumer Assistance Law, its parent, subsidiaries, divisions and related web sites (hereinafter collectively referred to as “Company”) Acceptable Use Policy (“AUP”) describes the proper kinds of conduct and prohibited uses of Company’s services (the “Services”), as described and subscribed to pursuant to the applicable Terms and Conditions Agreement (“Agreement”) of which this policy is incorporated. The AUP is not exhaustive and Company reserves the right to modify the AUP at any time, effective upon posting of the modified AUP to the website. By registering for and using the Services, and thereby accepting the terms and conditions of the Agreement, you agree to abide by the AUP as modified from time to time. Any violation of the AUP may result in the suspension or termination of your account and such other action as Company deems appropriate.

VIOLATION OF ANY OF THESE GUIDELINES IS STRICTLY PROHIBITED AND MAY RESULT IN THE IMMEDIATE TERMINATION OR SUSPENSION OF THE SERVICES YOU RECEIVE FROM COMPANY. YOU WILL REMAIN SOLELY LIABLE AND RESPONSIBLE FOR YOUR USE OF THE SERVICES AND ANY AND ALL CONTENT THAT YOU DISPLAY, UPLOAD, DOWNLOAD OR TRANSMIT THROUGH THE USE OF THE SERVICES. “CONTENT” INCLUDES, WITHOUT LIMITATION, YOUR E-MAIL, WEB PAGES, PERSONAL HOME PAGES, AND DOMAIN NAMES.
INDIRECT OR ATTEMPTED VIOLATIONS OF THE AUP, AND ACTUAL OR ATTEMPTED VIOLATIONS BY A THIRD PARTY ON YOUR BEHALF, WILL BE CONSIDERED VIOLATIONS OF THE AUP BY YOU.

1. YOUR GENERAL RESPONSIBILITIES.

Preserve the value of the site’s resources as a conduit for free expression, and encouraging the responsible use of said resources while discouraging degrading, libelous or illegal uses of such resources. Consequently, Company expects you, and all other users of the Services, to take responsibility in using the Internet with courtesy and responsibility, and be familiar with and to practice good Internet etiquette, in furtherance of the above stated goals.

2. PROHIBITED CONDUCT.

You may use the Services only for lawful purposes. Transmission, distribution, sale, or storage of any material in violation of any applicable law, regulation, or the AUP is prohibited. The following non-exhaustive list details the kinds of illegal or harmful conduct that are prohibited. Company reserves the rights to restrict or prohibit any and all uses of the Services or content on your Web site(s) and to remove such materials from its servers, which Company determines in its sole discretion is harmful to its servers, systems, network, reputation, good will, other Company customers, or any third party.

Defamation. You agree not to post or transmit any content in violation of any applicable law of libel or defamation in the United States or elsewhere.

False advertising. You agree not to post or transmit on or through any services, any advertising, or promotional materials that contain false, deceptive or misleading statements, claims, or representations.

Copyright/Trademark Infringement. You agree not to post or transmit on or through the services any content that infringes on the intellectual property rights or other proprietary rights including, without limitation, material protected by copyright, trademark, patent, trade secret, or other intellectual property right of another person or entity or use the same without proper authorization. Infringement may result from, among other activities, the unauthorized copying and posting of pictures, logos, software, articles, musical works, and videos.

Offensive Materials. You agree not to transmit, disseminate, sell, store or host material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise objectionable.

Export Violations. You agree not to post or send software or technical information in violation of U.S. export laws, including, without limitation, the Export Administration Act and the Export Administration Regulations maintained by the Department of Commerce.

Harmful Content. You agree not to disseminate or host harmful content including, without limitation, viruses, Trojan horses, worms, time bombs, cancel bots or any other computer programming routines that may damage, interfere with, surreptitiously intercept or expropriate any system, program, data or personal information.

Fraudulent Conduct. Your agree not to offer or disseminate fraudulent goods, services, schemes, or promotions (i.e., make money fast schemes, chain letters, pyramid schemes), or furnishing false data on any signup form, contract or online application or registration, or the fraudulent use of any information obtained through the use of the Services, including without limitation, use of credit card numbers.

False Pretenses. You agree not to use the services to impersonate any person or communicate under a false name or a name that you are not entitled or authorized to use in all forms of online communication. False domain registration is strictly prohibited.

Failure to Abide by Third-Party Website Policies. You agree not to violate the rules, regulations, or policies that apply to any third-party network, server computer database, or website that you access by or through the services.

Child Pornography. You agree not to violate the Federal child exploitation statutes to possess, produce, receive, transport or distribute by any means, including computer, visual depictions of “sexual intercourse” and/or “sexually explicit conduct” involving children.

Distribution of Viruses. You agree not to intentionally distribute any software that attempts to and/or causes damage or annoyance to persons, data, and/or computer systems.

Facilitating a Violation of this AUP. You agree not to advertise, transmit, or otherwise make available any software, program, product, or service that is designed to violate this AUP which includes, but is not limited to, spam, pinging, flooding, mail bombing, denial of service attacks or piracy of software.

Unauthorized access. Using the Services to access, or to attempt to access, the accounts of others, or to penetrate, or attempt to penetrate, security measures of another entity’s computer software or hardware, electronic communications system, or telecommunications system, whether or not the intrusion results in the corruption or loss of data.

Collection of personal data. Using the Services to collect, or attempt to collect, personal information about third parties without their knowledge or consent.

Reselling the services. Reselling the Services without Company’s express written consent.

Network disruptions and unfriendly activity. Using the Services for any activity which adversely affects the ability of other people or systems to use Company’s Services or the Internet. This includes “denial of service” (DoS) attacks against another network host or individual user. Interference with or disruption of other network users, network services or network equipment is prohibited. It is your responsibility to ensure that their network is configured in a secure manner. You may not, through action or inaction, allow others to use your network for illegal or inappropriate actions. You may not permit your network, through action or inaction, to be configured in such a way that gives a third party the capability to use their network in an illegal or inappropriate manner.

3. SYSTEM AND NETWORK SECURITY AND INTEGRITY.

Violations of Company’s or any third party’s server, system or network security through the use of the Services are prohibited, and may result in criminal and civil liability. Company may investigate incidents involving such violations. Company may involve and cooperate with law enforcement if a criminal violation is suspected. Examples of server, system or network security violations include, without limitation, the following:

Hacking: Unauthorized access to or use of data, systems, servers or networks, including any attempt to probe, scan or test the vulnerability of a system, server or network or to breach security or authentication measures without express authorization of the owner of the system, server or network.

Interception: Unauthorized monitoring of data or traffic on any network, server, or system without express authorization of the owner of the system, server, or network.

Intentional Interference: Interference with service to any user, host or network including, without limitation, mail bombing, news bombing, other flooding techniques, deliberate attempts to overload a system, broadcast attacks and any activity resulting in the crash of a host. Intentional interference also means the use of any kind of program/script/command, or sends messages of any kind, designed to interfere with a user’s terminal session, via any means, locally or by the Internet.
Falsification of Origin or Routing Information: Forging of any TCP-IP packet header, e-mail header or any part of a message header. Using, selling, or distributing in conjunction with services any computer program designed to conceal the source or routing information of electronic mail messages in a manner that falsifies an internet domain, header information, date or time stamp, originating email address or other identifier.

Avoiding System Restrictions: Using manual or electronic means to avoid any use limitations placed on the Services such as timing out.
Failure to Safeguard Accounts: Failing to prevent unauthorized access to accounts, including any account passwords.

4. E-MAIL.

The Services may be used to transmit Commercial E-mail that complies with all United States state and federal laws including, but not limited to the CAN-SPAM Act of 2003. However, you may not distribute, publish, or send any of the following types of e-mail:

Unsolicited promotions, advertising or solicitations (commonly referred to as “spam”) that is not compliant with the CAN-SPAM Act of 2003, including, without limitation, commercial advertising and informational announcements to those email addresses who have requested that their email addresses be opted out.
Commercial promotions, advertising, solicitations, or informational announcements that contain false or misleading information in any form. Harassing e-mail, whether through language, frequency, or size of messages. Chain letters.

Third Party Links. Links to third party web sites should not be inserted in emails without the direct or indirect permission of the third party, and your email should conspicuously notify the recipient that the link is to a third party over which you have no control or operation.

In addition, you may not use Company’s mail server or another Web site’s mail server to relay mail without the express permission of the account holder or the Web site. Posting the same or similar message to one or more newsgroups, message boards, blogs, Company discussion groups, etc., (excessive cross-posting or multiple-posting) also is explicitly prohibited.

Malicious e-mail, including without limitation “mail bombing” (flooding a user or Web site with very large or numerous pieces of mail) or “trolling” (posting outrageous messages to generate numerous responses).

5. INSTANT MESSAGING and CHAT Services.

Inappropriate use or misuse of instant messaging or chat applications on the Company network is not acceptable. Examples include: Sending instant messages that contain threatening, abusive, illegal or libelous material.

6. LINKS TO THIRD-PARTY SITES.

The Website may contain links to other websites that are maintained by third parties over which Company has no control. These links are provided for convenience only. Use of these links will cause you to leave this Site and use of third-party websites is entirely at your own risk. Company makes no representation or warranty concerning any other site or the information, products or services offered or appearing on or through these sites. Company does not sponsor or endorse the operators of the sites or the content, products or services they provide, and Company is not responsible or liable for the conduct of the sites’ operators, the content, availability, accuracy, quality, advertising, products, services or other materials offered at the sites.

7. MODIFICATION OF THE POLICY AND AGREEMENT.

We reserve the right to modify this Policy and Agreement at any time, effective upon its posting, as modified. Each time you use the Website, you agree to the currently posted policies and Agreements by accessing or using our Website, products or services.

8. PRIVACY POLICY.

Company respects the privacy of visitors to our site. Please take a few minutes to review our Privacy Policy by continuing below.

9. REPORTING VIOLATIONS OF AUP

Company requests that anyone who believes that there is a violation of this AUP direct the information to its legal department at: customerservice@consumerassistancelaw.com.
In making this report, please provide the following information if it is available: (1) the IP address used to commit the alleged violation; (2) the date and time of the alleged violation; (3) evidence of the alleged violation.

In response to any complaint, Company may take any one or more of the following actions: (1) issue written or verbal warnings; (2) suspend services; (3) terminate services without notice; (4) bring legal action to enjoin violations and/or to collect damages, if any caused by the violation; (5) such other actions in the sole discretion of Company.

10. MISCELLANEOUS.

Any failure to insist upon or enforce performance of any provision in this Policy will not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice will act to modify any provision in this Policy and Agreement. Company may assign its rights and duties under these terms to any party at any time without notice to you. If any provision of this Agreement is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and conditions so that it does not affect the validity and enforceability of any remaining provisions.

11. PRICING AND DELIVERY POLICY.

Should you choose to hire Consumer Assistance Law to represent you, a consultation must be made with one of our attorneys. This consultation will be free of charge. As all cases are different, the fee or charge for services will be determined on a case-by-case basis, but in all cases said fee will be reasonable and customary for similar services.

Services shall only be provided in the case that payment is received by Consumer Assistance Law. In the absence of payment pursuant to the agreed upon terms, Consumer Assistance Law is not representing you in any capacity. Once payment is received and posted, the representation relationship commences immediately. Said relationship shall continue until either party notifies the other in writing that they wish to terminate said relationship pursuant to the terms of the contract between the parties. For our Foreclosure Defense process, fees will be determined on a case-by-case basis following an initial consultation with authorized staff members. Client shall pay an initial retainer fee to the Law Firm which will be determined after said consultation. This sum will be paid at time of signing the retainer agreement. Client may also be responsible to pay a monthly fee while the Law Firm is providing representation. All monthly fees paid are for the previous months work and shall be considered earned as the monthly fee is paid.

12. REFUND POLICY

A client may cancel their agreement without any penalty or obligation within 3 business days following the date the agreement is signed. In that case, any fees collected shall be refunded with ten business days. After the 3 business day period, a client may still cancel the agreement at any time and such client will receive a refund within ten business days of cancellation for any unearned fees paid. Any questions regarding this AUP should be directed to customerservice@consumerassistancelaw.com

E-mails containing forged or falsified information in the header (including sender name and routing information), or any other forged or falsified information.

Privacy Policy

This Privacy Policy governs your use of this web site and any content, products or services made available from or through this website including any sub domains thereof (“Web Site”). The Website is made available by Consumer Assistance Law hereafter referred to as (“Company”).

By visiting this Web Site and requesting information, products or services offered on or through this Web Site, you agree to the terms of this Privacy Policy, as they may be amended from time to time. As Company updates or expands its Web Site, services or products, this Privacy Policy may change and the changes are effective upon posting. Please check back frequently for updates as it is your sole responsibility to be aware of changes. Company does not provide notice of changes in any manner other than by posting the changes at this Web Site. This Privacy Policy is incorporated into, and part of, the Web Site Terms and Conditions of use (“Terms of Use”), which governs your use of this Web Site in general. This Web Site is intended for users who are located in the United States of America. The Privacy Policy shall be interpreted under the laws of the United States.

Purpose of the Privacy Policy.

The purpose of this Policy is to describe the information collection, use, and dissemination practices of Company, its parent, subsidiaries and registered d/b/a companies (Collectively Referred herein after as “Company”) and all related websites owned or registered to Company and applies to Company’s collection, use, storage and disclosure of information by Company on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various Third Party websites, and (c) to Company’s other information collection, including the acquisition of customer information from third parties. Company is not responsible for the information collection or privacy practices of third party websites or applications.

By reference, this Privacy Policy is incorporated into and is subject to the Terms of Use pertaining to the use of the website. Your use of the website and any personal information you provide via the website or through other official Company contact remains subject to this Privacy Policy as well as the applicable Terms and Conditions for use of the site or services and products contained thereon.
By providing us with your personal information on our website or in the course of using our services, you consent to the transfer of your Personal Data and Sensitive Personal Data, and any other data we acquire about you from third-party service providers. Information Collection, Use, and Dissemination practices. This policy applies to Company’s collection, use, storage and disclosure of information by Company on its, (a) websites, including all its parent companies, divisions, subsidiaries and related companies (collectively, the “Websites”), (b) on various third party websites, and (c) to Company’s other information collection, including the transfer of opt-in customer lists from third parties, or the use of customer opt-in lists from third parties. Company is not responsible for the information collection or privacy practices of third party websites or applications.

1. Collection of Information.

1.1. User Direct Information. Each time you transmit information via the Website, Company may obtain and collect personally identifiable information provided by you, including, but not limited to, your name, email address, mailing address, social security number, credit card information, and telephone or cell phone number. You may also provide us with information that, when combined with personally identifiable information, provides us with a better idea of who you are, including but not limited to your gender, birthday, marital status, and education level (collectively referred to as “personal information”). If you choose to access our website, use our services or purchase our products, we may require you to provide personal information as indicated on the forms throughout the site.

1.2. Survey Information. Company may collect information from you when you voluntarily complete a Company survey, order form, or a registration page either online by using the internet, offline by providing this information through the mail, in person or using a telephone. This information may be collected by surveys, order forms, or registration pages operated by third parties. This method of collection is collectively known as a “Survey”. In such Surveys, Company or a third party may ask you to provide personal identifiable information including your name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time. Company may also collect such information concerning you from another source and uses that information in combination with information provided from the Websites. Completing the Surveys is completely voluntary, and you are under no obligation to provide Survey Information to Company or a third party.

1.3. Third Party Information. Company may collect information from you when you provide information to a third party and Company subsequently acquires or uses the information provided by the third party. Such information may include, but is not limited to, your name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information you may have provided to the third party. When acquiring this information, Company seeks assurances from the third party that you agreed to provide and have such information acquired by Company. If you did not give express permission, or you would like to remove your permission, you may suppress all of your information by sending notification to us at customerservice@consumerassistancelaw.com

1.4. Other Methods of Collecting Personal Information. Other occasions when Company obtains information from you include (1) your claiming a prize or seeking to redeem an offer by Company or by a third party, (2) your requests for assistance through Company’s customer service department, and (3) when you voluntarily subscribe to a Company service or newsletter.

1.5. Cookies, Web Beacons, and Other Info Collected Using Technology. Company currently uses cookie and web beacon technology to associate certain Internet-related information about you with information about you in its database. Additionally, Company may use other new and evolving sources of information in the future.

(a) Cookies. “Cookies” are a feature in your browser software. If enabled, we may write cookies that may store small amounts of data on your computer about your visit to any of the pages of this Site. Cookies assist us in tracking which of our features appeal the most to you and what content you may have viewed on past visits. When you visit this site again, cookies can enable us to customize our content according to your preferences. We may use cookies to: keep track of the number of return visits to this site; accumulate and report aggregate, statistical information on website usage; deliver specific content to you based on your interests or past viewing history; save your password for ease of access to our Site. You can disable cookies, although the Site may not function properly for you. Your browser preferences can be modified to accept or reject all cookies, or request a notification when a cookie is set. You may read more about cookies at http://cookiecentral.com. In order to use all of the features and functionality of Company’s websites, you need to accept cookies.

(b) Web Beacons. A web beacon is a programming code that can be used to display an image on a web page, but can also be used to transfer your unique user identification to a database and associate you with previously acquired information about an individual in a database. This allows Company to track certain websites you visit. Web beacons are used to track online behavioral habits for marketing purposes to determine products or services you may be interested in. In addition to using web beacons on web pages, Company also uses web beacons in email messages sent to individuals listed in Company’s database.

(c) IP Addresses. Company automatically tracks certain information based upon your behavior on the site. We may use this information to do internal research on our users’ demographics, interests, and behavior to better understand, protect and serve you and our community. This information may include the URL that you just came from (whether this URL is on the site or not), which URL you next go to (whether this URL is on the site or not), your computer browser information, and your IP address. Your Internet Protocol (“IP”) is a unique Internet “address” which is assigned to you by your Internet Service Provider (“ISP”). For local area network (“LAN”), DSL, or cable modem users, an IP address may be permanently assigned to a particular computer. IP addresses are automatically logged by Web servers, collecting information about a user’s traffic patterns. While the IP address does not identify an individual by name, it may, with the cooperation of the ISP, be used to locate and identify an individual using the Web. Your IP address can, however, reveal what geographic area you are connecting from, or which ISP you are using. Finally, other websites you visit have IP addresses, and we may collect the IP addresses of those websites and their pages.

(d) Computer Profiles. Company may also collect and accumulate other anonymous data which will help us understand and analyze the Internet experience of our visitors. For instance, Company may accumulate visitor data relating to referring domain names, the type of browsers used, operating system software, screen resolutions, color capabilities, browser plug-ins, language settings, cookie preferences, search engine keywords and JavaScript enablement. When you provide us with Personal Identification Information, we are able to use such visitor data to identify you.

(e) Data Analysis. Data Analysis technology may be employed from time to time if used by a Client of Company.

(f) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly developing. As a result, Company strongly encourages individuals to revisit this policy for any updates regarding its use of new technology.

1.6. No Information Collected from Children. Company will never knowingly collect any personal information about children under the age of 13. If Company obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from its database. Because it does not collect such information, Company has no such information to use or to disclose to third parties. Company has designed this policy in order to comply with the Children’s Online Privacy Protection Act (“COPPA”).

1.7. Credit Card Information. Company may, in certain instances, collect credit card numbers and related information when an individual places an order from Company. When the credit card information is submitted to Company, such information is encrypted and is protected with SSL encryption software. Company will use the credit card information for purposes of processing and completing the purchase transaction, and the credit card information will be disclosed to third parties only as necessary to complete the purchase transaction.

2. Use of Individual Information.

2.1 General Use. The following paragraphs in Section 2 describe how Company currently uses Individual Information, but Company may change or broaden its use at any time. As noted below, Company may update this policy from time to time. Company may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

2.2. Email and Unsubscribe Policy. Company uses Individual Information to provide other businesses promotional offers by email to individuals. Company may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Company’s email lists, a person must send an email to customerservice@consumerassistancelaw.com.

Company’s unsubscribe process impacts only the future delivery of electronic mailings disseminated by Company on its own behalf. You may still receive electronic mailings sent on behalf of Third Parties and your personal information may still be shared with Third Parties for use in offline marketing and data appends, including email appends. You should also note that unsubscribing from Company’s electronic mailings will not automatically unsubscribe the subscriber’s information from any Third Party business associates and licensees of the data. Since Third Party associates and licensee partners maintain separate databases from Company, and you will need to unsubscribe from each source individually, if desired. This allows you the freedom to pick and choose which subscriptions to maintain and which to discontinue.

2.3. Content of Email Messages. You may receive certain commercial email messages sent by third parties for products which may be of interest to you. In such case, an Advertiser’s name will appear in the “From:” and Replying to such email may send the message to that Advertiser. The “Subject:” line of the email messages will usually contain a line provided from the Advertiser. As such, if you wish to unsubscribe from any third party emails please notify us by sending an email to customerservice@consumerassistancelaw.com.

2.4. Solicited Email. Company only sends email to individuals who have agreed on the Websites to receive email from Company or to individuals who have agreed on a Third Party website to receive email from Third Parties. As such, Company does not send unsolicited email messages. As a result, United States statutes requiring certain formatting for unsolicited email are not applicable to Company’s email messages.

2.5. Targeted Advertising. Company may use Individual Information to target advertising to an individual. When an individual is using the Internet, Company uses Technology Information to associate an individual with that person’s Individual Information, and Company attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Company may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.

2.6. Telemarketing. Company may use Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones. You may have your telephone number or cell phone number listed on a state or federal do not call registry. By registering and using this Site, You are waiving your rights and privileges under these laws and expressly giving permission of Company and any agent of Company the right to contact you by telephone or cell phone. Further, if you are residing outside the United States, by registering and using this Site, You acknowledge that the processing of your individual information may involve the transfer of such Individual information from within or outside the European Economic Area (“EEA”) to countries within or outside the EEA whose data protection regulation may not be as stringent as that within the European Union. We may use individual information to provide the services you’ve requested, including services that display customized content and advertising.

2.7. Wireless Addresses. If the e-mail address you provide to Company is a wireless e-mail address, you agree to receive messages at such address from Company or its business associates (unless and until you have elected not to receive such messages by following the instructions in the unsubscribe portion of this policy). You understand that your wireless carrier’s standard rates apply to these messages. You represent that you are the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges.

2.8. Short Message Service. Company may make available a service through which you can receive messages on your wireless device via short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard messaging rates apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Company will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. Company may also obtain the date, time and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.

You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

Company may use personal information to provide the services you’ve requested, including services that display customized content and advertising. Company may also use personal information for auditing, research and analysis to operate and improve our technologies and services. Company may share aggregated and non personal information with third parties business associates. When Company uses business associates to assist Company in processing your personal information, Company requires that they comply with our Privacy Policy and any other appropriate confidentiality and security measures. Company may also share information with third parties, including but not limited to, when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.

You may remove your information from Company’s database. If you remove your information from Company’s database it will no longer be used by Company for secondary purposes, disclosed to third parties, or used by Company or third parties to send promotional correspondence to you. You may remove your information by sending your request in writing via email to customerservice@consumerassistancelaw.com or by sending “STOP”, “END”, “QUIT” to the SMS text message you have received.

2.9. Use of Technology Information. Company uses Technology Information

(1) To match a person’s Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals.
(2) To track a person’s online browsing habits on the Internet.
(3) To determine which areas of Company’s websites are most frequently visited. This information helps Company to better understand the online habits of individuals so that Company can target advertising and promotions to them.

2.10. Profiles of Individuals. Company uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.

2.11. Storage of Individual Information. Company stores the Individual Information in a database on its’ computers. Company computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Company’s control. Notwithstanding such measures, Company cannot guarantee that its security measures will prevent its computers from being illegally accessed, and the Individual Information on them stolen or altered.

3. Other Use of Personal Information.

Company may use your personal information in the following ways:

3.1. Public Forums. When you contribute to a public area or feature of our Web Site, such as a chat room, bulletin board, list serve, blog, wiki or other open forum that we may make available on or through our Web Site, the information that you submit will be made available to the general public and will not be considered “Personal Information” for purposes of this Privacy Policy. For this reason, we recommend that you do not submit any sensitive information, including your full name, home address, phone number, other information that would enable other users to locate you or your financial information on these areas of our Web Site. Instead, make up a username that does not disclose your personal identity.

3.2. Third Party Offers. Company may make customer lists available to companies or other entities not affiliated with the Company that have goods, services and offers that might be of interest to you. Company may, from time to time, provide your Personal Information to these entities so that they may send you these offers.

3.3. Marketing. Company will use your personal information for any marketing and survey purpose on behalf of Company and its affiliates and subsidiaries to send information to you about additional goods or services that may be of interest to you. In addition, Company will disclose your personal information to third party agents and independent contractors to help us conduct our marketing and survey efforts and to share with other companies in connection with marketing efforts including but not limited to direct marketing. You may have no relationship with these other companies.

3.4. Co-sponsored Contests, Sweepstakes and Offerings. Company may provide a contest, sweepstake and other offering may be co-sponsored by another company. In those situations, the information we obtain from you in connection with such contest, sweepstake or offering may be shared with our co-sponsor. In those situations, our co-sponsors will have the right to use your information for their own purposes, in accordance with their own policies. If you do not wish for the information we obtain from you to be shared with our co-sponsor, then do not enter such contest, sweepstake or other offering or otherwise provide to us any Personal Information in connection with such contest, sweepstake or other offering. We are not responsible for how our co-sponsors may use your information.

3.5. Service Providers. We may use third parties to help operate our Web Site and deliver products and services, and may share your Personal Information with our affiliates, service providers and other third parties that provide products or services for or through this Web Site or for our business (such as Web Site or database hosting companies, address list hosting companies, e-mail service providers, analytics companies, distribution companies, fulfillment companies, and other similar service providers that use such information on our behalf). Unless otherwise stated, these companies do not have any right to use the Personal Information we provide to them beyond what is necessary for them to assist us. When you conduct e-commerce with one of the e-commerce affiliates or service providers to which the Web Site may be linked, certain personal information such as your e-mail and home address may be collected by the service provider’s server and made available to us.

3.6. Aggregate Statistics. We may disclose aggregate statistics regarding user behavior as a measure of interest in, and use of, our Web Site and e-mails to third parties in the form of aggregate data, such as overall patterns or demographic reports that do not describe or identify any individual user.

3.7. Complying with Legal Process. Company will use or disclose your personal information in response to subpoenas, court orders, warrants, or legal process, or to otherwise establish or exercise our legal rights or defend against legal claims or in the event you violate or breach an agreement with Company. Company will use and disclose your personal information if we believe you will harm the property or rights of Company , its owners, or those of Company ‘s other customers. Finally, we will use or disclose your personal information if we believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Company’s acceptable use policy, or as otherwise required by law when responding to subpoenas, court orders and other legal processes.

3.8. Order Fulfillment. Company will transfer your personal information to third parties when necessary to provide a product or service that you order from such third party while using Company’s websites or when responding to offers provided by Company.

3.9. Data Summary. Company may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

3.10. Third Parties. Company may provide your personal information to third parties with whom they have a business relationship for the purposes of securing the services and products you have requested or provide you with additional marketing materials from which you may choose additional products or services.

4. Privacy Practices of Third Parties.

4.1. Advertiser cookies and web beacons. Advertising agencies, advertising networks, and other companies who place advertisements on the websites and on the internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Company does not control the use of such technology and Company has no responsibility for the use of such technology to gather information about you.

4.2. Links. The websites and email messages sometimes contain hypertext links to the websites of third parties. Company is not responsible for the privacy practices or the content of such other websites. Linked websites may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. Company does not operate or control in any respect any information, software, products or services available on such third party websites. The inclusion of a link to a website does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

4.3. Affiliations/Merger/Sale. Company further reserves the right to disclose, transfer or sell your personal information to companies who are affiliated with Company in Company’s sole discretion. If Company changes ownership through an acquisition, merger, sale or other change of business status, it reserves the right to transfer or assign the right to use your Personal Information collected from the Website.

5. Foreign use of the Website.

To the extent that you are accessing the Website while domiciled outside of the United States, you acknowledge that the Personal Information you are providing Company is collected and stored in the United States and therefore consent to the transfer of information to and storage of the information outside of your domiciled country and in the United States.

6. California User Consumer Rights.

California Civil Code Section 1798.83 permits California residents who have provided PII to Consumer Assistance Law or third parties in list management arrangements to request certain information regarding Consumer Assistance Law‘s disclosure of PII to third parties for their direct marketing purposes. Within thirty days of receiving such a request, we will provide a list of the categories of PII disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year. We reserve our right not to respond to requests submitted other than to the address specified in this section. California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov. For more information about protecting your privacy, you may wish to visit: http://www.ftc.gov

If you have questions about this policy, please contact us at: customerservice@consumerassistancelaw.com

or write us at:

Consumer Assistance Law

3111 N University Drive

Suite 406

Coral Springs, FL 33065

Phone:

954 448 7989 /
888 340 0780

Notification to us at

customerservice@consumerassistancelaw.com

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