Information Collected through the Service
A. Information You Directly and Voluntarily Provide to Us. If you are a visitor to the Service, we may collect information that you provide to us when you communicate with any of our departments such as customer service or technical services. You may also choose to provide your name and email address to us if you would like to receive additional information about the Service and the products and services that PolicyVault offers. If you sign up to become a registered user of the Service, you will be required to provide certain information as part of the registration process. This information will include but not limited to your first and last name, email address, organization, and position.
Visitors: For visitors of our website and registered users, we log certain information, such as your IP address, browser type and usage data, for example, how much time you spent reading, which documents you access, and which pages you accessed.
Registration: If you choose to register with us, PV may ask you to provide your name, email address and physical address. PV also asks each user to create an account ID and password. PV may ask you to provide demographic information, such as age, gender, interests or occupation to enhance our ability to provide a more personalized experience for users. We may also, via a third-party service, collect credit card information for any paid services or purchases.
Feedback and Chat: We may collect other information when you provide feedback or comments or communicate with others through our systems.
B. Information Automatically Collected Through the Service. We may automatically collect information about you when you use the Service. For example, if you access the Service through a computer, we will automatically collect information such as your browser type and version, computer and connection information, IP address and standard web log information. If you access the Service through a mobile device, we may also be able to identify the location of your mobile device. You may choose not to share your location details with us by adjusting your mobile device’s location services settings. For instructions on changing the relevant settings, please contact your service provider or device manufacturer.
We may automatically collect information from you when you use the Service using “cookies” and other similar technologies, such as web beacons. Cookies are small amounts of data that are stored within your computer’s Internet browser and that are accessed and recorded by the websites that you visit so that they can recognize the same browser navigating online at a later time.
Information that may be collected by cookies when you use the Service may include, without limitation:
the pages you visit within the Service;
the date and time of your visit to the Service;
the amount of time you spend using the Service;
the Internet Protocol (IP) address used to connect your computer to the Internet; and/or
your computer and connection information such as your browser type and version, operating system and platform.
You can set your browser to reject cookies or to notify you when you are sent a cookie. However, if you disable cookies you may not be able to log in to the Service or to use certain features of the Service. To find out more about cookies, including how to see what cookies have been set on your device and how to manage and delete them, visit .
E. Information You Share on Third Party Websites or through Social Media Services. The Service may include links to third party websites and social media services where you will be able to post comments, stories, reviews or other information. Your use of these third-party websites and social media services may result in the collection or sharing of information about you by these third-party websites and social media services. We encourage you to review the privacy policies and settings on the third-party websites and social media services with which you interact to make sure you understand the information that may be collected, used, and shared by those third-party websites and social media services.
How We Use the Information We Collect
We may use the information we collect about you as follows:
A. To understand how the service and our products and services are being used.
B. To customize our Service and provide advertisements, content or features that match your interests.
C. To permit our users to set up an account.
D. To respond to your comments, questions and requests and provide customer service.
E. To send you notices, updates, security alerts and other administrative messages.
F. To communicate with you about products, services, offers and events offered by PolicyVault and others.
G. To process transactions and send you related information.
H. To link or combine with information we get from others to help provide you with better service.
I. To detect, investigate and/or prevent fraudulent, unauthorized or illegal activity.
J. To diagnose problems with our Service.
K. To analyze and monitor how users utilize our Service.
L. To carry out other purposes for which the information was collected.
If you wish to opt-out of receiving these emails from us, please follow the instructions contained in each email you receive from us which will allow you to opt-out of receiving further email marketing communications from us.
Payment Card Information
To use certain aspects of the PolicyVault Service, we may require credit or debit card account information. By submitting your credit or debit card account information through our Service, you expressly consent to the sharing of your information with third party merchants, subscription and billing processors, and payment processors. These third parties may store your credit or debit card account information so you can use our Service in the future. We transmit your credit or debit card account information to these third parties, but do not store such information. We cannot guarantee that transmissions of your credit or debit card account information will always be secure or that unauthorized third parties will never be able to defeat the security measures taken by us or our third-party service providers. We assume no liability or responsibility for disclosure of your information due to errors in transmission, unauthorized third-party access, or other causes beyond our control.
Online Advertising; Tracking
PolicyVault and third-party businesses may use the information collected through the Service using cookies, web beacons, and other similar technologies to help manage online advertising programs. This information may enable us, as well as third-party advertising services and other third-party businesses to track the actions of users online over time and across different web sites or platforms to measure statistics relating to marketing efforts, and to deliver electronic advertisements that may be more relevant to individual consumers and that will improve the consumer experience. For information about how tracking works for online advertising purposes, and what happens when you elect a do-not-track option, visit . In addition, some third-party businesses may provide a mechanism to opt-out of their technology. For more information about the opt-out process, you may visit the Network Advertising Initiative website, available at: .
Do Not Track: Your browser may allow you to adjust your browser settings so that “do not track” requests are sent to the websites that you visit. However, Create & Cultivate will not disable tracking technology that may be active on the Service in response to any “do not track” requests that we receive from your browser.
How We Share Your Information with Third Parties
We do not sell or rent user information we collect through the Service to any third parties for their own marketing purposes. In the event PolicyVault wants to sell or rent your information to third parties for their own marketing purposes in the future, we will notify you and you will have an opportunity to affirmatively opt-in to receiving these third-party marketing communications. PolicyVault does share your information with third parties in some circumstances as follows:
A. Employees, Third-Party Processors and Third-Party Service Providers. We will disclose your information to our employees, contractors, affiliates, distributors, dealers, vendors and suppliers (“Service Providers”) who provide certain services to us or on our behalf, such as operating and supporting the Service, analyzing data, or performing marketing or consulting services. These Service Providers will only have access to the information needed to perform these limited functions on our behalf.
B. Response to Subpoenas or Court Orders or to Protect Rights and to Comply with Our Policies. To the extent permitted by law, we will disclose your information to government authorities or third parties if: (i) required to do so by law, or in response to a subpoena or court order; (ii) we believe in our sole discretion that disclosure is reasonably necessary to protect against fraud, to protect the property or other rights of us or other users, third parties or the public at large; or (iii) we believe that you have abused the Service by using it to attack other systems or to gain unauthorized access to any other system, to engage in spamming or otherwise to violate applicable laws. You should be aware that, following disclosure to any third party, your information may be accessible by others to the extent permitted or required by applicable law.
D. Aggregate Information. We may share information relating to users of the Service with affiliated or unaffiliated third parties on an anonymous, aggregate basis. While this information will not identify you personally, in some instances these third parties may be able to combine this aggregate information with other data they have about you, or that they receive from third parties, in a manner that allows them to identify you personally.
E. Our Affiliates. We may share some or all of your information with our parent company, subsidiaries and corporate affiliates, joint venturers, or other companies under common control with us. If you opt-in to receive marketing communications from third parties, we may permit these entities to use your information for their own marketing purposes. If you would like us to stop providing your information to our affiliates for their own marketing purposes, you may opt-out by emailing us at .
People Under Age 18
The Service is not intended for people under age 18, or for anyone under age 18 or the applicable age of majority without involvement of a parent or guardian. We do not knowingly collect or distribute personal information from or about children under the age of 18.
We implement industry standard security measures intended to protect against the loss, misuse and alteration of the information under our control. Please be aware that no data transmission over the Internet can be guaranteed to be 100% secure. As a result, PolicyVault cannot guarantee or warrant the security of any information you transmit on or through the Service and you do so at your own risk.
Use of Information Outside Your Country of Residence
Accessing, Changing and Managing Your Information
You have the ability to modify your account-specific information, through the edit function on your profile. If you wish to deactivate your PolicyVault Service account, you may do so. Removed information such as your account ID, geolocation information connected to your user ID. In addition, we may retain certain information as required by law, for legitimate business purposes, or as part of our regular retention practices. We may also retain cached or archived copies of information about you. You may also request changes to the user information you have provided to us by contacting us at . Following receipt of a request from you, we will take reasonable steps to update, correct or delete your information as requested.
Special Information for California Residents
Under California Civil Code sections 1798.83-1798.84, also known as the “Shine the Light Law,” any users of the Service who are California residents are entitled to request and receive once a year, free of charge, a notice from us describing what categories of personal customer information (if any) we shared with third parties, including our corporate affiliates, for their direct marketing purposes during the preceding calendar year. If applicable, the notice will identify the categories of information that we shared, and the names and addresses of the third parties and affiliates with which we shared your information. If you are a California resident and would like to request a copy of this notice, please submit a written request to the following address: 20002 or by email at . In your request, please specify that you want a “California Privacy Rights Notice.” Please allow at least thirty (30) days for a response.
How to Contact Us
Affirmative Representations Regarding Your Use of the Service
When you use the Service, you represent that: (a) the information you submit is truthful and accurate; (b) your use of the Service does not violate any applicable laws or
User Registration and Accounts
You can visit and browse the Service without becoming a registered user of the Service, but you will not be able to sign up for or receive emails through the Service, unless you are a registered user of the Service. You can sign up to become a registered user of the Service by completing the registration process using the sign-up Lightbox on our website. If you sign up to become a registered user of the Service, you agree: (i) to provide true, accurate, current and complete information about yourself as prompted by the Service’s registration form (the “Registration Data”); and (ii) to maintain and promptly update the Registration Data to keep it true, accurate, current and complete.
Prohibited Activities; Social Media Guidelines
A. Prohibited Activities. You agree that in connection with your use of the Service, you will not:
(i) use the Policyvault name, logo, trademark or branding in a way that confuses people about your affiliation or relationship with Policyvault;
(ii) use the Service for purposes of advertisements or solicitations for jobs or employment, or otherwise use the Service to hire any person to perform work, including, without limitation, posting advertisements or solicitations for modeling jobs or talent or talent scouting positions on the Service;
(iii) use the Service for any unauthorized purpose including collecting usernames and/or email addresses of other users by electronic or other means for the purpose of sending unsolicited email or other electronic communications, or engaging in unauthorized framing of, or linking to, the Service without our express written consent;
(iv) transmit chain letters, bulk or junk email or interfere with, disrupt, or create an undue burden on the Service or the networks or services connected to the Service, including without limitation, hacking into the Service, or using the system to send unsolicited or commercial emails, bulletins, comments or other communications;
(v) impersonate any other person or entity, provide false or misleading identification or address information, or invade the privacy, or violate the personal or proprietary right, of any person or entity;
(vi) use the Service in connection with any franchise, pyramid scheme, “club membership,” distributorship or sales representative agency arrangement or other business opportunity which requires an up-front or periodic payment, pays commissions, or requires recruitment of other members, sub-distributors or sub-agents;
(vii) decompile, disassemble, modify, translate, adapt, reverse engineer, create derivative works from or sublicense the Service, or any portion thereof; or
(viii) circumvent, disable or otherwise interfere with security related features of the Service or features that prevent or restrict use or copying of any Materials (as defined in Section 6) or enforce limitations on use of the Service or the Materials on the Service.
B. Social Media Guidelines. If you access or use any of the Policyvault social media pages on Facebook, Pinterest, Twitter, Instagram or YouTube, or post any reviews or comments regarding your use of the Service on these social media services or other third-party websites, we ask you to follow the following guidelines:
(i) Please be polite and courteous. Bullying, name-calling, profanity, or anything that does not contribute to the Policyvault conversation of encouragement, gruesome language or the like, are not acceptable.
(ii) Please verify that all information submitted is accurate and factual. Negative comments and complaints posted by you could be construed as claims about Policyvault or an individual and may be subject to libel laws and other legal claims.
(iii) We would like to hear about your complaints or concerns regarding the Service before you share them publicly with others so that we can help resolve them for you. If you are a user and have a customer service comment, complaint, concern or idea, please email us at .
Our Intellectual Property Rights
All materials on the Service, including without limitation, logos, documents, images, text, illustrations, audio and video files are protected by copyrights, trademarks, service marks, or other proprietary rights which are owned by or licensed to us and are subject to copyright and other intellectual property rights under United States and foreign laws and international conventions. The Service and the Materials are for your information and personal use only and not for commercial exploitation. We reserve all rights in and to the Service and the Materials. If you download or print a copy of the Materials for your own personal use, you must retain all trademark, copyright and other proprietary notices contained in and on the Materials.
Commercial Exploitation herein refers to as:
Reproduction of our contents which includes but not limited to documents, logos, images, illustrations, texts on third-party websites or any service without authorization
Our Management of the Service; User Misconduct
B. Interactions with other Users. Please choose carefully the information you share through the Service and that you give to other users of the Service. You assume all risks associated with dealing with other users with whom you come in contact through the Service.
D. No Third-Party Beneficiaries. You agree that, except as otherwise provided in these Terms of
Third Party Sites
The Service may contain links to websites operated by third parties (“Third Party Sites”), and you may be able to share information with Third Party Sites through links on the Service; however, we do not own or operate the Third Party Sites, and we have not reviewed, and cannot review, all of the material, including goods or services, made available through Third Party Sites. The availability of these links on the Service does not represent, warrant or imply that we endorse any
Third Party Sites or any materials, opinions, goods or services available on them. Third party materials accessed through or used by means of the third-party sites may also be protected by copyright and other intellectual property laws.
Privacy; Consent to Electronic Communications
Fees and Payment
a. Paid Services. Some portions of the PV Service may have fees associated with them (each, a "Paid Service"). You will have the opportunity to review and accept the fees that you will be charged before using a Paid Service. We may change fees for any portion of the Site at any time.
b. Free Trial. PV may make available a 14-day trial for a Paid Service without charge to you ("Free Trial"). You may be required to enter a Payment Method (defined below) in order to register for a Free Trial. The applicable Paid Service will automatically commence, and your Payment Method will be charged in accordance with Section (d), at the end of the Free Trial unless you log into your account and cancel the Paid Service before the end of the Free Trial.
c. Payment Information. You are solely responsible for paying all fees and applicable taxes associated with your PV Service account in a timely manner with a valid payment method. By electing to purchase or otherwise use a Paid Service, you authorize PV or its third party payment processors to charge the credit card or other payment method identified by you ("Payment Method"), which you represent and warrant that you are authorized to use, all applicable fees for that Paid Service, including all applicable taxes. For purchases of one-time Paid Services (i.e., not subscriptions), your Payment Method will be billed for that Paid Service on the date that you make the purchase.
d. Subscriptions. For purchases of subscriptions to Paid Services:
1. Your "Subscription Billing Date" is the date when you purchase your first subscription to a Paid Service. For example, if you purchase your first subscription to a Paid Service on January 10th: (1) your Subscription Billing Date for your first monthly subscription and all other monthly subscriptions you purchase is the 10th of each month, (2) your Subscription Billing Date for your first annual subscription is January 10th of each year, and (3) your Subscription Billing Date for all subsequent purchases of annual subscriptions will be the next soonest 10th monthly calendar day after your date of purchase. Your Payment Method will be charged automatically on the Subscription Billing Date all applicable fees for the next month or year, as applicable.
2. For any subscription to a Paid Service that you purchase after your Subscription Billing Date is established, your Payment Method will first be charged a pro-rata amount of the subscription fee for the number of days between the purchase date and the applicable Subscription Billing Date. Your Payment Method will then be charged the full periodic subscription fee for the next month or year, as applicable, on each Subscription Billing Date thereafter (or on the last day of the calendar month, if the last day of the calendar month occurs before the Subscription Billing Date for that month).
e. Termination of Subscriptions. For any subscription to a Paid Service, that subscription will continue unless and until you cancel your subscription or we terminate it. You must cancel your subscription before it renews in order to avoid billing of the next period's (i.e., month’s or year’s) subscription fees to your Payment Method. We will bill the periodic subscription fee to the Payment Method you provide to us during registration (or to a different Payment Method if you change your account information).
f. Third Parties and Fee Collection. You acknowledge and agree that any credit card and related billing and payment information that you provide to the Site may be shared by the Site with companies who work on PV’s behalf, such as payment processors or credit agencies, solely for the purpose of checking credit, effecting payment to the Site and servicing your account. The terms of your payment will be based on your chosen Payment Method and may be determined by agreements between you and the financial institution providing such Payment Method. For certain Payment Methods, the issuer of your Payment Method may charge you a foreign transaction fee or related charges. Check with your bank and credit card issuers for details. If your Payment Method for any Paid Service fails or your account is past due, (i) you agree to pay all amounts due on your PV account upon demand, (ii) PV may collect fees owed using other collection mechanisms (this includes charging other payment methods on file with us) and (iii) PV reserves the right to either suspend or terminate your access to one or more PV Services or your account with PV. Upon any such termination, you will remain obligated to pay all outstanding fees and charges relating to your account and your use of the PV Service before termination.
g. Refunds. Any fees charged to your account are non-refundable except as expressly stated in these Terms. You agree to submit any dispute regarding any charge to your account in writing to PV within thirty (30) days of the charge, otherwise that dispute will be waived, and the charge will be final and not subject to challenge. Refunds (if any) made pursuant to a dispute, are at the discretion of PV.
h. Taxes. You are responsible for paying any governmental taxes imposed on your use of the Site, including sales, use, or value added taxes. If requested, you will promptly furnish to the Site the applicable receipts or certificates regarding such remittances as soon as reasonably practicable. To the extent that PolicyVault is obligated to collect such taxes, PV will charge your Payment Method or otherwise add the applicable to your billing account.
Warranty Disclaimer; Limitation on Liability
A. Disclaimer of Warranties
You agree that your use of the Service will be at your sole risk. To the fullest extent permitted by law, we and each of our advertisers, licensors, suppliers, officers, directors, investors, managers, members, partners, affiliates, employees, agents, service providers and other contractors disclaim all warranties, express or implied, in connection with the Service and your use
(ii) To the extent permitted by applicable law, we make no warranties or representations about the accuracy, reliability, timeliness or completeness of the Service’s content, the content of any site linked to the Service, or information or any other items or materials on the Service or linked to by the Service. We assume no liability or responsibility for any (a) errors, mistakes or inaccuracies of content and materials, (b) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Service, (c) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein, (d) any interruption or cessation of transmission to or from the Service, (e) any bugs, viruses, Trojan horses, or the like, which may be transmitted to or through the Service by any third party, and/or (f) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted or otherwise made available through the Service.
C. Exceptions to Disclaimers and Liability Limitations. Some states or jurisdictions do not allow the limitation or exclusion of certain warranties, or the exclusion or limitation of certain damages. If you reside in one of these states or jurisdictions, the limitation or exclusions in Sections 9(A) and 9(B) may not apply to you.
You hereby agree, at your expense, to indemnify, defend and hold harmless, Policyvault, its officers, directors, investors, members, managers, partners, affiliates, employees, agents, service providers and other contractors from and against any loss, cost, damages, liability and/or expense, including reasonable attorney fees, arising out of or relating to third party claims, actions or allegations brought against Policyvault arising out of your use of the Service. You will not be required to indemnify and hold Policyvault harmless from and against any claims, liabilities, damages, losses, or expenses resulting from Policyvault own negligent conduct.
Legal Disputes and Arbitration Agreement
Please Read This Following Clause Carefully – It May Significantly Affect Your Legal Rights, Including Your Right to File a Lawsuit in Court
A. Initial Dispute Resolution. We are available by email at to address any concerns you may have regarding your use of the Service. Most concerns may be quickly resolved in this manner. Each of you and Policyvault agree to use best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations which shall be a precondition to either party initiating a lawsuit or arbitration.
B. Agreement to Binding
arbitrator shall be empowered to grant whatever relief would be available in a
court under law or in equity. The arbitrator’s award shall be in writing and provide a statement of the essential findings and conclusions, shall be binding on the parties and may be entered as
The JAMS rules governing the arbitration may be accessed at If you initiate arbitration, to the extent the filing fee for the arbitration exceeds Two Hundred and Fifty U.S. Dollars ($250.00), we will pay the additional cost. If we are required to pay the additional cost of the filing fees, you should submit a request for payment of fees to JAMS along with your form for initiating the arbitration, and we will make arrangements to pay all necessary fees directly to JAMS. We will also be responsible for paying all other arbitration costs arising in connection with the arbitration other than costs incurred by you for legal counsel, travel and other out-of-pocket costs and expenses not constituting fees or amounts payable to JAMS. You will not be required to pay fees and costs incurred by Policyvault if you do not prevail in arbitration.
The parties understand that, absent this mandatory provision, they would have the right to sue in court and have a jury trial. They further understand that, in some instances, the costs of arbitration could exceed the costs of litigation and the right to discovery may be more limited in arbitration than in court.
C. Class Action and Class Arbitration Waiver. You and Policyvault each further agree that any arbitration shall be conducted in your respective individual capacities only and not as a class action or other representative action, and you and Policyvault each expressly waive your respective right to file a class action or seek relief on a class basis. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for
any reason or that an arbitration can proceed on a class basis, then the arbitration provision set forth above in Section 11(B) shall be deemed null and void in its entirety and the parties shall be deemed to have not agreed to arbitrate disputes.
D. Exception - Small Claims Court Claims. Notwithstanding the parties’ agreement to resolve all disputes through arbitration, either party may seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction.
E. 30 Day Right to Opt Out. You have the right to opt-out and not be bound by the arbitration and class action waiver provisions set forth in Sections 11(B), 11(C), and 11(D) by sending written notice of your decision to opt-out to the following email: . The notice must be sent within thirty (30) days of registering to use the Service, otherwise you shall be bound to arbitrate disputes in accordance with the terms of those sections. If you opt-out of these arbitration provisions, we also will not be bound by them.
Notice to New Jersey Users
Truth-in-Consumer Contract, Warranty and Notice Act.
Notice to California Users
Under California Civil Code Section 1789.3, users located in California are entitled to the following consumer rights notice: If a user has a question or complaint regarding the Service, please send an email to team@policyvault. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
Notice to International Users
The Service is controlled and operated by Policyvault from its offices in the United States and Nigeria. We do not make any representations that the Service or any Materials are available or appropriate for use in your location. You agree to comply with all local rules applicable to you regarding user conduct on the Internet and acceptable content. You also agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.
No Modifications by Our Employees
Severance and Waiver
parties relating to the subject matter hereof and supersedes all prior understandings, proposals, agreements, negotiations, and discussions between the parties, whether written or oral.