Terms & Conditions

These General Terms and Conditions (the "Agreement") are part of the contract to which they are attached and apply to your use of any marketing data, email data, or services provided by Preventia Data Innovations LLC ("we," "our," or "us"), collectively referred to as the "Data."

01 Limited License

Upon execution of this Agreement and payment of all applicable fees, you are granted a personal, non-transferable, and non-exclusive license to use the Data solely for your direct marketing, market research, and customer prospecting purposes, in strict accordance with this Agreement.

• If no usage period is specified, the license term shall be one (1) year.
• Preventia Data Innovations LLC retains all rights, title, and interest in and to the Data, including all associated intellectual property.
• Upon expiration or termination of the Agreement, you must discontinue use of the Data and, upon request, either: (a) return the Data without retaining any copies or derivatives, or (b) provide written certification that the Data has been permanently destroyed and is unrecoverable.

Cookies

We use cookies to enhance your experience. Cookies are small data files stored on your device to track usage and improve functionality. You may disable cookies via your browser settings, though some features may be affected.

02 Limitations on Use

You agree that you will not:

• (a) Share, sell, transfer, or provide access to the Data to any third party without prior written consent.
• (b) Reference Preventia Data Innovations LLC in any advertising or promotional materials.
• (c) Use the Data for:
  • Consumer credit decisions
  • Insurance underwriting
  • Employment decisions
  • Tenant screening
  • Any purpose governed by the Fair Credit Reporting Act (FCRA)
  • Any unauthorized purpose

03 Your Responsibilities

You agree to comply with all applicable laws and regulations in your use of the Data.

Preventia Data Innovations LLC reserves the right to review and audit your use of the Data to ensure compliance with this Agreement.

04 Disclaimer of Warranties

THE DATA IS PROVIDED "AS IS."

Preventia Data Innovations LLC makes no guarantees regarding the accuracy, completeness, or reliability of the Data and disclaims all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose

You have 14 days from receipt of the Data to report any errors. If reported within this period, we will correct the issue at no additional cost.

05 Limitation of Liability

Except as stated in Section 4, Preventia Data Innovations LLC shall not be liable for any damages, including:

• Direct or indirect
• Incidental or consequential
• Losses or expenses (including legal fees)

Maximum liability shall not exceed the amount paid by you in the 12 months preceding the claim.

06 Indemnification

You agree to indemnify and hold harmless Preventia Data Innovations LLC and its affiliates, officers, employees, and agents from any claims, damages, or expenses arising from:

• Your use of the Data
• Your violation of this Agreement
• Your violation of applicable laws

07 Interruption of Service

Temporary interruptions may occur due to technical reasons. These interruptions:

• Do not create liability
• Do not suspend payment obligations
• Do not entitle you to refunds

08 No Assignment

You may not assign or transfer this Agreement without prior written consent. Any attempted assignment is void.

09 Termination

Preventia Data Innovations LLC may terminate this Agreement immediately if you are suspected of violating its terms and may require immediate return or destruction of the Data.

10 Governing Law

This Agreement shall be governed by the laws of the State of Wyoming.

All disputes shall be resolved exclusively in courts located in Cheyenne, Wyoming, and you consent to their jurisdiction.

11 Payment Terms

(a) Fees

All fees are non-refundable and must be paid as agreed.

(b) Subscription Billing

Subscriptions automatically renew unless canceled. You authorize recurring charges to your payment method.

(c) Late Payments

Unpaid balances will accrue interest at 1.5% per month or the maximum allowed by law.

12 Entire Agreement

This Agreement represents the complete understanding between the parties and supersedes all prior agreements.

Any amendments must be in writing and signed by both parties.

13 File Management Library

You may upload marketing materials ("Marketing Content") to our system.

• You retain ownership of your content
• You grant us permission to host and manage it
• You are responsible for ensuring legal rights to all uploaded content

You agree not to upload content that:

• Violates intellectual property rights
• Promotes illegal activity
• Contains malware

We reserve the right to remove violating content.

14 Execution

This Agreement may be executed electronically, in counterparts, or via scanned copies, all of which are considered legally binding.