All information is encrypted and confidential.
For Users in California Only
Companies that collect personally identifiable information (“PII”) from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We (collectively “CareOneHelp”, “CareOneHelp.com”) have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to:
admin@CareOneLLC.com or by mail to California Privacy Information c/o CareOneHelp.com. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, Consumer Information Division, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.
For more information, contact us by:
Emailing us at admin@CareOneLLC.com
Last Updated: January 1, 2021
Dear Visitor: If you are a resident of California, you should thoroughly read through this California Consumer Privacy Act Policy before you submit any information for the service you are requesting on this site.
Your Rights and Choices
The CCPA (California Consumer Privacy Act) provides California residents with specific rights regarding their personal information. In the following, we describe what these rights are and explain how to exercise these rights. For more information, contact us by:
Emailing us at admin@CareOneLLC.com
Access to Specific Information and Data Portability Rights
You have the right to request that CareOneHelp disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable request (see Requesting and Exercising Access, Data Portability, and Deletion Rights section below), we will disclose to you:
Non-Discrimination
However, we may offer you certain financial incentives permitted by the CCPA that can result in different prices, rates, or quality levels. Any CCPA-permitted financial incentive we offer will reasonably relate to your personal information’s value and contain written terms that describe the program’s material aspects. Participation in a financial incentive program requires your prior opt-in consent, which you may revoke at any time.
Requesting and Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by:
Emailing us at admin@CareOneHelp.com
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. Please be reminded that the services provided by CareOneHelp is only applicable to a consumer of legal age in the state of his/her legal residency.
You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relate to personal information associated with that specific account.
We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.
Do Not Sell My Personal Information
We may sell your personal information as part of the process providing the service you are seeking. The CCPA requires that we maintain a separate webpage that allows you to opt out of the sale of your personal information, which can be accessed by clicking the link below:
https://www.CareOneHelp.com/opt-out
Categories of Personal Information We Collect
In order to provide you with the services you are seeking, we collect basic personal information in the following categories:
Our Sources of Personal Information
In addition to the personal information in the submission form on our landing page, we also collect personal from other sources:
Our Purpose for Collecting and Use of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
Personal Information We’ve Sold in the Past 12 months
Personal Information We’ve Disclosed for Business Purposes
We engage certain trusted third parties to perform functions and provide services to use, including hosting and maintenance, error monitoring, debugging, performance monitoring, billing, loan qualification, customer relationship, database storage and management, and direct marketing campaigns. We may share your personal information with these third parties, but only to the extent necessary to perform these functions and facilitate or directly provide services you are requesting/requested. We also require these third parties to maintain the privacy and security of the personal information they process on our behalf.
For further information, email us at admin@CareOneHelp.com
CareOneHelp (the “Company,” “us,” or “we”), a lead generation and online marketing company, owns and operates this website (the “Site”). We respect your privacy.
This Privacy (“Policy”) identifies and describes the way the Company handles and protects the information you may provide when you visit this Site and our practices for collecting, using, maintaining, protecting and disclosing that information.
Please read our privacy Policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your personal information in connection with your use of this Site. If you do not agree with our Policy, you may not use our Site. By accessing or using this Site, you agree to this Policy. This Policy may change from time to time. Your continued use of this Site after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.
The Site is used to provide information to consumers and ways for consumers to receive information from third party vendors (collectively, “Services”).
There are two types of information we, or our preferred partners/vendors, may collect: “Personally identifiable information” (“PII”) and non-personally identifiable information (“non-PII”). PII is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Non-PII is information that cannot identify the individual person and is used in the aggregate to provide general information about the users of the Site. Often we do not collect your Social Security number but if we do our Policy (1) protects the confidentiality of Social Security numbers, (2) prohibits unlawful disclosure of Social Security numbers, and (3) limits access to Social Security numbers.
PII: PII may include your full name, address, telephone number, and email address that you submit on this Site.
Non-PII: Non-PII is information that identifies your computer and its navigational patterns through the Services provided by this Site (but not a specific user). We may automatically collect NonPII when you visit the Site, through the use of a variety of tools including cookies (small text files that are stored on a user’s computer for record-keeping purposes and which contain information about that user’s computer), or other available analysis or collection technologies.
Use of Information
We use the information we collect to (a) provide, maintain, and protect the Services; (b) notify you of promotions, special events, new services and special offers, for example, through e-mails; (c) tailor our product offerings, customer service and overall experience; (d) improve the content, operation, appearance and utility of the Services; (e) conduct surveys, research and evaluations; (f) troubleshoot and resolve disputes; (g) gather demographic data and (h) accomplish other administrative tasks.
Cookies:
Cookies are small bits of code, usually stored on a user’s computer hard drive, which enable a Website to “personalize” itself for each user. Cookies allows us to identify files on your computer and record your preferences and other data about your visit to our Site so that when you return to the Site we are aware of who you are and can help personalize your next visit here. Please note that cookies may be linked to PII about you. The use of cookies allows us to keep track of your information and prevents you from having to reenter your information at each connection. Potential consumer tracking data collected by us is used to optimize your experience by delivering targeted advertising (or allow third parties to deliver targeted advertising) on our Site and the websites of our preferred partners/vendors.
Push Notifications/Alerts:
We may use push notifications and alerts to notify you of services and/or products that you have expressed interest in on multiple devices. If you no longer wish to receive these types of communications, you may turn them off at the device level. To ensure you receive proper notifications, we may need to collect certain information about your device such as operating system and user identification information. You may opt-out of push notifications or alerts through your browser settings.
Web Beacons:
Pages on our Site may contain “web beacons” (also known as Internet tags, pixel tags and clear GIFs). Web beacons allow third parties to obtain information such as the IP address of the computer that downloaded the page on which the beacon appears, the URL of the page on which the beacon appears, the time the page containing the beacon was viewed, the type of browser used to view the page, and the information in cookies set by the third party. We use log files to store the data that is collected through web beacons.
User Profiles:
The Company may aggregate PII, Non-PII, Log File information, Web Beacon Information, and Cookie Information in order to create a profile of a user or users of the Site.
Third Parties:
When you register with the Site, you explicitly authorize us to share your information with our preferred partners/vendors so that they may to contact you via email, SMS, ,telephone and/or direct mail. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION. By visiting our Site, YOU AFFIRMATIVELY ACKNOWLEDGE, CONSENT, AND AGREE TO THE TERMS AND CONDITIONS AND PRIVACY POLICY. YOU FURTHER AFFIRMATIVELY CONSENT, AGREE TO, AND AUTHORIZE THE COMPANY, ITS PARTICIPATING PROVIDERS AND THIRD PARTIES ACTING ON THEIR BEHALF TO CONTACT YOU VIA: 1) COMMERCIAL EMAIL MESSAGES SENT ELECTRONICALLY TO THE EMAIL ADDRESS PROVIDED; 2) MARKETING/TELEMARKETING MESSAGES BY TELEPHONE, INCLUDING YOUR WIRELESS NUMBER IF PROVIDED, USING LIVE OPERATORS, AUTOMATED TELEPHONE DIALING SYSTEMS, PRE-RECORDED MESSAGES, TEXT MESSAGES (SMS AND MMS), EVEN IF YOUR TELEPHONE NUMBER IS CURRENTLY LISTED ON ANY STATE, FEDERAL, LOCAL OR CORPORATE DO NOT CALL LIST. YOUR CONSENT TO BEING CONTACTED IS NOT REQUIRED IN ORDER TO SUBMIT YOUR APPLICATION OR TO PURCHASE GOODS OR SERVICES AND MAY BE REVOKED AT ANY TIME. Your information, including your PII, may be sold to preferred partners/vendors. We may also sell your information, including your PII to other affiliated companies, and with other trusted vendors and business partners. Some business partners include companies who provide business services to us or on our behalf, such as to market products or services to you, monitor Services activity, help to maintain our customer database, and administer emails, surveys or other contests. We may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of our Company. The personal information collected on this site and by third parties will be used to operate the Site and to provide the services or products or carry out the transactions you have requested or authorized. We may change or broaden the use of your personal information at any time. We may also use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.
Opt-Out:
If you decide that you are no longer interested in receiving sms SMS or email communications from us, you may follow the instructions in our sms SMS or emails to unsubscribe from our email list or by emailing us at: infoCareOneHelp.com. If you wish to opt-out of disclosure and to be excluded from our mailing list, please email us at: infoCareOneHelp.com. As to communications from our preferred partners/vendors, affiliated companies, trusted vendors and business partners, please follow the instructions to opt-out in those entities’ communications.
Legal Compliance/Other Information Disclosure:
We also reserve the right to disclose your information in good faith as required by law, in response to legal process including law enforcement requests, and with any person or entity that may acquire all or any part of our business or assets, in connection with any change in control of us, and where needed to prevent fraud and to protect the safety, property, or legal rights of users or our affiliates. We may also disclose your information to manage and protect our information technology infrastructure and security. We may also disclose your information for any other purpose with your consent. We may share non-PII at any time for any purpose.
You may revoke consent at any time for any use of PII collected from you under this Privacy Policy. To revoke consent, indicate by emailing us at Admin@CareOneLLC.com PLEASE NOTE: Data collected may be sold or transferred to our preferred partners/vendors which takes place immediately in real-time. Should you decide to unsubscribe, opt-out or revoke consent, your data may have already been sent to our preferred partners/vendors. We cannot revoke your information from a third party if it has already been sold. We will remove your PII from our internal programs and further communication from CAREONEHELP will cease, except for administrative matters.
With respect to Ad Servers:
To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our Site. As a result of your visit to our Site, ad server companies may collect information such as your domain type, your IP address and clickstream information. For further information, consult the privacy policies of the companies representing the ads or http://www.google.com/privacy_ads.html.
Third parties with whom we partner to provide certain features on the Site or to display advertising based upon your web browsing or application activity use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here:
http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html
“Do-Not-Track” is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not currently respond to Do-Not-Track signals.
If you wish to limit the collection of information by us or third party partners to provide you with advertising based upon your website browsing activities and interests, you may click [http://preferences-mgr.truste.com] to opt out. To opt out of targeted advertising on your mobile device, iOS users can click here: https://support.apple.com/en-us/HT205223 to learn how to limit ad tracking and Android users can click here: https://support.google.com/ads/answer/2662922?hl=ento learn how to opt out of interest-based ads. Please note that opting out of interest-based/targeted advertising does not limit all advertising. You will continue to receive generic advertisements.
We strive to keep all personal information accurate and complete. You are always fully in control of the information that we maintain to assist you. You can change your personal information at any time and as often as necessary. You can also request that information be deleted. Information may be withheld or exempted from deletion if this is required by law or is part of a fraud investigation, or as otherwise as described above in the Use of Information section. You may access and modify your personal information by writing to us at:
CAREONEHELP
12884 S FRONTRUNNER BLVD #140
DRAPER, URLSTATE 84020
We will retain PII, including user location information, only as long as our business needs require. We will then destroy or render unreadable any such information upon disposal. We believe the security of your information is a serious issue and we are committed to protecting the information we receive from you. We use commercially reasonable security measures to protect against the loss, misuse and alteration of your information under our control. Although we take precautions to protect your data, no data transmission over the Internet can be guaranteed to be 100% secure. Although we have agreements and vetting procedures in place for third parties, we are not responsible for the actions of any third parties that may receive any such information. You should note that the security of your personal information also depends on you. Please do not communicate any information to us through unsecured channels, such as when you are in public areas. Where we have provided you or you have chosen a password, access code, or similar security feature, you must keep the password, access code or security feature confidential. Please do not share your password with anyone. If you believe your password or account has been compromised, please contact us immediately at infoCareOneHelp.com, or by writing to us at:
CAREONEHELP
12884 S FRONTRUNNER BLVD #140
DRAPER, URLSTATE 84020.
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at infoCareOneHelp.com, or by writing to us at:
CAREONEHELP
12884 S FRONTRUNNER BLVD #140
DRAPER, URLSTATE 84020
We do not specifically market to children under the age of 18. Children under the age of 18 may not use the services on this Site.
This Policy constitutes our Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and applicable state law. When you talk with us by telephone your conversation may be monitored or recorded by us. We maintain an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Do Not Call list.
Our Company has a strict “anti-spam” policy for itself and its business partners and vendors. You will not receive our e-mails unless you submit your e-mail address to us or register on one of our websites to receive communications.
You may tell us not to solicit you at your postal mailing address, telephone number or e-mail address. If you elect not to receive marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other nonmarketing purposes. We may also continue to provide marketing information in your regular account mailings and statements, including online and electronic communications.
California Civil Code Section § 1798.83 permits users of our Website that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to infoCareOneHelp.com or write us at:
CAREONEHELP
12884 S FRONTRUNNER BLVD #140
DRAPER, URLSTATE 84020
Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing Admin@CareOneLLC.com. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us
Notice to Users Outside of the United States
This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those thirdparties with whom we share it as described in this Notice.
We may change this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. The revised Privacy Policy will be effective immediately when posted on the Site. We encourage users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this Privacy Policy periodically to learn of any revisions to this Privacy Policy. Your continued use of the Site after the effectiveness of such revisions will constitute your acknowledgment and acceptance of the terms of the revised Policy.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS. Last Updated: April _3, 2019
CareOneLLC (the “Company,” “us,” or “we”), a lead generation and online marketing company, owns and operates this website (the “Site”). Please read these Terms of Use (“Terms”) carefully before using the Site. If you are unwilling to accept the terms of use herein, you may not use the Site. By using the Site, you are agreeing to abide and be bound by the following Terms of Use (“Terms”). These Terms apply to all visitors, users and others who access or use the Site.
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Content, including but not limited to text, software, music, sound, photographs, trademarks, service marks, logos, video, graphics or other material contained on this Site or presented to you through this Site (“Content”), is protected by copyright, trademarks, service marks, Site marks, patents or other proprietary agreements and laws (collectively, “Intellectual Property Rights”). You are only permitted to use Content as expressly authorized herein or in writing by the Company. These Terms do not transfer any right, title, or interest in the Site or the Content to you, and Company and its third party advertisers and affiliates retain all of its and their respective right, title and interest to the Site and Content. Except as provided in these Terms, you may not use, download, upload, copy, modify, print, display, perform, reproduce, publish, license, rent, lease, loan, sell, assign, post, transmit, distribute, reverse engineer, create derivative works from, or otherwise exploit any Content or information from the Site, in whole or in part, including without limitation by way of framing or hyper-linking, without Company’s permission. Requests for such permission should be made to info@CareOneLLC.com, You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through the Site, the Company will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request. By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. Except as expressly provided in these Terms, nothing contained in these Terms or on the Site shall be construed as conferring any other license or right, expressly, by implication, by estoppel or otherwise, under any of our Intellectual Property Rights or under any third party’s Intellectual Property Rights. All rights not expressly granted herein are reserved.
This Site is not affiliated with, endorsed by, authorized by, or associated in any way with any government (whether federal or state), agency, or country. The Site and Content have been prepared for general information purposes only. By using this Site, you expressly agree that any such use is solely for personal, non-commercial use. The Site provides links to other websites and access to content, products and services of third parties, including without limitation, Company’s third party advertisers, affiliates and strategic partners (“Third Party Sites”). You should refer to the separate terms of use, privacy policies, and other rules posted on Third Party Sites before you use them. Company is not responsible for and expressly disclaims responsibility for (a) the availability of, or content provided, Third Party Sites; (b) third party content accessible through the Site, including opinions, advice, or statements (and you understand that you bear all risks associated with the use of such content); (c) any loss or damage of any sort you may incur from dealing with any Third Party; or (d) your dealings with any Third Parties found on or through the Site, including your participation in promotions, the payment for and delivery of goods if any, and any terms, conditions, warranties, or representations associated with such dealings. Company’s inclusion of a link to a Third Party Site does not imply that Company endorses the Third Party Site or any content or statements made therein, or vice versa. You are under no obligation to transact business with any of the Third Party Sites.
Your correspondence or business dealings with any Third Parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such Third Party. The Company is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings. By using the Site as directed, you are acknowledging that the Company does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any Third Party and is not party to any discussions that you may have or agreement that you may make with any Third Party.
You may not:
Send unsolicited commercial email to the email addresses provided on the Site or impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; Delete, modify or attempt to change or alter any of the Content on the Site; Use any device, software or routine that interferes with the proper functioning of the Site or servers or networks connected to the Site, or take any other action that interferes with another’s use of the Site or take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; Use the Site or the Content, intentionally or unintentionally, in any manner inconsistent with or in violation of any applicable laws or regulations or in violation of the rules of any other website providers, websites, chat rooms or the like, including, without limitation, laws regarding import/export of technical data by virtue of your online transmission; Submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; Use any “robot,” “spider” or other automatic or manual device or process for the purpose of compiling information on the Site for purposes other than for a generally available search engine; or Use any Company name, service marks, or trademarks without prior written consent, including as metatags or hidden text.
The Content on the Site is intended to provide information only and is not legal advice. Any opinions expressed through Content on the Site are the opinions of the particular author and may not reflect the opinions of Company.
Company may change these Terms from time to time, without prior notice, by posting the modified Terms on the Site, which may be accessed by clicking the “Terms of Use” link at the bottom of the homepage. Your continued use of this Site following any changes to the Terms constitutes your acceptance of those changes. If you object to any provision of these Terms or any subsequent modification, or become dissatisfied with the Site in any way, your sole recourse is to immediately terminate your use of the Site.
Company reserves the right to modify or terminate these Terms or your access to the Site (or portions of the Site), temporarily or permanently, with or without notice to you (any such event is a “Termination”), and is not obligated to support or update the Site. These Terms shall survive a Termination. You acknowledge and agree that Company shall not be liable to you or any Third Party in the event that it exercises its right to modify or of Termination, whether in whole or in part as to the Site. Unless explicitly stated otherwise, any new features that augment or enhance the current Site will be subject to these Terms.
will treat any information it collects from you in accordance with its Privacy Policy, which is incorporated by reference herein.
Infringement In accordance with the Digital Millennium Copyright Act (“DMCA”), http://lcweb.loc.gov/copyright/, Company has designated an agent to receive notifications of alleged copyright infringement associated with the Site. Company will, upon receiving proper notice as set forth below, use commercially reasonable efforts to remove or disable access to any such material as set forth in the DMCA. If you believe that your copyrighted work or the copyrighted work of another party is being infringed, please notify our copyright agent: info@CareOneLLC.com. When notifying Company of the alleged copyright infringement, please include all of the following information:
A physical or electronic signature of a person authorized to act on behalf of the copyright owner; Identification of the copyrighted work claimed to have been infringed; Identification of the material that is claimed to be infringing and information reasonably sufficient to locate the material; Information reasonably sufficient to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address; A statement that the complaining party has a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and If material is believed in good faith by Company to infringe a copyright or otherwise violate any intellectual property rights, Company will remove or disable access to any such material. If you believe that a notice of copyright infringement has been wrongly filed against you and you would like to submit a counter-notification, you may file a Counter-Notification in Response to Claim of Copyright Infringement with Company’s copyright agent, identified above. You may want to seek independent legal counsel before filing a notification or counter-notification.
To the fullest extent permissible pursuant to applicable law, the site and all content, materials, information, products and services provided on the site, are provided on an “AS IS” and “AS AVAILABLE” basis. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, INTEGRATION, NONINTERFERENCE WITH ENJOYMENT, AND SECURITY AND ACCURACY, AS WELL AS ALL WARRANTIES ARISING BY USAGE OF TRADE, COURSE OF DEALING, OR COURSE OF PERFORMANCE. Company makes no warranty, and expressly disclaims any obligation, that: (A) The site will meet your requirements or will be available on an uninterrupted, timely, secure, or error-free basic; (B) The content will be up-to-date, complete, comprehensive, accurate or applicable to your circumstances; (C) The results that may be obtained from the use of the site or any services offered through the site will be accurate or reliable; (D) The quality of any products, services, information, or other material obtained by you through the site will meet your expectations; or (E) That defects, if any, will be corrected. You understand and agree that any content, material and/or data downloaded or otherwise obtained through the use of the site us used at your own risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such content, material and/or data. You agree to indemnify, save and hold the Company and its contractors, employees, agents and its third party suppliers and business partners harmless from any claims, losses, damages and liabilities, including legal fees and expenses, arising out of your use or misuse of the websites, any violation by you of these Terms of Service or any breach of the representations, warranties and covenants made by you herein. The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with the Company’s defense of any such claims. The Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
IN NO EVENT SHALL COMPANY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR DAMAGES FOR COST OF PROCUREMENT OF SUBSTITUTE SERVICES, LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), ARISING FROM YOUR ACCESS TO OR INABILITY TO ACCESS, OR USE OF, THE SITE OR ANY SERVICES PROVIDED IN CONNECTION WITH THE SITE, OR OTHERWISE RESULTING FROM: (1) THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES, GOODS, OR WEBSITES, (2) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, (3) THE STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE, OR (4) ANY OTHER MATTER RELATING TO THE SITE, EVEN IF COMPANY WAS ADVISED THAT SUCH DAMAGES WERE LIKELY NOT POSSIBLE. This limitation on liability applies to, but is not limited to, the transmission of any disabling device or viruses which may infect your equipment or system, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems, unauthorized access, theft, bodily injury, property damage, operator errors, strikes or other labor problems or any force majeure. Some jurisdictions do not allow certain limitations or exclusions of liability in some circumstances. Accordingly, some of the foregoing limitations may not apply to you. Indemnity You agree to indemnify, defend and hold harmless Company, its affiliates, shareholders, directors, officers, co-branders, subsidiaries, parents, employees and agents, from any claim, demand, liability, dispute, damage, cost, expense, or loss, including reasonable attorneys’ fees and costs of litigation, arising out of, or in any way connected with your use of or access to the Site, your use of the Content, your linking to the Site or your violation of these Terms. BY YOUR USE OF THE SITE, YOU ARE AGREEING TO RELEASE AND DISCHARGE THE COMPANY AND ITS THIRD PARTY SUPP LIERS AND BUSINESS PARTNERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS AND EXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS, “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER WOULD HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.”
These Terms shall be governed by the laws of the state of Utah without regard to its choice of law rules. You consent to personal jurisdiction in the state and federal courts located in Salt Lake City, Utah. Any dispute arising out of or in connection with these Terms or your use of any Content or this Site or your access to or links to this Site, shall be resolved by binding arbitration before a neutral arbitrator administered by Judicial Arbitration and Mediation Services in Draper, UT, in accordance with its applicable arbitration rules, as then in effect. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both you and the Company agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If a court decides that applicable law precludes enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.
If any provision of these Terms is found by a court or arbitrator to be invalid, the parties agree that the court or arbitrator should give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms will remain in effect. Company’s failure to act with respect to a breach by any person using the Site does not constitute a waiver of its right to act with respect to subsequent or similar breaches. Company may assign its rights and duties under these Terms without such assignment being considered a change to the Terms and without notice to you. You may not assign these Terms without the prior written consent of Company. These Terms, the Privacy Policy, any operating rules, policies, or procedures that may be posted from time to time by Company on the Site, and any modifications to the foregoing, constitute the entire agreement between the parties with regard to the subject matter in these Terms and supersede all prior understandings and agreements, whether written or oral, as to such subject matter. Nothing contained in these Terms will be deemed to constitute either party as the agent or representative of the other party, or both parties as joint ventures or partners for any purpose.
You agree that any claim or cause of action arising out of your use of the Site or these Terms must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Company to enforce or exercise any provision of these Terms or related right shall not constitute a waiver of that right or provision.
You acknowledge (a) that you have read and understood these Terms; and (b) that these Terms have the same force and effect as a signed agreement.
Subject to your compliance with these Terms of Service, the Company hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the Site for purposes of accessing the information and contacting the providers of the products and services contained therein. The Company expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the Site. By using the Site, you hereby grant to the Company a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including the Company’s Privacy Policy).
If you have any questions regarding these Terms or the Site, please contact Company at:
CareOneLLC
Address
Draper, UT, 84020
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS. Last Updated: April 3rd, 2019
PLEASE CAREFULLY READ THE INFORMATION PROVIDED IN THIS DISCLOSURE BEFORE ACTING ON ANY OFFER OR PROPOSAL WHICH IS MADE TO YOU BY A PROVIDER.
Our Services The following is a description of the services provided by Care One Help (sometimes referred to as the “Company”, “we” or “us”) to consumers (sometimes referred to as “you”):
This site uses recording devices such as heat maps and other tracking software to help make decisions to improve sites performance and verify consumers using site.
The offers that you are matched up with are from companies or attorneys/law firms (“Providers”). that We may receive compensation from Providers. Based on our initial review of such Providers, we feel comfortable introducing them to you. We won’t recommend something just because we’re offered payment to endorse or promote it. However, we do recommend that you shop around and compare services and costs with other companies while performing your own due diligence, especially since people’s experiences with Providers can change over time.
We may be compensated for the following:
● Referrals to consumers who use the online form or locator line that may provide expert answers to questions;
● Marketing tax resolution, credit correction, student loan, debt resolution, or consumer law services such as FDCPA and bankruptcy assistance;
● Ads served through companies such as Google (we don’t totally control all of the specific ads that appear on our site.);
● Referrals to services that help consumers with tax resolution, credit correction, student loan, debt resolution or consumer law services such as FDCPA and bankruptcy assistance.
We are not attorneys and we don’t provide legal advice. As always, we encourage you to do your homework and check out individuals and companies before you hire them. If you are already working with an attorney, we urge you to ask them your questions. After all, they will be familiar with your situation and the laws in your state.
We hope that you find Care One Help helpful in your efforts to get a fresh start.
Personal Loans Advertiser Disclosure
The Personal Loan offers that appear on this site are from companies or affiliates from which Care One Help may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Care One Help does not include all Personal Loan companies or all types of offers available in the marketplace.
Personal Loan Providers determine the underwriting criteria necessary for approval. You should review each Provider’s terms and conditions to determine which loan works best for you and your own personal financial situation. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Provider’s or affiliates discretion. There is never a guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms that were shown.
Be sure to speak with your representative about the actual term and rate you may qualify for based on your credit history and ability to repay the loan. Lenders may charge an origination fee generally around 1% or more of the amount sought. Be sure to ask up front about all fees, costs and terms associated with each loan product. Loan amounts of $1,000 up to $35,000 may be available through participating lenders or affiliates; however, your state, credit history, credit score, personal financial situation, and lender underwriting criteria can impact the amount, fees, terms and rates offered. In some cases, lenders may require that you have an account with them already and for a prescribed period of time in order to qualify for better rates on their personal loan products. Ask your representative for details.
Credit Card Advertiser Disclosure Commented [1]: What exactly do you do to fulfill this promise? If you don’t do anything, this should be deleted. If you do something, then be sure you are maintaining written record as to what you are doing.
The card offers that appear on this site are from companies or affiliate offers from which Care One Help may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear). Care One Help does not include all card companies or all card offers available in the marketplace.
Credit Card Providers determine the underwriting criteria necessary for approval. You should review each Credit Card Provider’s terms and conditions to determine which card works for you and your personal financial situation. Information is provided by the Credit Card Providers and is not a guarantee of approval.
All credit card rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Credit Card Provider’s discretion. All reasonable efforts are made to provide and maintain accurate information. There is no guarantee you will be approved for credit or that upon approval you will qualify for the advertised rates, fees, or terms shown.
Any opinions, analyses, reviews or recommendations expressed in articles, marketing materials or otherwise are those of the author’s alone and/or Care One Help, and have not been reviewed, approved or otherwise endorsed by any Credit Card Provider.
See the online Provider’s credit card application for details about terms and conditions. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website. Business Loans Advertiser Disclosure
Business Loan offers that appear on this site are from companies or affiliates from which Care One Help may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Care One Help does not include all Business Loan companies or all types of offers available in the marketplace.
Business Loans are those loans that are for commercial use and any property and/or proceeds from the proposed request will be used by the requestor for commercial purpose only and not for any personal, family or household purposes.
Most of the Business Funding Providers, do not require collateral for business loans; however, please note that it is possible to be offered another product by the lender depending on your needs and if the underwriting requirements dictate the same. Traditional bank and SBA loans generally are known for collateral requirements. There is no one-size fits all business loan. Rather there are several types that will likely be offered and or discussed with you upon completing your request. Business Funding Providers providers determine the underwriting criteria necessary for approval, you should review each Partner’s provider’s terms and conditions to determine which business funding option works for your business’s financial situation. All reasonable efforts are made to provide and maintain accurate information. All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each Partner’s provider’s discretion. There is never a guarantee your business will be approved for credit or that upon approval your business will qualify for the advertised rates, fees, or terms shown. Lender terms and conditions will apply and all products may not be available in all states. Ask your loan representative for details.
Student Loan Refinancing Advertiser Disclosure
Student loan refinancing offers that appear on this site are from companies or affiliates from which Care One Help may receive compensation. This compensation may impact how and where products appear on this site (including for example, the order in which they appear or whether a lender is “featured” on the site). Care One Help does not include all student loan companies or all types of offers available in the marketplace.
Pursuant to Care One Help may also receive information from the providers regarding the status of your application including, but not limited to, the amount or disposition of your loan. Information specific to the provider’s use of your information will be found in their specific Privacy Policy.
Potential savings may vary based on the interest rates, balances and remaining repayment term of the loans you are seeking to refinance. Your overall repayment amount may be higher than the loans you are refinancing even if your monthly payments are lower. Variable rate options will fluctuate over the term of your loan with changes in the index utilized by the lender, and will vary based on applicable terms and presence of a cosigner. Fixed interest rates may be based on applicable terms and presence of a co-signer. Additional terms and conditions, and rates are subject to change at any time without notice and may not be available in all states or for all types of current student loans. Such changes should only apply to applications taken after the effective date of change. Please note: Due to federal regulations, lenders are required to provide every potential borrower with disclosure information before they apply for a private student loan. The lender you select is required to provide you with an Application Disclosure and an Approval Disclosure within the application process before you accept the terms and conditions of your loan. Care One Help is not a lender or creditor, it does not offer, extend or alter credit terms. Only participating lenders can perform the full application and deliver the required disclosures. Please ask your lender about rates, terms, fees, and potential discounts that may be available for each product.
Please Note:
1. Certain federal and private student loans may not be eligible for consolidation/refinance.
2. Certain consolidation/refinance plans may result in higher monthly payments or negative consequences (i.e. prepayment penalties).
3. Consolidation/refinance may lead to other negative results, such as loss of grace periods.
4. Loans in default generally cannot be consolidated until completion of a repayment trial plan so tell your lender if you are in default and determine relevant options (be wary of those asking for upfront fees as well)
5. Other options or programs may fit your needs (i.e. personal loan, debt consolidation and/or debt relief). Consult your financial and/or tax advisor prior to making any decisions.
Care One Help is not a creditor as it does not offer, extend or alter credit; rather it is an online market lead generator that allows consumers to shop and compare rates, terms and costs associated with financial products such as mortgages, auto loans, personal loans, student loans, etc. Care One Help does not originate or fund any product it markets; rather it has a network of potential providers. You may choose to speak with one or more of these providers to determine what your actual terms and savings may be. Only a lender can provide you with a formal application for credit, your inquiry form here is merely an expression of interest and/or intent to obtain credit or assistance. You must discuss your actual credit situation and fill out the lender’s required documents prior to obtaining an extension of credit. Network lenders may not have the best or the lowest rates so you are encouraged to continue to shop and compare additional lenders, credit unions, local financial institutions, etc. to ensure you are truly getting your best deal for your situation. You should contact your tax professional or other financial advisor to determine if you can actually realize savings by refinancing when it can extend the life of your current loan. You should ask the lender about all terms, rates, fees and costs associated with each product and if you will realize a net tangible benefit from the same. All initial estimated savings is done by trying to calculate what your rate may be; however, Care One Help does not have that information and cannot guarantee potential savings or that lenders will approve you for such product that would warrant those savings. Rates are not guaranteed and change daily. Providers that perform the actual underwriting will have to determine if you meet their underwriting criteria which is unknown to Care One Help at the time of matching/offer/quote delivery. All amounts are estimates and examples only and do not represent an actual offer.
PLEASE PRINT A COPY OF THIS DOCUMENT FOR YOUR RECORDS.
Last Revised: April _10_, 2020