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Terms of Use and Privacy Policy

YOUR EXPLICIT CONSENT TO THE TERMS AND CONDITIONS CONTAINED IN THIS DOCUMENT IS REQUIRED AND ASSUMED BY CLICKING THE LINK TO VIEW THIS DOCUMENT.

TERMS OF USE

Welcome to the Virtual Advisor System Website (https://www.virtualadvisorsystem.com/) (“Site”) of Conneqtor, Inc. (Conneqtor), a firm located in Madison, WI. Please read the following information carefully before clicking the “I Accept” button at the bottom of the page.

INTRODUCTION

Conneqtor provides access to this Site exclusively for the individual (“You” or “Your” or “Yourself”) that has executed a license agreement that further governs the use of the Site and services provided by Conneqtor, which access is further subject to the following terms and conditions of website use (“Terms of Use“).

By accessing the Site and any pages thereof, You hereby consent to and accept these Terms of Use. If You do not agree to these Terms of Use, You may not use the Site.

Conneqtor will from time-to-time make changes to its Terms Of Use, and when changes are made, Conneqtor shall post such changes to its Site and request that all users review the same. Then, your continued use of the Site, or any services accessible through it after such posting or notification, shall serve as your explicit consent to the modifications.

If You violate any of these Terms of Use, in Coneneqtor’s sole discretion, your right to use the Site shall be terminated.

SERVICES

Services offered by Conneqtor on the Site are subject to applicable underlying agreements and licenses for such services that you executed with Conneqtor. These Terms of Use are intended to supplement the underlying agreements and licenses and such underlying agreements and licenses shall control in the case of a conflict with these Terms of Use.

PAYMENT OF FEES

The availability of all functions on the Site may be limited or restricted upon You fully paying all fees as they are due and owing. Certain fee structures may also limit functionality of aspects of the Site. Conneqtor may terminate access to the Site immediately and without notice to You if You have not paid all fees as they are due and owing.

AUTHORIZED USE

The Site is authorized for Your exclusive use via a unique username and password that you will create during the sign- up process. You are not authorized to create a link to the Site from any other website. You shall provide true, accurate, current and complete information about Yourself during sign up and as prompted by the registration form, if applicable. If any information provided by You is untrue, inaccurate, not current or incomplete, Conneqtor has the right to terminate Your account and refuse any and all current or future use of the Site.

You may access and use the Site only for Your own personal use. You shall not:

      1. Monitor, gather or copy any content on this Site by using any robot, “bot,” spider, crawler, spyware, engine, device, software, extraction tool or any other automatic device, utility or manual process of any kind;
      2. Copy, modify or distribute any portion of the Site;
      3. Use the Site to process data on behalf of any third party that is not subject to these Terms of Use or the underlying agreements and licenses;
      4. Frame or utilize framing techniques to enclose any trademark or other proprietary information (including, without limitation, any images, text or page layout of the Site);
      5. Engage in any activities through or in connection with this Site that seek to attempt to harm others or are unlawful, offensive, obscene, threatening, harassing, abusive or that violate any right of any third party;
      6. Attempt to circumvent the security systems of the Site;
      7. Attempt to gain unauthorized access to services, materials, other accounts, computer systems or networks connected to any server controlled or utilized by Conneqtor;
      8. License, sublicense, sell, resell, rent, lease, transfer, assign, distribute, time share or otherwise commercially exploit or make the Site available to any third party;
      9. Upload or submit any data or information that contains viruses or any other computer code, corrupt files or programs designed to interrupt, destroy or limit the functionality or disrupt any software, hardware, telecommunications, networks, servers or other equipment;
      10. Engage in any activity that interferes with a user’s access to this Site or the proper operation of this Site;
      11. Impersonate any person or entity;
      12. Resell or transfer the Site or use of or access to the Site to any third-party.

IF CONNEQTOR BECOMES AWARE THAT YOU ARE ENGAGING IN ANY OF THE PROHIBITED ACTIVITIES LISTED ABOVE, OR OTHER CONDUCT, WHICH IN CONNEQTOR’S SOLE DISCRETION IS HARMFUL TO CONNEQTOR OR THE SITE, CONNEQTOR RESERVES THE RIGHT TO REVOKE YOUR RIGHT TO THE SITE AND ANY PERMITTED USES THEREOF.

UNACCEPTABLE USE

You shall not use the Site in any illegal activity nor to post or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, offensive, or otherwise objectionable material of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or foreign law, including without limitation the U.S. export control laws and regulations.

SITE MONITORING

Conneqtor uses electronic means to track and monitor Your use of the Site. You acknowledge and agree that Conneqtor has the right to electronically monitor Your use of the Site using various methods, and to disclose any of the collected information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Site properly, or to protect itself or its subscribers. Conneqtor reserves the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of these Terms of Service.

COOKIES

Conneqtor may use a cookie or similar text files on some pages of the Site. A cookie is an element of data that a website can send to your browser, which may then store it on your computer. A cookie does not retrieve any other

data from Your hard drive, does not carry computer viruses and does not reveal anything about You that You have not already revealed. The Site makes extensive use of cookies to speed up certain functions by utilizing the processing capability of your browser and provide other benefits. You agree to turn on the use of cookies on your browser and acknowledge that the Site may not function properly without cookies being enabled.

SOFTWARE AND HARDWARE REQUIREMENTS

To access the Site, You must obtain at your own expense access to the Internet which involves computer hardware (e.g., computers, cable modems, wi-fi routers, printers) and software (e.g., web browser) requirements. You are solely responsible for any fees and charges related to your access to the Internet, including but not limited to any Internet Service Provider (ISP) fees, telephone charges and cellular provider charges. Certain segments of the Site may require additional hardware and/or software to effectively use the Site. A .pdf file viewer software product may also be needed to view certain online documents. Conneqtor requires You to use a web browser that supports adequate security measures which includes the use of Secure Socket Layer (SSL) encryption technology with minimum 128 bit encryption, and such standards may change from time-to-time as determined by Conneqtor.

Conneqtor recommends You use adequate anti-virus and anti-spyware software and that You keep such software current to help You avoid data compromise and related losses. You are responsible for selecting all such systems, hardware and your ISP. You are also responsible for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services. Conneqtor is not responsible for any computer virus or related computer hardware and software problems that may arise with your use of the Site services over the Internet.

LINKS TO OTHER WEB SITES

The Site may contain web links to third-party websites. These links are provided as a convenience to You and such third-party websites are not under Conneqtor’s control. Conneqtor makes no representations or warranties as to the accuracy and information on or from other websites. Please be advised that the privacy policy and security policy of third-party linked websites are not that of Conneqtor.

ELECTRONIC MAIL SECURITY

Electronic mail over the Internet is not secure or confidential. Conneqtor is not responsible for any damages in connection with electronic mail You send to Conneqtor or electronic mail sent to You, at your request.

COPYRIGHTS, TRADEMARKS AND/OR RESTRICTIONS ON USE

You acknowledge and agree that Conneqtor owns all right, title, and interest to the Site and all content and works of authorship displayed on the Site, except where expressly noted; including without limitation photos, text, icons, source code, video, software, graphics and sound recordings (including how such information and materials are arranged on the Site).

Such items are protected by copyright and/or other laws. You are authorized to view such information and materials on the Site only for Your own purposes. You may not copy, distribute, disseminate, sell, reproduce, display, link to, license, create derivative works of or republish the Site or any portion of the Site for any commercial or public purpose without Conneqtor’s prior express written consent.

In addition, you acknowledge and agree, that Conneqtor (or others, as indicated) owns the trademarks, service marks, registered service marks or registered trademarks and logos (each referred to as “Marks”) which are displayed on the Site. You shall not to use such Marks without the prior express written consent of Conneqtor or the indicated third- party that may own the Marks. You agree that except as expressly provided herein, Conneqtor has granted You no license, rights in or rights to use any of the Marks; Conneqtor and/or applicable third parties and licensors retain all rights to the Marks.

YOUR ACCOUNT, CREDENTIALS, AND ACCESS TO THE SITE

You are responsible for maintaining the confidentiality of Your account, usernames and passwords, and for restricting access to Your computer. You agree to accept responsibility for all activities that occur under your account or password and shall immediately notify Conneqtor of any unauthorized use of Your account or credentials.

You may access and maintain Your account information via the account portal on the Site. Through said portal, You will have access to Your basic account information and shall update it as required to maintain its accuracy. Additionally, though the account portal, You may delete Your information, cancel your account, or contact Conneqtor for support. If you need help accessing or removing any of your account information, please contact Conneqtor at conneqtor@virtualadvisorsystem.com.

HACKING AND UNAUTHORIZED INTRUSIONS BY THIRD-PARTY BAD ACTORS INTO THE SITE AND ITS RELATED SYSTEMS IS INEVITABLE. YOU ACKNOWLEDGE AND AGREE THAT CONNEQTOR SHALL NOT BE RESPONSIBLE FOR ANY DAMAGES STEMMING FROM SUCH UNAUTHORIZED ACCESS OR DISRUPTION OF THE SITE.

YOUR DATA

Conneqtor shall not own any right, title or interest to the data entered by you into the Site (“Your Data”). However, Conneqtor may collect information and data regarding how the Site is used, processes information, and otherwise performs. Conneqtor has the right to access and monitor the use of the Your Data and other actions and data within the Site and the use of the Site by You. All information collected by Conneqtor will be used by Conneqtor and not shared with third parties other than in the aggregate without any identifying information. Any information or data produced by the Site regarding the performance of the Site or analysis and compilations of aggregate data collected by Conneqtor is considered proprietary information owned by Conneqtor.

WARRANTY DISCLAIMER

THE INFORMATION, MATERIALS AND SERVICES CONTAINED IN THE SITE, INCLUDING TEXT, LINKS, GRAPHICS OR OTHER ITEMS ARE PROVIDED “AS AVAILABLE”, “AS IS.” CONNEQTOR MAKES NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE AND SERVICES HEREUNDER, OR ANY RELATED SERVICE, OR THE FITNESS OF THE SITE AND/OR SERVICES FOR YOUR USE.

CONNEQTOR HEREBY EXPRESSLY DISCLAIMS ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR IMPLIED WARRANTIES ARISING FROM A COURSE OF DEALING OR COURSE OF PERFORMANCE. NO ORAL OR WRITTEN INFORMATION GIVEN BY CONNEQTOR, ITS EMPLOYEES, LICENSORS OR THE LIKE WILL CREATE A WARRANTY HEREUNDER. ALSO, CONNEQTOR DISCLAIMS ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE SITE OR SERVICES PERTAINING TO NONINFRINGEMENT, SECURITY, ACCURACY, NON-INTERRUPTION AND FREEDOM FROM COMPUTER VIRUS. CONNEQTOR DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR ADEQUACY OF THE INFORMATION AND MATERIALS ON THE SITE.

CONNEQTOR MAKES NO REPRESENTATION THAT MATERIALS ON THIS SITE ARE APPROPRIATE OR AVAILABLE FOR USE IN LOCATIONS OUTSIDE THE UNITED STATES. ACCESS TO THIS SITE FROM COUNTRIES OR TERRITORIES WHERE SUCH ACCESS IS ILLEGAL IS PROHIBITED. IF YOU ACCESS THIS SITE OUTSIDE THE UNITED STATES, YOU DO SO ON YOUR OWN INITIATIVE AND ARE RESPONSIBLE FOR COMPLIANCE WITH LOCAL LAWS.

CONNEQTOR DOES NOT COMPLY WITH THE EUROPEAN GENERAL DATA PROTECTION REGULATION.

LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL EITHER YOU OR CONNEQTOR (AND THEIR RELATED PARTIES) (collectively “THE PARTIES”) BE LIABLE FOR ANY OF THE FOLLOWING: (I) DIRECT DAMAGES IN EXCESS OF THE ACTUAL FEE(S) PAID BY YOU TO CONNEQTOR FOR ACCESS TO THE SITE OR, (II) ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHER INDIRECT DAMAGES WHATSOEVER (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLES) ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE SITE OR ITS RELATED SERVICES WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF THE PARTY OR ITS RELATED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE PARTIES INTEND THAT THE LIMITATIONS AND DISCLAIMERS CONTAINED IN THIS SECTION SHALL BE VALID AND ENFORCED EVEN IF THEY FAIL OF THEIR ESSENTIAL PURPOSE.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Conneqtor and its respective directors, officers, employees, and agents from and against all claims and expenses (including reasonable attorneys’ fees) arising out of Your violation of the these Terms of Use or misuse of the Site.

GOVERNING LAW

These Terms of Use are governed by and shall be interpreted under the internal laws of the State of Wisconsin, excluding its conflict of law principles. VENUE AND JURISDICTION FOR ANY FEDERAL OR STATE COURT LITIGATION OR ANY ALTERNATIVE DISPUTE RESOLUTION INCLUDING MEDIATION AND ARBITRATION SHALL BE DANE COUNTY, STATE OF WISCONSIN.

 


 

CLICKING THE “I ACCEPT” BUTTON AT THE BOTTOM OF THIS PAGE SERVES AS YOUR EXPLICIT CONSENT TO THE TERMS AND CONDITIONS CONTAINED IN THIS DOCUMENT.

PRIVACY POLICY

This Privacy Policy describes the current policies and practices of Conneqtor, Inc (“Conneqtor”) with regard to Personal Data (defined below) collected by Conneqtor using its website: www.virtualadvisorsystem.com (“Website”) and its related web application. The term “Personal Data” refers to personally identifiable information about a person, such as a person’s full name, birth date, e-mail address or mailing address, phone number and any other information that can be used to identify or contact a specific person.

This Privacy Policy is periodically updated. Please check back on a regular basis for any changes. If there are changes to this Privacy Policy, Conneqtor will post an update on its website alerting users to the changes.

A USER’S CONTINUED USE OF THE WEBSITE AFTER UPDATES TO THIS PRIVACY POLICY SHALL SERVE AS EXPLICIT CONSENT TO THE UPDATED TERMS.

PERSONAL DATA COLLECTED

The only Personal Data Conneqtor currently collects through its Website is the Personal Data that is provided to Conneqtor to obtain access to the site. Currently, Conneqtor collects a user’s: First Name, Last Name, Address, E- Mail Address, and Social Media information (if applicable), along with a unique username and password.

Conneqtor does not process payments from users, but uses a third party payment processor who’s terms of use and privacy policy you can read here: .

CONNEQTOR DOES NOT COMPLY WITH THE EUROPEAN GENERAL DATA PROTECTION REGULATION.

ACCESS TO AND CONTROL OVER INFORMATION

Each user may access and update hisher Personal Data via the account portal on the Website. Additionally, from the account portal, a user can remove its Personal Data and cancel hisher account with Conneqtor. For help with further questions or access to Personal Data, a user can contact conneqtor@virtualadvisorsystem.com.

Additionally, via e-mail users can specifically request information about:

    • What data Conneqtor has about them, if any.
    • Changing/correcting any data Conneqtor has about them;
    • Deleting any data Conneqtor has about them and;
    • Expressing any concern that the user has about use of their data;

USE OF PERSONAL DATA COLLECTED

Conneqtor uses the Personal Data collected on the Website to allow Conneqtor to provide users with access to the Site and to ensure a user’s usage of the Site is in compliance with the Terms of Service and underlying licenses a user has signed. Conneqtor may also use the Personal Data to contact a user for a variety of reasons, such as but not limited to notifying a user about use of the Website, offering additional products or services, or requesting feedback on the Website or its related services.

DISCLOSURE OF PERSONAL DATA

Conneqtor may disclose Personal Data to third parties under certain circumstances. Conneqtor may disclose Personal Data to third parties if: 1) a user has requested that Conneqtor do so; 2) to comply with an applicable law, regulation, valid subpoena, or request of the US Government or; 3) Conneqtor is acquired by or merged into another entity, or all or a portion of Conneqtor’s assets are sold or otherwise transferred to another entity, Conneqtor may disclose Personal Data to that entity.

NON-PERSONAL DATA COLLECTED

Other data that does not qualify as Personal Data because it cannot be used to contact or identify users (“Non-Personal Data”) may also be automatically collected about a user utilizing the Website. For example, Conneqtor uses technology to automatically collect Non-Personal Data about the use of Website. This technology is used to track how many users access Website, the date and time of their visits, the length of their stays, and which pages they view. Conneqtor may also use technology to determine which web browsers users use and the address from which they accessed the Website. The information collected using this technology does not identify any user personally and is thus all Non-Personal Data that simply enables Conneqtor to compile statistics about users and their use of the Website and related services. Conneqtor uses this Non-Personal Data and may share it with third parties to improve the content and functionality of the Website, to better understand our customers and markets, and to improve our products and services.

Conneqtor may store certain information from a user’s web browser using “cookies.” A cookie is a piece of data stored on the user’s computer tied to information about the user. Conneqtor may use session-ID cookies to confirm that registered users are logged in. These cookies would terminate once the user closes the web browser. Conneqtor may also use persistent cookies that store certain Personal Data already provided to Conneqtor to make it easier for a user to log back into the Website. Cookies are used as a convenience feature for the user. A user can remove or block cookies using the settings in the user’s web browser if a user wants to disable such functions, but such action may impair the full functionality of the Website.

DO NOT TRACK SIGNALS

The Website does not track users over time and across third party websites to provide targeted advertising and, therefore, does not respond to Do Not Track (DNT) signals. However, some third party sites do keep track of browsing activities when they serve users content, which enables them to tailor what they present to different users. If a user is visiting such sites, a browser may allow users to set the DNT signal on that browser so that third parties (particularly advertisers) know that the user does not want to be tracked.

HACKING AND SECURITY

Conneqtor uses industry standard security measures to protect users’ Personal Data. While such security measures provide reasonable protections against unauthorized access, they provide no guarantee that Personal Data will not be compromised. HACKING AND UNAUTHORIZED ACCESS OCCURS AND CONNEQTOR PROVIDES NO GUARANTEE THAT PERSONAL DATA WILL NOT BE STOLEN OR MISUSED BY THIRD-PARTIES.

LINKS TO OTHER WEBSITES

The Website may contain web links to third-party websites. These websites are not under Conneqtor’s control. Conneqtor makes no representations or warranties as to the accuracy and information on or from other websites. Please be advised that the privacy policy and security policy of third-party linked websites are not that of Conneqtor.

QUESTIONS ABOUT OUR PRIVACY POLICY

If a user has any questions about this Privacy Policy or concerns about the way Conneqtor processes Personal Data, please contact Conneqtor at conneqtor@virtualadvisorsystem.com.

*MDRT is recognized throughout the industry as the standard of excellence in life insurance sales performance.