AbstractNow

Disclaimer

THE SERVICES ARE OFFERED ON AN "AS IS," "WHERE IS" AND "WHERE AVAILABLE" BASIS, WITH NO WARRANTY OF ANY KIND-WHETHER EXPRESS, IMPLIED OR STATUTORY-INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DOES NOT AFFECT THOSE WARRANTIES WHICH INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

YOU ACKNOWLEDGE THAT NEITHER AVANZE, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SERVICES OR THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES OR THE SITE, OR AS TO THE TIMELINESS, SEQUENCE, ACCURACY, RELIABILITY, COMPLETENESS OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH THE SERVICES AND THE SITE. AVANZE DOES NOT ENDORSE PRODUCTS OR SERVICES APPEARING ON LINKED SITES OR PURCHASED VIA LINKED SITES. (THIS DOES NOT AFFECT ANY MANUFACTURER'S WARRANTIES THAT THE PROVIDERS OF THE LINKED SITES OTHERWISE OFFER.)

EXCEPT AS SPECIFICALLY PROVIDED IN THIS AGREEMENT OR WHERE THE LAW REQUIRES A DIFFERENT STANDARD, YOU AGREE THAT AVANZE IS NOT RESPONSIBLE FOR ANY LOSS, PROPERTY DAMAGE OR BODILY INJURY, WHETHER CAUSED BY ACCESS TO OR USE OF THE SERVICES OR THE SITE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, AVANZE WILL NOT BE RESPONSIBLE TO YOU OR ANY THIRD PARTY CLAIMING THROUGH YOU FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF THE INSTALLATION OR USE OF THE SERVICES, THE SITE, ANY ON-LINE SERVICES OR INTERNET BROWSER SOFTWARE, INCLUDING LIABILITY ASSOCIATED WITH ANY COMPUTER VIRUSES WHICH MAY INFECT YOUR COMPUTER SYSTEM.

General

Avanze reserves the right to modify these Terms of Use at any time without notice, but the most current version of the Terms of Use will always be available to you by clicking on the link at the bottom of the Site. If you find the Terms of Use unacceptable at any time, you may discontinue your use of the Services. By continuing to use the Services after the date of any change to these Terms of Use, including accessing the Site, you agree to be bound by the rules contained in the most recent version of this Agreement.

The information on this site is intended as a courtesy to the website viewers and all information contained on this web site is subject to change without notice. Avanze reserves the right to modify or terminate the Services and the Site or to terminate your access to the Services and Site, in whole or in part, at any time. These Terms of Use constitute a contract between you and Avanze.

Avanze maintains this website in order to provide information about Avanze’s products and services. Avanze has tried to provide accurate and relevant information, however, the contents of this site may, at times, include various inaccuracies or errors. In order to obtain the most relevant information interested visitors should contact Avanze directly by email atinfo@avanzegroup.com

Copyright

The contents of this website are subject to the copyright of Avanze and may not be duplicated or retransmitted without the express written consent of Avanze.

Privacy

We understand the need to safeguard your information and records from unauthorized use and disclosure. Please see the Avanze Privacy Policy.

Misuse or unauthorized use

Unauthorized entry into the non-public areas of this website is prohibited as is the misuse of passwords. In addition, use of this website and the information contained within is strictly limited to the purposes intended, and this website may not be used for any other purpose.

Indemnification

You agree to defend, indemnify and hold harmless Avanze, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of your violation of these Terms of Use or misuse of the Service or this Site, including such violation or misuses conducted by your employee or agent, if applicable.

Your consent to this privacy notice

You consent to the collection and use of your information by Avanze in compliance with this Privacy Policy by your submitting Personal Information to Avanze or using our services, unless you inform us otherwise, as allowable by law. Your available information choices are set forth below.

Types of information collected

To perform our services, we may collect certain information from you, and third parties we engage may also collect such information to host, configure, maintaining, operating, administering, designing, and supporting our systems, and to provide services to the Financial Entities with whom you do business. We do not share your Personal Information with third parties other than as set forth in this Privacy Policy. Each Financial Entity’s privacy notice shall apply to you and your Personal Information, and you should refer to those privacy notices to understand how the Financial Entity uses and processes your Personal Information. Avanze is not responsible, nor liable, for the practices, privacy notices, and their content, of third parties, including the Financial Entities with whom we, and you, do business.Personal Information that Avanze may collect includes, but is not limited to, the following categories of information (“Personal Information”):

• Contact (i.e., first/last name, mailing or property address, phone number, email address)
• Loans (i.e., loan number, account number)
• Other personal information required by Financial Entities in order to provide services to you
• Payment information

Browsing information

Like most online services, we collect standard technical, information when you use our Services, including, but not limited to unique device identifiers, internet protocol (IP) addresses, browser types, internet service providers (ISPs), the number and duration of page visits and the number of clicks. We may use cookies, which are small pieces of data stored on your device which include an anonymous unique identifier, for session purposes. We may use tracking systems for certain systems, and we recognize Do Not Track requests from internet browsers or similar devices concerning consumers, but not for Financial Institution employees acting within the scope of their employment.

How we collect information

Information about you may be collected by Avanze from the following sources:

• From you directly and through our site: We may collect information through the Website when you visit. The data we collect depends on the context of your interactions with our Website.
• Through business interaction: We may collect information through business interaction with you or your employees.
• From other sources: We may receive information from other sources, such as public databases; joint marketing partners; social media platforms; or other third parties such as:
• Updated delivery and address information from our carriers or other third parties, which we use to correct our records and deliver your next purchase or communication more easily.
• Information about your interactions with the products and services offered by our subsidiaries.

Use of collected information

We collect information primarily to provide better services to all our customers.

• a. We collect the following information from you when you use or signup on our Website: Name, Email Address, Phone Number, Billing Address, and Credit card details
• b. When you visit our Site, some information is automatically collected. This may include information such as the Operating Systems (OS) running on your device, Internet Protocol (IP) address, access times, browser type, and language, and the website you visited before our Site. We also collect information about how you use Our products or services.
• c. We automatically collect purchase or content use history, which we sometimes aggregate with similar information from other customers to create features such as Best Seller, Top Rated, etc...
• d. The full Uniform Resource Locators (URL) clickstream to, through, and from our website (including date and time); cookie number; products and/or content you viewed or searched for; page response times; download errors; length of visits to certain pages; page interaction information (such as scrolling, clicks, and mouse-overs).
• e. We automatically collect information using "Cookies". Cookies are small data files stored on your hard drive the websites. Among other things, cookies help us improve our Site, our marketing activities, and your experience. We use cookies to see which areas and features are popular and to count visits to our Site.
• f. Most Web browsers are set to accept cookies by default. If you prefer, you can choose to set your browser to remove cookies and to reject cookies. If you set your browser to reject cookies, some features will be unavailable. For more information on how to reject cookies, see your browser's instructions on changing your cookie settings.
• g. By using this Website, you are agreeing that We may advertise your feedback on the Website and marketing materials.
• h. We will retain your information as long as we require this to provide you with the goods and services and for such period as mandated by the concerned laws.
• i. If you opt to receive marketing correspondence from us, subscribe to our mailing list or newsletters, enter into any of our competitions or provide us with your details at networking events, we may use your personal data for our legitimate interests in order to provide you with details about our goods, services, business updates, and events.

When information is disclosed

We are permitted by law to provide your Personal Information to various companies and individuals, without obtaining your permission. Certain laws do not allow you to restrict these disclosures. In the section below entitled, “Your Information Choices,” we share with you how to limit certain disclosures of your Personal Information. Avanze may disclose information including, but not limited to, the following situations, to affiliates and third parties, unless otherwise restricted by applicable law:

• To third parties to provide you with services you have requested, and to enable us to detect or prevent fraud, misrepresentation, or criminal activity
• To third parties that provide services on our behalf and use the information only in connection with such services
• To law enforcement or other government authorities in connection with an investigation, civil or criminal subpoena, or court order
• To other third parties with whom you have given us written, including electronic, authorization to disclose your Personal Information
• To investigate potential unauthorized use of our Information Channel
• To share and use, for any purpose, the Personal Information if it is in an aggregated, anonymized form so that you are not identified (collectively, “De-Identified Data”)
• In connection with a sale, transfer, or other disposition of all or part of Avanze’s business/assets, or the event of bankruptcy, reorganization, receivership, insolvency, or assignment for the benefit of creditors
• For any purpose disclosed by us to you when you provide the information, and as directed by you, or with your permission (i) to understand and analyze trends and preferences; (ii) to monitor and analyze our Services’ effectiveness; (iii) to improve our Services and develop new products, services, features, and functionality; (iv) to personalize our Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Services, and (v) to provide customized content and information.

Data Transfer

• Information about our users is an important part of our business and we take due care to protect the same.
• We share your data with your consent or to complete any transaction or provide any product or service you have requested or authorized. We also share data with our affiliates and subsidiaries, with vendors working on our behalf.
• We may employ other companies and individuals to perform functions on our behalf. The functions include fulfilling orders for products or services, delivering packages, sending postal mail and e-mail, removing repetitive information from customer lists, providing marketing assistance, providing search results and links (including paid listings and links), processing payments, transmitting content, scoring credit risk, and providing customer service.
• These third-party service providers have access to personal information needed to perform their functions but may not use it for other purposes. Further, they must process the personal information in accordance with this Privacy Policy and as permitted by applicable data protection laws.
• We release account and other personal information when we believe is appropriate to comply with the law, enforce or apply our conditions of use, and other agreements, protect the rights, property, or safety of Us, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction.

COOKIES

• To optimize our web presence, we use cookies. These are small text files stored on your computer's main memory. These cookies are deleted after you close the browser. Other cookies remain on your computer (long-term cookies) and permit its recognition on your next visit. This allows us to improve your access to our site. This helps us to learn more about your interests, and provide you with essential features and services and for additional purposes, including:
• Keeping track of items stored in your shopping basket.
• Conducting research and diagnostics to improve the content, products, and services.
• Preventing fraudulent activity.
• Improving security.
• Our cookies allow you to take advantage of some of our essential features. For instance, if you block or otherwise reject our cookies, you will not be able to add items to your shopping basket, proceed to checkout, or use any products or services that require you to sign in.
• Approved third parties also may set cookies when you interact with Our services.
• Third parties include search engines, providers of measurement and analytics services, social media networks, and advertising companies.
• Third parties use cookies in the process of delivering content, including ads relevant to your interests, to measure the effectiveness of their ads, and to perform services on behalf of Us.
• You can prevent the storage of cookies by choosing a "disable cookies" option in your browser settings. But this can limit the functionality of our services.

Data Security

• We take due care to protect customer data. Technical measures are in place to prevent unauthorized or unlawful access to data and against accidental loss or destruction of, or damage to, data. The employees who are dealing with the data have been trained to protect the data from any illegal or unauthorized usage.
• We work to protect the security of your information during transmission by using Secure Sockets Locker (SSL) software, which encrypts information you input. SSL allows sensitive information such as credit card numbers, UID's and login credentials to be transmitted securely.
• We follow the Payment Card Industry Data Security Standard (PCI DSS) when handling branded credit cards from the major card schemes.
• We maintain physical, electronic, and procedural safeguards in connection with the collection, storage, and disclosure of personal customer information.
• We take reasonable steps to help protect your personal information in an effort to prevent the loss, misuse, and unauthorized access, disclosure alteration, and destruction. It is your responsibility to protect your usernames and passwords to help prevent anyone from accessing or abusing your accounts and services. You should not use or reuse the same passwords you use with other accounts as your password for our services.
• It is important for you to protect against unauthorized access to your password and your computers, devices, and applications. Be sure to sign off when you finish using a shared computer.
• Information you provide to us is shared on our secure servers. We have implemented appropriate physical, technical and organizational measures designed to secure your information against accidental loss and unauthorized access, use, alteration, or disclosure. In addition, we limit access to personal data to those employees, agents, contractors, and other third parties that have a legitimate business need for such access.
• Information collected from you will be stored for such period as required to complete the transaction entered into with you or such period as mandated under the applicable laws.

Links to Third Party Site/Apps

Our Site may, from time to time, contain links to and from other websites of third parties. Please note that if you follow a link to any of these websites, such websites will apply different terms to the collection and privacy of your personal data, and we do not accept any responsibility or liability for these policies. When you leave our Site, we encourage you to read the privacy policy of every website you visit.

Your information choices

Avanze may use your Personal Information for the following purposes, which such use cannot be limited by you:

• For our everyday business purposes – to process your transactions, respond to law enforcement or other government authorities regarding an investigation, and subpoenas or court orders
• For our own marketing purposes
• For joint marketing with financial companies
• For our affiliates’ everyday business purposes, we may share information about your transaction and experiences

You may choose to prevent Avanze from disclosing or using your Personal Information in the following circumstances

• For our affiliates’ everyday business purposes – information about your credit worthiness
• For our affiliates to market to you

Updates and corrections

Updates and correctionsTo update or correct your Personal Information in our possession, please contact us as specified in this Privacy Policy. Please be advised, in those cases where we are acting as a third-party service provider to a Financial Institution, you must contact your Financial Institution to update or correct your Personal Information. (See the California Online Privacy Protection Act below for additional information.) California Residents: Under California’s “Shine the Light” law, California residents who provide certain personally identifiable information in connection with obtaining products or services for personal, family, or household use are entitled to request and obtain from us, limited to once a calendar year, information about the customer information we may have shared (if any) with other businesses for their own direct marketing uses. If applicable, this information would include the categories of customer information and the names and addresses of those businesses with which we shared customer information for the immediately prior calendar year (e.g., requests made in 2018 will receive information regarding 2017 sharing activities, if any). To obtain this information, please send an email message to compliance@avanzegroup.com with “Request for California Privacy Information” in the subject line and in the body of your email. We will provide the requested information to you at your email address in response. Please be aware that not all information sharing is covered by the “Shine the Light” requirements, and only information on covered sharing will be included in our response. California users are entitled, under California Civil Code Section 1789.3, to the following consumer rights notice: If you have a question or complaint regarding the services or products provided through our systems, please send an email to compliance@avanzegroup.com. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210. For Nevada Residents: Nevada law allows marketing calls to existing customers even if you are listed on the national Do Not Call list; however, we do not market to consumers. 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; email: BCPINFO@ag.state.nv.us.For Oregon Residents: We will not share your Personal Information and/or Browsing Information with non-affiliated third parties for marketing purposes, except after you have been informed by us of such sharing and had an opportunity to notify us that you do not want us to disclose your Personal Information for marketing purposes.For Vermont Residents: We will not share your Personal Information and/or Browsing Information with non-affiliated third parties, except as permitted by Vermont law, such as to process your transactions or to maintain your account. We will not share information about your creditworthiness with our Affiliates except with your authorization. For joint marketing in Vermont, we will only disclose your name, contact information, and information about your transactions.

The California Online Privacy Protection Act

As noted above, in many instances we are acting as a third-party service provider to a Financial Institution. In those instances, we may collect certain information on behalf of such Financial Institution. During these transactions, we may collect some or all of the information on behalf of the Financial Institution that is described in the section above-titled Types of Information Collected. Your submitted information is then transferred to your Financial Institution by way of our services. The Financial Institution is solely responsible for taking action or making changes to any consumer information that is submitted through our systems. If you believe that your user information is incorrect, you must contact your Financial Institution. We generally retain the information that you submit to us for 90 days. In some instances, we may retain the information indefinitely as not otherwise restricted by law or order. If we receive a timely request from you, we can provide the information to the applicable Financial Institution that is acting on your behalf before we purge our workspace of such information. If you are receiving consumer services and have questions regarding the choices you have with regard to your personal information or how to access or correct your personal information, you should contact your Financial Institution

Changes to This Policy

We may change this policy from time to time. If we make any changes to this policy, we will change the "Last Updated" date above. You agree that your continued use of our services after such changes have been published to our services will constitute your acceptance of such revised policy.

Newsletter

Following subscription to the newsletter, your e-mail address is used for our advertising purposes until you cancel the newsletter again. Cancellation is possible at any time. The following consent has been expressly granted by you separately, or possibly in the course of an ordering process: (I am accepting to receive newsletter from this website), you may revoke your consent at any time with future effect. If you no longer want to receive the newsletter, then unsubscribe by clicking on unsubscribe option given in the email footer.

If you have any concern about privacy or grievances with Us, please contact us with a thorough description and we will try to resolve the issue for you.

Avanze Tech Labs, Inc.
Attn: Legal Department
4725 W Sand Lake Rd, Ste 105
Orlando, FL 32819
Email: compliance@avanzegroup.com