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LEGAL

Privacy Policy & Terms

Effective October 21, 2024. How we handle your information, our text-messaging (SMS) consent program, and the terms of using this site. This is the firm’s full policy.

Privacy Policy Terms & Conditions

Privacy Policy

EXPRESS WRITTEN CONSENT TO CONTACT

Your Insurance Attorney™ (“we,” “us,” or the “Firm”) collects the information you provide (such as your name, phone number, email address, and matter details) and technical information from your use of this site. We use this information to respond to inquiries, evaluate potential legal representation, operate and improve the site, and comply with law.

If you submit a form or provide your contact information to us, you expressly agree and consent to us contacting you about legal representation and related services by SMS/MMS, phone call, text, or email, which may be made using an autodialer or prerecorded/artificial voice.  Message and data rates may apply; message frequency varies; you can opt-out of texts at any time by replying  STOP  (text  HELP  for help).  Consent is not a condition of obtaining legal services.

We may share information with service providers and, as required by law, with regulators or courts. We do not allow third parties to use your information for their own marketing without your consent. Depending on your state, you may have rights to access, correct, or delete certain personal information; to exercise these rights or to update your contact preferences, use the contact information provided on our Site. We may update this Policy from time to time; the “Effective Date” below reflects the latest revision.

INFORMATION WE OBTAIN

Your Insurance Attorney™ currently collects information that can be used to personally identify visitors through this Web site, such as:

(a) Information that is automatically provided by visitors’ Internet service providers when you visit our Web site (such as IP addresses). This information is used to help us manage the Web site, to diagnose any problems with our server, to help you with technical problems, and sometimes to help us enforce compliance with our Terms of Use, or to otherwise protect our users and this Web site.

(b) Information that you provide when you choose to register to receive our newsletters, bulletins, event notifications and the like, such as your name and contact details. We will use this information to provide you with the information you request and other items which we believe may be of interest to you.

(c) Information that you provide when you send emails to Your Insurance Attorney™, again such as contact details. We will use this information to help us review and respond to your emails. Any email to this Web site and any reply thereto do not, in and of themselves, create an attorney-client relationship, and the sender must have no expectation whatsoever of confidentiality with regard to any information contained in his or her email(s). Do not send any information to this Web site that you wish to keep confidential.

(d) Information that may be obtained by or provided to us in other manners customary for the operation of a Web site of this nature, such as server logs.

Your Insurance Attorney™ may also use your personal information for our own internal purposes, such as tracking Web site usage and determining areas of interest for users of this site. If you wish to be added to or removed from our database or if you would like to correct your information to ensure that it is accurate and kept up to date, please email  info@yourinsuranceattorney.com .

DATA SECURITY, TRANSFER OF INFORMATION ABROAD, AND DISCLOSURE TO THIRD PARTIES

We may disclose your personal information to any of our affiliate offices for the above purposes.

We may also disclose your personal information if we are under a duty to disclose or share your personal data in order to comply with any legal or regulatory obligation, or in order to enforce or apply our terms of use and other agreements; or to protect the rights, property, or safety of Your Insurance Attorney™, our clients, or others. We will not otherwise sell or otherwise provide your information to third parties.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site. As such, any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorized access.

This privacy policy does not apply to third party Web sites (if any) that may be accessed through this Web site. We may provide links to other Web sites that contain information that we believe may be useful to you or that you will find valuable. However, we have not investigated the security of those linked Web sites and you should not assume those sites have a privacy policy equivalent to ours. If you have any questions regarding the privacy or security of those sites, you should contact the appropriate people at those sites directly.

COOKIES

In the case of visitors that register on this Web site to receive newsletters, bulletins, event notifications and the like, and in certain other instances, Your Insurance Attorney™ may use “cookies.”

“Cookies” are used to store and sometimes track your preferences in order to provide you with customized and personalized services. A cookie is data sent to your Internet browser from a Web server and stored on your computer hard drive. Cookies make your Web experience easier by storing passwords and preferences. Cookies are used by most Internet Web sites.

You can adjust your browser settings to refuse all cookies or to inform you when a cookie is being placed on your hard drive. However, your election not to accept cookies may diminish your experience with Web sites because of additional time needed to repeatedly enter personal identifying information.

CHANGES TO THIS PRIVACY POLICY

Your Insurance Attorney™ reserves the right to change, at any time without advance notice, this privacy policy. Should any new policy go into effect, Your Insurance Attorney™ will post it on this Web site and the new policy will apply only to information collected thereafter.

TYPES OF PERSONAL INFORMATION WE COLLECT

The types of personal information we collect will depend on the services you request

and, if you are a client, the nature of our representation or your case. Below describes

some of the categories (with non-exhaustive examples) of personal information we may

collect about you:

A. Individual Identifiers and Demographic Information

 Contact information, such as name, email address, phone number, mailing

address, job title, and organization.

 Identifiers, such as client ID, username, IP address, device ID, and other online

identifiers that may be collected automatically when you use the Platform.

 Demographic information, such as date of birth and general location

information like city, state, and geographic area.

B. Sensitive Personal Information

 Government ID numbers, such as Social Security number, driver’s license

number, passport number, and other identification information.

 Financial information, such as financial account numbers, wiring instructions,

insurance policy numbers, invoices, and other payment or bank account details.

 Medical information, such as doctor’s notes, treatment plans, medical

conditions, prescription medicines, insurance documentation, doctor visit

information, daily symptom reporting, and other records and information.

C. Geolocation Data

 Precise physical location, which we may collect via the App if you consent to

that collection through the App.

E. Sensory Data

 Call recordings, such as our recordings of calls you make to our customer

service team.

 Other sensory data, such as any audio recordings, photographs, videos, or

similar data that may be provided as part of a case file.

F. Commercial Information

 Representation information, such as details about your claim, case, or other

legal matter, the distribution of settlement or other payments to you (if

applicable).

 Account information, such as the username and password you provide when

you register for an account and any information stored or transmitted in your

account or profile.

 Communications, such as when you call or email us, confidential and privileged

communications that you may make with our attorneys, and your conversations

with our digital chat services.

G. Internet or Network Activity

 Online activity information, such as linking pages, pages or screens viewed,

time spent on a page or screen, navigation paths between pages or screens,

information about activity on a page or screen, access times, duration of access,

and other online activity information.

 Device information, such as computer and mobile operating system, operating

system type and version number, wireless carrier, manufacturer and model,

browser type, screen resolution, general location information such as city, state,

or geographic area, and other device information collected automatically.

H. Professional or Employment-Related Information

 Job application information, such as your resume or CV, background check

information, references, and other information.

 Employment information, such as title, role, employer, employment history,

current or past job history, and other professional information.

I. Education Information

 Education records, such as transcripts or education history.

J. Inferences Drawn from Personal Information

 Profiles reflecting preferences, characteristics, psychological trends,

predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.

We may collect the categories of personal information described above from the

following sources:

Personal Information You Provide Us. We collect the personal information that you

provide to us while using our Platform, including contacting us, creating an account,

applying for a position, or otherwise. Further, where expressly designated by YIA, some

portions of the Services may be used by active YIA clients to communicate pursuant to

an attorney/client relationship. You may choose whether or not to provide such

information; however, the information may be required to respond to your request.

Personal Information Collected Automatically. We and our third party providers may

use cookies and other technologies such as log files, cookies, tracking pixels, and

analytic tools and services to collect personal information automatically about you. Such

information includes your geolocation and the online identifiers, device information, and

online activity information described above.

To facilitate the automatic collection described above, we may use the following

technologies:

 Cookies. A cookie is a small piece of data stored by your web browser on your

computer or mobile device. We use cookies to collect information from you

regarding your usage of the Platform in order to remember user preferences and

settings, personalize your experience with the Platform, facilitate online

advertising, and for security purposes. You may opt-out of the automatic

collection of some information by referring to your web browser or mobile device

options or settings menu. However, doing so may disable many of the portions,

features, or functionality of the Platform. Each browser is different, so check the

“Help” menu of your browser to learn how to change your cookie preferences or

visit http://www.allaboutcookies.org for more information.

 Pixels. Pixels, which are also known as “web beacons,” or “clear GIFs,” are

typically used to determine whether a webpage or email was accessed or

opened, or that certain content was viewed or clicked. Data collected from pixels

is often used to compile statistics about usage of websites and the success of

email marketing campaigns.

Personal Information Collected from Third Parties. We may also collect or receive

personal information from third parties, which may include:

 Our business partners, such as third-party data providers and advertising

partners.

 Public sources, such as social media platforms and publicly-available records.

 Individuals or entities involved in our clients’ legal matters, such as doctors,

other parties, and other individuals that you may direct to provide us with

information.

 Referral sources, such as members of our referral network, website

submissions, and other referral sources.

ONLINE ANALYTICS

We may use third party analytics tools, such as Google Analytics, in order to better

understand your use of our Platform and how we can improve them. These tools collect

information sent by your browser or mobile device, including the pages you visit and

other usage information. For more information regarding how Google collects, uses, and

shares your information please visit http://www.google.com/policies/privacy/partners/. To

prevent data from being used by Google Analytics, you can download the opt-out

browser add-on at: http://tools.google.com/dlpage/gaoptout?hl=en.

USE OF PERSONAL INFORMATION

We may use the personal information we collect for the following purposes and as

otherwise described in this Privacy Policy or at the time of collection:

To Provide Our Platform. We use personal information to provide our services,

including the Platform. For example, we use personal information:

 to facilitate your requests for a free case evaluation and determine your legal

needs;

 to provide you with legal and other services, content, and features you request;

 to create, manage, and monitor your account;

 to respond to your inquiries and communicate with you, including placing calls or

sending texts using any automated technology, including prerecorded messages;

 to operate, troubleshoot, and improve the Platform;

 to process your transactions, invoices, and settlement payments;

 to understand your interests, personalize your experience on the Platform, and

deliver information about products and services relevant to your interests;

 respond to your inquiries and requests for customer support, including to

investigate and address your concerns and monitor and improve our responses;

and

 enable security features of the Platform, such as by sending you security codes

via email or SMS, and remembering devices from which you have previously

logged in.

For Direct Marketing. We may use your personal information to send you newsletters,

legal updates, event information, marketing communications, and other information that

may interest you.

For Research and Development. We use personal information for research and

development purposes and to understand how people are using the Platform, including

by generating and analyzing statistics, preferences, and usage trends, to make our

Platform and other offerings better, diagnose technical issues, and develop new

features and functionality. As part of these activities, we may create aggregated, de-

identified or other anonymous data from personal information we collect. We make

personal information into anonymous data by removing information that makes the data

personally identifiable to you. We may use this anonymous data and share it with third

parties for our lawful business purposes, including to analyze and improve the Platform

and promote our business.

For Hiring Purposes. If you apply to one of our open positions, submit application

information or inquire about a position, we will use your personal information as part of

the evaluation, recruitment, and hiring of personnel, including conducting background

checks and contacting references.

For Compliance, Fraud Prevention and Safety.

 to enforce our Terms of Use and other agreements we may have;

 to comply with applicable laws, regulations, and legal processes;

 to protect our, your, or others’ rights, privacy, safety, or property (including by

making and defending legal claims)

 to maintain the security and integrity of our business, the Platform, users, our

third party business partners and service providers, our databases and other

technology assets;

 audit our internal processes for compliance with legal and contractual

requirements and internal policies; and

 prevent, identify, investigate and deter fraudulent, harmful, unauthorized,

unethical or illegal activity, including cyberattacks and identity theft.

For Interest-Based Advertising. We, our business partners, and our third-party

advertising partners may collect and use your personal information for advertising

purposes. We may contract with third-party advertising companies and social media

companies to help us advertise our services, identify potential clients, and display ads

on our Platform and other sites and services, including through the use of interest-

based advertising. These companies may use cookies and similar technologies to

collect information about you (including the device information and online activity

information described above) over time across our Platform and other sites and services

or your interaction with our emails, and use that information to serve ads that they think

will interest you and/or use hashed client lists that we share with them to deliver ads to

you and to similar users on their sites and services. You can learn more about your

choices for limiting interest-based advertising in the Advertising Choices section

below.

For Data Enrichment and Client Development. We use the personal information we

collect automatically via tracking pixels and directly from third-party data providers to

enhance the personal information we have about you and other potential clients which

allows us to better market our legal services. If you are a resident of California or other

state that affords you the right to opt out, please see the section below titled Your

Privacy Rights.

SHARING OF PERSONAL INFORMATION

In addition to the specific situations discussed elsewhere in this Privacy Policy or as

otherwise described at the time of collection, we may share personal information with

the following categories of recipients:

Service Providers. YIA may share your personal information with third-party service

providers that perform services for us or on our behalf, such as web-hosting companies,

mailing vendors, analytics providers, event hosting services, data providers, marketing

consultants, and information technology providers. These third-party service providers

have limited access to personal information only as needed to perform their functions on

our behalf and for no other purpose. YIA will not share with third-party service

providers any text message originator opt-in data and consent, or any election to

receive SMS communications.

Other Law Firms or Lawyers. YIA may share, at your direction or with your

permission, your personal information with other law firms and/or other lawyers where

we jointly represent a client and when we refer cases or potential cases to other

counsel, or as otherwise required in connection with our legal representation of you.

Personal information provided pursuant to an attorney/client relationship may not be

shared with third parties except as is done with such precautions to preserve the

confidentiality of such information and any attorney/client privilege as may attach to

such information.

Authorities, Law Enforcement, and Others. YIA may disclose personal information to

comply with laws, regulations or other legal obligations, to assist in an investigation, to

protect and defend our rights and property, or the rights or safety of third parties, to

enforce our agreements, Terms of Use or this Privacy Policy or agreements with third

parties, or for crime-prevention purposes.

Business Transactions. YIA may disclose your personal information to service

providers, advisors, potential transactional partners, or other third parties in connection

with the consideration, negotiation, or completion of a transaction (or potential

transaction) such as a corporate divestiture, financing, merger, consolidation,

acquisition, reorganization, sale, spin-off, or other disposition of all or any portion of the

business or assets of, or equity interests in, YIA or our related companies (including in

connection with a bankruptcy or similar proceedings).

Advertising Partners. We may share your personal information with third party

advertising or joint marketing partners for the purposes described in this Privacy Policy

or at the time of collection.

Professional Advisors. We may disclose your personal information to our professional

advisors, such as lawyers, bankers, auditors and insurers, where necessary in the

course of the professional services that they render to us.

Affiliates and Related Companies. We may share your personal information with

companies that are affiliated with us (that is, that control, are controlled by, or are under

common control with us) or may be affiliated with us in the future for the purposes

described in this Privacy Policy.

Consent. YIA may otherwise disclose your personal information in accordance with

your consent.

YOUR CHOICES

Opt-Out of Marketing Communications. If you no longer wish to receive marketing

communications from us, you can let us know by sending an email to

info@yourinsuranceattorney.com or by mail at the address provided below in

Contact Us. The electronic marketing communications we send may also contain an

opt-out mechanism. Please note that it may take up to 10 calendar days to remove your

contact information from our marketing communications lists, so you may receive

correspondence from us for a short time after you make your request. Please also

contact us to update or correct your information if it changes or if you believe that any

information that we have collected about you is inaccurate.

Text Messages. We may offer communications via SMS texts or similar technology

sent by YIA or our service providers, such as when we send you text messages for

customer service, account-related, or marketing purposes. To stop receiving text

messages from a short code operated by YIA, reply STOP. Note that we may send you

a message to confirm receipt of your STOP request. Message and data rates may apply

for this service. You can also opt-out of YIA marketing texts by emailing us your request

and mobile telephone number to info@yourinsuranceattorney.com.

Cookies. Most browsers let you remove or stop accepting cookies from the websites

you visit. To do this, follow the instructions in your browser’s settings. Many browsers

accept cookies by default until you change your settings. You can also adjust your

cookie preferences in our website’s cookie management settings. If you do not accept

cookies, however, you may not be able to use all functionality of the Platform and our

Site may not work properly. For more information about cookies, including how to see

what cookies have been set on your browser and how to manage and delete them, visit

www.allaboutcookies.org.

Advertising Choices. Some of our advertising partners are members of the Network

Advertising Initiative (NAI) and are subject to the Self-Regulatory Principles for Online

Behavioral Advertising published by the Digital Advertising Alliance (DAA). You can

obtain more information about these companies’ information collection practices and

opt-out of receiving interest-based advertising from participating NAI and DAA members

at http://www.networkadvertising.org/managing/opt_out.asp and/or the DAA’s

website at optout.aboutads.info. You can also limit collection of your information for

interest-based ads by blocking third party cookies in your browser settings or using

privacy plug-ins or ad blocking software that help you block third party cookies. In

addition, your mobile device settings may provide functionality to limit use of the

advertising ID associated with your mobile device for targeted online advertising

purposes. If you opt-out of interest-based advertisements, you will still see

advertisements online but they may be less relevant to you. Some of the third party

advertising companies we may work with offer their own opt-out options that you can

use to limit their use of your information for interest-based advertising. Please note that

we also may work with companies that offer their own opt-out mechanisms, such as

Google (https://adssettings.google.com/authenticated) and Facebook

(https://www.facebook.com/about/ads), or do not participate in the opt-out

mechanisms described above. Even after using these opt-out mechanisms, you may

receive interest-based advertising from other companies.

Declining to Provide Information. We need to collect personal information to provide

certain services. If you do not provide the information requested, we may not be able to

provide those services.

INFORMATION SECURITY

YIA takes commercially reasonable measures to secure and protect the personal

information we collect. Nevertheless, no security system is impenetrable. We cannot

guarantee the absolute security of your personal information. Moreover, we are not

responsible for the security of information you transmit to us over networks that we do

not control, including the Internet and wireless networks.

LINKED WEBSITES

This Privacy Policy does not apply to third-party websites or social media features that

may be accessed through links that we provide for your convenience and information.

Accessing those links will cause you to leave YIA’s website and may result in the

collection of information about you by a third party. We do not control, endorse or make

any representations about those third party websites or their privacy practices, which

may differ from ours. We encourage you to review the privacy policy of any site you

interact with before allowing the collection and use of your information.

USING THE PLATFORM FROM OUTSIDE THE UNITED STATES

YIA is headquartered in the United States of America, and we may have affiliates and

service providers in the United States and other countries. Please be aware that your

personal information may be transferred to, stored or processed in the United States,

where our servers are located and our central database is operated, and other locations

outside of your home country. The data protection and other laws of these countries

might not be as comprehensive as those in your country. By using any portion of the

Platform, you understand and consent to the transfer of your personal information to our

facilities in the United States and those third parties with whom we share it as described

in this Privacy Policy.

CHILDREN’S PRIVACY

We do not knowingly solicit or collect personal information online from children under

the age of 16. Please contact us as provided below in the Contact Us section if you

believe we may have collected such information.

NOTICE TO CALIFORNIA RESIDENTS

This section applies to our collection and use of Personal Information if you are a

resident of California, as required by the California Consumer Privacy Act of 2018 and

its implementing regulations, as amended by the California Privacy Rights Act (CCPA),

where “Personal Information” has the definition set forth in the CCPA.

YIA makes the following disclosures regarding the Personal Information it has collected

within the 12-month period preceding the Effective Date of this Privacy Policy:

Sources of Personal Information

We collect Personal Information from the categories of sources detailed in the “Types of

Personal Information we collect” section above.

Use of Personal Information

We collect Personal Information for the business and commercial purposes detailed in

the “Use of Personal Information” section above.

Disclosure of Personal Information

The categories of third parties to whom we disclose Personal Information for a business

or commercial purpose are detailed in the “Sharing of Personal Information” section

above. The categories of third parties to whom we share Personal Information are

summarized in the chart below. We do not knowingly sell or share the Personal

Information of minors under the age of 16.

Categories of Personal Information We Collect → Categories of Third Parties to

Whom We Share Personal Information

 Identifiers → Third-party marketers; analytics providers; other third parties that

set cookies and other online tracking technologies on our Platform.

 Personal Information (California customer records law) → We do not sell or

share this category.

 Commercial Information → We do not sell or share this category.

 Characteristics of protected classifications → We do not sell or share this

category.

 Internet or other similar network activity → Third-party marketers; analytics

providers; other third parties that set cookies and other online tracking

technologies on our Platform.

 Geolocation data → We do not sell or share this category.

 Audio, electronic, visual, thermal, olfactory, or similar information → We do

not sell or share this category.

 Inferences drawn from other Personal Information → We do not sell or share

this category.

 Professional or employment-related information → We do not sell or share

this category.

 Non-public education information (FERPA) → We do not sell or share this

category.

 Sensitive Personal Information → We do not sell or share this category.

YOUR PRIVACY RIGHTS

This section applies only to residents that have specific privacy rights afforded to them

under the CCPA or any other applicable U.S. state privacy law. It describes how we

collect, use, and share personal information when we act as a “business” or “controller”

as defined under applicable privacy laws, and their rights with respect to their personal

information. For purposes of this section, “personal information” has the meaning given

under applicable privacy laws but does not include information exempted from the

scope of those laws.

California Civil Code Section § 1798.83 permits users of our Platform who are California

residents to request certain information regarding our disclosure of personal information

to third parties for their direct marketing purposes. To make such a request, please send

an email to info@yourinsuranceattorney.com.

Your Privacy Rights

Subject to certain exceptions, you may have the following rights with respect to your

personal information:

 Access. The right to request information on the categories of personal

information that we collected about you in the previous 12 months, the categories

of sources from which the personal information was collected, the specific pieces

of personal information we have collected about you, the business and

commercial purposes for which such personal information is collected and

shared, and the categories of third parties to whom we disclose such personal

information.

 Erasure. The right to request we delete your personal information, subject to

certain exceptions.

 Correction. The right to correct inaccuracies in your personal information.

 Opt-Out of Certain Processing. The right to: (a) opt out of the processing of

your personal information for purposes of targeted advertising, (b) opt out of the

sale or sharing of your personal information, and/or (c) opt out of the processing

of your personal information for profiling.

 Non-discrimination. You are entitled to exercise the rights described above free

from discrimination or legally prohibited increases in the price or decreases in the

quality of our products and services.

Please note, these rights are not absolute and in some situations we may not be able to

respond to your request, such as when a legal exemption applies or if we are not able to

verify your identity.

How to Request to Exercise Your Privacy Rights

If you would like to exercise your rights listed above, please follow the directions below:

 Access and Erasure Rights. Send (or have your authorized agent send) an

email to info@yourinsuranceattorney.com or call us toll-free at: 888-570-5677.

 Right to Opt-Out. To exercise your right to opt-out of the sale or sharing of your

personal information, or opt out of targeting advertising, please click “Do Not

Sell or Share My Personal Information” on our Site. You may also opt out by

broadcasting an Opt-Out Preference Signal, such as the Global Privacy Control

(GPC). We honor Opt-Out Preference Signals, including GPC. If you choose to

use an Opt-Out Preference Signal, you will need to turn it on for each supported

browser or browser extension you use.

While we take measures to ensure that those responsible for receiving and responding

to your request are informed of your rights and how to help you exercise those rights,

when contacting us to exercise your rights, we ask you to please adhere to the following

guidelines:

 Tell Us Which Right You Are Exercising: Specify which right you want to

exercise and the personal information to which your request relates (if not to

you). If you are an authorized agent acting on behalf of another consumer,

please clearly indicate this fact and your authority to act on such consumer’s

behalf. We may require the requester’s proof of identification, the authorized

agent’s proof of identification, and any other information that we may request in

order to verify your request, including evidence of valid permission to act on

requester’s behalf.

 Help Us Verify Your Identity: Provide us with information to verify your identity.

Please note that if we cannot initially verify your identity, we may request

additional information to complete the verification process. Any personal

information you disclose to us for purposes of verifying your identity will solely be

used for the purpose of verification.

 Direct Our Response Delivery: Please provide us with an e-mail or mailing

address through which we can provide our response. If you make the request by

email, unless otherwise requested, we will assume that we can respond to the

email address from which you made the request.

You will not have to pay a fee to access your personal information (or to exercise any of

the other rights). However, we may charge a reasonable fee or decline to comply with

your request if your request is clearly unfounded, repetitive, or excessive.

We try to respond to all legitimate requests within 45 days of your request. Occasionally

it may take us longer than 45 days to respond, for instance if your request is particularly

complex or you have made a number of requests. In this situation, we will notify you of

the delay, and may continue to update you regarding the progress of our response.

CHANGES TO THIS PRIVACY POLICY

YIA may change this Privacy Policy from time to time to reflect changes in our practices

or in applicable law. Such changes will be effective upon posting the revised Privacy

Policy on our Platform. You will be able to tell when this Privacy Policy was last updated

by the Last Updated date included at the top of this Privacy Policy. By continuing to use

our Platform, or communicating electronically with us thereafter, you agree to accept

such changes to this Privacy Policy.

CONTACT US

If you have any questions about this Privacy Policy or YIA’s information privacy

practices, please contact us at:

 E-mail: info@yourinsuranceattorney.com

 Telephone: 888-570-5677

 Mail: Your Insurance Attorney, PLLC, Attn: Privacy Policy (see the Site’s

Contact page for the current mailing address)

Consumer Health Data Privacy Notice (Washington and Nevada)

Last Updated/Effective Date: November 19, 2024

This Consumer Health Data Privacy Notice (“Notice“) applies to personal data defined

as “Consumer Health Data” subject to the Washington My Health My Data Act, Nevada

Health Data Privacy Act, and other applicable state consumer health privacy laws

(“Consumer Health Privacy Laws”). As used in this Notice and defined by Consumer

Health Privacy Laws, “Consumer Health Data” means personal information that is

linked or can be reasonably linked to a consumer and that identifies the consumer’s

past, present or future physical or mental health status. Consumer Health Data does not

include information pertaining to individuals with whom we have an employment

relationship.

If we make any material updates to this Notice, we will notify you as required by

Consumer Health Privacy Laws. We reserve the right to amend this Notice at our

discretion and at any time.

Categories of Consumer Health Data We Collect

We may collect the categories of Consumer Health Data listed below.

 Information about your health-related conditions, symptoms, status, diagnoses,

testing, or treatments (including surgeries, procedures, medications, or other

interventions);

 Information that could identify your attempt to seek health care services or

information, including services that allow you to assess, measure, improve, or

learn about your or another person’s health; and

 Any other information that may be used to infer or derive data related to the

above or other health information.

Sources of Consumer Health Data

We collect Consumer Health Data from the following sources:

 Directly from you or by a member of your household, such as when you request

a case evaluation;

 From our business and marketing partners who provide us with information about

individuals who are viewing our website content;

 From other third-party sources such as data brokers who provide us with

information about individuals; and

 From publicly available sources.

Purposes of Collection and How We Use It

We collect and use your Consumer Health Data to gather important information about

you (or your dependents) so we can facilitate your requests for a case evaluation,

determine your legal needs, to provide you with legal services that you have requested

or connect you with one of our partners to provide you with legal services that you have

requested, and otherwise with your express consent.

Disclosure of Consumer Health Data

We disclose the categories of Consumer Health Data above with our data processors,

service providers, and contractors. We may also disclose Consumer Health Data as

permitted by law, such as (i) with your consent, (ii) if needed to protect your vital

interests, such as in the event of a medical emergency, (iii) to an acquiring organization

if we are involved in a sale or a transfer of our business, (iv) as needed to prevent,

detect, protect against, or respond to security incidents, identity theft, fraud,

harassment, malicious or deceptive activities, (v) as needed to preserve the integrity or

security of our systems, or (vi) to investigate, report, or prosecute those responsible for

any action that is illegal under applicable law.

With your express consent, documented by your electronic or written agreement, we

may share your Consumer Health Data with third parties, including plaintiff law firms in

our network that may have an interest in representing you.

Your Privacy Rights and How to Exercise Them

If you are covered by applicable Consumer Health Privacy Laws, you may have certain

rights with respect to your Consumer Health Data, including:

 The right to know if we are collecting, using or disclosing your Consumer Health

Data, to access that Consumer Health Data, including receiving a list of the third

parties with whom we have shared or sold your Consumer Health Data.

 The right to request that we delete your Consumer Health Data.

 If we are processing your Consumer Health Data with your consent, you have the

right to withdraw that consent.

To submit a request, please contact us at info@yourinsuranceattorney.com or 888-

570-5677. We will verify your requests and process them as required by Consumer

Health Privacy Laws. Please allow up to 45 days for a response. If we deny your

request and you wish to make an appeal, please send us an email to

info@yourinsuranceattorney.com. If your appeal is unsuccessful, you may lodge a

complaint with the Washington State Attorney General at www.atg.wa.gov/file-

complaint, the Nevada State Attorney General at

https://ag.nv.gov/complaints/file_complaint/, or other regulatory authority as

applicable.

Contact Us

Please contact us directly with any questions or concerns you may have about the

privacy of your Consumer Health Data or this Notice. You can call us at 888-570-5677

or email us at info@yourinsuranceattorney.com.

CONSENT TO DISCLOSE CONSUMER HEALTH DATA FOR MARKETING

PURPOSES

I, the undersigned, authorize Your Insurance Attorney, PLLC (“YIA”) to disclose my

health information, including my contact information and information about my health

conditions and injuries (“Consumer Health Data”) to third parties including YIA’s network

of plaintiff law firms with whom YIA works for the purpose of marketing their legal

services to me and communicating with me regarding their potential representation.

I understand that YIA may receive remuneration (i.e., compensation) from third parties

for purposes of providing this information to them and I understand that I may obtain

contact information for any of these third parties by contacting YIA directly.

I understand that signing this authorization is voluntary and that the provision of any

services will not be conditioned upon execution of this authorization.

I understand that once my information is disclosed pursuant to this authorization, it

could be redisclosed by the person or entity receiving the information and that my

information may no longer be protected by any applicable federal or state laws.

I understand that I may revoke this authorization at any time by contacting YIA at

info@yourinsuranceattorney.com. However, the revocation will not apply to actions

taken by YIA prior to the time it receives my revocation.

This authorization shall expire one year following the date of my signature unless I

revoke this authorization sooner.

I have read and understand the terms of this authorization and I agree to those terms. I

understand that I have a right to receive a copy of this authorization upon my request.

BY CHECKING THE BOX ON YOURINSURANCEATTORNEY.COM WEB

SUBMISSION FORM, YOU PROVIDE YOUR ELECTRONIC SIGNATURE TO THIS

CONSENT FORM.

CONTACT INFORMATION

If you have any questions concerning this policy, please email  info@yourinsuranceattorney.com

As used herein, “Your Insurance Attorney™” refers to Your Insurance Attorney™, a Florida professional limited liability company, and its related entities, as described on this Web site.

Effective Date: October 21st 2024.

Terms & Conditions

Terms & Conditions

EXPRESS WRITTEN CONSENT TO CONTACT

This Site provides general information and advertising for legal services; it is not legal advice. No attorney–client relationship is formed by viewing the Site, submitting a form, or sending us information ; such a relationship is created only by a signed engagement agreement. Do not send confidential information through the Site. Past results do not guarantee a similar outcome. By using the Site, you agree to these Terms and our Privacy Policy.

By submitting a form or otherwise providing your contact information on this Site,  you represent that you are the subscriber or customary user of that contact method and expressly consent to receive calls, emails and texts messages from us about legal representation and related services, including via autodialer and/or prerecorded/artificial voice or any other method.  Message/data rates may apply; frequency varies; reply  STOP  to opt-out (HELP for help).  Consent is not required to obtain legal services, and you may revoke consent at any time  using the opt‑out methods above or via the contact information on the Site. If you do not agree, please do not use this Site.

Your Insurance Attorney Text Messaging Terms & Conditions –

YIA TXT is a standard-rate MMS/SMS program which provides text communication

to subscribers. Subscribers have provided express consent to receive recurring messages from

Your Insurance Attorney via short code 411-911 while understanding that consent is not a condition of

purchase or service from Your Insurance Attorney and that message and data rates may apply.

Privacy Policy

Support

Text the word HELP to 411-911 to receive customer support information, or call 877-857-5677

Unsubscribing

Send STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to o opt out of YIA TXT

SMS Active Keywords

HELP, STOP, END, QUIT, CANCEL, UNSUBSCRIBE

Supported SMS and MMS Carriers

Carriers are not liable for delayed or undelivered messages. YIA TXT is available on the

following carriers: AT&T, Sprint, T-Mobile, Verizon Wireless, and others.

SMS Carriers

  • AT&T
  • Sprint
  • T-Mobile
  • Verizon Wireless
  • ACS Wireless
  • All West Communications
  • Appalachian Wireless
  • Atlantic Tele/Choice
  • AWCC
  • Bluegrass Cellular
  • Boost Mobile
  • Brightlink
  • Cablevision
  • Carolina West Wireless
  • Cellcom
  • Cellular South (C-Spire)
  • CellularOne (of NE AZ)
  • Chariton Valley Wireless
  • Chat Mobility
  • Cincinnati Bell
  • Copper Valley
  • Cricket / Leap
  • CTC Telecom
  • Custer Telephone
  • DTC Wireless (Advantage)
  • Duet IP
  • Eagle Telephone System
  • ECIT
  • Element Wireless
  • Enflick Inc
  • Epic Touch
  • Farmers Mutual Telephone
  • Flat Wireless
  • GCI / Alaska Digitel
  • Gold Star Communications
  • Google Voice
  • Illinois Valley
  • Immix Wireless (Keystone)
  • Inland Cellular
  • Layered Communications
  • Leaco Rural Telephone
  • Manti Tel
  • Metro PCS
  • Mid-Rivers Communications
  • Mobi PCS
  • MobileNation / SI Wireless
  • Mosaic
  • MTA
  • MTPCS Cellular

One/CellOne Nation

  • NE Cellular One of PA
  • Nemont Sagebrush Cellular
  • Nex-Tech
  • nTelos
  • Nucla-Naturita Tel
  • NW Missouri Cellular
  • Peoples Wireless
  • Pine Cellular
  • Pioneer Cellular
  • Plateau Wireless
  • PTCI (Panhandle Wireless)
  • Republic Wireless
  • South Central Utah
  • SouthernLINC Wireless
  • SRT Wireless
  • Standing Rock
  • Syringa Wireless
  • Thumb Cellular
  • Triangle Wireless
  • UBET
  • Union Wireless
  • United Wireless
  • US Cellular Corp
  • Viaero Wireless
  • Virgin Mobile USA
  • West Central Cellular

MMS Carriers

  • AT&T
  • Sprint
  • T-Mobile
  • Verizon
  • Boost Mobile
  • Cricket / Leap
  • Metro PCS
  • US Cellular Corp
  • Virgin Mobile USA

Disclaimer and Terms of Service

Thank you for visiting the website or utilizing the mobile application of Your Insurance

Attorney, PLLC and/or its affiliates (“YIA,” “we”, “us”, or “our”). The YIA Terms of Use

(“Terms” or “Terms of Use”) constitute a legally binding agreement between you and

YIA, governing your use of and access to the website located at

https://yourinsuranceattorney.com, any affiliated websites linked to these terms, and

any mobile applications currently available or introduced in the future (collectively

referred to as the “Site” or any of its components). The content provided on the Site is

intended for educational and informational purposes only, and should not be construed

as legal advice. It is important to note, as further detailed below, that the Site does not

provide medical advice and should not influence any medical decisions or substitute

professional medical advice.

The content on this Site does not constitute an offer to provide services on any matter. It

presents general information sourced from various outlets and may not reflect the latest

legal developments, verdicts, or settlements. We do not commit to updating the content

on our Site to reflect subsequent legal or other changes.

These Terms delineate the terms under which the Site is accessible to you. We urge

you to thoroughly review the Terms of Use. By accessing this Site, you are

considered to have consented to these Terms of Use.

Our Site is designed to be accessible and usable by individuals with or without

disabilities. Should you encounter any accessibility or usability issues on this site,

please contact us via phone at 888-570-5677 or via email at

info@yourinsuranceattorney.com.

We reserve the right to update, amend, modify, or revise these Terms of Use at our

discretion and without prior notice. Any alterations will take effect upon their posting on

the Site, along with the date of the most recent revision indicated under the “Last

Updated” heading at the top of these Terms of Use. Your continued use of the Site

following such modifications signifies your acceptance of the updated Terms of Use. It is

your responsibility to routinely review these Terms of Use for any updates. For details

on any modifications, please reach out to us using the contact information provided

above. Should any modification to these Terms of Use be deemed invalid, void, or

unenforceable, it shall be considered separate and shall not affect the validity or

enforceability of the remaining provisions of these Terms of Use.

Consent

In order to ensure the accurate, courteous, and prompt handling of consumer inquiries,

YIA may record phone calls between you and our representatives. You hereby consent

and we reserve the right to periodically contact you via phone calls and/or text

messages using any telephone number associated with your account. The method of

communication, including but not limited to prerecorded or artificial voice messages and

automatic dialing systems, may vary. By providing us with your telephone numbers, you

certify, warrant, and represent that they are accurate and authorized for receiving calls.

You also agree that Your Insurance Attorney, PLLC may communicate with you via

email or other electronic means permitted by law, using the contact information you

provide.

Use

YIA hereby grants you a non-exclusive, non-transferable, revocable, limited right and

license to access and use the Site solely for your personal use in accordance with these

Terms of Use. You shall not, in any way, otherwise copy, reproduce, distribute, transmit,

display, perform, reproduce, publish, license, modify, create derivative works from, sell,

or exploit the Site.

YIA may at any time, for any reason, and without notice or liability: (a) modify, suspend,

or terminate operation of or access to the Site and related services, or (b) change,

revise, or modify the Site and affiliated services.

Ownership and Intellectual Property Rights

The Site and YIA software, systems, technology, and know-how (“YIA Technology”) are

owned by or licensed to YIA and are protected by copyright, trademark, trade dress,

patent, and/or other intellectual property rights and proprietary rights. All trademarks,

trade names, graphics, logos, and trade dress included in or made available through the

Site and Online Services are owned by or licensed to YIA and protected by U.S. and

international trademark laws (collectively, the “Marks”).

Except as expressly set forth herein, nothing herein shall be construed to confer any

grant or license of any YIA intellectual property rights, whether by estoppel, by

implication, or otherwise. You are strictly prohibited from using any YIA intellectual

property except as expressly provided in these Terms of Use. You are also advised that

YIA and its licensors will aggressively enforce its intellectual property rights to the fullest

extent of the law.

Privacy Policy

Please review our Privacy Policy as posted on the Site (the “Privacy Policy”), which is

incorporated herein and also governs your use of the Site, to understand YIA’s privacy

practices: https://yourinsuranceattorney.com/privacy-policy/.

Restrictions on Use

You agree not to: reproduce, distribute, publicly display, or otherwise transfer the Site;

adapt, alter, modify, reverse engineer, disassemble, or decompile the Site; prepare

derivative works based on the Site or any YIA technology; remove, obscure, or modify

any copyright, trademark or other proprietary rights notices, marks or labels contained

on or within the Site; frame, mirror, or in-line link the Site, or incorporate into another

website, application, or other service any YIA intellectual property; use the Site for any

unlawful, fraudulent, or malicious purposes, or to solicit any such activity; attempt to

gain unauthorized access to any accounts, features, systems, or networks through

hacking, password mining, or any other means; interfere with any access control

measures or attempt to disable or circumvent such security features; post, transmit,

submit, or include any unlawful, harmful, threatening, abusive, harassing, defamatory,

vulgar, obscene, sexually explicit, profane, hateful, racially, ethnically, or otherwise

objectionable content, material, or information of any kind, or any content, material, or

information that may give rise to criminal or civil liability; submit or post any false or

misleading information; and/or violate, infringe, or misappropriate the intellectual

property, publicity, privacy, or other proprietary rights of YIA, its licensors, or any other

person or entity.

We reserve the right to prohibit access, use, conduct, communications, or content that

we, in our sole discretion, deem to be harmful to the Site, users, us, our brand, our

business partners and licensors, or any other person or entity, or that violates these

Terms of Use and/or applicable law.

Any unauthorized use automatically terminates the license granted to you hereunder.

No Relationship or Obligation Arises from Use of the Site

The law differs in every jurisdiction, and you should not rely on any opinion except that

of an attorney you have retained, who has a professional duty to advise you after being

fully informed of all the pertinent facts, and who is licensed in the applicable state, and

is familiar with the applicable law. Internet subscribers, mobile application users, and

online readers should seek professional counsel about their legal rights and remedies.

You should not act or refrain from acting on the basis of any information found on the

Site. Any actions or decisions about your legal rights should be based on the particular

facts and circumstances of your situation, and appropriate legal advice from an attorney

retained directly by you. YIA EXPRESSLY DISCLAIMS ALL LIABILITY WITH

RESPECT TO ACTIONS TAKEN OR NOT TAKEN BASED UPON ANY

INFORMATION OR OTHER CONTENTS OF THIS SITE. Viewing the Site, or

communicating with YIA by Internet e-mail or through the Site does not constitute or

create an attorney-client relationship with anyone. The content and features on the Site

do not create, and are not intended to create, an attorney-client relationship, and shall

not be construed as legal advice. The content and features of the Site, including means

to submit a question or information, do not constitute an offer to represent you or

otherwise give rise to an attorney/client relationship.

THE SITE IS PROVIDED “AS IS”. YIA MAKES NO WARRANTIES, EXPRESS OR

IMPLIED, REGARDING THE SITE AND ONLINE SERVICES AND HEREBY

DISCLAIMS ALL WARRANTIES OF ANY KIND OR NATURE, INCLUDING, WITHOUT

LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A

PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WITHOUT

LIMITING THE FOREGOING, YIA DOES NOT GUARANTEE THAT THE ONLINE

SERVICES OR PRODUCTS WILL MEET YOUR REQUIREMENTS, OR WILL BE

ERROR-FREE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL

COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

Accounts

To use some features of the Site, you may be required to create an account. In

connection therewith, you agree to provide and maintain true, accurate, current, and

complete information about yourself. You are responsible for maintaining the

confidentiality of the information you hold for your account login, including your

password, and for all Submissions made from your account. You agree to notify us

immediately of any unauthorized use of your login. YIA may suspend access to your

account if it suspects illegal or improper use, or for other reasons, such as for account

management purposes, at its sole discretion.

Confidentiality is Not Guaranteed

Information sent to Your Insurance Attorney, PLLC via Internet e-mail or through the

Site is not secure and is done on a non-confidential basis. YIA may make reasonable

efforts to keep communications private, but because of the nature of Internet

communications and the absence of an attorney/client relationship, we cannot promise

or guarantee confidentiality.

This Site Does Not Provide Medical Diagnosis or Advice

The content provided on the Site, such as documents, text, graphics, images, videos,

news alerts, pharmaceutical drug recalls, prescription medication history, or information

on litigation concerning the foregoing topics, or other materials, is for informational

purposes only. The information is not intended to be a substitute for professional

medical advice, diagnosis, or treatment. Always consult a physician for diagnosis and

treatment of any medical condition or for any questions you may have regarding a

health concern. Never disregard professional medical advice, alter a prescription plan in

any way, or delay or refrain from seeking medical advice because of something you

have read or seen on the Site. Links to other sites are provided for information only. Use

of trade names is for identification only and does not constitute endorsement by YIA.

Without limiting the generality of the foregoing, the Site may present information about

pharmaceutical drug recalls, which is for information purposes only. Such information is

not necessarily the most current information on the subject and may or may not be

updated based on the last information concerning such recalls. Do not make any

decisions regarding medication or medical providers based on information from the Site

including but not limited to information we provide about drug recalls.

YIA Is Not Responsible for Content; Limitation on Liability

YIA may periodically change, remove, or add the material on the Site without notice.

This material may contain technical or typographical errors. YIA DOES NOT

GUARANTEE ITS ACCURACY, COMPLETENESS OR SUITABILITY. YIA assumes no

liability or responsibility for any errors or omissions in the contents of the Site. Your use

of the Site is at your own risk. Under no circumstances shall YIA or any other party

involved in the creation, production or delivery of the Site be liable to you or any other

person for any indirect, special, incidental, or consequential damages of any kind arising

from your access to, or use of, the Site. TO THE MAXIMUM EXTENT PERMITTED BY

APPLICABLE LAW IN NO EVENT SHALL YIA BE LIABLE FOR ANY SPECIAL,

INDIRECT OR CONSEQUENTIAL DAMAGES RELATING TO THIS MATERIAL, FOR

ANY USE OF THIS WEBSITE, OR FOR ANY OTHER LINKED WEBSITE.

Third-party Web Sites

The Site contains links to third party web sites for the convenience of our users. YIA

does not endorse any of these third party sites and does not imply any association

between YIA and those sites. YIA does not control these third party web sites and

cannot represent that their policies and practices will be consistent with these Terms of

Use. If you use links to access and use such web sites, you do so at your own risk. YIA

is not responsible for the contents or availability of any linked sites. These links are

provided only as a convenience to the recipient. These Terms only apply to the Site and

do not apply to any linked sites. We encourage you to read and understand the terms of

use of any linked sites that you visit. Links do not imply that we sponsor, endorse, are

affiliated with or associated with, or are legally authorized to use any trademark, trade

name, service mark, design, logo, symbol, or other copyrighted materials displayed on

or accessible through any linked site.

State Laws Vary

YIA may refer prospective clients to other law firms located throughout the country, who

form relationships with YIA, and are experienced in handling such cases. YIA may also

undertake legal representation in certain cases, and may take joint representation with

other legal counsel located in applicable jurisdictions throughout the country to provide

legal representation. The laws of each State are different. The Site contains information

about general or common rules that apply in some states. The Site also contains

information about verdicts or settlements in past cases. You cannot assume that the

same rules apply, or that the same result would occur, in your state or any particular

state. The Statute of Limitations is especially important. Every state has laws called the

“statute of limitations” which set a deadline to file a lawsuit. That means that a lawsuit

filed too late may be thrown out, regardless of the defendant’s fault or the severity of the

injuries. Some states have a two-year period for negligence injury claims; the time

period in other states may be longer or shorter. Insurance policies, particularly

homeowners insurance, may require that suit be filed within one year of a loss. Some

states allow claims against government agencies, but require a written notice very soon

after the accident, perhaps within three months. Because investigation and research is

needed to identify all possible defendants and theories of recovery, if you have an

accident or injury, you should consult a lawyer as soon as possible.

YIA Clients

Only individuals who have entered into a mutually signed retainer agreement with Your

Insurance Attorney, PLLC are clients (“YIA Clients”). YIA takes commercially

reasonable measures to secure and protect the information that we collect.

Legal and Ethical Requirements

YIA has tried to comply with all legal and ethical requirements in compiling the Site. We

welcome comments about our compliance with the applicable rules and will update the

Site as warranted, upon learning of any new or different requirements. To the extent that

the professional responsibility rules of any jurisdiction require us to designate a principal

office or an attorney responsible for the Site, Your Insurance Attorney, PLLC

designates its principal office as 2601 South Bayshore Drive 5 th Floor Miami, FL

33133.

Advertising Disclosures

Some materials on the Site may constitute lawyer advertising. The choice of a lawyer is

an important decision, and it should never be based solely upon an advertisement.

Before making your choice of any attorney, you should give this matter careful thought.

The selection of an attorney is an important decision. Cases will be handled by

attorneys licensed in the applicable local jurisdiction. Before you decide, you may ask

us to send you free written information about our qualifications and experience. FREE

BACKGROUND INFORMATION IS AVAILABLE UPON REQUEST. No representation

is made that the lawyers are certified specialists or experts in any field of law. And no

representation is made that the legal services to be performed are greater than the

quality of legal services performed by other lawyers. Anyone considering a lawyer

should independently investigate the lawyer’s credentials and ability, and not rely upon

advertisements or self-proclaimed expertise. No representation is made here about

your specific rights. Every case is different and must be judged on its own merits.

Prior results do not guarantee a similar outcome. Contingent attorney fees are

negotiable and not set by law. Costs and fees are charged only upon monetary

recovery. Not available in all states. Cases may be handled in association with, or

referred to, other law firms as co-counsel or referral counsel. Only the law firm’s non-

lawyer staffed call center is open 24 hours a day / 7 days a week.

Governing Laws in Case of Dispute; Jurisdiction

These Terms of Use shall be governed by and construed in accordance with the laws of

the State of Florida, USA, without regard to any choice of law principles. Any and all

disputes arising hereunder shall be governed as set forth in the Arbitration section

below.

Submissions

You are solely responsible for any information, content, or material you transmit to or

through the Site (“Submissions”). You understand that Submissions are considered

non-confidential and non-proprietary. Furthermore, you grant YIA an unrestricted,

irrevocable, perpetual, transferable, sublicensable, worldwide, royalty-free license to

use, copy, reproduce, display, publish, publicly perform, transmit, and distribute any

Submission, without compensation or accounting to you or anyone else. You represent

and warrant that: (a) you have the right to submit the Submission to YIA and grant the

licenses as described above; (b) YIA will not need to obtain licenses from any third party

or pay royalties to any third party for its use of the Submission; (c) the Submission does

not infringe any third party’s rights, including intellectual property rights and privacy

rights; and (d) the Submission complies with these Terms of Use and all applicable laws

and regulations.

YIA takes no responsibility and assumes no liability for any Submission.

Arbitration

Any and all claims by you arising out of or related to the Site or your use thereof may be

resolved only through a binding arbitration proceeding to be conducted under the

auspices of the Commercial Arbitration Rules of the American Arbitration

Association in Miami, Florida. Both your agreement to arbitrate all controversies,

disputes and claims, and the results and awards rendered through the arbitration, will

be final and binding on you and may be specifically enforced by legal proceedings.

Arbitration will be the sole means of resolving such controversies, disputes and claims,

and you waive your rights to resolve such controversies, disputes and claims by court

proceedings or any other means. You agree that judgment may be entered on the

award in any court of competent jurisdiction and, therefore, any award rendered shall be

binding. The arbitrator may not consolidate more than one person’s claims, and

may not otherwise preside over any form of a representative or class proceeding.

You understand that by agreeing to arbitration as a mechanism to resolve all

controversies, disputes and claims between us, you are waiving certain rights, including

the right to bring an action in court, the right to a jury trial, the right to broad discovery,

and the right to an appeal. You understand that in the context of arbitration, a case is

decided by an arbitrator (one or more), not by a judge or a jury.

International Use

The Site is controlled, operated, and administered by YIA from offices within the United

States of America and is only intended for use therein. We make no representation

regarding use of the Site outside of the United States.

Other Terms

If, for any reason, the Terms of Use, our Privacy Policy, or any portion thereof are held

to be unenforceable, such agreement and remaining provisions shall be enforced to the

maximum extent permissible so as to give the intended effect thereof, and the

remainder of these Terms of Use and the Privacy Policy shall continue in full force and

effect. YIA’s failure to act with respect to a breach by you or others does not waive our

right to act with respect to that breach or subsequent or similar breaches. No consent or

waiver by YIA hereof will be deemed effective unless in writing. These Terms of Use,

together with our Privacy Policy, as each is currently posted, constitute the entire

agreement between YIA and you with respect to your use of the Site and supersede all

previous written or oral agreements relating to the subject matter hereof, except that this

agreement shall not supersede, restrict, or replace any agreements governing the

attorney-client relationship between YIA and YIA Clients.

YIA may, in its sole discretion and without prior notice, block and/or terminate your

access to the Site if we determine that you have violated these Terms of Use or other

terms or agreements that may be associated therewith or if you use the Site in a way

that we deem, in our sole discretion, to be an unacceptable use.