Last Modified: May, 13, 2022
This Privacy Notice applies to all personal information collected through any written, electronic, or oral communications, and collected online or offline as you:
- access the website located at www.everlywell.com or www.natalist.com, and all corresponding webpages and websites that link to this Privacy Notice (our “Sites”);
- use any mobile, web, console, desktop and other applications you download from our Sites, which provide dedicated non-browser-based interaction between you and our Sites;
- interact with our advertising and applications on third party websites and services, if those applications or advertising include links to this Privacy Notice; or
- utilize our Services, including the Health Consultants and Labs.
We may modify this Privacy Notice at any time, without prior notice, and changes may apply to any Personal Information we hold about you, as well as any new Personal Information collected after the Privacy Notice is modified. If we make changes, a revised Privacy Notice will be posted to our Sites; the date of the last revision is included at the top of the page. We will provide individuals who create an Account (“Members”) with advanced notice by email if we make any material changes to how we collect, use or disclose Members’ Personal Information or that impact Members’ rights under this Privacy Notice. Members are responsible for ensuring we have an up-to-date active and deliverable email address to reach them. Your continued use or revisitation of our Sites or the Services following the posting or notice of a revised Privacy Notice means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.
We also may provide additional "just-in-time" disclosures or additional information about the data collection, use and sharing practices of specific Services. Such notices may supplement or clarify our privacy practices or may provide you with additional choices about how we process your personal information.
Our Sites are offered and available to users who are 18 years of age or older. By using the Sites, you represent and warrant that you are at least 18 years old and of legal age to form a binding contract with us. If you do not meet all of these requirements, you must not access or use our Sites.
1. INFORMATION WE COLLECT ABOUT YOU AND HOW WE COLLECT IT
We collect personal information when you use our Sites and our Services. Personal information is any information that relates to you, identifies you personally or could be used to identify you including, but not limited to: your name, mailing address, email address, telephone number, or any other information defined as “Protected Health Information” under HIPAA laws and regulations.
The types of personal information that we may collect include, but are not limited to: the information you provide to us, information collected automatically about your use of our Sites, information from third parties, including our business partners.
Information You Voluntarily Provide to Us
The personal information we collect from you may include:
- Information that you provide by filling in forms on our Sites. This includes information provided at the time of registering and creating an Account, subscribing to or purchasing our Services, posting material or requesting further Services. We may also ask you for information when you report a problem with our Sites.
- Records and copies of your correspondence (including email addresses), if you contact us.
- Your responses to surveys that we might ask you to complete for research purposes.
- Details of transactions you carry out through our Sites and of the fulfillment of your orders. You may be required to provide financial information when placing an order through our Sites.
- The name and email address of individuals to whom you wish to refer our Services.
- Your search queries on the Sites.
You also may provide information to be published or displayed (hereinafter, “posted”) on public areas of the Sites, or transmitted to other users of our Sites or third parties (collectively, “User Content”). Your User Content is posted on and transmitted to others at your own risk. We cannot control the actions of other users of the Services with whom you may choose to share your User Content. Therefore, we cannot and do not guarantee that your User Content will not be viewed by unauthorized persons.
If you choose to utilize our Services, you will collect the appropriate biological sample(s) using a sample collection kit. The sample and your information will be provided to a Lab for the purpose of providing the Services. The Lab will store your test results and related data as required by applicable laws, regulations, and College of American Pathologists (“CAP”) accreditation standards. Samples and test related data may be used or stored for regulatory compliance or healthcare operations, and de-identified for internal quality control, validation studies, and internal research and development purposes.
Information From Third Parties
When you interact with any Everlywell or Natalist property page or account on a social media platform, we may collect the personal information that you or the platform make available to us on that page or account, including your social media account ID and/or user name associated with that social media service, your profile picture, email address, friends list or information about the people and groups you are connected to and how you interact with them, and any information you have made public in connection with that social media service. The information we obtain depends on your privacy settings on the applicable social media service; we will comply with the privacy policies of the social media platform and we will only collect and store such personal information that we are permitted to collect by those social media platforms. When you access our Sites through social media services or when you connect the Services to social media services, you are authorizing Everlywell and/or Natalist to collect, store, and use such information and content in accordance with this Privacy Notice.
Information Collected Automatically
As you navigate through and interact with our Sites, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions and patterns, including:
- Details of your visits to our Sites, including, but not limited to, traffic data, location data, logs and other communication data and the resources that you access and use on the Sites.
- Information about your computer and internet connection, including your IP address, operating system and browser type.
2. COOKIES AND OTHER TRACKING TECHNOLOGY
Cookies are small web files that a Sites or its provider transfers to your device’s hard drive through your web browser that enables the site’s or provider’s system to recognize your browser and remember certain information. We use first-party and third-party cookies for the following purposes: to make our Sites function properly, to improve our Sites and Services, to make login to our Sites easier (such as by remembering your User ID), to recognize you when you return to our Sites, to track your interaction with the Sites, to enhance your experience with the Sites and Services, to remember information you have already provided, to collect information about your activities over time and across third party websites or other online services in order to deliver content and advertising tailored to your interests; and to provide a secure browsing experience during your use of our Sites. The length of time a cookie will stay on your browsing device depends on whether it is a "persistent" or "session" cookie. Session cookies will only stay on your device until you stop browsing. Persistent cookies stay on your browsing device until they expire or are deleted (i.e. after you have finished browsing).
- Strictly Necessary Cookies. These cookies are essential because they enable you to use our Sites. For example, strictly necessary cookies allow you to access secure areas on our Sites. Without these cookies, some elements of our Sites cannot be provided. These cookies do not gather information about you for marketing purposes. This category of cookies is essential for our Sites to work and they cannot be disabled.
- Functional or Preference Cookies. We use functional cookies to remember your choices so we can tailor our Sites to provide you with enhanced features and personalized content. For example, these cookies can be used to remember your name or preferences on our Sites. We do not use functional cookies to target you with online marketing. While these cookies can be disabled, this may result in less functionality during your use of our Sites.
- Performance or Analytic Cookies. These cookies collect passive information about how you use our Sites, including webpages you visit and links you click. We use the information collected by such cookies to improve and optimize our Sites and Services. We do not use these cookies to target you with online marketing. You may choose to disable these cookies.
- Advertising or Targeting Cookies. These cookies are used to make advertising messages more relevant to you. They perform functions like preventing the same ad from continuously reappearing, ensuring that ads are properly displayed for advertisers, and in some cases selecting advertisements that are based on your interests. Our third-party advertising partners may use these cookies to build a profile of your interests and deliver relevant advertising on other sites. You may choose to disable the use of these cookies as set forth below.
We may use third-party Service Providers (defined below) to monitor and analyze the use of our Sites. Presently, we use Google Analytics. Google Analytics is a web analytics service offered by Google LLC (“Google”) that tracks and reports site traffic. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics, available at: https://tools.google.com/dlpage/gaoptout.
Other Tracking Technologies
We may also use Tracking Technologies to collect "clickstream" data, such as the domain name of the service providing you with Internet access, your device type, IP address used to connect your computer to the Internet, your browser type and version, operating system and platform, the average time spent on our Sites, webpages viewed, content searched for, access times and other relevant statistics, and assign unique identifiers to the device or other credentials you use to access the Sites for the same purposes.
Pages of our Sites and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
Your browser may provide you with the option to refuse some or all browser cookies. You may also be able to remove cookies from your browser. You can exercise your preferences in relation to cookies served on our Sites by taking the steps outlined below.
- First-Party Cookies. You can use the browser with which you are viewing the Sites to enable, disable or delete cookies. To do this, follow the instructions provided by your browser (usually located within the “Help”, “Tools” or “Edit” settings). Please note, if you set your browser to disable cookies, you may not be able to access secure areas of the Sites. Also, if you disable cookies other parts of the Sites may not work properly. You can find more information about how to change your browser cookie settings at http://www.allaboutcookies.org.
- Third-Party Cookies. To opt-out of third-party advertising networks and similar entities that use advertising cookies go to http://www.aboutads.info/choices. Once you click the link you may choose to opt-out of such advertising from all participating advertising companies or only advertising provided by specific advertising entities. For more information about third-party advertising networks and similar entities that use these technologies, please see http://www.aboutads.info/consumers.
- Flash Cookies. Certain features of our Sites may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from and on our Sites. If you do not want Flash Cookies stored on your computer, you can adjust the settings of your Flash player to block Flash Cookies storage. Flash cookies are not managed by the same browser settings as are used for browser cookies, but may be managed here: http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.
- Targeted Advertising. If you do not want us to use information that we collect or that you provide to us to deliver advertisements according to our advertisers’ target-audience preferences, you can opt-out by sending an email stating your request to firstname.lastname@example.org. You can also opt out of interest-based targeting provided by participating ad servers through the Digital Advertising Alliance (http://optout.aboutads.info/) or the Network Advertising Initiative (http://optout.networkadvertising.org/?c=1). In addition, on your iPhone, iPad or Android, you can change your device settings to control whether you see online interest-based ads.
We do not control third parties’ collection or use of your information to serve 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. In addition, most web browsers provide help pages relating to setting cookie preferences. More information may be found for the following browsers here:
- Google Chrome
- Internet Explorer
- Mozilla Firefox
- Safari (Desktop)
- Safari (Mobile)
- Android Browser
- Opera (Desktop)
- Opera (Mobile)
Do Not Track
Some Internet browsers, such as Internet Explorer, Firefox, and Safari, include the ability to transmit “Do Not Track” or “DNT” signals. Since uniform standards for “DNT" signals have not been adopted, our Sites do not currently process or respond to “DNT” signals.
3. HOW WE USE YOUR INFORMATION
We will only use your personal information as described in this Privacy Notice or as disclosed to you prior to such processing taking place. The purposes for which we may use your personal information include:
- Providing any Services or products that you request or purchase.
- Contacting you regarding the administration of any features or functions of the Sites or Services you have registered to use.
- Providing you with notices about your Account, including expiration and renewal notices.
- Carrying out our obligations and enforcing our rights arising from any contracts entered into between you and us, including for billing and collection.
- Notifying you about changes to our Sites, our policies, terms or any products or Services we offer or provide through it.
- Sending you marketing and promotional emails.
- Responding to your questions or other requests.
- Allowing you to participate in the interactive features of the Sites and Services.
- Tailoring your experience on the Sites and/or otherwise customizing what you see when you visit and use the Sites.
- Saving your user account, registration and profile data or other personal information (so you do not have to re-enter it each time you visit or use the Sites).
- Tracking your return visits to and use of the Sites.
- For research purposes, for marketing/promotional purposes and to provide anonymous reporting for internal and external clients and business partners;
- Accumulating and reporting aggregate, statistical information in connection with the Sites and the Services and user activity.
- Determining which features and services users like best to help us operate the Sites, enhance and improve our Sites and display advertising and marketing information.
- Keeping you secure and safe while using our Sites, which requires us to process your Personal Information to combat spam, malware, malicious activities or security risks.
- Improving and enforcing our security measures.
- Maintaining legal and regulatory compliance.
- Enforcing compliance with our terms and conditions and policies.
- Protecting you, others and our business, including, without limitation, using information for fraud prevention.
- For any other purpose disclosed to you prior to you providing us your Personal Information or which are reasonably necessary to provide the Services or other related products and/or services requested.
- We may also use your information to contact you about our own and third parties’ goods and services that may be of interest to you. If you do not want us to use your information in this way, please email us at email@example.com to opt out.
We may use the information we have collected from you to enable us to display advertisements to our advertisers’ target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
4. SHARING AND DISCLOSURE OF PERSONAL INFORMATION
We may share or disclose your personal information in the following circumstances:
- Website / e-commerce Service Providers. We may employ other companies and individuals to facilitate our Sites and Services (“Service Providers”), provide the Services on our behalf, perform Service-related services or assist us in analyzing how our Sites and Services are used. The Service Providers have access to your personal information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. The Service Providers are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- Labs and Health Consultants. We may disclose your information to the Lab(s) and Health Consultants involved in providing you Services. Upon your request, we may disclose your information to others involved in your care, including your healthcare providers, the health system or clinic where your provider practices, and other providers that you designate to receive your information.
- Research and Development. We may use your de-identified information and test results in our research. We may engage in research with third parties like universities, hospitals, health systems, government institutions, or private companies to develop new tests, validate technologies, or improve existing technologies or processes. You can opt out of such third party research by contacting us directly at firstname.lastname@example.org. However, if you have consented in the past and later opt out, we cannot retract your de-identified information, and/or results from research already performed. We may author publications using de-identified information, either on our own or in collaboration with academic or commercial third parties.
- Within Our Corporate Organization. We may share your personal information with our subsidiaries and affiliates in order to provide you with the Services and take actions based on your requests.
- Corporate Transactions. To a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by us about our Sites users and Members is among the assets transferred, and you agree to and do hereby consent to our assignment or transfer of rights to your personal information.
- Analytics. We may share aggregated, de-identified information (for example, aggregated trends about the general use of our Services) publicly and with our affiliates, subsidiaries, and partners. This information will not include medical information.
- Third Party Advertisers. In certain circumstances we may share your personal information with third parties to market their products or services to you if you have not opted out of these disclosures. We contractually require these third parties to keep personal information confidential and use it only for the purposes for which we disclose it to them.
- Consent. We may disclose your personal information for any purpose with your consent.
- As Required by Law. Under certain circumstances your personal information may be subject to processing pursuant to laws, regulations, judicial or other government subpoenas, warrants, or orders. We may be required to disclose personal information in coordination with regulatory authorities in response to lawful requests by public authorities, including to meet national security or law enforcement requirements, or for public health purposes, including reporting COVID-19, HIV, and certain sexually transmitted disease results to public health regulatory bodies. We will preserve and disclose any and all information to law enforcement agencies or others if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal or regulatory process (such as a judicial proceeding, court order, or government inquiry) or obligations that we may owe pursuant to ethical and other professional rules, laws, and regulations; (b) enforce our Terms of Service and other policies; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Everlywell and/or Natalist, its employees, its users, its clients, and the public.
Please note that we may disclose, without restriction, aggregated or anonymized information about our users, which is information that does not identify any specific individual.
5. MARKETING COMMUNICATIONS
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
If you do not wish to have your email address or other contact information used by us to promote our own or third parties’ products or services, you can opt-out by sending an email stating your request to email@example.com. You may also choose to stop receiving our promotional or marketing communications by following the “unsubscribe” instructions included in these messages. This opt out does not apply to information provided by us as a result of a product purchase, warranty registration, product service experience or other transactions.
Please note that "opt-out" and "unsubscribe" requests may not take effect immediately and may take a reasonable amount of time to receive, process and apply, during which time your information shall remain subject to the prior privacy settings. Additionally, you should be aware that any information provided to third parties prior to your election to opt-out or unsubscribe will not be retrieved or rescinded, unless required by applicable law.
6. KEEPING YOUR PERSONAL INFORMATION ACCURATE AND DELETION
We are committed to ensuring that your personal information is kept accurate and up to date. However, it is up to you to update it with any changes. You can review and change your personal information by logging into the Sites and visiting your Account profile page. You may also send us an email at firstname.lastname@example.org to request access to, or to correct any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
If you no longer wish to participate in our Services, or no longer wish to have your Personal Information be processed, you may request to delete your account and the information in your account, subject to certain limitations, by emailing us at email@example.com. Once you submit your request, we will send an email to the email address linked to your account requesting that you confirm your deletion request. Once you confirm your request to delete your account and data, your account will no longer be accessible while we process your request. Once you confirm your request, this process cannot be canceled, undone, withdrawn, or reversed. When your Account is deleted, all associated personal information is deleted, unless we are required to maintain it for regulatory and compliance purposes or for a legal or business necessity.
7. YOUR CALIFORNIA PRIVACY RIGHTS
This section applies only to California residents. Pursuant to the California Consumer Privacy Act of 2018 (“CCPA”), below is a summary of the “Personal Information” categories, as identified and defined by the CCPA (see California Civil Code section 1798.140 (o)), that we collect, the reason we collect your Personal Information, where we obtain the Personal Information, and the third parties with whom we may share your Personal Information. We do not generally sell information as the term “sell” is traditionally understood. However, if and to the extent “sale” under the CCPA is interpreted to include advertising technology activities such as those implemented specifically for interest-based advertising, we will comply with applicable law as to such activity.
We generally collect the following categories of Personal Information about you when you use our Sites or Services:
- identifiers such as a name, address, unique personal identifier, email, phone number, your device’s IP address, software, and identification numbers associated with your devices;
- protected classifications, such as gender;
- commercial information such as records of products or services purchased, obtained, or considered by you;
- health information;
- Internet or other electronic information regarding your browsing history, search history, the webpage visited before you came to our Sites, length of visit and number of page views, click-stream data, locale preferences, your mobile carrier, date and time stamps associated with transactions, and system configuration information;
- your geolocation, to the extent you have configured your device to permit us to collect such information
- audio recordings of your voice to the extent you call us, as permitted under applicable law;
- inferences about your preferences, characteristics, behavior and attitudes.
For more information about the Personal Information we collect and how we collect it, please refer to Sections 1 and 2, above.
We collect your Personal Information for the business purposes described in Section 3, above. The CCPA defines a “business purpose” as the use of Personal Information for the business’s operational purposes, or other notified purposes, provided the use of Personal Information is reasonably necessary and proportionate to achieve the operational purpose for which the Personal Information was collected or another operational purpose that is compatible with the context in which the Personal Information was collected.
The categories of third parties with whom we may share your Personal Information are listed in Section 4, above.
If you are a California resident, you have rights in relation to your Personal Information; however, your rights are subject to certain exceptions. For instance, we cannot disclose specific pieces of Personal Information if the disclosure would create a substantial, articulable, and unreasonable risk to the security of the Personal Information, your Account with us or the security of our network systems.
- Right Against Discrimination - You have the right not to be discriminated against for exercising any of the rights described in this section. We will not discriminate against you for exercising your right to know, delete or opt-out of sales.
- Right to Know - You have the right to request in writing: (i) a list of the categories of personal information, such as name, address, email address, that a business has disclosed to third parties during the immediately preceding calendar year for the third parties' direct marketing purposes, and (ii) the names and addresses of all such third parties. In addition, you have the right to request: (i) the categories of personal information we have collected about you, (ii) the categories of sources from which personal information is collected, (iii) the business or commercial purpose for the information collection, (iv) the categories of third parties with whom we have shared personal information, and (v) the specific pieces of personal information we hold about an individual. You have the right to request a copy of the specific Personal Information we collected about you during the 12 months before your request.
- Right to Delete - You have the right to request us delete any Personal Information we have collected from you or maintain about you, subject to certain exceptions.
To assert your right to know or your right to delete your Personal Information, please contact us according to the “Contact Information” section below. To verify your identity, we may ask you to verify Personal Information we already have on file for you. If we cannot verify your identity from the information we have on file, we may request additional information from you, which we will only use to verify your identity, and for security or fraud-prevention purposes.
- Right to Opt-Out of Selling. As described in this Privacy Notice, in certain situations we may share your Personal Information with our partners, third parties or affiliates for our marketing or other purposes. To the extent such sharing is considered a “sale” under the CCPA, as a California resident you have the right to opt-out of such sharing. If you would like us to no longer share your Personal Information in this way, please email firstname.lastname@example.org. If you opt-out, we may be unable to offer you some of our Services which require sharing of Personal Information. Personal information collected from a consumer as part of the submission of the opt-out request is to be limited to complying with the opt-out request.
In addition, California Civil Code Section § 1798.83 permits users of our Sites that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes (if applicable). To make such a request, please send an email or write to us (see Contact Information below).
8. DATA SECURITY
We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration and disclosure. All personal information you provide to us is stored on our secure servers behind firewalls. Any payment transactions will be encrypted using SSL or other encryption technology, or will use our third party payment processors, who will use appropriate security procedures.
The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Sites, you are responsible for keeping this password confidential. You should not share your password with anyone. We urge you to be careful about giving out information in public areas of the Sites like message boards. The information you share in public areas may be viewed by any user of the Sites.
Unfortunately, the transmission of information via the internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Sites. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Sites.
9. INTEGRATION OF THIRD-PARTY PLATFORMS AND SERVICES
The Sites may be linked to, rely on and be integrated with websites, applications, interfaces, services and platforms operated by other companies, including Third-Party Services. The Sites may also feature advertisements from these companies. We are not responsible for the privacy practices of such websites, applications, interfaces, services and platforms operated by third parties that are linked to, rely on and/or integrated with the Sites or for the privacy practices of third party advertising companies. Once you leave this Sites via a link, access a third-party service or click on an advertisement, you should check applicable privacy policies to determine, among other things, how related companies process Personal Information they may collect about you. This Privacy Notice applies solely to information collected by Everlywell and/or Natalist.
10. INFORMATION AND SAMPLE RETENTION
We are subject to multiple laws on the retention of information and will retain your information for as long as is reasonably necessary to comply with our business and legal obligations and to meet regulatory and compliance requirements.
11. GEOGRAPHIC RESTRICTION
Our Sites are intended for individuals who are 18 years of age or older and reside in the United States of America. We make no representations that our Sites or Services are appropriate or available for use outside of the United States. If you are a resident of another country, or are accessing the website from outside of the United States, please note that you are transferring data to the United States of America which does not have the same data protection laws as the European Union and other regions.
12. CHILDREN'S PRIVACY
We are committed to protecting the privacy of children as well as adults. A parent or guardian may create an account for, and provide information related to, his or her child who is under the age of 18. The parent or guardian assumes full responsibility for ensuring that the information that he/she provides is kept secure and that the information submitted is accurate.
13. GOVERNING LAW
All disputes arising out of or relating to the Privacy Notice or the purchase, registration, or use of any Everlywell or Natalist product or Services shall be governed by Texas law regardless of where you access the Sites or the Services, and notwithstanding any conflicts of law principles.
14. PRELIMINARY EQUITABLE RELIEF AND INTELLECTUAL PROPERTY CLAIMS
Either party may bring a claim related to intellectual property rights, or seek temporary or preliminary specific performance or temporary or preliminary injunctive relief, in any court of competent jurisdiction, without the posting of bond or other security.
15. CONTACT INFORMATION
To exercise your rights or to contact us, please email: email@example.com or:
Attn: Privacy Officer, Everly Health, Inc., 823 Congress Avenue, 12th floor, Austin, TX 78701
- Class Action Waiver. Any proceedings to resolve or litigate any dispute in any forum will be conducted solely on an individual basis. Neither you nor we will seek to have any dispute heard as a collective or class action or in any other proceeding in which either party acts or proposes to act in a representative capacity, and each party hereby waives any right to assert consolidated claims with respect to any disputes subject to arbitration under the Agreement. No arbitration or proceeding will be combined with another without the prior written consent of all parties to all affected arbitrations or proceedings.
- Limitation of Time to File Claims. Any action, claim or dispute you have against us must be filed within one year, unless prohibited by applicable law. To the extent permitted by law, any claim or dispute under this agreement must be filed within one year in an arbitration proceeding. The one-year period begins when the claim or notice of dispute first could be filed. If a claim or dispute is not filed within one year, it is permanently barred.