Privacy Policy and Terms & Conditions

Electronic Message Notice

This electronic message may contain information that is private or privileged and exempt from disclosure under applicable law, and is for exclusive use by the person(s) to whom it is addressed. If you are not the intended recipient, please be aware that it is prohibited to disclose, disseminate, distribute or copy this communication or the use of its contents.

Please notify our us immediately of your inadvertent receipt of this message and delete from all data storage systems. Electronic messages that contain private health information (PHI) are sent encrypted as mandated by federal law. All encryption and compliance issues should be emailed to

Advanced Benefits Privacy Notice

Advanced Inc., (Dba: Advanced Benefits, OmniaHR) respects your privacy and is committed to handling your information in accordance with this Privacy Notice (“Notice”).

This Notice lets you know the types of information we collect about you or that you may provide to us, including when you visit Advanced Inc. website (i.e., https://trustab.com, http://omniahr.com), and our practices for using, disclosing, protecting, and sharing that information.

This Notice was last updated on October 25, 2021.

Introduction

This Notice applies to information we collect on our website, in emails, other electronic messages between you and Advanced Inc. information you provide to us, and information we collect when you use an online service through our website.

This Notice does not apply to information collected by any third party or affiliate, including through any application or content, including advertising, which may link to or be accessible from our website. Advanced Inc. is not responsible for the privacy practices or the content of those other websites. This Notice also does not apply to information collected via Advanced Inc. products and software.

Please read this Notice carefully to understand our practices regarding your information and how we will treat it. This Notice may change from time to time so please check the Notice periodically for updates. If there are any material changes to this Notice, we will notify you as required by applicable law.

Children Under the Age of 16. Our website is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16. If you are under the age of 16, do not use or provide any information on our website, including providing any information about yourself to us. If we learn we have collected or received personal information from a child under the age of 16 without parental consent, we will delete that information. If you believe we have any information from a child under the age of 16, please contact us (see Help below).

Information We Collect About You And How We Collect It

We collect information about you in many ways and some of the information we collect may include personal information that can be used to identify you. Personal information does not include publicly available information from government records or de-identified or aggregated consumer information.

In particular, we collect, and have collected within the last twelve months, the following categories of information:

	Category	Examples	Collected? (Y/N)
A	Identifiers	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.	Y
B	Consumer Records	A name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some PI in this category may overlap with other categories.	Y
C	Protected Classification	Characteristics of protected classifications under California or federal law (i.e., age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	N
D	Commercial Information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	N
E	Biometric Information	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data.	N
F	Internet or other similar activity	Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.	Y
G	Geolocation Data	Physical location or movements.	N1
H	Sensory Data	Audio, electronic, visual, thermal, olfactory, or similar information	N
I	Professional or employment-related information	Current or past job history or performance evaluations.	N2
J	Non-public education information	Education information including the name or address of a student or family members, student number, date or place of birth, mother’s maiden name, handwriting, or other information that could identify a student with reasonable certainty (see 34 C.F.R. 99.3 (definitions of “personally identifiable information” and “biometric record”) and records directly related to a student maintained by an educational agency/institution, such as, grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	N
K	Inferences drawn from other PI	Profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	N

1 We do not use any process or technique to derive from a device information regarding the physical location or movements of a consumer. We do, however, collect an individual’s address as an identifier of the consumer’s residence.

2 We do not track employment-related information from consumers, however, some of our forms may ask a consumer to enter their job title and current employer.

We obtain this information from the following sources:

Information you provide to us voluntarily. In general, you can visit our website without providing any information other than the information we collect automatically. There are times, however, when we may need information from you. You may choose to give us personal information in a variety of situations. For example, we may collect your name, address, email address, telephone number, or other information you may provide when you contact us about our services, engage with our website to register to use or use any of our services, when you submit a form to contact us, when you register for an event or request a paper or other information from us.

If you choose not to provide us with certain information, you may not be able to take advantage of certain features of our services, participate in our events, or receive information from us.

We may also ask for your personal information when you express an interest in employment opportunities by submitting an application to us. The information we collect will be apparent at the time you are submitting your application and we will use this information to evaluate your candidacy for employment.

Information we collect automatically. As you navigate through and interact with our website, we may use automatic data collection technologies to collect certain information about you. For example, we use cookies (a tiny file stored on your computer’s browser) to tell us about your device, browsing actions, and patterns including details of your visits to our website, including whether you have or have not opened an email from us, and information about your device and internet connection, including your IP address or device identifier, operating system, and browser type. Advanced Inc. may use this information to understand how our users navigate our site and to determine common traffic patterns, including what site the user came from. We may use this information to simplify site navigation, to make product recommendations to you and to help design our site in order to make your experience more efficient.

Information from third parties. We may collect information from a third party that we may use to market our product and services to you. We do not share information obtained from such third parties outside of Advanced Inc.

Third Party Use of Cookies or Other Tracking Technologies. We may use cookies to store and help us track information about you. Cookies are small pieces of data that are sent to your browser from a web server and stored on your computer’s hard drive. We use cookies to help us know who you are and to help you navigate our sites during your visits. We also use cookies to measure traffic patterns and to understand how users navigate our site. For example, we use Google Analytics to help us analyze website traffic. For information on how Google Analytics collects and processes data, see www.google.com/policies/privacy/partners/.

How you can control cookies. Most browsers are initially set up to accept cookies. However, if you prefer not to store cookies on your device, you can set your browser to notify you when you receive a cookie, set your browser to refuse cookies by activating the appropriate setting on your browser, delete cookies after visiting our site, or browse our site using your browser’s anonymous usage setting. However, if you don’t accept cookies, this may prevent our website or services from working properly.

How Do We Use This Information

Advanced Inc. may use information that we collect about you or that you provide to us for the following purposes:
• To present our website and its content to you.
• To provide you with information, products, or services that you request from us.
• To fulfill any other purpose for which you provide it, including when you fill out a form requesting information from us.
• Through our use of cookies, to understand how our websites are being used and to measure the effectiveness of our website
• To improve our website and our products and services.
• To personalize your website experience and to deliver content and product and service information and offerings relevant to your interests or location, including providing such information or offer via email.
• To register you to attend an event or webinar, which may include helping us to plan, coordinate, and host such events, and analyzing your interests in and interactions with the event.
• If you visit our offices, we may register you as a visitor.
• Advanced Inc. may receive information about you from other sources, including from third parties. We may combine this information with other information provided by you which helps us to update and expand our records, identify new customers, and tailor our advertising and marketing communications.
• To notify you about changes to our website or any products or services we offer or provide through it.
• To help maintain the safety, security and integrity of our website, products and services, and databases.
• To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
• To fulfill any other purpose for which you provide it or for which you consent.
• To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets (“transaction”), whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us about our website users or customers is among the assets being transferred, which may occur prior to consummation of such transaction.

If you are submitting information on behalf of a third party (for example, registering a fellow employee for a webinar or conference), Advanced Inc. expects that you have received appropriate consent, according to applicable privacy laws, before transferring any personal information to Advanced Inc.

We will not collect additional categories of information or use the information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

Your California Privacy Rights

If you are a California resident, California law may provide you with additional rights regarding our use of your personal information.

Information We Share

We may disclose aggregated information about users, and information that does not identify an individual, without restriction. We share your personal information with the following categories of parties:
• To our service providers.
• To a third party, for example, when you sign up for an event, we may provide the information submitted on the registration form to the speaker(s) or host of the event.
• To fulfill the purpose for which you provide it.
• For any other purpose disclosed by us when you provide the information.
• For Corporate Transactions. Advanced Inc. may also disclose your information to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Advanced Inc. assets, where personal information held by Advanced Inc. about our Website users is among the assets transferred.
• Other Reasons. To: (a) satisfy applicable law, regulations, legal process, or valid governmental request; (b) enforce the terms of use applicable to our services, (c) detect, prevent, or mitigate fraud or security or technical issues; or (d) protect against imminent harm to the rights, property or safety of our company, our customers or the public as required or permitted by law.

Your Choices

You can tell us how we can use your personal information by using the following:
• Tracking Technologies. As noted above under “How you can control cookies,” you can, for example, set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of our websites may be inaccessible or not function properly.
• Disclosure to Third Parties. If you do not want us to share your information with third parties, you can choose not to submit your information on the form giving us permission to share your information.
• If you are on our email mailing list, you may remove yourself from the mailing list at any time by unsubscribing.
We do not control third parties’ collection or use of your information to service interest-based advertising. However these third parties may provide you with ways to choose not to have your information collected or used in this way.

Security

Advanced Inc. respects your personal information and takes steps to protect it from loss, misuse, or alteration. Where appropriate, these steps can include technical measures like firewalls, intrusion detection and prevention systems, unique and complex passwords, and encryption. We also use organizational and physical measures such as training staff on data processing obligations, identification of data incidents and risks, restricting staff access to your personal information, and ensuring physical security including appropriately securing information when not being used.

Changes to the Privacy Notice

Advanced Inc. reserves the right to change this Notice. If we decide to make changes, we will post the updated notice on our website, so you are always aware of what information we collect, how we use it, and the circumstances, if any, we disclose it. The date this Notice was last revised is identified at the top of the page. You are responsible for ensuring that we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and the Notice to check for any changes. Your continued use of our website following the posting of changes constitutes acceptance of such changes. Where required by applicable data protection laws, we will also seek your consent to any material changes that affect how we use your information.

Help

If you need help with unsubscribing or have questions regarding this Notice, please visit our Contact Us Page, email us at , call (208) 664-3482, or contact us by regular mail addressed to:

2448 N Merritt Creek Loop, Coeur d’Alene, ID 83814
Attn: Privacy Request

Privacy Notice for California Residents

Effective Date: January 1, 2020
This Privacy Notice for California Residents (“California Notice”) supplements the information contained in our Notice above and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this California Notice.
This Notice does not apply to employment-related personal information collected from California-based employees, job-applicants, contractors, or similar individuals. Our privacy practices for these individuals will be separately provided as applicable.
Where noted herein, the CCPA temporarily exempts personal information reflecting a written or verbal business-to-business communication (“business-to-business personal information”) from some requirements.

Information We Share

We may disclose your personal information to a third party for a business purpose or share your personal information with a third party subject to your right not to provide your information in those circumstances (see Sales Opt-Out and Opt-In Rights below). When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.
We share your personal information with the following categories of parties:
• To our service providers.
• To a third party, for example, when you sign up for an event, we may provide the information submitted on the registration form to the speaker(s) or host of the event.

Disclosures of Information for a Business Purpose

In the preceding twelve months, Advanced Inc. has disclosed the following categories of personal information for a business purpose:
Identifiers, such as name, postal address, IP address, email address, phone number.
We disclose your personal information for a business purpose to the following categories of parties:
• Service providers.

Sales of Personal Information

In the preceding twelve (12) months, Advanced Inc. has shared the following categories of personal information:
• Identifiers, such as name, postal address, IP address, email address, phone number.
• Consumer Records, such as name, postal address, telephone number, job title, employer name.
• Professional or employment related information, such as job title and employer name.
We share your personal information to the following categories of third parties:
• To a third party, for example, when you sign up for an event, we may provide the information submitted on the registration form to the speaker(s) or host of the event.

Your Rights and Choices

If you are a California resident, the CCPA provides you with specific rights regarding your personal information. This section describes your CCPA rights and explains how to exercise those rights.

Accessing Your Information and Data Portability Rights
You have the right to request that Advanced Inc. disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
• The categories of personal information we collected about you.
• The categories of sources for the personal information we collected about you.
• Our business or commercial purpose for collecting or selling that personal information.
• The categories of third parties with whom we share that personal information.
• The specific pieces of personal information we collected about you (also called a data portability request).
• If we sold or disclosed your personal information for a business purpose,
• Sales, identifying the personal information categories that each category of recipient purchased; and
• Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.
We do not provide these access and data portability rights for business-to-business personal information.

Requesting Deletion of Information
You have the right to request that Advanced Inc. delete any of your personal information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.
We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:
• Complete the transaction for which the personal information was collected, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
• Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
• Debug products to identify and repair errors that impair existing intended functionality.
• Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
• Comply with the California Electronic Communications Privacy Act (Cal. Penal Coe § 1546 et seq.).
• Engage in public or peer-reviewed scientific, historical, or statistical research in public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
• Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
• Comply with a legal obligation.
• Make other internal and lawful uses of that information that are compatible with the context in which you provided it.
We do not provide these deletion rights for business-to-business personal information.

Exercising Access, Data Portability, and Deletion Rights
To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to us by either:
• Calling (208) 664-3482
• Email:

Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child. If you submit a request on behalf of another person, we may require proof of authorization and verification of identity directly from the person for whom you are submitting a request.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable request must:
• Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative, which may include your name and email address;
• Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.

Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing
We endeavor to respond to a verifiable consumer within 45 days of its receipt. If we require more time (up to 45 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable.

For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, which may include either a screen shot of the information or a pdf.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Personal Information Sales Opt-Out and Opt-In Rights
We do not share your information with a third party unless you complete a form. The form will be self-evident regarding the information collected, the purpose for the collection, and how the information will be shared. If you do not agree to the sharing of such information, you should not complete and submit the form as the form’s submission will act as an “opt-in” for the sharing of such information.

Under the CCPA, if you are 16 years of age or older, you have the right to direct us not to sell your personal information at any time (the “right to opt-out”). To exercise the right to opt-out, you, or your authorized representative, may submit a request to us by emailing

Once you make an opt-out request, we will wait at least 12 months before asking you to reauthorize personal information sales. However, you may change your mind and opt back in to sharing personal information by filling out a form with the requested information and submitting that form.

You do not need to create an account with us to exercise your opt-out rights. We will only use your personal information provided in an opt-out request to review and comply with the request.

Non-Discrimination
We will not discriminate against you for exercising any of your rights under the California Consumer Privacy Act (“CCPA”). Unless permitted by the CCPA, we will not:
• Deny you goods or services.
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
• Provide you with a different level or quality of goods or services.
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Changes to the Privacy Notice

Advanced Inc. reserves the right to change this Notice. If we decide to make changes, we will post the updated notice on our website, so you are always aware of what information we collect, how we use it, and the circumstances, if any, we disclose it. The date this Notice was last revised is identified at the top of the page. You are responsible for ensuring that we have an up-to-date active and deliverable email address for you, and for periodically visiting our website and the Notice to check for any changes. Your continued use of our website following the posting of changes constitutes acceptance of such changes. Where required by applicable data protection laws, we will also seek your consent to any material changes that affect how we use your information.

Help
If you need help with unsubscribing or have questions regarding this Notice, the ways in which Advanced Inc. collects and uses your information as described in this Notice, your choices and rights regarding such use, or wish to exercise your rights under California law, email us at , call (208) 664-6482, or you can contact us by regular mail addressed to:

2448 N Merritt Creek Loop, Coeur d’Alene ID 83814
ATTN: Privacy Requests

Advanced, Inc.
Website Terms and Conditions

Please read these terms and conditions of use carefully before using or obtaining any materials, information, or services through this site. Advanced, Inc. (“we” or “us”) provides access to and use of this site (“Website”) subject to your acceptance of these terms and conditions (“Terms”). By accessing, using, or obtaining any data, materials, information, products, services, or other content (collectively, “Content”) through this Website, you acknowledge that you have read and understand these Terms and agree to abide by them. If you do not accept or understand all of these Terms, do not access or use this Website and cease your current access.

LICENSING

Advanced, Inc.’s subsidiaries are licensed as insurance brokers or agents in various U.S. states. This Website is not intended as a solicitation for insurance in any state or province where Advanced, Inc. or its subsidiaries are not licensed.

OWNERSHIP

Advanced, Inc. and its content providers (“Providers”) own and have copyrights on this Website and all of the Content, which is protected by US copyright laws. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, or otherwise used for public or commercial purposes, in whole or in part, without the express prior written consent of Advanced, Inc.

Trademarks, logos, and service marks displayed on this Website (“Marks”) are the registered or common law Marks of Advanced, Inc. or its Providers. Your use of and access to this Website does not grant you any license or right to use any of the Marks. You may not use any technological means such as robots, spiders, or other devices to monitor materials available through this Website.

USE

By using this Website you warrant that you are at least 18 years of age and can enter into binding contracts for insurance or other goods. If you less than 18 years of age you may not use this Website and you must leave immediately. You are responsible for maintaining the confidentiality of any passwords, login names, or other information associated with your use of this Website.

You may not use this Website for any false or fraudulent purpose. You are also forbidden from using this Website to post or transmit any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic or profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. You may not use any device, software, or routine that interferes or attempts to interfere with the normal operation of this Website or take any action that imposes an unreasonable load on Advanced, Inc.’s computer equipment.

You may not use this Website for any commercial, financial, or other similar purpose without the express prior written consent of Advanced, Inc.

Finally, you may not use this Website for any purpose that is unlawful or otherwise prohibited by these Terms.

Advanced, Inc. reserves the right, at any time and without advance notice or liability, to terminate your access to this Website or any component therein.

PRIVACY

Your use of this Website is subject to our Privacy Policy. Your acceptance of these Terms indicates your consent to the Privacy Policy as well.

CO-BRANDED AREAS

In order to provide a greater breadth of services, certain functions provided on this Website are outsourced to third parties. Specifically, Advanced, Inc. has contracted with a third party to help improve our technical services and operations as well as provide additional business services to our visitors. Certain pages in this Website, therefore, are operated and controlled by a third party (“Co-Branded Areas”). These Co-Branded Areas continue to display Advanced, Inc.’s trademarked logo at the top of the page but are nonetheless operated and managed by a third party. These Terms, in conjunction with any further terms and conditions posted in the Co-Branded Areas, govern your access and use of those areas. In all other respects, access to the Co-Branded Areas is at your own risk.

Links. This Website may contain links to other sites on the World Wide Web, other than the Co-Branded Areas. When you access a link that takes you to an unaffiliated website, a “pop-up” screen will appear indicating that you are leaving this Website. Links to outside sites do not constitute or imply endorsement by Advanced, Inc. of the linked site or any material contained within, and we are not responsible or liable for the information contained, or any products or services offered, on such other sites. Access to these sites is at your own risk.

PRODUCTS/QUOTATIONS

Under no circumstances should you regard any information you may access in this Website as a recommendation, advice, or complete description of any products, service, or plan. Application for an insurance quotation through this Website does not constitute a binder of insurance coverage or the reporting of a claim. The application may be used by Advanced, Inc. to provide an estimate of the terms, conditions, and costs of coverage. A quotation may be subject to receipt of additional information or other conditions. Insurance coverage is provided by various insurance companies and is subject to the terms and conditions of the policies. Circumstances vary and Website visitors must carefully review their own insurance policies and consult with their insurance advisors.

DISCLAIMER OF WARRANTIES

Advanced, Inc. and its providers make no warranty of any kind regarding this website and/or the content. This website and content are provided “as-is”. Advanced, Inc. Expressly disclaims any representation or warranty that this website will be error-free, secure, or uninterrupted. Advanced, Inc. Further disclaims any warranty as to the accuracy, adequacy, completeness, or timeliness of any of the content on this website, and further expressly disclaims liability resulting from or arising out of any errors or omissions contained in the information or materials accessed on or through this website. Advanced, Inc. and its providers expressly disclaim all warranties and conditions, including implied warranties and conditions of merchantability, fitness for a particular purpose, title, non-infringement, freedom from computer virus and those arising by statute or otherwise in law or from a course of dealing or usage of trade. Some jurisdictions do not allow the disclaimer of implied warranties, so this warranty disclaimer may not apply in whole or in part to you.

Limitation of liability

Advanced, Inc. and its providers will not be responsible or liable for (a) any damages to or viruses that may infect your computer equipment or other property as the result of your access to, use of or browsing in this website or your downloading of any content or (b) any injury, loss, claim, damage, or any special, exemplary, punitive, indirect, incidental or consequential damages of any kind (including without limitation lost profits or lost savings), whether based in contract, tort, strict liability or otherwise, that arises out of or is in any way connected with (i) any use of this website or the content found therein, (ii) any failure or delay (including without limitation the use of or inability to use any component of this website to submit applications for insurance products or services), or (iii) the performance or non-performance by us or any provider, even if we have been, or a provider has been advised, of the possibility of damages to such parties or any other party. This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortious behavior, negligence, or under any other cause of action.

CAUTIONARY STATEMENT ON FORWARD-LOOKING STATEMENTS

This Website contains press releases and other written statements issued by Advanced, Inc. and may include forward-looking statements which reflect the current views of Advanced, Inc. with respect to future events and financial performance. These forward-looking statements are subject to uncertainties and other factors that could cause actual results to differ materially from such statements. The words “believe,” “expect,” “anticipate,” “project,” “plan,” and similar expressions identify forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements that speak only as of their dates. Advanced, Inc. undertakes no obligation to publicly update or revise any forward-looking statements, whether as a result of new information, future events or otherwise.

MISCELLANEOUS

These Terms are governed by the laws of the State of Idaho, excepting its conflicts of law principles. Any dispute arising out of this Website shall be subject to the exclusive venue of a court of competent jurisdiction in Coeur d’Alene, Idaho. The headings in these Terms are for convenience and reference and shall have no legal effect. Any failure by Advanced, Inc. to act with respect to you or another person’s breach of these Terms will not constitute a waiver with respect to future or similar breaches. If a court finds any of these Terms to be unenforceable or invalid, such Term(s) deemed unenforceable or invalid will be enforced to the fullest extent permitted by applicable law and the other Terms will remain valid and enforceable. These Terms, together with those items incorporated by reference, constitute the entire agreement between you and Advanced, Inc. relating to your use of the site and replaces any prior oral or written understandings or agreements.

REVISIONS

Advanced, Inc. reserves the right to change these Terms from time to time and in its sole discretion. If these Terms change, the revised Terms will be posted at the “Terms and Conditions” link on this Website’s home page. Any material changes to the Terms will be brought to your attention when you next visit this Website. In addition, the last time these Terms were revised is set forth below. If the date displayed is later in time than your last visit, you must re-read these Terms. Your continued use of this Website after the date of the last revision indicates your acceptance of any revisions.

Latest Revision 10.28.21