Terms of Service

We build technologies and services that enable people to connect with each other, build communities, and grow businesses. These Terms govern your use of this website, and the other products, features, apps, services, technologies, and software we offer, except where we expressly state that separate terms (and not these) apply.
Our mission is to give people the power to build their business in financial & insurance industry by providing contracting and resources for them to get started, grow or expand.
Agent, broker, agents or prospective partners in United States.

You cannot use this site if you are under 18 years old, was previously disabled your account for violations of our Terms or Policies or are prohibited from receiving our products, services, or software under applicable laws.
Equipment In order to access and use this website, user needs computer equipment and telecommunications access necessary to connect to and access the World Wide Web. User must provide, at User's own expense, all equipment, all services (including, where applicable, telephone or internet access service) and all related third-party service fees (such as ISP charges) necessary to access this website.

Registration Data In consideration of use of this website, user agrees to provide to this website and its third-party sponsors true, accurate, current, and complete information as prompted by this Website's online registration form (the "Registration Data") and agrees to maintain and promptly update the Registration Data as necessary in order to keep it true, accurate, current and complete. If user provides any information that is untrue, inaccurate, not current or incomplete, we may suspend or terminate user's account immediately and may refuse User all current or future use.

User is responsible for keeping his/her e-mail address, User name and password confidential, and is solely responsible for all activities that occur under User's account, User name and password, including all unauthorized activities. User agrees to abide by all applicable local, state, federal and international laws and regulations with respect to user's account.
User agrees not to use any part of this Website to:

Violate any local, state, national or international law;

Stalk, harass or harm another individual;

Collect or store personal data about other Users;

Impersonate any person, or otherwise misrepresent User's identity;

Interfere with, disrupt or violate the Terms of Services and operating rules of this website or servers or networks connected to this site; or disobey any requirements, procedures, policies or regulations of such networks;

Interfere with another User's use of this site;

Attempt to gain unauthorized access to this site, or to other accounts, computer systems or networks connected to this site;

Transmit any file that contains viruses, worms, Trojan horses, or any other contaminating or destructive features;

Use this site to conduct any activity or solicit the performance of any illegal activity or other activity that infringes the rights of others;
User agrees that title, ownership rights and other intellectual property and proprietary rights in this website shall remain in this website and/or its licensors and suppliers.

User acknowledges that the content of this Website and this website - including but not limited to text, sound, photographs, graphics, software or other material contained in either this website, Sponsors, advertisements, offers, electronic mail communications, services or software is copyrighted by this website and/or its licensors and suppliers under United States and international copyright laws, is subject to other intellectual property and proprietary rights and laws, and is owned by this website or its licensors and suppliers. Such content may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, or redistributed in any way without the prior written permission of this website and its applicable licensors or suppliers, with the sole exception that one copy of any necessary software that may be provided by this website or its Sponsors may be downloaded onto a single computer for User's personal, noncommercial use. User must abide by all copyright notices, information, or restrictions contained in or attached to any such content.

User may use this website's or Sponsors' content, service or software only as expressly authorized by this website or the Sponsors.

User acknowledges and agrees that this website and any necessary software provided by this website or its Sponsors or other third-party Sponsors and used in connection with this website ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. this website grants User a personal, nontransferable and nonexclusive right and license to use the object code of any such Software on a single computer and solely in connection with User's use of this Website and this website; provided that User does not (and does not allow any third party to) otherwise copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, rent, lease, loan, sublicense, grant a security interest in, or otherwise transfer any right in any such Software. User agrees not to modify any such Software in any manner or form, or to use modified versions of any such Software, including (without limitation) for the purpose of obtaining unauthorized access to this website. User agrees not to access this website by any means other than through the interface that is provided by this website for such use.
This Terms of Service, and your account, may be terminated as follows

By User. User may close account in this website with or without cause at any time. User's closing of this website account is effective upon User completing the User close account form in “Close My Account” page within the this website website.

By this website. this website may terminate this Terms of Service, User's password, account or use of this website, and remove and discard any User content in its sole discretion, effective immediately and without prior notice, for any reason, including, without limitation, failure to provide accurate Registration Data, lack of use, or if this website believes that User has violated or acted inconsistently with the letter or spirit of this Terms of Service.



Effect of Termination. Upon termination by either User or this website:

this website may immediately deactivate or delete User's account and all related information and files and/or bar any further access to such files or this website.

User agrees that this website shall not be liable to User or to any third party for any termination of User's account or User's access to this website.
this website uses a variety of security measures to protect the integrity of this Website, as well as Account and individual information. However, we can not and do not guarantee absolute security, and we are not responsible for any illegal acts of third parties including hacking or similar activities.
this website reserves the right to modify this website, this Terms of Service and/or Privacy Policy at any time without prior notice. It is a User's responsibility to review from time to time and stay familiar with this Terms of Service and Privacy Policy. While this website reserves this right, this website will attempt to notify User of any such changes to the Privacy Policy and material changes to the Terms of Service via e-mail and/or by posting such changes on the this website Website.

this website may discontinue, add to or revise any or all aspects of this website in its sole discretion and without notice, including this website Account Balances, access to any support services, publications and other products or services ancillary to this website.

If User objects to any changes, User's sole recourse shall be to cease using this website. User's continuing use of this website after notification of any such change(s) constitutes conclusive evidence of User's acknowledgement of the modification to this Terms of Service and User's agreement to be bound by such change(s).

Any new or additional features of this website shall be subject to this Terms of Service.
Our contact information is: 2101 Pear St # 461 Pinole, CA 94564. Please contact us immediately if you believe any information or item on this Website violates any copyright or other right of any third party.
User agrees that use of this website and any part of this Website is solely at the risk of the User.



this website and all services offered therein are provided on a strictly "AS IS" and "AS AVAILABLE" basis, without representation or warranty (including any implied warranties) of any kind.

Neither this website nor its Sponsors makes any warranty:

That this website will meet User's requirements.

That this website will be uninterrupted, timely, free of errors or without defects.

As to the results a User may obtain by using this website.

As to the accuracy, completeness, currency or reliability of any information obtained via this website including but not limited to the offers provided by Sponsors.



this website EXPRESSLY DISCLAIMS ANY AND ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES, OTHER THAN AS OTHERWISE SET FORTH IN THIS TERMS OF SERVICE, REGARDING this website, INFORMATION, SERVICES OR GOODS PROVIDED BY OR THROUGH this website (OTHER THAN THOSE INCAPABLE OF EXCLUSION UNDER THE LAWS APPLICABLE TO THIS TERMS OF SERVICE), INCLUDING, BUT NOT LIMITED TO:

THE IMPLIED WARRANTY OF MERCHANTABILITY;

THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR USER OR PURPOSE; AND

NON-INFRINGEMENT.



this website makes no warranty with regard to any products, services, or gifts obtained by Users through this website' Sponsors. this website cannot and shall not be liable or responsible for those guarantees, warranties and representations, if any, offered by Sponsors, manufacturers of merchandise or suppliers of services. However, the third party manufacturer or supplier of these Product(s) may offer its own warranties, and you agree to look solely to such manufacturer or supplier for any warranty related claims.

YOU ARE RESPONSIBLE FOR TAKING ALL NECESSARY PRECAUTIONS TO ENSURE THAT ANY CONTENT YOU MAY OBTAIN FROM THE WEBSITE OR FROM LINKED WEBSITES IS FREE OF VIRUSES OR SIMILAR DESTRUCTIVE PROGRAMS.

YOU AGREE THAT this website SHALL NOT BE LIABLE FOR ANY CLAIM OR DAMAGES RELATED TO ANY LOSS, DESTRUCTION, OR ALTERATION OF DATA RELATED TO YOUR USE OF THE WEBSITE. THE FOREGOING DISCLAIMER INCLUDES BUT IS NOT LIMITED TO RELIANCE BY YOU OR ANY THIRD PARTY ON ANY CONTENT OR INFORMATION OBTAINED THROUGH THE USE OF THE WEBSITE, OR ANY DAMAGE OR HARM RESULTING FROM ANY MISTAKES OR OMISSIONS IN, OR DELAYS IN TRANSMISSION OF, INFORMATION TO OR FROM THE WEBSITE, INTERRUPTIONS IN TELECOMMUNICATIONS CONNECTIONS TO THE WEBSITE, OR VIRUSES, WHETHER CAUSED IN WHOLE OR IN PART BY NEGLIGENCE, ACTS OF GOD, TELECOMMUNICATIONS FAILURE, THEFT OR DESTRUCTION OF, OR UNAUTHORIZED ACCESS TO THE WEBSITE, OR RELATED INFORMATION OR PROGRAMS.

No advice or information, whether oral or written, obtained by a User from this website or via this website shall create any warranty not expressly made herein.
User understands that this website and/or Sponsors may place restrictions on the use of goods and services offered through this website.

User understands that all goods and services offered by Sponsors through this website are offered by third parties, and that this website does not operate, control or endorse any information, goods or services of its Sponsors in any way.

ANY LIABILITY THAT MAY ARISE FROM A PRODUCT(S) OR SERVICE(S) SHALL BE LIMITED TO THE PRICE PAID FOR SUCH PRODUCT(S) OR SERVICE(S), NOT TO EXCEED U.S. $ 100.00.

YOU AGREE THAT NEITHER this website, NOR ANY PERSON OR COMPANY ASSOCIATED WITH this website, NOR ITS OFFICERS, DIRECTORS, STOCKHOLDERS, SUBSIDIARIES, EMPLOYEES, AGENTS, VENDORS, LICENSORS, AFFILIATES OR OTHER THIRD-PARTY PROVIDERS (COLLECTIVELY, THE “COVERED ENTITIES”) SHALL BE HELD LIABLE FOR ANY DAMAGES OR LOSSES, WHETHER DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM:

The use or inability to use this website or the materials on this website;

The cost of procurement of substitute goods or services;

Any transaction entered into or through this website;The reliance on or use of any information, goods, services or merchandise provided on this website;

Unauthorized access to or alteration of User's transmissions or data;

Statements or conduct of any third party;

Any claim attributable to errors, omissions or other inaccuracies in this website and/or materials or information retrieved through this website; or

Any other matter relating to this website or this Terms of Service;

The purchase of Product(s) or Service(s) through this website.

THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS ALL LOSSES AND CLAIMS OF ANY TYPE INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, RELIANCE, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION.

THE TOTAL LIABILITY OF COVERED ENTITIES FOR LOSSES, DAMAGES, OR CLAIMS OF ANY KIND SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $ 100.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE COVERED ENTITIES BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE WEB SITE OR MATERIALS ARE EXCLUDED EVEN IF THE COVERED ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The above limitation is applicable even if this website or its authorized representatives have been advised of (or know or should have known of) the possibility of such damages.

Because some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, some of the above limitations and disclaimers may not apply to User. User's rights vary from jurisdiction to jurisdiction. To the extent that this website may not, as a matter of applicable law, disclaim any implied warranty, the scope and duration of such warranty shall be the minimum permitted under such applicable law.

User acknowledges and agrees that this website neither endorses the contents of any electronic mail, Internet communications, physical mail or other communications in any media nor shall this website be held responsible or liable for:

The accuracy of material contained in electronic mail, Internet, or other communications.

Any infringement of third-party intellectual property rights arising from the electronic mail, Internet, or other communications.

Any fraud or other crime facilitated by the electronic mail, Internet, or other communications.

User agrees that this website is not liable to User or to any third party for any modification, suspension or discontinuance of any part or all of this website, including changes or discontinuances of service from particular providers to this website, which may affect the amount of the this website Credit offered or the accrual of this website Balances.

You will not have the power or authority to, and agree that you will not, obligate or attempt to obligate this website in any manner whatsoever.

this website is void where prohibited by law.
The Terms of Service shall be governed by and construed according to the laws of the state of California as applied to agreements made, entered into and performed entirely in California, notwithstanding the actual residence of the parties.

The Terms of Service constitutes the complete, final and exclusive understanding between this website and User relating to the subject matter hereof and governs User's use of this website, superseding all prior or contemporaneous understandings, agreements, communications, and/or advertising with respect to such subject matter.

User may be subject to additional Terms of Services that may apply when User obtains or uses third-party content, third-party software or goods and services provided by or through Sponsors or other third parties.

If any provision(s) of the Terms of Service is (are) held by a court of competent jurisdiction to be invalid, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties, and all other provisions shall remain in full force and effect.

this website's failure to exercise or enforce any right or provision of this Terms of Service shall not constitute a waiver of such right or provision unless acknowledged and agreed to by this website in writing.

User agrees that notwithstanding any statute or law to the contrary, any claim or cause of action arising out of, or related to, the use of this website or this Terms of Service must be filed within one (1) year after the claim or cause of action arose or be forever barred.

Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Terms of Service. this website may assign its rights and delegate its duties under this Terms of Service to any party at any time without notice to User. All headings in this Terms of Service are for convenience only and have no legal effect.

Any dispute arising under or in respect of this Terms of Service shall be resolved through binding arbitration in San Francisco, California, in front of a single arbitrator in accordance with the Commercial Arbitration Rules of the American Arbitration Association.
The provision by this website of a link to any other Website or Internet location is for User's convenience only and does not signify this website's endorsement of such other site or location or its contents. While this website endeavors to provide links only to those sites that are reputable and safe, this website and/or this website shall not be held responsible for the information, products, or services obtained on such other sites and will not be liable for any damages arising from your access to such sites. Any links to other sites are provided merely as a convenience to the users of this Website and any inclusion of such links and frames in this Website does not imply an endorsement of the linked or framed sites or their content.
User agrees to indemnify and hold harmless this website and its subsidiaries, affiliates and their respective officers, directors, employees, agents, vendors, licensors, suppliers, co-branders, third-party providers or other Sponsors, from and against any and all claims, losses, costs (including court costs), fees (including attorney's fees), damages and expenses that such parties may incur as a result of, due to, or arising out of the violation by User (or anyone acting under User's account or password) of this Terms of Service or the use or misuse of this website by User (or anyone acting under User's account or password), or the violation of any rights of another by User (or anyone acting under User's account or password). This paragraph survives expiration or termination of your membership or these Terms of Service.
You agree that in the event you have or may have any alleged claim against this website or any Covered Entity, you shall pursue such claim only in your individual capacity, and you shall not agree to join or be a part of any class action, consolidated action, or similar action. You also agree that your damages are limited as set forth elsewhere in these Terms of Use and that you are not eligible to receive, and shall not seek, attorney fees in relation to any claim you have or may have against this website or any Covered Entity.
User acknowledges that this website may establish general practices and limits concerning use of this website, including, without limitation, the maximum number of days that information, data, account history or other uploaded content will be retained by this website, the maximum disk space that will be allotted on this website's servers on User's behalf, and the maximum number of times (and the maximum duration for which) User may access this website in a given period of time.

User acknowledges that this website reserves the right to terminate accounts that are inactive for an extended period of time, as determined by this website in our sole discretion. User further acknowledges that this website reserves the right to change these general practices and limits at any time, in our sole discretion, with or without notice.

User agrees that this website has no responsibility or liability for the deletion or failure to store any information or data and other communications or other content maintained or transmitted by or through this website.
The provisions of User Conduct , Proprietary Rights to Content) and Website and Program Termination through Survival shall survive any termination of this Terms of Service.
Failure of this website to insist upon strict performance of any provisions of this Terms of Service shall not be deemed a waiver of its right and remedies. If any provision of this Terms of Service is deemed by a court to be unenforceable, the remainder shall remain in full force and effect.

Privacy Policy

This website collects user submitted information such as name and email address to authenticate users and to send notifications to those users relating to the this website service. Information of non-profit/charity organization submitted to this website will be available to all users if such organization is approved to be listed in our site. this website also collects other profile data including but not limited to: personal interests, gender, age, education and occupation in order to assist advertisers to communicate the right advertisements to members.

This website also logs non-personally-identifiable information including IP address, profile information, aggregate user data, and browser type, from users and visitors to the site. This data is used to manage the website, track usage and improve the website services. This non-personally-identifiable information may be shared with third-parties to provide more relevant services and advertisements to members. User IP addresses are recorded for security and monitoring purposes.

User Profile information including users' username are displayed to people in order to facilitate user interaction in the this website community network. Email addresses are used for the purposes of inviting new friends or advertisers to join Semicontek, to add users to members' referrals' networks, and to send notifications related to the service. With the exception of inviting friends, adding friends, and notifications, a user's email address is not shared or displayed to other members. Members have the choice to choose to share their email addresses with the advertisers if the members decide to receive the incentives from advertisers that required members to share their email addresses with the advertisers. Users' full names are never directly revealed to other users.

We may also use a user's email address to send updates, a newsletter or news regarding the service. Users may choose not to receive email of this type by unclick the communication box and click the update button of the "Personal Contact" section to change the status to "Not Receiving" in the user "My Profile". From time to time, this website or its partners may sponsor a promotion, sweepstake or contest on this website. Users may be asked to provide personal information including name, email address or home address or to answer questions in order to participate. We may transfer personal information to certain ad partners that you have explicitly requested to receive information from. It will be clear at the point of collection who is collecting the personal information and whose privacy statement will apply.
Semicontek members can invite visitors to join the service by sending emails that contain referral links or place the referral links in any web sites that do not violate the Terms Of Service.
this website uses cookies to store visitors' preferences and to record session information, for purposes including ensuring that visitors are not repeatedly offered the same advertisements and to customize newsletter, advertising, and Web page content based on browser type and user profile information. We do not link the information we store in cookies to any personally identifiable information you submit on our site. You may be able to configure your browser to accept or reject some cookies, or notify you when a cookie is set -- each browser is different, so check the "Help" menu of your browser to learn how to change your cookie preferences -- however, you must enable cookies from this website in order to login and use most functions on the site. Please note that Semicontek allows 3rd party advertisers that are presenting advertisements on some of our pages to set and access their cookies on your computer. Advertisers' use of cookies is subject to their own privacy policies, not the Semicontek Privacy Policy.
this website contains links to sites. this website is not responsible for the privacy policies and/or practices on other sites. When linking to another site a user should read the privacy policy stated on that site. Our privacy policy only governs information collected on this website.
this website users may modify or remove any of their personal information at any time by logging into their account and accessing features such as My Profile.
Users who no longer wish to receive any updates or notifications may choose not to by unclick the communication box and click the update button of the "Personal Contact" section to change the status to "Not Receiving" in the user "My Profile". By opting-out of those communications, users will not be informed of any offers or status of the account that concern users' accounts.
this website user accounts are secured by user-created username and passwords. this website takes precautions to insure that user account information is kept private. We use reasonable measures to protect user information that is stored within our database, and we restrict access to user information to those employees who need access to perform their job functions, such as our customer service personnel and technical staff. Please note that we cannot guarantee the security of user account information. Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of user information at any time.
Except as otherwise described in this privacy statement, Semicontek will not disclose personal information to any third party unless we believe that disclosure is necessary:

(1) to conform to legal requirements or to respond to a subpoena, search warrant or other legal process received by this website, whether or not a response is required by applicable law;

(2) to enforce the this website Terms of Service or to protect our rights; or

(3) to protect the safety of members of the public and users of the service. Semicontek reserves the right to transfer personal information to a successor in interest that acquires rights to that information as a result of the sale of Semicontek or substantially all of its assets to that successor in interest. For more information see the "Changes in Our Privacy Policy" section below.
From time to time we may make changes to our privacy policy. If we make changes, we will post them on our site to make users aware of what the changes are so users will always be aware of what information we collect, how we use it, and when we may disclose it. A User is bound by any minor changes to the policy when she or he uses the site after those changes have been posted. If, however, we are going to use users' personally identifiable information in a manner materially different from that stated at the time of collection we will notify by posting a notice on our Web site for 30 days.
If you have any questions or comments about this privacy statement, desire not to receive information about products or services we think may be of interest to you, please contact us or send us a letter by first class postage prepaid U.S. mail or overnight courier to the following address:

agency.ac

2101 Pear St # 461 Pinole, CA 94564

California Consumer Privacy Act

This California Privacy Notice (“Notice”) is for California residents and supplements our Data Policy. It explains how we collect, use, and share your Personal Information and how to exercise your rights under the California Consumer Privacy Act (“CCPA”).

When we say “Personal Information” in this Notice, we mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with you. Personal Information does not include information that is aggregated or information that cannot be reasonably linked to you.
To provide the products or features offered on our website, we must process information about you, including Personal Information, whether or not you are registered or logged in. Subject to the limitations we describe in our Data Policy, we may share your Personal Information for business purposes with strict restrictions on how our partners can use and disclose the data we provide, at your direction, or in ways otherwise in accordance with the CCPA. We don’t sell any of your Personal Information, and we never will.
We receive Personal Information from the information that you and others provide, from your device(s), and from our partners. The categories of sources from which we’ve collected or received Personal Information include: You: We collect the content, communications, and other information you provide when you use our Products, including when you sign up for an account, create or share content, and message or communicate with others. We collect information about the people, pages, accounts, hashtags, and groups you are connected to, and how you interact with them across our Products, such as the people you communicate with the most or the groups you are part of. We also collect information about how you use our Products such as the types of content you view or engage with, the features you use, the actions you take, the people or accounts you interact with, and the time, frequency, and duration of your activities.

Your device(s): We collect information from and about the computers, phones, connected TVs, and other web-connected devices you use that integrate with our Products, and we combine this information across different devices you use.

Under the CCPA, you have the following rights: Right to Know: You have the right to request that we disclose to you the Personal Information we collect, use, or disclose, and information about our data practices;

Right to Request Deletion: You have the right to request that we delete your Personal Information that we have collected from you;

Right to Non-Discrimination: We will not discriminate against you for exercising any of these rights.

To exercise your “right to know” or your “right to request deletion,” contact us.

Please note that to protect your information and the integrity of our Products, we may need to verify your identity before processing your request. In some cases we may need to collect additional information to verify your identity, such as a government issued ID.

Under the CCPA, you may exercise these rights yourself or you may designate an authorized agent to make these requests on your behalf. In most cases, we will facilitate your request through automated tools available through your password-protected account.

Cookies Policies

Cookies are small pieces of text used to store information on web browsers. Cookies are used to store and receive identifiers and other information on computers, phones and other devices. Other technologies, including data we store on your web browser or device, identifiers associated with your device, and other software, are used for similar purposes. In this policy, we refer to all of these technologies as “cookies.”


We use cookies when you visit our website. Cookies enable us understand the information we receive about you.


This policy explains how we use cookies and the choices you have. Except as otherwise stated in this policy, the Data Policy will apply to our processing of the data that we collect via cookies.

Cookies help us provide, protect and improve our content, such as by personalising content, tailoring and measuring ads, and providing a safer experience. The cookies that we use include session cookies, which are deleted when you close your browser, and persistent cookies, which stay on your browser until they expire or you delete them. While the cookies that we use may change from time to time as we improve and update our services, we use them for the following purposes:

Authentication

We use cookies to verify your account and determine when you’re logged in so we can make it easier for you to access the website and show you the appropriate experience and features.

Security, site and product integrity

We use cookies to help us keep your account, data safe and secure. We also use cookies to combat activity that violates our policies or otherwise degrades our ability to provide services.

Site features and services

We use cookies to enable the functionality that helps us provide the relevant content to user. We also use cookies to help provide you with content relevant to your locale.

Performance

We use cookies to provide you with the best experience possible.

Analytics and research

We use cookies to better understand how people use the website so that we can improve them.
We may place cookies on your browser, and receive information stored in cookies, when you use or visit our website.

Data Policy

Things you and others do and provide.

  • Information and content you provide. We collect the content, communications and other information you provide when you use our website, including when you sign up for an account, create or share content, and message or communicate with others. This can include information in or about the content you provide (like metadata), such as the location of a photo or the date a file was created.

    Your usage.We collect information about how you use our Products, such as the types of content you view or engage with; the features you use; the actions you take; the people or accounts you interact with; and the time, frequency and duration of your activities. For example, we log when you're using and have last used our Products, and what posts, and other content you view on our Products. We also collect information about how you use features.



Device Information

As described below, we collect information from and about the computers, phones, connected TVs and other web-connected devices you use that integrate with our Products, and we combine this information across different devices you use. For example, we use information collected about your use of our Products on your phone to better personalize the content (including ads) or features you see when you use our Products on another device, such as your laptop or tablet, or to measure whether you took an action in response to an ad we showed you on your phone on a different device.

Information we obtain from these devices includes:

Device attributes: information such as the operating system, hardware and software versions.

Network and connections: information such as the name of your mobile operator or ISP, language, time zone, and IP address.

Cookie data: data from cookies stored on your device, including cookie IDs and settings.

Provide measurement, analytics, and other business services.

We use the information we have (including your activity off our Products, such as the websites you visit and ads you see) to help advertisers and other partners measure the effectiveness and distribution of their ads and services, and understand the types of people who use their services and how people interact with their websites, apps, and services.

Promote safety, integrity and security.

We use the information we have to verify accounts and activity, combat harmful conduct, detect and prevent spam and other bad experiences, maintain the integrity of our Products, and promote safety and security on our website.

Communicate with you.

We use the information we have to send you marketing communications, communicate with you about our Products, and let you know about our policies and terms. We also use your information to respond to you when you contact us.

Research and innovate for social good.

We use the information we have (including from research partners we collaborate with) to conduct and support research and innovation on topics of general social welfare, technological advancement, public interest, health and well-being.

We store data until it is no longer necessary to provide our services, or until your account is deleted - whichever comes first. This is a case-by-case determination that depends on things like the nature of the data, why it is collected and processed, and relevant legal or operational retention needs. If you submit a copy of your government-issued ID for account verification purposes, we delete that copy 30 days after review, unless otherwise stated.
We access, preserve and share your information with regulators, law enforcement or others:

In response to a legal request (like a search warrant, court order or subpoena) if we have a good faith belief that the law requires us to do so. This may include responding to legal requests from jurisdictions outside of the United States when we have a good-faith belief that the response is required by law in that jurisdiction, affects users in that jurisdiction, and is consistent with internationally recognized standards.

When we have a good-faith belief it is necessary to: detect, prevent and address fraud, unauthorized use of the Products, violations of our terms or policies, or other harmful or illegal activity; to protect ourselves (including our rights, property or Products), you or others, including as part of investigations or regulatory inquiries; or to prevent death or imminent bodily harm. For example, if relevant, we provide information to and receive information from third-party partners about the reliability of your account to prevent fraud, abuse and other harmful activity on and off our Products



Information we receive about you can be accessed and preserved for an extended period when it is the subject of a legal request or obligation, governmental investigation, or investigations of possible violations of our terms or policies, or otherwise to prevent harm. We also retain information from accounts disabled for terms violations for at least a year to prevent repeat abuse or other term violations.
We'll notify you before we make changes to this policy and give you the opportunity to review the revised policy before you choose to continue using our Products.
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Last Updated on February 7, 2021