PRIVACY POLICY

This policy was last modified on November 11, 2023.

This privacy policy (this “Privacy Policy”) describes how we collect, use, and share data that we obtain through your use of the Internet sites, applications, email and newsletter communications, and online services (the “Site”) operated by, controlled by, or affiliated www.ateetsanghavi.com (collectively, “Ateet Sanghavi”,“Ateet”,“www,ateetsanghavi.com” “we,” “us,” or “our”). If you are a resident of California, please review our California Privacy Policy for additional disclosures required by California law. If you are a resident of the European Union, please review our EU Privacy Policy for additional information relating to your rights.

By using the Site, you agree to the practices described in this Privacy Policy and any updates posted here from time to time. To make sure you stay informed of all changes, you should check this Privacy Policy periodically. Updates will be referenced by the “Last Modified” date shown above.

Table of Contents

Collection of Data
Use of Collected Data
Third-Party Websites
Sharing of Collected Data
Transfer of Collected Data
Data Security
Data Retention
Children and Parents
Our “Do Not Track” (DNT) Policy
Your Data Preferences
California Privacy Policy
EU Privacy Policy
Contact Us

1. Collection of Data

We collect data from you in several different ways on the Site, including personal data and data about your use of the Site which does not identify you personally. Personal data means information, or combination of information, that can reasonably be used to identify you personally (such as your name, phone number, address, and email address).

We collect personal data that you voluntarily provide to us.

We collect personal data that you voluntarily provide to us (such as when you submit an inquiry), including name, email address, and any other data you choose to provide.

We automatically collect data about your use of the Site.

When you access and use the Site, our technology and tools may automatically collect and record certain data about your use of and interaction with the Site that does not identify you personally (such as your IP address, browser type, the make and model of device used to view the Site, unique device identifiers, the referring webpage, pages visited, and search terms).

We also use various tracking technologies (such as cookies and pixel tags) to collect data about your use of and access to the Site. Cookies are small data files stored on your hard drive or in device memory by websites you visit, applications you use, or advertisements you view and help us improve the Site and your experience on the Site. Pixel tags are electronic images that generate a generic notice of a visit to the Site and are used in conjunction with cookies to anonymously track activity on the Site by a particular browser.

Third parties may also automatically collect data about you.

Some content on the Site may be served by third-party content providers and may also use cookies, pixels tags, or other similar tracking technologies to automatically collect data about you, both on the Site and throughout the Internet. We do not control the technologies of those third parties. Data collection and use by those third parties is subject to the privacy policies of those third parties. It is up to you to review the terms of use and privacy policies of those third parties.

2. Use of Collected Data

We use the data we collect to assist in the administration and operation of the Site and to provide you an efficient, meaningful, and customized experience.

We may use data to:

Fulfill our obligations with respect to the reason you voluntarily provided the data (such as responding to an inquiry or provide you with information, products, or services that you request from us or that may be of interest to you);
Allow you to participate in certain features of the Site;
Improve the Site or our products, events, and services and for other business or commercial purposes;
Optimize your experience on the Site (such as troubleshooting technical programs or storing your preferences);
Provide co-branded services and features (such as contests, sweepstakes, or other promotions);
Notify you about changes to the Site (including this Privacy Policy);
Carry out any other purpose described to you at the time the data was collected; and
Carry out any other purpose with your consent or as permitted by law.

Additionally, we may use data for marketing purposes to:

Provide you with additional information regarding products, events, promotions, and services from Ateet Sanghavi and third parties that may be of interest to you via email, text message, or through advertising on various social media platforms or websites (both desktop and mobile) that you may visit; and
Develop, improve, and target our promotional messaging to you and others via retargeting, online behavioral advertising, and use of social media platform tools for advertising (such as creation of Facebook Lookalike Audiences).

You can learn more about Facebook ads HERE and other types of online advertising HERE.

3. Third-Party Websites and Services

Through your use of the Site, you may access, directly or indirectly, other websites or services, including from our service providers, business partners, and other third parties, in each case, that are not owned or controlled by us. Data collection and use by those third parties is subject to the privacy policies of those third parties. It is up to you to review the terms of use and privacy policies of those third parties.

Please note that when you apply for a job with us, the privacy policy of our job applicant processing partner also applies to the submission of your application information.

Please also note that when you sign up to receive text messages from us, the privacy policy of our conversation platform partner also applies to the submission of your personal information. In addition, you agree to receive recurring text messages (which may be marketing and/or automated) from or on behalf of Ateet Sanghavi at the phone number you provided at opt-in. Your consent to receive such text messages is not a condition of purchase. Message and data rates may apply and are billed by and payable to your mobile service provider. Delivery of messages are subject to the effective transmission by your mobile service provider and any policies or terms established by your mobile service provider.

We may share the data we collect as follows:

With our current and future parents, affiliates, subsidiaries, and other companies under common control and ownership;
With our service providers that perform services for us (such as e-mail and mobile marketing, analytics, and web hosting);
With our sponsors, promotional partners, or event partners in connection with certain contests, sweepstakes, promotions, or ticketed events;
With our third-party vendors and partners that sell items, offer promotions, or provide services to you through our services (either alone or jointly with us);
To comply with a court order or other legal obligation, to enforce the Site terms of use, and to protect the rights, property, or safety of our users and other third parties;
With government or law enforcement officials or private parties (including our legal or other professional advisors) as we determine, in our sole and absolute discretion, is necessary or appropriate to respond to claims or to comply with legal processes, laws, regulations, or ordinances, or to prevent or stop illegal, unethical, or actionable activity;
In connection with, or during negotiations of, any merger, acquisition by another company, or sale of all or substantially all of our business or assets; and
With your consent or at your direction.

5. Transfer of Collected Data

The Site is operated in the United States. If you are located in another jurisdiction, please be aware that the data we collect will be transferred to, stored, and processed in the United States. By using the Site and/or providing us with any data, you consent to this transfer, processing, and storage of your data in the United States, a jurisdiction in which the privacy laws may not be as comprehensive as those in the country where you reside or are a citizen such as the European Union. We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Notice. We will take all steps reasonably necessary to ensure that your data is subject to appropriate safeguards and ensure that your data is treated securely and in accordance with this Privacy Policy.

6. Data Security

We use commercially reasonable technical and organizational measures to help secure and safeguard your data in our possession. However, no data transmission over the Internet is completely secure and no security mechanism is impenetrable. Therefore, although we take steps to protect your data, we cannot guarantee the security of the data that we collect from you or the security of our servers or the Site. By accessing the Site, any transmission of data is at your own risk and you agree to assume all risk in connection with data sent to us or collected by us.

7. Data Retention

We retain data only as long as necessary in light of the purpose(s) for which it was originally collected. Please note that we may retain your data for longer periods of time as necessary to comply with our legal obligations or respond to governmental authorities.

8. Children and Parents

We respect children’s privacy. We do not target or knowingly or intentionally collect personal data from children under the age of 13. By using the Site, you have represented and warranted that you are either at least 18 years of age or using the Site with the supervision of a parent or guardian. If you are under the age of 13, you may not use the Site. If you become aware that your child has provided us with personal data without your consent, please Contact Us.

9. Our “Do Not Track” (DNT) Policy

Some websites have “do not track” features that allow you to tell a website not to track you. We do not currently respond to those signals or any similar mechanisms transmitted by web browsers. To learn more about DNT and tracking signals, please visit All About DNT.

10. Your Data Preferences

Use of Collected Data

If you no longer want us to use your collected data as described above, please submit a request by completing this form.

Communications

If you no longer wish to receive emails from Ateet Sanghavi, please follow the instructions in the emails to opt-out from receiving such emails in the future or submit a request to info@ateetsanghavi.com

If you no longer wish to receive text messages from Ateet Sanghavi, Email “STOP” (all capital letters) to info@ateetsanghavi.com. You will receive confirmation of your opt-out via a final text message.

Cookies, Pixel Tags, and Other Similar Tracking Technologies

You may remove or reject cookies by adjusting settings on your browser, and thus opt-out of certain features of the Site and the Site’s automatic collection of certain data. These tracking technology opt-out tools are device and browser specific so you must repeat the opt-out from each of your devices and browsers. Please note that removing or rejecting cookies could affect the functionality of the Site.

Advertising Preferences

You may adjust your advertising preferences on various social media websites by adjusting your Settings on the particular platform. For example, you may adjust the types of Facebook ads you receive on Facebook and the types of Google ads you receive on Google.

11. California Privacy Policy

If you are a resident of California, please review our California Privacy Policy for additional disclosures required by California law.

12. EU Privacy Policy

If you are a resident of the European Union, please review our EU Privacy Policy for additional information about your rights.

13. Contact Us

If you have any questions about this Privacy Policy, please email us at info@ateetsanghavi.com

TERMS OF USE

The website you have entered (AteetSanghavi.com, its sub-domains, affiliated websites and applications, any mobile versions) and any services or Content (as defined below) available therefrom (the “Site”) is a copyrighted work owned and operated by AteetSanghavi.com, (“Ateet Sanghavi,” “we” or “us”).

LAST MODIFIED: 11 November 2023

BY ACCESSING OR USING THE SITE, YOU HEREBY AFFIRM THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THE FOLLOWING TERMS AND CONDITIONS (THE “TERMS”). THESE TERMS TOGETHER WITH THE PRIVACY POLICY (LOCATED HERE) CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND ATEET SANGHAVI.

IF YOU ARE UNDER 18 YEARS OLD, YOUR PARENT OR LEGAL GUARDIAN MUST READ, UNDERSTAND, AND AGREE TO THESE TERMS ON YOUR BEHALF PRIOR TO YOUR ACCESS TO AND USE OF THE SITE. IF YOU DO NOT AGREE TO THESE TERMS OR HAVE NOT OBTAINED YOUR PARENT OR LEGAL GUARDIAN’S CONSENT TO AGREE TO THESE TERMS, DO NOT ACCESS OR USE THE SITE. IN NO EVENT MAY YOU ACCESS OR USE THIS SITE IF YOU ARE UNDER THE AGE OF 13.

YOUR ACCESS TO AND USE OF THE SITE CONSTITUTES ACCEPTANCE OF THESE TERMS.

CHANGES TO THE SITE OR TERMS

Ateet Sanghavi reserves the right, at any time, to modify, suspend, or discontinue the Site (in whole or in part) at its sole discretion with or without notice to you. You agree that Ateet Sanghavi will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site or any part thereof.

Ateet Sanghavi further reserves the right, at any time, to revise these Terms or to impose new terms and conditions with respect to access to or use of the Site, the Content, or any other matter, in its sole discretion. Any modification to the Terms shall become effective when posted. ANY ACCESS TO OR USE OF THIS SITE OR ANY CONTENT BY YOU AFTER THE POSTING OF THE REVISED TERMS SHALL CONSTITUTE YOUR AGREEMENT TO SUCH REVISED TERMS. No modification to these Terms shall be valid or enforceable against Ateet Sanghavi unless expressly agreed to by Ateet Sanghavi in a writing signed by a duly authorized officer of Ateet Sanghavi.

TERM AND TERMINATION

These Terms will remain in full force and effect while you access and use the Site. Ateet Sanghavi may terminate these Terms or discontinue operation of the Site without notice to you, at any time and for any reason, in our sole discretion, without liability, including but not limited to if you breach any of these Terms. In the event of termination of these Terms with respect to you, you will no longer be authorized to access or use the Site or any Content.

In the event of a termination of these Terms or termination of your access to and use of the Site, Sections 3 through 14 of these Terms shall survive and continue in full force and effect. Further, all rights granted by you shall remain in full force and effect and Ateet Sanghavi shall be permitted, but shall not have any obligation, to delete any of your personal data collected in the operation of the Site unless otherwise required by law.

LICENSE; SITE CONTENT

License. Subject to these Terms, Ateet Sanghavi grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal, non-commercial use. Unauthorized access to or use of the Site or the Content is a breach of these Terms and may be a violation of law.

Site Content. Unless specifically permitted herein, no information, materials, files, videos, or other content (collectively “Content”) comprising, contained in or distributed through the Site may be reproduced in any form or used by you without the prior written consent of Ateet Sanghavi. The Site and the Content found therein are the property of Ateet Sanghavi, its licensees and/or licensors. The Site and the Content are protected by copyright laws and international treaty provisions. You acknowledge that Ateet Sanghavi or its business partners, licensees or licensors (as applicable) own and shall retain the exclusive right, title and ownership in and to all copyrights, trade secrets, trademarks and other intellectual property and proprietary rights in the Site and all Content. You agree not to use any automated means, including, without limitation, agents, robots, scripts, or spiders, to access, monitor or copy any part of the Site or any of the Content. You agree not to copy, modify, rent, lease, loan, sell, assign, distribute, reverse engineer, disassemble, decompile, attempt to obtain the source code of, grant a security interest in, publicly perform, publicly display, transfer or exploit the Site, the Content, any technology or software relating thereto, or any portion of any of the foregoing. All copyright, trademark, or other proprietary notices on the Site or any Content must be retained and displayed at all times.

DISCLAIMER OF WARRANTIES AND REPRESENTATIONS

THE SITE AND THE CONTENT CONTAINED IN AND DISSEMINATED FROM THE SITE ARE PROVIDED “AS IS,” “AS AVAILABLE,” AND WITHOUT WARRANTY OR REPRESENTATION OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, ACCURACY, AND FITNESS FOR A PARTICULAR PURPOSE (ALL OF SUCH IMPLIED WARRANTIES AND REPRESENTATIONS BEING HEREBY EXPRESSLY DISCLAIMED). YOU ASSUME THE ENTIRE RISK (i) AS TO YOUR ACCESS TO AND USE OF THE SITE, AND YOUR SELECTION AND USE OF ANY CONTENT OBTAINED THROUGH OR FROM THE SITE; AND (ii) THAT THE SITE AND/OR THE CONTENT WILL MEET YOUR REQUIREMENTS, BE ACCURATE OR RELIABLE, HAVE ANY LEVEL OF QUALITY OR MEET YOUR EXPECTATIONS. ATEET SANGHAVI MAKES NO WARRANTY OR REPRESENTATION THAT YOUR ACCESS TO AND USE OF THE SITE OR THE CONTENT WILL BE UNINTERRUPTED, VIRUS FREE, ERROR-FREE OR COMPLETELY SECURE. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM HARDWARE OR SOFTWARE, OR FOR ANY LOSS OF DATA OR OTHER DAMAGES, RELATING TO YOUR ACCESS TO AND USE OF THE SITE OR THE SITE OR CONTENT. NO ADVICE, INFORMATION OR CONTENT, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM, THROUGH OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SITE OR THE CONTENT, WILL CREATE OR PROVIDE ANY WARRANTY OR REPRESENTATION ON THE PART OF ATEET SANGHAVI OR ANY OF THE ATEET SANGHAVI PARTIES (AS HEREINAFTER DEFINED).

Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. In such jurisdictions, the liability of the Ateet Sanghavi Parties shall be limited to the greatest extent permitted by applicable law.

USER CONDUCT; PROHIBITED ACTIVITIES

You agree that you shall not post, publish, submit or otherwise disseminate through the Site any content or other information:

that is known by you to be false, inaccurate or misleading;
that violates, infringes or misappropriates any third party’s copyright, patent, trademark, trade secret, right of privacy, right of publicity or other intellectual property or proprietary right;
that violates any law, statute, regulation, rule or ordinance (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising)
that is, or may reasonably be considered to be, defamatory, libelous, hateful, profane, abusive, racially, religiously, or otherwise biased or offensive, unlawfully threatening or unlawfully harassing to any individual or entity, or otherwise contains foul language;
that contains any computer viruses, worms or other potentially damaging computer programs or files

In addition to the foregoing, you agree not to:

Download or upload any content or material that you know or reasonably should know cannot be legally obtained in such manner;
Restrict or inhibit any other user from using and enjoying any area within the Site;
Collect or store personal information about other users of the Site, or submit personal data on the Site without their express permission and authority to do so;
Attempt to access or use the Site or the Content after your access or use has been terminated;
Affect the way the Site displays Content (including any pages contained therein) other than through adjustments to your browser or display settings to facilitate your personal viewing of the Site;
Use any automated means to access or use the Site or to collect any Content contained therein;
Modify or create variant versions of the Ateet Sanghavi or Gary Vaynerchuk name, trademark, indicia or logos;
Interfere with or disrupt the Site or the infrastructure;
Forge headers or manipulate identifiers or other data in order to disguise the origin of any content transmitted through the Site or to manipulate your presence on the Site;
Take any action that imposes an unreasonably or disproportionately large load on the Site or its infrastructure;
Engage in any acts or omissions that could constitute a violation of applicable laws, statutes, regulations, rules or ordinances.

You agree to notify us if you suspect any activity in violation of these Terms and cooperate with our investigation of such violation.

THIRD-PARTY LINKS

The Site may contain links to third-party websites and services for third parties (collectively, “Third-Party Links”). Such Third-Party Links are not under the control of Ateet Sanghavi, and Ateet Sanghavi is not responsible for any Third-Party Links. Ateet Sanghavi provides access to these Third-Party Links only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links. Your interaction with all Third-Party Links is at your own risk. When you click on any of the Third-Party Links, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices.

Your use of any trademarks, service marks, branding, logos, and designs owned or licensed by Ateet Sanghavi is prohibited without the prior written consent of Ateet Sanghavi or the consent of the third party that owns the trademark.

PRIVACY

Certain information collected from you or about you in the course of your access to or use of the Site is subject to our Privacy Policy which is incorporated into these Terms by reference and may be revised from time to time as provided therein. You acknowledge, agree and consent to the information collection, distribution and other terms, conditions and matters set forth in the Privacy Policy.

NOTIFICATIONS

We may be required by state or federal law to notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on the Site or delivering them to you through email, if you have previously provided your email address to us. If you do not provide us with accurate information, we cannot be held liable if you do not receive notice.

GOVERNING LAW AND JURISDICTION

The Site is controlled and managed by Ateet Sanghavi from its offices in the Mumbai, India and is targeted to the World Audience including United States. These Terms shall be governed by and construed in accordance with the laws of the India, without reference to its conflicts of laws principles. By accessing or using the Site, you submit to the exclusive jurisdiction of and venue in the Court of Mumbai to resolve any dispute arising out of or in connection with these Terms, the Site or the Content, and waive any objections thereto including those of inconvenient forum or similar defenses.

You must not access or use the Site or the Content in countries where it is restricted, prohibited or limited by local law, regulations, codes or customs. Ateet Sanghavi makes no warranty or representation that the Site or the Content is appropriate or available for access or use in locations outside the United States.

USERS OUTSIDE OF THE UNITED STATES

If you (a) are using the Site from a country embargoed by the United States, (b) are on the United States Treasury Department’s list of “Specially Designated Nationals,” or (c) are on the U.S. Commerce Department’s Table of Deny Orders, you agree that you will not conduct any commercial activities using or through the Site and will not otherwise use the Site or any related services in violation of United States export control laws or regulations.

LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ATEET SANGHAVI, ITS SUBSIDIARIES AND AFFILIATES AND/OR THEIR RESPECTIVE OFFICERS, DIRECTORS, TRUSTEES, MEMBERS, MANAGERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES (ALL OF THE FOREGOING, COLLECTIVELY, THE “ATEET SANGHAVI PARTIES”) BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PERSONAL OR BUSINESS PROFITS, BUSINESS INTERRUPTION, LOSS OF PERSONAL OR BUSINESS INFORMATION, OR OTHER LOSS OR DAMAGE) ARISING OUT OF OR RELATED TO THESE TERMS OR ARISING OUT OF THE ACCESS OR USE, OR INABILITY TO ACCESS OR USE THE SITE AND/OR ITS CONTENT, EVEN IF THEY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR IF SUCH DAMAGES ARE OTHERWISE FORESEEABLE, AND REGARDLESS OF THE NATURE OF THE CAUSE OF ACTION OR THEORY ASSERTED (E.G., WHETHER IN CONTRACT, TORT OR OTHERWISE). ACCESS TO, AND USE OF, THE SITE AND CONTENT IS AT YOUR OWN RISK AND DISCRETION AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER, OR LOSS OF DATA RESULTING THEREFROM. IF, NOTWITHSTANDING THE PROVISIONS OF THE TERMS, ANY OF THE ATEET SANGHAVI PARTIES IS FOUND TO BE LIABLE TO YOU FOR ANY DAMAGE OR LOSS WHICH ARISES OUT OF OR IS IN ANY WAY CONNECTED TO YOUR ACCESS TO OR USE OF THE SITE, THE CONTENT OR OTHERWISE, TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE ATEET SANGHAVI PARTIES SHALL IN NO EVENT EXCEED $100 USD or Rs. 8,500. YOU AGREE TO USE YOUR BEST EFFORTS TO MITIGATE ANY DAMAGES OR LOSSES YOU MAY SUFFER IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE SITE AND THE CONTENT.

Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, parts of the above limitation may not apply to you. In such jurisdictions, the liability of the Ateet Sanghavi Parties shall be limited to the greatest extent permitted by applicable law. Check your local laws for any restrictions or limitations regarding the limitation of liability for consequential or incidental damages.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless Ateet Sanghavi, its affiliates, subsidiaries, licensees, vendors, partners, and each of their respective directors, officers, members, managers, employees, agents and representatives from and against any and all claims, actions, losses, damages, liabilities, judgments, settlements, costs and expenses (including, but not limited to, reasonable attorneys’ fees and court costs) arising out of or relating to (a) your breach of these Terms or any applicable laws or regulations, (b) your access to or use of the Site and/or the Content, (c) your violation, breach or misappropriation of a third party’s copyright, patent, trademark, trade secret, right of privacy, right of publicity, or other intellectual property, proprietary or other right, (d) your tortious acts including, without limitation, defamation, and/or (e) any claims you may raise against third parties relating to third party products or services. We reserve the right to assume, at our expense, the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims. If we assume such defense, we will be responsible solely for our legal fees in connection with such defense and all other losses, damages, liabilities, judgments, settlements, costs and expenses shall be your sole responsibility.

MISCELLANEOUS

These Terms constitute the entire agreement between you and us regarding the access to or use of the Site. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

If you have questions or comments, please contact us at: info@ateetsanghavi.com

Terms of Use & Privacy Policy