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Terms of Use
Last Updated: June 15, 2022


KnowFully Learning Group, its affiliates and subsidiaries (collectively, “KnowFully Learning,” “we,” “us,” or “our”) welcome you. We invite you to access and use the websites owned or controlled by KnowFully Learning, including but not limited to the websites for brands owned or controlled by KnowFully Learning (collectively, the “Websites” and each, a “Website”), our continuing education platform (the “Platform”), our mobile applications, which are accessible through tablets, smart phones, and other devices (collectively, the “Apps” and each, a “App”), and products and services that are made available through the Websites, the Platform, and the Apps (the “Services”), subject to the following terms and conditions (“Terms of Use”). BY BROWSING THE PUBLIC AREAS OF ANY OF THE WEBSITE, ACCESS AND/OR USING THE PLATFORM, THE APP AND/OR THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE LEGALLY BOUND BY THESE TERMS OF USE AND THE TERMS AND CONDITIONS OF OUR PRIVACY POLICY (THE “PRIVACY POLICY”), WHICH ARE HEREBY INCORPORATED INTO THESE TERMS OF USE AND MADE A PART HEREOF BY REFERENCE (COLLECTIVELY, THE “AGREEMENT”). IF YOU DO NOT AGREE TO ANY OF THE TERMS IN THE AGREEMENT, YOU MAY NOT ACCESS OR USE THE WEBSITES, THE PLATFORM, THE APP, AND/OR THE SERVICES.


We reserve the right, at our sole discretion, to modify, discontinue, or terminate any of the Website, the Platform, the App, the Services, or to modify the Agreement, at any time and without prior notice. If we modify the Agreement, we will post the modification on the Websites, the Apps and the Platform. By continuing to access or use any of the Website, the Platform, the App and/or the Services after we have posted a modification on the Website, the Platform, the App and/or the Services, you are indicating that you agree to be bound by the modified Agreement. If the modified Agreement is not acceptable to you, your only recourse is to cease using the Websites, the Platform, the App and the Services.


If you accept or agree to the Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or other legal entity to the Agreement and, in such event, “you” and “your” will refer and apply to that company or other legal entity.


Capitalized terms not defined in these Terms of Use shall have the meaning set forth in our Privacy Policy.


THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.


1. DESCRIPTION AND USE OF SERVICES


We provide end-to-end professional education in the accounting, finance and healthcare sections. We provide some of our Services to you on a subscription basis (“Subscription”).


We provide Visitors with access to the Websites, and Registered Users with access to the Services as described below.


Visitors. Visitors, as the term implies, are people who do not register with us, but want to explore the Websites. No login is required for Visitors. Visitors can: (i) view all publicly-available content on the Websites; and (ii) e-mail us.


Registered Users. Login is required for all Registered Users. Registered Users can do all things that Visitors can do, and can also use the Platform and the Services.


We are under no obligation to accept any individual as a Registered User, and may accept or reject any registration in our sole and complete discretion.


2. LICENSE TO USE THE APP


KnowFully Learning hereby grants you a limited, non-exclusive, non-transferable license to download and install a copy of the mobile App on a single mobile device that you own or control and to run such copy of the App solely for your own personal use. Furthermore, with respect to any App accessed through or downloaded from the Apple, Inc. (“Apple”) application store (“Apple App”), you will use the Apple App only: (i) on an Apple-branded product that runs iOS (Apple’s proprietary operating system software); and (ii) as permitted by the “Usage Rules” set forth in the App Store Terms of Service. We reserve all rights in and to the App not expressly granted to you under these Terms of Use.


3. TERMS AND CONDITIONS FOR OUR STREAMING SERVICES


From time to time, we may offer streaming Services (“Streaming Services”) on a Subscription basis. For the avoidance of doubt, Streaming Services shall be considered as Services for the purposes of these Terms of Use. A Registered User that subscribes to the Streaming Services is referred to in this Section 3 as a “Subscriber.” If Subscriber has entered into a Streaming Services agreement with us (“Streaming Services Agreement”), then the terms and conditions of that Streaming Services Agreement shall govern your access to and use of our Streaming Services. In the absence of a Streaming Services Agreement, the following terms govern your access to and use of our Streaming Services. These terms are in addition to all other terms contained in these Terms of Use:


i. Grant of Rights. Subject to the terms and conditions of this Agreement, KnowFully Learning hereby grants Subscriber, and (if applicable) any authorized educators, employees, administrators and students (“Users”), for the term of this Agreement, a limited, non-exclusive, terminable, non-transferable license to download and stream the content made available through our Streaming Services (“Streaming Services Content”) pursuant to the terms and conditions set forth in these Terms of Use. We may, in our sole discretion, make changes to the Streaming Services Content, including but not limited to adding and/or removing video titles or other content, adding closed-captioning, and implementing new encoding rates. All rights not expressly granted to you and Users pursuant to this Agreement are reserved to KnowFully Learning, and all uses of the Streaming Services Content by you and Users not expressly permitted hereunder are prohibited.


ii. Individual Streaming. Allows a single Subscriber to watch streaming videos through the Streaming Services. If you are purchasing the video for use by more than one person you will need to purchase videos with a group license (see Section iii). Access to the videos may be terminated if Subscriber is found to be in violation of these terms and conditions, or upon the termination of the Streaming Services.


a. Video Stream Purchases


Allows a single Subscriber to add streaming videos to their account with no further commitment. Videos added this way remain in the Subscriber’s account indefinitely.


b. Video Stream Memberships


Allows a single Subscriber to access multiple streaming videos through the Streaming Services. Subscribers’ credit cards will be automatically charged at the beginning of each membership cycle.


1. Choice Plan


Allows a single Subscriber to access a personalized selection of streaming videos through the Streaming Services. Choice Plan Subscribers are allowed to add two streaming videos from the Streaming Services to their account every 30 days. Videos added through the Choice Plan will remain in the Subscriber’s account as long as the Subscriber continues to subscribe to the Choice Plan (e.g. after three months on the program a Subscriber will have six videos in their account).


2. Unlimited Plan


Allows a single Subscriber to access the entire video library that is made available through the Streaming Services. Access to the full library will continue as long as the membership is active.


iii. Group Streaming. Allows one Subscriber, and all Users under the Subscribers account, to watch streaming videos through the Streaming Services. All persons viewing the Streaming Services Content in a group setting (such as a classroom) must be authorized Users. Group license streaming videos can be purchased individually or as a collection and will last for the amount of time indicated on the Subscription. The price of a group license is based on the number of Users connected to the license. We monitor Subscriber/User usage levels and reserve the right to terminate access to Subscribers who, in our sole opinion, have more Users accessing the Streaming Services Content than are allowed. It is the responsibility of the Subscriber to notify us if the number of Users associated with their account changes.


iv. Permitted and Prohibited Uses.


a. Downloading of Streaming Services Content. Subscriber/Users may download the instructor manuals for any videos included in their Subscription. Such downloading shall be for Subscriber/User convenience only, and Subscriber/Users may not (1) systematically download any of the Streaming Services Content, (2) create distribution “libraries”, or (3) transfer, sell, rent, display, or exhibit any of the Streaming Services Content to any third party who is not also a Subscriber/User.


b. Dissemination of Streaming Services Content. In the course of using any Streaming Services Content as permitted hereunder, Subscriber and/or its Users may not make the Streaming Services Content, or any part thereof, available to any party who is not a Subscriber or a User.


c. Prohibited Uses. Except as expressly set forth herein, neither Subscriber nor the Users may (i) copy, reproduce, alter, modify, transmit, perform, create derivative works of, publish, sub-license, distribute, or circulate the Streaming Services Content, or any portion thereof; (ii) disassemble, decompile, or reverse engineer the Streaming Services Content or any portion thereof, or use a robot, spider, or any similar device to copy or catalog the Streaming Services Content or any portion thereof; (iii) take any actions, whether intentional or unintentional, that may circumvent, disable, damage or impair the Streaming Services Content’s control or security systems, nor allow or assist a third party to do so; or (iv) use the Streaming Services Content in a manner that disparages the Streaming Services Content or us, or in any manner that we may, in its sole discretion, deem inappropriate.


v. Compatible Devices. In order to be able to stream or download the Streaming Services Content from the Streaming Services and to view Streaming Services Content through the Streaming Services, you will need to use a personal computer, portable media player, or other device that meets the system and compatibility requirements that we establish from time to time and is otherwise capable of interacting with the Streaming Services (each such device, a “Compatible Device”). We may change the requirements for Compatible Devices from time to time and, in some cases, whether a device is (or remains) a Compatible Device may depend on software or systems provided or maintained by the device manufacturer or other third parties. As a result, devices that are Compatible Devices at one time may cease to be Compatible Devices in the future.


vi. Video Quality. When you stream the Streaming Services Content, the resolution and quality of the Streaming Services Content you receive will depend on a number of factors, including the type of Compatible Device on which you are streaming the Streaming Services Content and your bandwidth, which may go up and down over the course of your viewing. If we detect that the Streaming Services Content we are streaming to you may be interrupted or may otherwise not play properly due to bandwidth constraints or other factors, we may decrease the resolution and file size of the Streaming Services Content we stream to you in an effort to provide an uninterrupted viewing experience. While we strive to provide you a high quality viewing experience, we make no guarantee as to the resolution or quality of the Streaming Services Content you will receive when streaming.


4. USE OF PERSONAL INFORMATION


Your use of the Websites, the Platform, the App and/or the Services may involve the transmission to us of certain personal information. Our policies with respect to the collection and use of such personal information are governed according to our Privacy Policy (located at https://chirocredit.com/pages/policies.php which is hereby incorporated by reference in its entirety.


5. ELIGIBILITY


The Websites, the Platform, the Apps and the Services are available for individuals aged 18 years or older. If you are under 18 years of age, please do not use the Websites, the Platform, the Apps and the Services. If you are 18 or older, but under the age of majority in your jurisdiction, you should review this Agreement with your parent or guardian to make sure that you and your parent or guardian understand it.


6. COMMUNITY GUIDELINES


KnowFully Learning’s community, like any community, functions best when its people follow a few simple rules. By accessing and/or using the Websites, the Platform, the Apps and/or the Services, you hereby agree to comply with these community rules and that:


• You will not use the Websites, the Platform, the Apps or the Services for any unlawful purpose, including any fraudulent activity, or to engage in any commercial activities, including, without limitation, raising money; advertising or promoting a product, service, or company; or engaging in any pyramid or other multi-tiered marketing scheme;


• You will not access or use the Websites, the Platform, the Apps or the Services to collect any market research for a competing businesses;


• You will not upload, post, e-mail, transmit, or otherwise make available any content that:


a. infringes any copyright, trademark, or other proprietary rights of any person or entity; or b. is threatening, tortious, defamatory, libelous, indecent, obscene, pornographic, invasive of another’s privacy, or promotes violence; or c. discloses any personal information about another person, including that person’s name, e-mail address, postal address, phone number, credit card information, or any similar information;


• You will not “stalk,” threaten, or otherwise harass another person;


• You will not impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity;


• You will not cover, obscure, block, or in any way interfere with any advertisements and/or safety features (e.g., report abuse button) on the Websites, the Platform, the Apps and the Services;


• You will not use automated means, including spiders, robots, crawlers, data mining tools, or the like to download or scrape data from the Websites, directly or indirectly, except for Internet search engines (e.g., Google) and non-commercial public archives (e.g., archive.org) that comply with our robots.txt file;


• You will not create multiple accounts for yourself for any reason, including, without limitation, in order to obtain the same promotion multiple times;


• You will not interfere with or attempt to interrupt the proper operation of the Websites, the Apps, the Platform or the Services through the use of any virus, device, information collection or transmission mechanism, software or routine, or access or attempt to gain access to any data, files, or passwords related to the Website, the Platform or the Services through hacking, password or data mining, or any other means; and


• You will not take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our technical infrastructure.


We reserve the right, in our sole and absolute discretion, to deny you access to the Websites, the Platform, the Apps or the Services, or any portion of the Websites, the Platform, the Apps or the Services, without notice.


7. INTELLECTUAL PROPERTY


The Websites, the Platform, the Apps and the Services contain material, such as software, text, graphics, images, sound recordings, audiovisual works, and other material provided by or on behalf of KnowFully Learning (collectively referred to as the “Content”). The Content may be owned by us or by third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement. No other use is permitted without prior written consent from us. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of the Content on any other website or in a networked computer environment for any purpose is expressly prohibited.


If you violate any part of this Agreement, your permission to access and/or use the Content, the Websites, the Platform and the Services automatically terminates and you must immediately destroy any copies you have made of the Content.


The trademarks, service marks, and logos of KnowFully Learning (“KnowFully Learning Trademarks”) used and displayed on the Websites, the Platform, the Apps and the Services are registered and unregistered trademarks or service marks of KnowFully Learning. Other company, product, and service names located on the Websites, the Platform, the Apps and the Services may be trademarks or service marks owned by others (the “Third-Party Trademarks”, and, collectively with KnowFully Learning Trademarks, the “Trademarks”). Nothing on the Websites, the Platform, the Apps, and the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of KnowFully Learning Trademarks inures to our benefit.


Elements of the Websites, the Platform, the Apps, and the Services are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including but not limited to the use of framing or mirrors. None of the Content may be retransmitted without our express, written consent for each and every instance.


8. REGISTRATION


In order to access and use of Services, you will have to create an account as a Registered User. During the registration process, you will have to provide your email address (“Sign-In Name”), password (“Password”), and perhaps certain additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”). When creating your account, you must provide true, accurate, current, and complete information. Each Sign-In Name and corresponding Password can be used by only one user. You are responsible for the confidentiality and use of your Sign-In Name, Password, and Unique Identifiers. You will promptly inform us of any need to deactivate a Password or Sign-In Name, or change any Unique Identifier. We reserve the right to delete or change your Password, Sign-In Name, or Unique Identifier at any time and for any reason. You represent and warrant that the information you provide to us during the account creation and at all other times will be true, accurate, current, and complete.


9. FEES, PAYMENTS AND AUTOMATIC RENEWALS


You agree to pay all applicable fees, including but not limited to, Subscription fees. We may use a third party payment vendor (“Third-Party Payment Processor”) to process your payment of fees. You warrant and represent that you are the valid owner or an authorized user, of the credit card or other payment card to such Third Party Payment Processor, and that all information you provide is accurate. If payment is not received from your credit card issuer or any other payment facility, you hereby agree to pay all amounts due upon demand. You agree to pay all costs of collection, including attorney’s fees and costs, on any outstanding balance.


IT IS IMPORTANT TO NOTE THAT WHEN YOU SIGN UP FOR A SUBSCRIPTION (MONTHLY, ANNUALLY, OR OTHERWISE), YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNTIL YOU CANCEL IT. YOU MAY CANCEL AT ANY TIME BY NOTIFYING US IN WRITING NO LATER THAN TEN (10) DAYS BEFORE THE NEXT UPCOMING RENEWAL, AND THE CANCELLATION WILL TAKE EFFECT THE FOLLOWING MONTH. AGAIN, IF YOU DO NOT CANCEL, THEN YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW UNDER THE SAME SUBSCRIPTION.


We reserve the right to change any of the fees that we charge, or to institute new or additional fees, at any time upon notice to you.


10. REFUNDS AND CANCELLATIONS


If we process refunds and cancellations, we will process them in accordance with our refund and cancellation policy available on our Website.


11. USER GENERATED CONTENT


From time to time, we may allow you to post reviews, comments, or similar materials on the Websites, the Platform, the Apps and/or the Services (collectively, the “User Generated Content”). We cannot and do not review it all -- we are merely acting as a passive conduit for distribution of the User Generated Content to other users of our Websites. That said, we may remove User Generated Content that violates the terms of this Agreement, or that is offensive or otherwise unacceptable to us in our sole discretion.


You expressly acknowledge and agree that once you submit User Generated Content to your account, it will be accessible by other users of the Websites, the Platform, the Apps and the Services and that there is no confidentiality or privacy with respect to such User Generated Content, including, without limitation, any personal information that you may make available. YOU, AND NOT KNOWFULLY LEARNING, ARE ENTIRELY RESPONSIBLE FOR ALL YOUR USER GENERATED CONTENT THAT YOU UPLOAD, POST, E-MAIL, OR OTHERWISE TRANSMIT VIA THE WEBSITES, THE PLATFORM, THE APPS AND/OR THE SERVICES.


You retain all copyrights and other intellectual property rights in and to the User Generated Content. You do, however, hereby grant us a non-exclusive, royalty-free, sublicensable, transferable, perpetual license to modify, compile, combine with other content, copy, record, synchronize, transmit, translate, format, distribute, publicly display, publicly perform, and otherwise use or exploit your User Generated Content as reasonably necessary to provide the Websites, the Platform, the Apps and the Services.


If you submit User Generated Content to us, each such submission constitutes a representation and warranty to KnowFully Learning that such User Generated Content is your original creation (or that you otherwise have the right to provide the User Generated Content), that you have the rights necessary to grant the license to the User Generated Content under the prior paragraph, and that it and its use by KnowFully Learning and its content partners as permitted by this Agreement does not and will not infringe or misappropriate the intellectual property or moral rights of any person or contain any libelous, defamatory, or obscene material or content that violates the terms of this Agreement.


12. FEEDBACK


We welcome and encourage you to provide feedback, comments, and suggestions for improvements to the Website and our services (“Feedback”). Although we encourage you to e-mail us, we do not want you to, and you should not, e-mail us any content that contains confidential information. With respect to any Feedback you provide, we shall be free to use and disclose any ideas, concepts, know-how, techniques, or other materials contained in your Feedback for any purpose whatsoever, including, but not limited to, the development, production and marketing of products and services that incorporate such information, without compensation or attribution to you.


13. ACCESSING AND DOWNLOADING THE APP FROM ITUNES


The following terms apply to any Apple App. These terms are in addition to all other terms contained in these Terms of Use:


• You acknowledge and agree that (i) these Terms of Use are concluded between you and KnowFully Learning only, and not Apple, and (ii) KnowFully Learning, not Apple, is solely responsible for the App and content thereof. Your use of the App must comply with the App Store Terms of Service.


• You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.


• In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. As between KnowFully Learning and Apple, any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of KnowFully Learning.


• You acknowledge that, as between KnowFully Learning and Apple, Apple is not responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to: (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.


• You acknowledge that, in the event of any third party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, as between KnowFully Learning and Apple, KnowFully Learning, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms of Use.


• You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.


• You acknowledge and agree that Apple, and Apple’s subsidiaries, are third party beneficiaries of these Terms of Use as related to your license of the App, and that, upon your acceptance of the terms and conditions of these Terms of Use, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms of Use as related to your license of the App against you as a third party beneficiary thereof.


• Without limiting any other terms of these Terms of Use, you must comply with all applicable third party terms of agreement when using the App.


14. NO WARRANTIES; LIMITATION OF LIABILITY


THE WEBSITES, THE PLATFORM, THE APPS, THE SERVICES, AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND NEITHER KNOWFULLY LEARNING NOR ITS SUPPLIERS MAKE ANY WARRANTIES WITH RESPECT TO THE SAME OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, AND KNOWFULLY LEARNING HEREBY DISCLAIMS ANY AND ALL EXPRESS, IMPLIED, OR STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, ERROR-FREE OR UNINTERRUPTED OPERATION, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.


IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) WE SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE WEBSITES, THE PLATFORM, THE APPS, AND/OR THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (II) ANY DIRECT DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE WEBSITES, THE PLATFORM, THE APPS AND/OR THE SERVICES SHALL BE LIMITED TO THE GREATER OF TOTAL FEES PAID BY YOU TO US IN THE IMMEDIATELY PRECEEDING THREE (3) MONTH PERIOD OR ONE HUNDRED DOLLARS ($100).


SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. THEREFORE, SOME OF THE ABOVE LIMITATIONS ON WARRANTIES IN THIS SECTION MAY NOT APPLY TO YOU.


NOTHING IN THESE TERMS OF USE SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU.


THE WEBSITES, THE PLATFORM, THE APPS AND THE SERVICES MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMISSIONS. UNLESS REQUIRED BY APPLICABLE LAWS, WE ARE NOT RESPONSIBLE FOR ANY SUCH TYPOGRAPHICAL OR TECHNICAL ERRORS LISTED ON THE WEBSITES, THE PLATFORM, THE APPS AND THE SERVICES. WE RESERVE THE RIGHT TO MAKE CHANGES, CORRECTIONS, AND/OR IMPROVEMENTS TO THE WEBSITES, THE PLATFORM, THE APPS AND THE SERVICES AND/OR ADD OR REMOVE CONTENT AT ANY TIME WITHOUT NOTICE.


15. EXTERNAL SITES


The Websites, the Platform, the Apps and the Services may contain links to third-party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the Website administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.


16. INDEMNIFICATION


You will indemnify, defend, and hold KnowFully Learning and its shareholders, members, officers, directors, employees, agents, and representatives (collectively, “KnowFully Learning Indemnitees”) harmless from and against any and all damages, liabilities, losses, costs, and expenses, including reasonable attorney’s fees (collectively, “Losses”) incurred by any KnowFully Learning Indemnitee in connection with a third-party claim, action, or proceeding (each, a “Claim”) arising from (i) your breach of this Agreement; (ii) your misuse of the Website, the Platform, the Apps, the Services, or the Content; (iii) your violation of any third-party right, including without limitation any copyright, trademark, property, or privacy right; or (iv) your negligence, gross negligence, willful misconduct, fraud, misrepresentation or violation of law; provided, however, that the foregoing obligations shall be subject to our: (i) promptly notifying you of the Claim; (ii) providing you, at your expense, with reasonable cooperation in the defense of the Claim; and (iii) providing you with sole control over the defense and negotiations for a settlement or compromise.


17. COMPLIANCE WITH APPLICABLE LAWS


The Websites, the Platform, the Apps and the Services are based in the United States. We make no claims concerning whether the Websites, the Platform, the Apps and the Services may be viewed or be appropriate for use outside of the United States. If you access the Websites, the Platform, the Apps and the Services from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.


18. TERMINATION OF THE AGREEMENT


We reserve the right, in our sole discretion, to restrict, suspend, or terminate the Agreement and/or your access to all or any part of the Websites, the Platform, the Apps and/or the Services, at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Websites, the Platform, the Apps and/or the Services at any time without prior notice or liability.


19. DIGITAL MILLENNIUM COPYRIGHT ACT


Reporting Claims of Copyright Infringement We respect the intellectual property rights of others and attempt to comply with all relevant laws. We will review all claims of copyright infringement received and remove any content deemed to have been posted or distributed in violation of any such laws. Our designated agent under the Digital Millennium Copyright Act (the “Act”) for the receipt of any Notification of Claimed Infringement which may be given under that Act is as follows:


Knowfully Learning Group
201 N. King of Prussia Rd
Suite 370
Radnor, PA, 19087
Attn: Copyright Agent
Phone: 610-994-9604
Email: wadiakd@knowfully.com


If you believe that your work has been copied on any of the Website and/or the App in a way that constitutes copyright infringement, please provide our agent with notice in accordance with the requirements of the Act, including (i) a description of the copyrighted work that has been infringed and the specific location on the Website and/or the App where such work is located; (ii) a description of the location of the original or an authorized copy of the copyrighted work; (iii) your address, telephone number and e-mail address; (iv) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; (v) a statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and (vi) an electronic or physical signature of the owner of the copyright or the person authorized to act on behalf of the owner of the copyright interest.


Counter-Notification Procedures If you believe that material you posted on any of the Website and/or the App was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (a “Counter-Notice”) by submitting written notification to our copyright agent (identified above). Pursuant to the Act, the Counter-Notice must include substantially the following: (i) your physical or electronic signature; (ii) an identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled; (iii) adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address); (iv) a statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; (v) a statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Website and/or the App may be found) and that you will accept service from the person (or an agent of that person) who provided the Website with the complaint at issue.


The Act allows us to restore the removed content if the party filing the original notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.


Please be aware that if you knowingly materially misrepresent that material or activity on the Website and/or the App was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the Act.


20. BINDING ARBITRATION


In the event of a dispute arising under or relating to this Agreement or any other products or services provided by us (each, a “Dispute”), such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”). NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION. ARBITRATION IS DIFFERENT FROM COURT, AND DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by JAMS pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration. As set forth in Section 21 below, nothing in this Agreement will prevent us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.


21. CLASS ACTION WAIVER


You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.


22. EQUITABLE RELIEF


You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. You hereby irrevocably and unconditionally consent to the personal and subject matter jurisdiction of the federal and state courts in the State of Pennsylvania for purposes of any such action by us.


23. CONTROLLING LAW; EXCLUSIVE FORUM


The Agreement and any action related thereto will be governed by the laws of the State of Pennsylvania without regard to its conflict of laws provisions. The Parties hereby consent and agree to the exclusive jurisdiction of the state and federal courts located in the State of Pennsylvania for all suits, actions, or proceedings directly or indirectly arising out of or relating to this Agreement, and waive any and all objections to such courts, including but not limited to, objections based on improper venue or inconvenient forum, and each party hereby irrevocably submits to the exclusive jurisdiction of such courts in any suits, actions, or proceedings arising out of or relating to this Agreement.


24. MISCELLANEOUS


If the Agreement is terminated in accordance with the termination provision in Section 17 above, such termination shall not affect the validity of the following provisions of this Agreement, which shall remain in full force and effect: “Intellectual Property,” “User Generated Content,” “Feedback,” “No Warranties; Limitation of Liability,” “Indemnification,” “Compliance with Applicable Laws,” “Termination of the Agreement,” “Controlling Law; Exclusive Forum,” and “Miscellaneous.”


Our failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. Except as expressly agreed by us and you in writing, the Agreement constitutes the entire agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.


Copyright 2022 KnowFully Learning Group. All rights reserved. Apple, the Apple logo, iPad, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.


Privacy Policy
Last Updated: June 15, 2022



KnowFully Learning Group, its affiliates and subsidiaries (collectively, “KnowFully Learning,” “we,” “us,” or “our”) have created this privacy policy (this “Privacy Policy”) because we know that you care about how information you provide to us is used and shared. This Privacy Policy describes the information collection and use practices of KnowFully Learning in connection with all the websites owned or controlled by KnowFully Learning, including but not limited to the websites for brands owned or controlled by KnowFully Learning (collectively, the “Websites” and each, a “Website”), our continuing education platform (the “Platform”), our mobile applications, which are accessible through tablets, smart phones, and other devices (collectively, the “Apps” and each, a “App”), and products and services that are made available through the Websites and the Platform (the “Services”). Description of Users and Acceptance of Terms


This Privacy Policy applies to visitors to the Website, who view only publicly-available content (“Visitors”), and individuals who have signed up to access and use our Platform, App and/or Services (“Registered Users”).


By visiting any of our Website, you are agreeing to the terms of this Privacy Policy and the accompanying Terms of Use.


By access and/or using the Platform, App and/or Services or otherwise manifesting assent to this Privacy Policy, each Subscriber is agreeing to the terms of this Privacy Policy, and the accompanying Terms of Use.


Capitalized terms not defined in this Privacy Policy shall have the meaning set forth in our Terms of Use.


Table of Contents

The Information We Collect and/or Receive
    1. Contact Information
    2. Billing Information
    3. CE Information
    4. Geolocational Information
    5. Other Information
The Information Collected by or Through Third-Party Advertisers/Remarketers
Text Messages
How We Use Your Information
How We Share Your Information
Information Collected Through the Websites that is Not Covered by this Privacy Policy
Accessing and Modifying Personal Information and Communication Preferences
Security of Your Information
Links to Third-Party Sites
Children’s Privacy
DO NOT TRACK
Important Notice to All Non-U.S. Residents
Notice to California Residents
Notice to Nevada Residents
Changes to Our Privacy Policy and Practices
Contact Us

The Information We Collect and/or Receive

In the course of operating our Websites, the Platform and the Apps, providing the Services and/or interacting with you, we will collect (and/or receive) the following types of information.

1. Contact Information

When you contact us or our customer support team via the Website, the Platform, or the App, email or by mail, when you call us, or when you sign up to receive our newsletter, you will be asked to provide certain information which may include your name, email address, and phone number (collectively, the “Contact Information”). The Contact Information is used to provide the requested service or information and to contact you for purposes of direct marketing of our current and future products and services. If you would like to use the App, you will need to download the App from the Apple, Google Play or any other app store through which the App is made available to you.

2. Billing Information

In order to subscribe to or use our Services, you will be required to provide certain additional information which may include a credit card number, expiration date, billing zip code, activation code, bank information, and similar information (“Billing Information”). Such Billing Information will be collected and processed by our Third Party Payment Processor pursuant to the terms and conditions of their privacy policies and terms of use. We do not directly obtain, store or process any Billing Information.

3. CE Information

When Registered Users register for an account on the Platform or the App, in addition to providing Contact Information and a username and password, you will also be asked to provide your birthday, name of your employer, and your professional credentials and license number (collectively, the “CE Information”). Such CE Information is used to create your account and administer and keep track of your CE credits.

4. Geolocational Information

We may automatically collect geolocation information from your device via your browser’s location services. You may provide permission for this collection on the device level (e.g., you have consented to location services generally through your browser’s settings) or by accepting our request for geolocation access on the Services. Please consult your browser’s documentation regarding how to turn off location services. If you disable location services, you may not be able to use the full array of features and functionalities available through our Services.

5. Other Information

In addition to the Contact Information, CE Information, and Geolocational Information, we may collect or receive the following additional information ('Other Information'):


• From Your Activity. In an ongoing effort to improve the Websites, the Platform, the Apps, and the Services, we automatically collect certain information when you visit the Website, the Apps, and/or access or use our Platform or Services. This information includes but shall not limited to, IP addresses, browser type and language, referring and exit pages and URLs, date and time, amount of time spent on particular pages, what sections of the Website and the App you visit, and similar information concerning your use of the Website, the App, the Platform and the Services; information about a mobile device, including universally unique ID (“UUID”), App type and version (e.g., iOS or Android), carrier and country location, hardware and processor information (storage, chip speed, camera resolution, NFC enabled, and network type (WiFi, 2G, 3G, 4G) (“Activity Information”).

• From Cookies. We also collect Activity Information by using “cookie” technology. Cookies are small packets of data that a website stores on the hard drive of your computer or mobile device to “remember” information about your visit. We may use session cookies (which expire once you close your web browser) and persistent cookies (which stay on your computer/device until you delete them). If you do not want us to place a cookie on your hard drive, you may be able to turn that feature off on your computer or mobile device. Please consult your Internet browser’s documentation for information on how to do this and how to delete persistent cookies. However, if you decide not to accept cookies from us, the Websites, the Platform, and the Services may not function properly.

• Third-Party Analytics. We may use one or more third–party analytics services to evaluate your use of the Websites, the Platform, the Apps, and the Services, compile reports on activity (based on their collection of IP addresses, Internet service provider, browser type, operating system and language, referring and exit pages and URLs, data and time, amount of time spent on particular pages, what sections of the Website, the App and the Platform you visit, number of links clicked while on the Website, the App, and the Platform, search terms and other similar usage data), and analyze performance metrics. These third parties use cookies and other technologies to help analyze and provide us the data. By accessing and using any of the Website, the Platform, the App and/or the Services, you consent to the processing of data about you by these analytics providers in the manner and for the purposes set out in this Privacy Policy. Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Websites, the Apps, the Platform or the Services.

Below is a list of analytics providers that we use; however, such list may be subject to change based on how we wish to understand the user experience and we will endeavor to update it diligently. You may use the accompanying links to learn more about such providers and, if available, how to opt-out from their analytics collection.

For Google Analytics, please visit: https://www.google.com/analytics
For HubSpot, please visit: https://legal.hubspot.com/privacy-policy

The Information Collected by or Through Third-Party Advertisers/Remarketers

We may share Other Information about you with third parties that we have selected and approved for ad distribution and ad optimization (defined as the tailoring, targeting (i.e., behavioral, contextual, and retargeting), analyzing, managing, reporting, and optimizing of ads). These third parties may use cookies, pixel tags (also called web beacons or clear gifs), and/or other technologies to collect Other Information for such purposes. Pixel tags enable us and these third-party advertising companies to recognize a browser’s cookie when a browser visits the site on which the pixel tag is located in order to learn which advertisement brings a user to a given site. In addition, we may receive Other Information from advertisers and/or their service providers such as advertising identifiers, IP addresses, and post-conversion data. You may choose to opt-out of this type of tracking and sharing of information at any time by selecting the specific partners you wish to exclude from this website http://www.aboutads.info/choices. You can also limit this type of tracking through the Do Not Track functionality in your web browser and a “Limit Ad Tracking” setting on iOS devices or a setting to “Opt out of Interest-Based Ads” on Android.

By accessing and using the Website, the Platform, the App, and/or the Services, you consent to the processing of data about you by these advertisers/remarketing providers in the manner and for the purposes set out in this Privacy Policy. For more information on these third parties, including how to opt out from certain data collection, please visit the sites below. Please note that this list may be subject to change based on the campaigns that we run.

For Google Ads, please visit: https://policies.google.com/technologies/ads?hl=en-US
For Brainlabs, please visit: https://www.brainlabsdigital.com/privacy-policy/
For Facebook Ads, please visit: https://www.facebook.com/help/568137493302217
For LinkedIn Ads, please visit: https://www.linkedin.com/help/linkedin/answer/62931/manage-advertising-preferences?lang=en
For Microsoft Ads, please visit: https://account.microsoft.com/privacy/ad-settings/signedout
For AddShoppers, please visit: https://www.addshoppers.com/privacy

Text Messages

You may elect to receive SMS text messages from us regarding the continuing education programs that you have registered to attend, and/or continuing education programs that you may find of interest. These messages may use information automatically collected based on your actions while on our Websites, Platform and/or our Services and may prompt messaging such as reminders regarding the program, changes in dates/times, and requests for program reviews. To the extent you voluntarily opt to have SMS notifications sent directly to your mobile phone, we receive and store the information you provide, including your telephone number or when you read a text message. By opting-in to receive SMS text messages from us, you acknowledge that messaging and data rates may apply depending on your phone service provider. You may opt out of receiving SMS text messages at any time by texting “STOP” in response to the text messages you receive or by changing your notification and communication preferences in the Platform. However, by opting-out of receiving text messages, you may not be able to use full functionality of the Platform and Services.

How We Use Your Information

We use your information to provide our Websites, the Apps, the Platform and the Services to you, and to operate our business. These business services include:

Service-Related Usage. We use your information to provide and support the Websites, the Apps, the Platform, as well as to provide the Services to you, such as: Communicating with you and website visitors, soliciting your feedback, and informing you about our products and services. We may also send email to the email address you provide to us to verify your account and for informational and operational purposes, such as account management, customer service, or system maintenance.

 • Analyzing and Improving the Websites, the Platform, the Apps and the Services. We may run calculations, aggregate, normalize, clean, and make derivative works of the information obtained about you in order to
    o Understand and analyze usage trends and preferences;
    o Monitor and analyze the effectiveness of the Services;
    o Improve the Services and develop new products, services, features, and functionality; and
    o Test the Services and our infrastructure to make sure the Services are working correctly.

 • Marketing: As permitted by applicable law, we may use your information for marketing purposes, such as informing you about our products and services and those of our third-party marketing partners that could be useful, relevant, valuable, or otherwise of interest to you. We may also use aggregated information (which does not identify you personally) for marketing purposes. Where required under applicable law, we will obtain your prior opt-in consent to send you electronic marketing communications.

How We Share Your Information

We may share transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances:


 • To provide our Websites, Apps, Platform and Services to you and to assist us running our business. We may engage other companies and individuals to perform certain business-related functions on our behalf. Examples may include providing shipping, name and address verification, marketing, order fulfillment, email distribution, market research, third party advertising, fraud detection and prevention, promotions management, and payment processing. These other companies will have access to your information only as necessary to perform their functions and to the extent permitted by law. We may also share your information with any of our parent companies, subsidiaries, affiliates, or other companies under common control with us as well as with the brands owned or controlled by us.

 • To better understand and serve our customers. In an ongoing effort to better understand our users, we might analyze your information in aggregate form in order to operate, maintain, manage, and improve the Websites, the Platform, the Apps, and the Services. This aggregate information does not identify you personally. We may share this aggregate data with our affiliates, agents, and business partners. We may also disclose aggregated user statistics in order to describe our products and services to current and prospective business partners and to other third parties for other lawful purposes.

 • As part of the sale or other transfer of our business. As we develop our businesses, we might sell or buy businesses or assets. If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, sale of company assets, or similar corporate event, then your information may be part of the transferred assets.

 • For legal purposes. To the extent permitted by law, we may also disclose your information when required by law, court order, or other government or law enforcement authority or regulatory agency, or whenever we believe that disclosing such information is necessary or advisable, for example, to protect your, our or others rights, property, or safety.

We will take reasonable measures to require that any party receiving any of your information from us undertakes to: (i) retain and use such information only for the purposes set out in this Privacy Policy; (ii) not disclose your information except with your consent, as permitted by law, or as permitted by this Privacy Policy; and (iii) generally protect the privacy of your information. Information Collected Through the Websites, Apps, Platform and Services that is Not Covered by this Privacy Policy.

You may voluntarily post and share information including, but not limited to comments, and reviews through blogs, forums and other similar features available from time to time through the Websites, the Apps, the Platform and the Services. None of the information you provide through the use of these features is protected by this Privacy Policy including any personal information. THIS PRIVACY POLICY DOES NOT APPLY TO ANY INFORMATION (INCLUDING PERSONAL INFORMATION) THAT YOU PROVIDE USING ANY SUCH FEATURES. ALL SUCH INFORMATION IS PUBLIC INFORMATION AND MAY BE VIEWED, COLLECTED, USED, MODIFIED AND/OR DISCLOSED FOR ANY PURPOSE BY US AND THE PUBLIC.

Accessing and Modifying Personal Information and Communication Preferences

You may access, review, and make changes to your personal information by following the instructions found on the Websites, the Platform, the Apps, the Services or by contacting us at info@chriocredit.com. In addition, you may manage your receipt of marketing and non-transactional communications by clicking on the "unsubscribe" link located on the bottom of any our marketing email. You cannot opt out of receiving transactional e-mails related to their account. We will use commercially reasonable efforts to process such requests in a timely manner. You should be aware, however, that it is not always possible to completely remove or modify information in our subscription databases.

Security of Your Information

We take commercially reasonable security measures to ensure that your information is treated securely and is protected from loss, misuse, and unauthorized access, disclosure, alteration, and destruction, taking into account the risks involved in processing and the nature of such data, and in compliance with applicable laws and regulations. Unfortunately, the Internet cannot be guaranteed to be 100% secure, and we cannot ensure or warrant the security of any information you provide to us. In particular, e-mail sent to or from the Websites, the Apps, the Platform, and/or the Services may not be secure, and you should therefore take special care in deciding what information you send to us via e-mail or other electronic means. We do not accept liability for unintentional disclosure of your information.

The Websites, the Apps, the Platform and the Services may, from time to time, contain links to external websites. We encourage you to review the privacy and security policies of any externally linked websites that may be accessed through the Websites, the Apps, the Platform or the Services. We assume no responsibility or liability for the information collection and disclosure practices of any external websites that a user can access through the Websites, the Apps, the Platform or the Services. Please check the privacy policies of these external websites before you submit any personal information to them.

Children’s Privacy

We do not knowingly collect, receive, maintain, or use personal information from children under 18 years of age, and no part of any of the Website, the App, the Platform and/or the Services is directed to children under the age of 18. If you are under the age of 18, please do not provide any personal information through the Websites, the App, the Platform and/or the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce this Privacy Policy by instructing their children to never provide any personal information on the Websites, the Apps, the Platform, the Services, or any other web site without their permission. If you learn that your child has provided us with personal information without your consent, you may alert us at info@chriocredit.com and we will endeavor to delete that information from our databases If we learn that we have collected any personal information from children under 18, we will promptly take steps to delete such information and terminate the child’s account.

DO NOT TRACK

As discussed above, third parties such as advertising networks and analytics providers may collect information about your online activities over time and across different websites when you access or use the Websites, the Apps, the Platform and/or the Services. Currently, various browsers offer a “Do Not Track” option, but there is no standard for commercial websites. At this time, we do not monitor, recognize, or honor any opt-out or do not track mechanisms, including general web browser “Do Not Track” settings and/or signals.

Important Notice to All Non-U.S. Residents

Our servers are located in the United States. Please be aware that your information, including your personal information, may be transferred to, processed, maintained, and used on computers, servers, and systems located outside of your state, province, country, or other governmental jurisdiction where the privacy laws may not be as protective as those in your jurisdiction. If you are located outside the United States and choose to use Websites, the Apps, the Platform, or the Services, you do so at your own risk.

Notice to California Residents

Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of services or products marketed by those third parties. If you wish to submit a request pursuant to Section 1798.83, please contact us via email at info@chriocredit.com.

Notice to Nevada Residents

If you are a resident of Nevada, you have the right to opt-out of the sale of certain personal data to third parties. You can exercise this right by contacting us at info@chriocredit.com with the subject line “Nevada Do Not Sell Request” and providing us with your name and the email address associated with your account. Please note, however, that we do not currently sell your personal information as sales are defined in Nevada Revised Statutes Chapter 603A.

Changes to Our Privacy Policy and Practices.

This Privacy Policy is effective as of the date stated at the top of this Privacy Policy. We may revise this Privacy Policy from time to time, so review it periodically. We will post any changes to the Privacy Policy on the Websites, the Apps, the Platform and/or the Services, and the revised Privacy Policy will be effective when it is posted. By visiting any Website, accessing and/or using any of the App, the Platform and/or the Services after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please refer back to this Privacy Policy on a regular basis.

Contact Us

If you have any questions about this Privacy Policy or to report a privacy issue, please contact us in one of the following ways:

Email: info@chriocredit.com
Or write to us at:
201 N King of Prussia Rd, Suite 370
Radnor, PA 19087