Terms of Use / Customer Agreement for Lead Buyers
These Terms and Conditions ("Agreement") govern your use of the services provided by PanAtlantic Global Holdings ("Company"), a company registered in Nevis. By completing a purchase of life insurance sales leads or using our services, you ("Customer") acknowledge and agree to be bound by this Agreement, including any policies and procedures referenced herein.]
For purposes of this Agreement, the following definitions apply:
"Leads" refers to the life insurance sales leads provided by the Company to the Customer." Services" refers to the sale and delivery of life insurance sales leads by the Company."Claim" includes any demand, action, or legal proceeding brought against the Company."
Dispute" refers to any disagreement, argument, or controversy between the Company and the Customer."Judgment" refers to any court decision or arbitral award against the Company resulting from the Customer’s actions."Damages" includes any financial or non-financial harm suffered by the Company, including lost profits, reputational harm, or penalties."Fines" refers to any financial penalties imposed by a government or regulatory authority due to the Customer’s actions.
The services provided by the Company involve the sale and delivery of life insurance sales leads ("Leads") to the Customer. Leads will be delivered digitally. The Company reserves the right to change the prices of Leads at any time without prior notice. Modification of Services: The Company reserves the right to modify, discontinue, or suspend the services offered without prior notice. Any modification to the service will not affect orders that have already been processed unless otherwise stipulated by the Company.
By completing a purchase or using the services provided by the Company, the Customer acknowledges and agrees to these Terms and Conditions, and such acknowledgment constitutes a binding agreement. The Customer further agrees that the use of the services provided shall be deemed an affirmative acceptance of this Agreement in its entirety.
Exclusive Leads provided by the Company are exclusive to the purchasing agent for a period of up to seven (7) days from the date of delivery. After this period, the Lead is no longer considered exclusive and may be redistributed to other agents or clients. The Customer agrees that the exclusivity period is intended to provide a reasonable opportunity to engage with the Lead, and any claim related to exclusivity must be made within this seven (7) day period.
The Company utilizes third-party companies to fulfill various aspects of its services, including payment processing and order fulfillment. The Customer acknowledges and agrees that certain third-party companies, such as ImaliCo Insurance Agency, LLC ("ImaliCo"), may be used to process payments and distribute Leads. The Customer fully indemnifies and holds harmless the Company, its employees, contractors, affiliates, and any third-party companies used in the fulfillment of services from any and all legal claims globally.Data Sharing: The Customer acknowledges that the Company may share personal information with third-party service providers to facilitate the provision of services. This may include payment processors, data storage providers, and other relevant service providers necessary for the delivery of Leads. The Company will take reasonable measures to ensure that any third-party service providers adhere to applicable privacy laws.
The Customer agrees to comply with all applicable federal, state, and local laws, regulations, and rules, including but not limited to the Telephone Consumer Protection Act (TCPA), the Do Not Call (DNC) Registry rules, the CAN-SPAM Act, and all privacy and data protection laws relevant to their use of the Leads provided by the Company.The Customer specifically acknowledges the following:
a. Do Not Call (DNC) Compliance:
The Customer agrees to scrupulously adhere to all DNC regulations, including ensuring that any Leads provided by the Company are checked against the national and state DNC lists before any outbound communication is made. The Customer assumes full responsibility for compliance with these regulations and agrees to manage any DNC requests from consumers, including ensuring that any consumer who requests not to be contacted again is added to the Customer’s internal DNC list and that no further contact is made.
b. Consent to Contact: The Customer acknowledges that it is their responsibility to ensure that all communications with Leads are made with the proper legal consent as required by applicable laws. The Customer agrees not to use the Leads in any manner that would violate consent requirements, including but not limited to contacting individuals who have not provided express consent to be contacted for marketing purposes. The Customer also agrees to honor any opt-out requests immediately and to notify the Company if any Lead has revoked consent to be contacted.c. Record-Keeping:
The Customer agrees to maintain accurate records of all communications with Leads, including the basis for any consent obtained, in compliance with applicable laws. These records must be retained for at least three (3) years from the date of last contact or as required by law. The Customer agrees to provide these records to the Company or any regulatory authority upon request.
d. No Misrepresentation:
The Customer agrees not to misrepresent their identity, the nature of their business, or the purpose of their communication with Leads provided by the Company. The Customer is solely responsible for ensuring that all representations made to Leads are truthful, accurate, and compliant with applicable laws.
e. Indemnification for Compliance Violations:
The Customer agrees to fully indemnify, defend, and hold harmless the Company, its employees, contractors, affiliates, and any third-party companies involved in the fulfillment of services from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to the Customer's non-compliance with any laws or regulations, including but not limited to TCPA, DNC rules, and privacy laws. This indemnification extends to acts of negligence, gross negligence, intentional misconduct, and fraud by the Customer, their agents, or affiliates.
The Customer agrees to indemnify, defend, and hold harmless PanAtlantic Global Holdings, its affiliates, subsidiaries, third-party service providers, including but not limited to ImaliCo Insurance Agency, LLC ("ImaliCo"), as well as the Company’s managers, employees, contractors, agents, and MJ Harris, also known as Malcolm Harris, from any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to the Customer's use of the services, including any claims related to the payment processing and distribution of Leads. Global
Legal Liability Disclaimer: The Customer acknowledges that they are purchasing Leads for use within their own jurisdiction and are responsible for ensuring that the Leads comply with local laws and regulations, including but not limited to consumer protection, privacy, and marketing laws. The Company disclaims any responsibility for non-compliance outside of the jurisdiction of Nevis, and the Customer indemnifies the Company for any claims arising from the use of Leads in any jurisdiction.
All payments for Leads must be made through the Company’s designated payment processors. The Customer agrees that they will not be entitled to a refund unless there is a documented error on the part of the Company that necessitates a refund. In the event that the Customer creates a debt with the Company, the Company reserves the right to collect that debt through collection agencies, credit collection companies, and legal firms in any jurisdiction.
Late Payments: If the Customer fails to make payments on time, interest will accrue on the outstanding amount at a rate of 1.5% per month or the highest rate allowed by law, whichever is lower, starting from the due date until the balance is paid in full. Debt Acceleration Clause: In the event of a material breach of this Agreement by the Customer, including but not limited to failure to comply with compliance requirements or payment terms, all outstanding amounts owed to the Company shall become immediately due and payable without notice or demand.
The Customer agrees to maintain the confidentiality of all information related to the Company’s services and business practices. The Customer also agrees not to disparage the Company, its employees, contractors, affiliates, or third-party service providers in any public or online venue in any jurisdiction. This confidentiality obligation is expansive and applies to all information provided by the Customer to the Company, including but not limited to text communications, photos, and videos. Any breach of this non-disparagement and confidentiality obligation will be subject to legal action, including but not limited to injunctive relief and damages.
Non-Competition: The Customer agrees not to compete with the Company by reselling the Leads provided under this Agreement for a period of three (3) years from the termination of this Agreement, without the Company’s prior written consent.
The Customer authorizes the Company to use any information provided by the Customer for business or legal purposes, including but not limited to collections and marketing. The Company may also distribute or market the Customer's information to third-party companies at its discretion.
Data Retention: The Customer acknowledges that the Company will retain records of transactions and communications for a minimum of five (5) years. This retention is necessary for regulatory compliance, dispute resolution, and business continuity.
The Customer acknowledges that the Company's liability for any claims arising out of or related to the services provided, including but not limited to the provision of Leads, is strictly limited to the amount paid by the Customer for the specific Leads in question. The Customer waives any right to seek damages, including but not limited to punitive damages, that exceed the amount paid for the Leads, and agrees that this limitation of liability applies in all jurisdictions.
Disclaimer of Warranties: The Leads and services provided are on an "as-is" and "as-available" basis. The Company makes no warranties, express or implied, regarding the accuracy, quality, or success rate of the Leads, nor any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. The Company does not guarantee that the Leads will convert to sales, and the Customer accepts all risks associated with the use of the Leads.
The Customer agrees that any disputes arising under this Agreement that cannot be resolved mutually will be resolved through binding arbitration. Arbitration will be conducted in Nevis, governed by the laws of Nevis. The Customer agrees to waive any rights to damages exceeding the amount paid to the Company and to resolve disputes solely through arbitration in Nevis.
The Customer agrees that they may not assign or transfer their rights or obligations under this Agreement without the prior written consent of the Company. Any attempt to assign or transfer without such consent will be null and void.
If any provision of this Agreement is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The unenforceable or invalid provision will be modified to the extent necessary to render it enforceable while reflecting the intent of the parties as closely as possible.
This Agreement constitutes the entire understanding between the Company and the Customer regarding the subject matter herein and supersedes all prior or contemporaneous agreements, representations, and understandings, whether written, oral, or implied. Any amendments or modifications to this Agreement must be in writing and signed by both parties.
The parties agree that this Agreement and any amendments, modifications, or notices may be executed electronically, and such electronic signatures will be valid and enforceable as though they were executed with handwritten signatures.
Before initiating arbitration, the parties agree to attempt in good faith to resolve any dispute through mediation. The mediation will be conducted by a mutually agreed-upon mediator in Nevis. If mediation fails, the dispute will proceed to binding arbitration as outlined in this Agreement.
The Customer agrees to waive any right to participate in a class action lawsuit or class-wide arbitration against the Company. All claims and disputes must be litigated on an individual basis.
The Customer agrees that the Leads provided by the Company are to be used solely for lawful marketing and sales purposes directly related to life insurance products. The Customer is prohibited from reselling the Leads to third parties without the explicit written consent of the Company. Prohibited Use of Leads: The Customer agrees not to use the Leads for any illegal activities, including but not limited to fraudulent sales practices, identity theft, or deceptive marketing. Any violation of this clause will result in immediate termination of the Agreement and potential legal action.
The Customer agrees that any unauthorized chargebacks will result in the immediate suspension of services. The Company reserves the right to pursue legal action and collection efforts in response to any chargebacks deemed unauthorized. Credit Reporting and Collection Rights: In the event of an unauthorized chargeback, the Company reserves the right to report the Customer’s delinquency to credit bureaus, pursue collections via third-party agencies, and initiate legal action. The Customer agrees to be liable for all costs of recovery, including collection fees, legal fees, and court costs.
The Company reserves the right to terminate this Agreement immediately if the Customer violates any terms or engages in unlawful conduct. Upon termination, the Customer must cease all use of the Leads and return or destroy any Leads in their possession. Post-Termination Responsibilities: Upon termination of this Agreement, the Customer agrees to cease all use of the Leads provided by the Company. The Company reserves the right to pursue any legal remedies available to it if the Customer continues to use the Leads after termination.
By purchasing Leads from the Company, the Customer agrees to release, indemnify, defend, and hold harmless PanAtlantic Global Holdings, its affiliates, subsidiaries, third-party service providers, including but not limited to ImaliCo Insurance Agency, LLC ("ImaliCo"), as well as the Company’s managers, employees, contractors, agents, and MJ Harris, also known as Malcolm Harris, from any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys' fees) arising out of or related to the Customer's use of the services, including but not limited to the provision of Leads.
Binding Global Waiver: The Customer waives all rights to bring any claim, litigation, or legal proceeding against PanAtlantic Global Holdings in any jurisdiction other than Nevis. This waiver applies globally and includes all claims related to the performance, non-performance, or misrepresentation of services provided under this Agreement.
The Customer agrees that any legal action arising out of or related to this Agreement or the services provided by the Company must be commenced within one (1) year from the date the cause of action arose, or it will be permanently barred. This provision applies globally and supersedes any applicable statute of limitations.
The Customer waives any right to recover attorneys' fees or litigation costs in any action brought against the Company. Furthermore, the Customer agrees that if they initiate any claim or legal proceeding against the Company and do not prevail, the Customer will be responsible for paying all attorneys' fees, litigation costs, and expenses incurred by the Company in connection with such dispute, including any appeals.
In the event that the Customer breaches any provision of this Agreement, the parties agree that it would be difficult to calculate actual damages. Therefore, the Customer agrees to pay the Company liquidated damages in the amount of $10,000 for each material breach of this Agreement. This provision is not a penalty, but rather a reasonable estimation of the damages to the Company resulting from such breach. The Customer acknowledges that the payment of liquidated damages under this Section 25 does not replace or offset any other obligations or amounts owed under this Agreement, including but not limited to payments due under Section 34 (Assignment of Liability and Personal Guarantee for Claims, Disputes, Damages, and Fines) or any other section. The payment of liquidated damages shall be in addition to any other funds, damages, fines, or penalties owed by the Customer as a result of their actions or breaches under this Agreement.
This Agreement shall be governed by and construed in accordance with the laws of Nevis, without regard to conflict of law principles. The Customer agrees that all legal proceedings arising out of or related to this Agreement shall be exclusively brought in the courts of Nevis. The Customer waives any right to object to venue on the grounds of inconvenient forum or to seek a transfer of venue to any other jurisdiction.
The Customer hereby waives any right to a trial by jury in any legal proceeding arising out of or related to this Agreement. This waiver applies to all claims and disputes, including claims related to fraud, breach of contract, and tort.
To secure the performance of any obligations under this Agreement, the Customer grants the Company a security interest in all current and future assets, including but not limited to accounts receivable, inventory, intellectual property, revenue streams, and any proceeds thereof, until all obligations under this Agreement are fully satisfied.
The Company shall be entitled to immediate injunctive relief, without the requirement of posting a bond or other security, to prevent any breach or continuing breach of this Agreement by the Customer. This includes, but is not limited to, violations related to confidentiality, non-disparagement, non-competition, and intellectual property.
The Customer acknowledges that all purchases of Leads are final and non-refundable under any circumstances, except in cases of documented errors attributable to the Company. Any claim for refunds or chargebacks is hereby waived by the Customer.
The Company shall not be held liable for any failure to perform its obligations under this Agreement due to circumstances beyond its reasonable control, including but not limited to natural disasters, pandemics, government actions, terrorism, cyber-attacks, or other force majeure events. The Force Majeure clause shall not apply to events arising from the Customer’s financial hardship, lack of funding, or inability to perform due to economic conditions. The affected party must provide written notice of the force majeure event within five (5) days of its occurrence.
The Company reserves the right to conduct periodic audits of the Customer’s operations, systems, records, and any contracts with third parties to verify compliance with this Agreement. The Customer agrees to provide access to all such information and cooperate fully with the audit process. The Customer shall bear the cost of any audit that reveals non-compliance with this Agreement.
If the Customer is a legal entity, the individual signing this Agreement on behalf of the Customer agrees to personally guarantee the obligations of the Customer, including payment obligations, compliance with the terms of this Agreement, and indemnification duties. The personal guarantor shall be fully liable for any breach by the Customer.
The Customer irrevocably agrees that if their actions, whether intentional or unintentional, directly or indirectly cause any claims, disputes, judgments, damages, or fines of any kind to be brought against the Company, its affiliates, subsidiaries, third-party service providers, managers, employees, contractors, or agents, the full amount of such claims, disputes, judgments, damages, or fines shall be immediately assigned to the Customer. The Customer further irrevocably agrees to personally guarantee the full payment of any such amounts, regardless of the circumstances under which the claims, disputes, judgments, damages, or fines arose. This personal guarantee is in addition to any other indemnification obligations under this Agreement and shall remain in effect even after the termination of this Agreement. In the event that the Company is required to pay any amount as a result of the Customer’s actions, the Customer agrees that they will reimburse the Company in full, including any legal fees, court costs, and related expenses incurred by the Company in defending or addressing such claims, disputes, judgments, damages, or fines. The Company reserves the right to enforce this personal guarantee through any legal means available, including but not limited to initiating collection efforts, legal actions, or other enforcement measures.
The Customer waives any right to offset, deduct, or withhold any payments due under this Agreement for any reason. All amounts owed to the Company shall be paid in full without reduction for any claim or dispute the Customer may have.
The Customer waives any right to offset, deduct, or withhold any payments due under this Agreement for any reason. All amounts owed to the Company shall be paid in full without reduction for any claim or dispute the Customer may have.
37. Authorization for Use of Name, Image, and Submitted Information
By accessing our website(s) and submitting any information, you ("the User") agree to the following terms regarding the use of your name, image, likeness, quotes, and any information you provide to the Company, including but not limited to information submitted via our website(s), email, mail, or other forms of communication ("Submitted Information"). By accessing our website(s) and submitting any information, the User grants the Company, its affiliates, subsidiaries, successors, and assigns, a perpetual, worldwide, irrevocable, royalty-free right and license to use the User's name, image, likeness, quotes, and any Submitted Information. The Company may use this information for any lawful purpose, including but not limited to marketing, advertising, promotional materials, and other commercial and non-commercial uses in any media or format now known or hereafter developed.
The User acknowledges that the Company may transfer and assign the rights granted herein to any third party, including but not limited to affiliates, partners, and successors, without further consent from the User. The User waives any right to inspect or approve the final use of the Submitted Information and any derivative works thereof. The User further releases the Company and its assignees from any claims, damages, or liabilities arising from the use of the Submitted Information, including any claims for defamation, invasion of privacy, or infringement of the right of publicity.
38. Fraud Prevention and Monitoring
The Company reserves the right to monitor all transactions and communications for potential fraudulent activity. If the Company suspects that a Customer is engaging in fraudulent activities, including but not limited to chargebacks, false claims, or misrepresentation of information, the Company reserves the right to immediately suspend or terminate the Customer's account, withhold any outstanding Leads, and pursue legal action. The Customer agrees to provide any necessary information to assist in the investigation of suspected fraud.
39. Verification of Customer Identity
The Company may require verification of the Customer’s identity before processing any transactions. The Customer agrees to provide valid identification and any other necessary documents as requested by the Company. Failure to provide such verification may result in the suspension or termination of services.
40. Restrictions on High-Risk Customers
The Company reserves the right to classify certain customers as high-risk based on their transaction history, chargeback rate, or other factors. High-risk customers may be subject to additional scrutiny, including higher security deposits, advance payments, or restrictions on the number of Leads purchased. The Company will notify the Customer if they are classified as high-risk and outline any additional requirements.
41. Credit Limit and Deposit Requirements
The Company may establish a credit limit for the Customer based on their payment history, creditworthiness, and other factors. The Customer agrees to maintain any required security deposits or prepayments as determined by the Company. The Company reserves the right to adjust the credit limit or deposit requirements at any time based on the Customer's account activity.
42. Default and Collection Costs
In the event of default, including non-payment or violation of any terms, the Customer agrees to pay all collection costs incurred by the Company, including but not limited to attorney fees, court costs, and interest charges. The Company reserves the right to report any delinquency to credit bureaus and to pursue all available legal remedies.
43. Mandatory Account Review
The Company reserves the right to conduct a mandatory review of the Customer’s account every six (6) months. This review will assess the Customer’s compliance with the Agreement, payment history, and overall risk profile. Based on the results, the Company may impose additional requirements or terminate the Agreement if necessary.
44. Temporary Account Suspension for Investigation
If the Company receives reports or identifies patterns of behavior that suggest a breach of this Agreement, the Customer’s account may be temporarily suspended while an investigation is conducted. The Customer will be notified of the suspension and may be required to provide additional information. If the investigation confirms a breach, the account may be permanently terminated, and legal action may be pursued.
45. Continuous Improvement and Policy Updates
The Company reserves the right to update these Terms and Conditions periodically to improve protection against potential risks. The Customer will be notified of any significant changes, and continued use of the services after such changes constitutes acceptance of the updated terms.
These additions will help protect your company from customers who may engage in harmful or fraudulent behavior, ensuring you have clear policies in place to address such situations.
46. Replacement Leads Policy
The Company offers replacement leads under the following conditions:
Eligibility for Replacement:
Leads are only eligible for replacement if:
The contact information provided (e.g., phone number, email address) is incorrect or non-functional.
Non-Eligibility for Replacement:
Leads will not be replaced under the following conditions:
The Lead no longer shows interest in the product after initial contact.
The Customer misinterprets the Lead’s level of intent or readiness to purchase.
The Lead does not meet the Customer's personal expectations regarding quality or conversion potential.
The Lead is contacted outside the exclusivity period (if applicable).
Request for Replacement:
The Customer must submit a request for replacement within two (2) business days of receiving the Lead.
The request must include detailed evidence supporting the claim for a replacement, such as screenshots of non-functional contact information.
Replacement Lead Limit: The Company reserves the right to limit the number of replacement leads provided to a Customer within a given period.
Abuse of the replacement policy may result in suspension of replacement privileges or termination of the Agreement.
Finality of Decisions: All decisions made by the Company regarding the replacement or non-replacement of Leads are final and binding.
By accessing our website(s) and/or submitting any information, the User acknowledges and agrees to the terms outlined in this clause. If the User does not agree to these terms, they should refrain from accessing the website(s) or submitting any information.
Last Updated: August 20, 2024
Pan Atlantic Global Holdings - Privacy Policy
1. Introduction
This Privacy Policy ("Policy") governs the collection, use, and sharing of personal data by Pan Atlantic Global Holdings ("Company", "we", "us", or "our"). By interacting with our website, purchasing our leads, or using our services, you ("Customer", "user", or "you") agree to this Policy and the collection and use of information as outlined herein. This Policy applies globally, regardless of the jurisdiction in which you reside or access our services.
Note: If you do not agree with this Privacy Policy, do not access or use our services.
2. Information We Collect
We collect various types of personal information directly from you and from third-party sources, including:
- Personal Identification Information: Name, email address, phone number, mailing address, payment information.
- Business Information: Company name, tax ID, job title, and business address.
- Technical Information: IP address, browser type, operating system, usage data, cookies, and device identifiers.
- Lead Information: Information you provide or we collect for the purpose of fulfilling your lead orders.
- Behavioral Information: Purchase history, engagement metrics, and communication preferences.
3. Collection Methods
- Direct Interaction: Information provided by you when creating an account, purchasing leads, or communicating with us.
- Automatic Data Collection: Information collected automatically through cookies, web beacons, and other tracking technologies.
- Third-Party Sources: Information obtained from third-party services, including payment processors, business partners, and lead sources.
4. Use of Information
We use the personal data we collect for the following purposes:
- Service Provision: To fulfill orders, process payments, and provide the services you request.
- Compliance & Legal Obligations: To comply with laws, regulations, and court orders, including any applicable international laws.
- Marketing & Advertising: To market our services to you, including through third-party services and platforms, unless you opt out.
- Fraud Prevention & Security: To monitor and mitigate security risks, fraud, and unauthorized access.
- Business Operations: To improve our business processes, products, and services.
Legal Basis: We collect and use your data based on the following legal grounds: (a) to fulfill a contract; (b) your consent; (c) compliance with legal obligations; and (d) legitimate interests.
5. Data Retention
We retain personal data for as long as necessary to fulfill the purposes outlined in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. We reserve the right to retain personal data indefinitely, provided such retention is legally permissible.
6. International Transfers of Data
Your data may be transferred to and stored in locations outside of your jurisdiction, including countries that may not offer the same level of data protection as your home country. By using our services, you consent to such transfers.
We will ensure that any transfer of data to third-party service providers complies with applicable legal requirements and that adequate protection is in place for your personal data in accordance with applicable laws.
7. Disclosure of Information
We reserve the right to disclose your personal information in the following circumstances:
- Service Providers: To third-party companies that provide services on our behalf, such as payment processors, IT service providers, and marketing platforms.
- Legal Requirements: To comply with any legal obligations, government requests, or court orders, or to protect our legal rights, enforce our agreements, or defend against legal claims.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your personal data may be transferred to the acquiring entity.
- Fraud and Risk Mitigation: To prevent or investigate fraud or other illegal activities.
8. Security
We implement strict technical, physical, and administrative security measures to protect your personal data against unauthorized access, alteration, disclosure, or destruction. These measures include encryption, access controls, and regular security audits.
However, no method of transmission over the internet or electronic storage is completely secure. While we take extensive precautions to protect your data, we cannot guarantee absolute security.
9. Data Subject Rights
Depending on your location, you may have the following rights regarding your personal data:
- Access: The right to request access to the personal data we hold about you.
- Correction: The right to correct any inaccurate or incomplete data.
- Erasure ("Right to Be Forgotten"): The right to request deletion of your personal data, subject to certain legal exceptions.
- Restriction of Processing: The right to restrict our processing of your personal data in specific circumstances.
- Data Portability: The right to receive your data in a structured, commonly used format.
- Objection: The right to object to processing of your data, including for marketing purposes.
- Withdrawal of Consent: The right to withdraw your consent for data processing at any time.
To exercise these rights, contact us at [email protected] . Please note that we may require you to verify your identity before processing such requests. We also reserve the right to deny requests that are unfounded, excessive, or otherwise not required by law.
10. Children's Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from minors. If we discover that we have inadvertently collected personal data from a minor, we will delete that information immediately. If you believe that we have collected data from a minor, please contact us immediately at [email].
11. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze usage, and improve our services. You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our services.
We may also use third-party analytics and advertising tools that use cookies and tracking technologies to collect data on your browsing behavior and preferences.
12. Third-Party Links
Our website and services may contain links to third-party websites, plug-ins, and applications. We are not responsible for the privacy practices of such third parties. We encourage you to read their privacy policies before interacting with them.
13. Legal and Compliance Disclaimer
By using our services, you acknowledge and agree that we are not liable for any actions taken by third parties in relation to your personal data, including but not limited to data breaches, misuse of data, or unauthorized access resulting from third-party actions. We make no representations or warranties regarding the security practices of third-party service providers or partners.
14. Changes to This Policy
We reserve the right to amend this Privacy Policy at any time, for any reason, without prior notice. Changes will be effective immediately upon posting the revised Policy on our website. Your continued use of our services after such changes are made constitutes your acknowledgment and acceptance of the revised Policy.
15. Governing Law and Jurisdiction
This Policy is governed by the laws of Nevis. Any disputes arising from or related to this Policy will be exclusively resolved in the courts of Nevis. By using our services, you agree to submit to the personal jurisdiction of these courts.
16. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your personal data, please contact us at:
- Email: [email protected]
- Mailing Address:
3911 CONCORD PIKE UNIT 8030
WILMINGTON, DE 19803-6044
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