Has My Contractor Been Verified?

Ensuring your contractor is verified is an important step in protecting your home improvement investment.

Has My Contractor Been Verified?

Ensuring your contractor is verified is an important step in protecting your home improvement investment.

What Makes a Great Contractor?

Our top-rated contractors bring strong communication skills, attention to detail, a commitment to customer satisfaction, the ability to work within a budget, access to quality materials and resources, and a strong track record of using best practices to successfully complete projects.

A contractor with these attributes will bring professionalism, reliability, and quality workmanship to any home improvement project

How we score contractors*

Proprietary multi-point reference check
Demonstrates Expertise
Verified access to multiple finance options
Use of technology and other best practices

*Contractor scorecards provided by MyContractor411 are intended to serve as a reference based on publicly available information and user submissions. These scorecards are not a guarantee of the final performance of a contractor and should not be relied upon as the sole determining factor in selecting a contractor for your home improvement project MyContractor411 makes no guarantees, representations or warranties of any kind, express or implied, arising by law or otherwise relating to any specific contractor scorecard, the content published on this sire or its use, including but not limited to: errors or omissions, quality, accuracy, completeness, reliability or fitness for a particular purpose. Always perform your due diligence and thoroughly research and verify the qualifications, licensing, and insurance of any contractor before entering into a contract.

Website Terms and Conditions

Welcome to MyContractor411 ™!

MyContractor411™ (“MyContractor411™ ”, “we”, “us”, “our”) provides our Services (described below) to you through our website located at www.MyContractor411.org (the “Site”) and through our online content, tools and services, whether accessed on the Site or through third-party websites, mobile sites and/or applications (collectively, such services, including any new features and applications, and the Site, the “Services”), subject to the following Terms of Service (as amended from time to time, these “Terms of Service”). We reserve the right, in our sole discretion, to change or modify portions of these Terms of Service at any time without further notice. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions to which you are bound. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms of Service were last revised. We may also notify you of any material changes through a pop-up notice, email or other reasonable means. Your continued use of the Services after any such changes constitutes your acceptance of the new Terms of Service. If you do not agree to abide by these or any future Terms of Service, do not use or access (or continue to use or access) the Services. In addition, when using certain services, you will be subject to any additional terms applicable to such services that may be posted on or in connection with the Services from time to time, including, without limitation, the Privacy Policy located at https://MyContractor411.org. All such terms are hereby incorporated by reference into these Terms of Service. If there is any conflict between such additional terms and these Terms of Service, the additional terms will supplement or amend these Terms of Service, but only with respect to the matters governed by the additional terms.

ACCESS AND USE OF THE SERVICES

Services Description:

MyContractor411™ is a browser-based, technology platform provider of professional contractor information, reviews and proprietary scoring for use and consumption by homeowners seeking such information with respect to professional home improvement contractors with whom a homeowner may be considering hiring in conjunction with a home improvement project. The Services include facilitating access by a homeowner/consumer to third-party services that searches for and matches prospective borrowers to professional contractors with whom the homeowner is seeking for purposes of obtaining additional information. If we provide access to request loan offers from unrelated, third-party lenders, the Services may include a link to a third-party user interface permitting a homeowner to request, view and compare offers received from third-party lenders, and a payment request verification service allowing homeowners to affirmatively authorize payment requests made by a contractor. With respect to access to third-party lenders and comparison of offers, the Services are intended only to assist you in your financial organization and decision making and is broad in scope. Our Services are intended to allow you to obtain general information, including but not limited to, the ability to find third-party financial providers for certain financial request services and products. The Services are designed to provide consumers information about various professional home improvement contractors and, if access to financial offers is available, information about various lenders, issuers, financial institutions, nonbank financial institutions, and/or financial services providers and the marketplace lending market (collectively “financial providers”) through the Services’ content and tools. This includes, but is not limited to, information, content and tools related to products and/or services such as personal loans. MyContractor411™ provides such information, content and tools as part of the Services but is not a lending institution, loan broker or other financially related service provider itself and does not charge a fee for its services. Any product or service offered or related transaction to which you are a party is solely transacted between you and the applicable service provider and is not a part of the Services. We do not accept loan applications or issue loans or any other financial products nor do we act as an agent or advisor to you or any financial provider. Third-party financial request providers are solely responsible for any services they may provide to you.

All rates, fees, and terms are presented without guarantee and are subject to change pursuant to each provider's discretion and may not be available in all states or for all types of loans. There is no guarantee you will be approved or qualify for the advertised rates, fees, or terms presented. We do not guarantee acceptance into any particular program or specific terms or conditions with any financial provider; approval standards are established and maintained solely by financial providers. We do not guarantee that the rates offered include the lowest rates available in the market or the rate that will ultimately be charged. This website does not include all lending companies or all available lending offers that may be available to you.

MyContractor411™ also provides financial partners with information about prospective consumers, as described in our Privacy Policy.

Your personal financial situation is unique, and it is your responsibility to evaluate the information and content provided and before making any financial decisions. You should consider obtaining additional information and/or advice from a qualified financial advisor who is fully aware of your individual circumstances.

Your Registration Obligations

You may be required to register with MyContractor411™ in order to access and use certain features of the Services. If you choose to register for the Services, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Services registration form or one of our tools or forms that appears on a third-party website, mobile site or application. Registration data, information that you enter into our tools or forms and certain other information about you are governed by our Privacy Policy at https://MyContractor411.org. If you are under 18 years of age, you are not authorized to use the Services, with or without registering. MyContractor411™ will not be liable for any loss or damage arising from your failure to comply with this section.

Modifications to Services:

MyContractor411™ reserves the right to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. You agree that MyContractor411™ will not be liable to you or to any third party for any modification, suspension or discontinuance of the Services.

General Practices Regarding Use and Storage:

You acknowledge that MyContractor411™ may establish general practices and limits concerning use of the Services, including without limitation the maximum period of time that data or other content will be retained by the Services and the maximum storage space that will be allotted on MyContractor411’s servers on your behalf. You agree that MyContractor411™ has no responsibility or liability for the deletion of or failure to store any data or other content maintained by or uploaded to the Services. In addition, as described herein, we will share information you submit to us with financial providers in order to provide our Services. By submitting an inquiry, signing up for an account, or otherwise inputting information on or through our Site, you give us permission to retain all such provided information, and any other information we collect or may receive about you. You further acknowledge that MyContractor411™ reserves the right to change these general practices and limits at any time, in our sole discretion, with or without notice.

Mobile Services:

The Services include certain services that may be available via a mobile device, including (i) the ability to submit information or upload content to the Services via a mobile device and (ii) the ability to browse the Services and the Site from a mobile device (collectively, the “Mobile Services”). To the extent you access the Services through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. By using the Mobile Services and/or providing your mobile telephone number to us through the Services, you agree that we may communicate with you regarding MyContractor411™ and our financial providers, if any, by SMS, MMS, or other electronic means to your mobile device and that certain information about your usage of the Mobile Services may be communicated to us. In the event you change or deactivate your mobile telephone number, you agree to promptly update information that you have submitted to us to ensure that your messages are not sent to the person that acquires your old number.

Electronic Notices and Communication:

By using the Services, you agree that we may communicate with you electronically via email regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or sending an email to you. You may have a legal right to receive this notice in writing. To receive a free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please email your request to info@mycontractor411.org.

CONDITIONS OF USE

User Conduct:

You are solely responsible for all information, data, text, software, messages or other materials (“content”) that you submit or upload to the Services or otherwise use via the Services. The following are examples of the kind of content and/or use that is illegal or prohibited by MyContractor411™. MyContractor411™ reserves the right to investigate and take appropriate legal action against anyone who, in MyContractor411's sole discretion, violates this provision, including without limitation, removing the offending content from the Services, blocking such violator’s access to the Services and reporting the violator to law enforcement authorities. You agree to not use the Services to:

a) email or otherwise submit or upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to submit or upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically or otherwise objectionable; or (vii) in the sole judgment of MyContractor411™, is objectionable or which restricts or inhibits any other person from using or enjoying the Services, or which may expose MyContractor411™ or our users to any harm or liability of any type;

b) interfere with or disrupt the Services or servers or networks connected to the Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Services; or

c) violate any applicable local, state, national or international law, or any regulations having the force of law;

d) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

e) solicit personal information;

f) harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;

g) further or promote any criminal activity or enterprise; or

h) obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Services.

Special Notice for International Use; Export Controls: Software (defined in the section on “Intellectual Property Rights” below) available in connection with the Services and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Services or otherwise exported or re-exported in violation of U.S. export laws. Your use of the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Services, including as it concerns online conduct and acceptable content.

Commercial Use Not Permitted:

Unless otherwise expressly authorized herein or in the Services, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Services, use of the Services, or access to the Services.

Protected Areas:

Certain areas of the Site and Services may be password restricted to registered users (“Password Areas”). If you are a registered user of the Password Areas, you agree that you are entirely responsible for maintaining the confidentially of your password. You agree that you are entirely responsible for any and all activities which occur under your account, whether or not you are the individual who undertakes such activities. You agree that you are above 18 years of age. You agree to immediately notify MyContractor411™ of any unauthorized use of your account or any other breach of security in relation to the Site or Services known to you. If you choose to register for the Services, you agree to provide and maintain true, accurate, current, and complete information about yourself as prompted by the Services’ registration form or one of our tools or forms that appears on a third-party website, mobile site, or application. Registration data, information that you enter into our tools or forms, and certain other information about you are governed by our Privacy Policy.

Feedback:

We may also provide you opportunities to review our Services with comments, suggestions, survey answers, questions, through third-party review websites and other feedback regarding our Services. These communications may be provided to you via email, social media, surveys, or similar means. By submitting and providing your Feedback you consent to its use in any manner and for any purpose to optimize, improve, promote or market our Services in accordance with our Privacy Policy. Any dealings you have with third parties are between you and the third party and their privacy policy and terms.

If you are given an opportunity to submit free-form responses, you agree to provide relevant and responsible responses; refrain from including any sensitive information of any kind (e.g., loan or bank account information). You further agree that any information or materials that you, or individuals acting on your behalf, provide will not be considered confidential or proprietary and that MyContractor411™ or its affiliates cannot and will not be held responsible to protect such data if you were to include it in your responses.

INTELLECTUAL PROPERTY RIGHTS

Service Content, Software and Trademarks:

You acknowledge and agree that the Services may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. Except as expressly authorized by MyContractor411™, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Services or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally submit or upload to the Services. You may not remove or alter any proprietary notices or marks on the Services or any portion thereof. In connection with your use of the Services you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. Any use of the Services or the Service Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Services or distributed in connection therewith is the property of MyContractor411™, our affiliates and our financial providers (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by MyContractor411™.

The MyContractor411™ name and logos are trademarks and service marks of Lender Hub, LLC (collectively the "MyContractor411™ Trademarks”). Other company, product, and service names and logos used and displayed via the Services may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to MyContractor411™. Nothing in these Terms of Service or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of MyContractor411™ Trademarks displayed on the Services, without our prior written permission in each instance. All goodwill generated from the use of the MyContractor411™ Trademarks will inure to our exclusive benefit.

Third-Party Material:

Under no circumstances will MyContractor411™ or its affiliates be liable in any way for any content or materials of any third parties (including users), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that MyContractor411™ does not pre-screen content from third parties, but that MyContractor411™ and our designees will have the right (but not the obligation) in our sole discretion to refuse or remove any content that is available via the Services. Without limiting the foregoing, MyContractor411™ and our designees will have the right to remove any content that violates these Terms of Service or is deemed by MyContractor411™, in our sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

User Content Transmitted Through the Service:

With respect to the content or other materials you submit or upload to the Services (collectively, “User Content”), you represent and warrant that you own all right, title and interest in and to such User Content, including, without limitation, all copyright and rights of publicity contained therein. By uploading any User Content, you hereby grant and will grant MyContractor411™ and our affiliated companies a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, perform, distribute, store, modify and otherwise use your User Content in connection with the operation of the Services, in any form, medium or technology now known or later developed.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Services (“Submissions”) provided by you to MyContractor411™ are non-confidential and MyContractor411™ will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

You acknowledge and agree that MyContractor411™ may preserve content and may also disclose content 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 process, applicable laws or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property or personal safety of MyContractor411™, our users and the public. You understand that the technical processing and transmission of the Services, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

Third Party Werbsites:

The Services may provide, or third parties may provide, links or other access to other sites and resources on the Internet. MyContractor411™ has no control over and is not responsible for such sites and resources, and links to such sites and resources do not indicate MyContractor411's endorsement of or affiliation with such sites and resources. You further acknowledge and agree that MyContractor411™ will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any content, events, goods or services available on or through any such site or resource. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that MyContractor411™ is not liable for any loss or claim that you may have against any such third party.

Indemnity and Release:

You agree to release, indemnify and hold MyContractor411™ and our affiliates and our and their officers, employees, directors and agents harmless from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Services, any User Content, your connection to the Services, your violation of these Terms of Service or your violation of any rights of another. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

CONSENT FOR ELECTRONIC SIGNATURES, RECORDS, AND DISCLOSURES (“E-Consent”)

Please read this information carefully and print a copy and/or retain this information for future reference.

Introduction

You may request Services hereunder. If such services include access to financial offers, they you may submit a request to be matched with a financial provider. In order to provide the Services and, if available, in order for a financial provider to offer you a product, the financial provider needs your consent to use and accept electronic signatures, records and disclosures (“E-Consent”). This form notifies you of your rights when receiving electronic disclosures, notices and information. By clicking on the link assenting to our terms, you acknowledge that you received this E- Consent and that you consent to conduct transactions using electronic signatures, electronic disclosures, electronic records and electronic contract documents (“Disclosures”).

Option for Paper or Non-Electronic Records

You may request any Disclosures in paper copy by contacting MyContractor411™ and/or the financial provider directly. MyContractor411™ and/or the financial providers will provide paper copies at no charge. MyContractor411™ and/or financial providers will retain all Disclosures as applicable law requires. To obtain a paper copy form, please make your request via email at info@mycontractor411.org. In order to obtain a paper copy from a service provider, please contact that third party directly.

Scope of Consent

This E-Consent applies to all interactions online concerning you, MyContractor411™, and the service provider and includes those interactions engaged in on any mobile device, including phones, smart-phones, and tablets. By exercising this E-Consent, MyContractor411™ and/or the service provider may process your information and interact during all online interactions with you electronically. MyContractor411™ and/or the service provider may also send you notices electronically related to its interactions and transactions. Disclosures may be provided online at our or the financial providers’ websites, and may be provided by email.

Consenting to Do Business Electronically

Before you decide to do business electronically with MyContractor411™ and/or the financial providers, you should consider whether you have the required hardware and software capabilities described below.

Hardware and Software Requirements

To access and retain the Disclosures electronically, you will need to use the following computer software and hardware: A PC or Mac compatible computer or other device capable of accessing the Internet, access to an email account, and an Internet browser software program that supports at least 128-bit encryption, such as Microsoft® Internet Explorer, Netscape® or Mozilla Firefox®. To read some documents, you may need a PDF file reader like Adobe® Acrobat Reader X® or Foxit®. You will need a printer or a long- term storage device, such as your computer’s disk drive, to retain a copy of the Disclosures for future reference. You may send any questions regarding the hardware and software requirements by emailing us directly at info@mycontractor411.org or by contacting the financial providers directly.

Withdrawing Consent

Your E-Consent for our matching service, if available, and for our financial providers’ consideration of your matching request cannot be withdrawn because it is a one-time transaction. If you are matched with one or more service providers, you are free to withdraw your E-Consent with MyContractor411™ and/or service providers at any time and at no charge. However, if you withdraw this E-Consent before receiving credit from a service provider, you may be prevented from obtaining credit from the service provider. If you wish to withdraw this E-Consent, please contact the service provider directly or notify us via email at info@mycontractor411.org. In order to obtain a paper copy from a service provider, please contact that third party directly. If you decide to withdraw this E-Consent, the legal effectiveness, validity and enforceability of prior electronic Disclosures will not be affected.

Change to Your Contact Information

You should keep MyContractor411™ and/or the financial providers, if any, informed of any change in your electronic address or mailing address. You may update such information by logging into the financial provider’s website or by sending MyContractor411™ and/or the service provider a written update by mail.

YOUR ABILITY TO ACCESS DISCLOSURES. BY CLICKING THE LINK, YOU ASSENT TO OUR TERMS. YOU ACKNOWLEDGE THAT YOU CAN ACCESS THE DISCLOSURES IN THE DESIGNATED FORMATS DESCRIBED ABOVE.

CONSENT. BY CLICKING THE LINK, YOU ASSENT TO THE TERMS. YOU ACKNOWLEDGE YOU HAVE READ THIS INFORMATION ABOUT ELECTRONIC SIGNATURES, RECORDS, DISCLOSURES AND DOING BUSINESS ELECTRONICALLY. YOU CONSENT TO USING ELECTRONIC SIGNATURES, HAVING ALL DISCLOSURES PROVIDED OR MADE AVAILABLE TO YOU IN ELECTRONIC FORM AND TO DOING BUSINESS WITH THE SERVICE PROVIDER ELECTRONICALLY. YOU ACKNOWLEDGE THAT YOU MAY REQUEST A PAPER COPY OF THE ELECTRONIC RECORDS AND DISCLOSURES, WHICH WILL BE PROVIDED TO YOU AT NO CHARGE. IF YOU REFRAIN FROM PROCEEDING THEN YOU NEITHER WISH TO USE ELECTRONIC SIGNATURES NOR CONDUCT THIS TRANSACTION ELECTRONICALLY. YOU ALSO ACKNOWLEDGE THAT YOUR CONSENT TO ELECTRONIC DISCLOSURES IS REQUIRED TO RECEIVE SERVICES FROM THIRD PARTY FINANCIAL PROVIDERS OVER THE INTERNET.

Contact by Telephone:

You are providing express written consent to be contacted by MyContractor411™ and its financial providers, if any, at the telephone number(s) you have provided to explore financial products, including contact through automatic dialing systems, artificial or prerecorded voice messaging, or text message (including SMS and MMS – charges may apply).

When you receive SMS and MMS notifications, you are also providing express written consent to be contacted to receive recurring messages at the phone number(s) provided about the services you inquired about. Message and data rates may apply. Message frequency will vary. MyContractor411™ and mobile carriers are not liable for delayed or undelivered messages. SMS/MMS services is supported on all U.S. carriers. Please note, however, that the supporting mobile carriers may change without notice and may be limited to specific carriers.

You can cancel this service at any time. Just text “STOP” to the number from which you received communication. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, just sign up as you did the first time and we will start sending messages to you again. For help with the service please send the message “HELP” to the number from which you received communication. After you send the message “HELP” to us, we will respond with instructions on how to receive further help with the service.

You may be contacted at the telephone number(s) you have provided even if your telephone number is currently listed on any internal, corporate, state, federal or national Do-Not-Call (DNC) list. This consent is not required as a condition to purchase services.

Disclaimer of Warranties:

YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. MYCONTRACTOR411™ EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

MYCONTRACTOR411™ MAKES NO WARRANTY THAT (i) THE SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS.

Limitation of Liability:

YOU EXPRESSLY UNDERSTAND AND AGREE THAT MYCONTRACTOR411™ WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES OR DAMAGES FOR LOSS OF PROFITS, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF MYCONTRACTOR411™ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICES. IN NO EVENT WILL MYCONTRACTOR411's TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICES OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICES.

Dispute Resolution:

Any controversy or claim arising out of or relating to these Terms of Service or the breach thereof shall be settled by arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules (including the Optional Rules for Emergency Measures of Protection), and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitration proceedings shall be conducted before one (1) neutral arbitrator selected by the American Arbitration Association. The place of arbitration shall be Collin County, Texas. Either party may apply to the arbitrator seeking injunctive relief until the arbitration award is rendered or the controversy is otherwise resolved. Either party may, without waiving any remedy under these Terms of Service, seek from any court having jurisdiction any interim or provisional relief that is necessary to protect the rights or property of that party, pending the establishment of the arbitral tribunal (or pending the arbitral tribunal’s determination of the merits of the controversy).

Termination:

You agree that MyContractor411™, in our sole discretion, may suspend or terminate your use of the Services and remove and discard any content within the Services for any reason, including, without limitation, for lack of use or if MyContractor411™ believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive or illegal activity that may be grounds for termination of your use of the Services may be referred to appropriate law enforcement authorities. MyContractor411™ may also in our sole discretion and at any time discontinue providing the Services or any part thereof, with or without notice. You agree that any termination of your access to the Services under any provision of these Terms of Service may be affected without prior notice, and acknowledge and agree that MyContractor411™ may immediately delete any information you have submitted or uploaded to the Services and/or bar any further access to such information or the Services. Further, you agree that MyContractor411™ will not be liable to you or any third party for any termination of your access to the Services, and that MyContractor411™ may take any measures we deem necessary to restrict access to the Services, including blocking IP addresses.

User Disputes.

You agree that you are solely responsible for your interactions with financial providers or any services about which you obtain information through the Services, and MyContractor411™ will have no liability or responsibility with respect thereto. MyContractor411™ reserves the right, but has no obligation, to become involved in any way with disputes between you and any such financial providers or services.

General:

These Terms of Service constitute the entire agreement between you and MyContractor411™ and govern your use of the Services, superseding any prior agreements between you and MyContractor411™ with respect to the Services. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party content or third-party software. These Terms of Service will be governed by the laws of the State of Texas without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration as set forth above, you and MyContractor411™ agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Collin County, Texas. The failure of MyContractor411™ to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of this agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms of Service without the prior written consent of MyContractor411™, but MyContractor411™ may assign or transfer these Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. Notices to you may be made via either email or regular mail. The Services may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Services.

Your Privacy:

At MyContractor411™, we respect the privacy of our users. For details, please see our Privacy Policy located at https://MyContractor411.org. By using the Services, you consent to our collection and use of your personal data as outlined therein.

Questions? Concerns? Suggestions?

Please contact us via email at info@mycontractor411.org if you have any question, concerns or suggestions. The aforementioned email may be used to report any violations of these Terms of Service or to pose any questions regarding these Terms of Service or the Services.

ProFund™ Privacy Policy

Date of Last Revision: March 1, 2023

OUR POLICY

Welcome to MyContractor411™ (“MC411”, “we”, “us”, “our”). This Privacy Policy is implemented to describe how we collect, use, and share your information in connection with our websites and platforms (the “Site”) and any other online content, tools, or services that we control and that link to this Privacy Policy. This Site is operated by MyContractor411™ and has been created to provide information to our visitors (“you,” “your”) about our company and our online content, tools and services, whether such content, tools and services are accessed on the Site or through third-party websites, mobile sites and/or applications (together with the Site, the “Services”). This Privacy Policy describes how MyContractor411™ collects, uses and discloses information from visitors to the Services, including personally identifiable data (“Personal Data”).

WHY THIS MATTERS

We want to build an indispensable platform to aid people in making smart comparisons and connecting them to companies for their home improvement needs. Knowing certain things will help us do that better.

Please be sure to read this entire Privacy Policy before using or submitting information through the Services. By using or submitting information through the Services, you are indicating that you agree to the collection, transfer, manipulation, processing, storage, disclosure and other uses of your personal data as described in this Privacy Policy and to be bound by the terms of this Privacy Policy. This Privacy Policy is incorporated into MyContractor411™’s Terms of Service at https://MyContractor411.org and any other agreement entered into by and between you and MyContractor411™.

PERSONAL DATA THAT YOU PROVIDE THROUGH THE SERVICES

We collect Personal Data from you when you voluntarily provide such information, including but not limited to when you access, complete and/or use one of our online forms, tools or content items, contact us with inquiries, respond to one of our surveys, register for access to the Services or use certain Services. If you complete one of our online forms, you may be asked to provide Personal Data in order to provide the Services as described:

Category	Examples
Demographic Data	Contact data such as your name, address (including zip code), email, zip code and phone number.
Personal Records	If we have a finance offering, this could include your estimated credit score, payment history, employment status, ownership or rental history, income, education level and degrees, date of birth, social security number and other information.
Account Registration	If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users.
Feedback and Support	If you provide us feedback or contact us for support, we may collect your name and e-mail address, as well as any other content that you send to us. We collect and use this data based upon our business need to receive and act upon your feedback or issues.
Surveys	If you voluntarily submit certain information to our services, such as filing out a survey about your user experience, we may collect the information you have provided. We may collect this information to understand your opinions, better market our services and to collect relevant information about our business.
Other Information	Information we may collect which is not specifically listed here is described in this Privacy Policy or is otherwise disclosed at time of collection.

For clarity, MyContractor411™ collects Personal Data from you to, in part, provide you with personalized content and, if available through MyContractor411, information related to requests for loan offers made by you and transferred to third-party financial service providers on your behalf and upon your request, and other financial services or related products, but MyContractor411™ is not a lender, credit card issuer, bank or other similarly situated financial institution. Any loan or related product to which you may become a party is solely transacted between you and the applicable provider and is not a part of the Services.

By voluntarily providing us with Personal Data, you are consenting to our use of your Personal Data in accordance with this Privacy Policy. You represent that the Personal Data you provide is true, accurate, current and complete, and that you have the authorization to provide it to us. If you provide Personal Data to the Services, you acknowledge and agree that such Personal Data may be transferred from your current location to the offices and servers of MyContractor411™ and the authorized third parties referred to herein.

INFORMATION AUTOMATICALLY COLLECTED

Whenever you interact with the Services, MyContractor411™ may automatically receive and record information from your computer, browser and/or mobile device, which may include the following:

IP Addresses: The requests you make to MyContractor411™ may contain your IP address (the Internet address of your computer). We may use visitors’ IP addresses for various purposes, including to display customized content and analyze and report upon usage of the Services; to diagnose and prevent service or technology problems affecting the Services; and to monitor and prevent fraud and abuse.

Device IDs: We may collect information on the type of device you are using, operating system, settings, browser and OS information, unique device identifiers, network information and other device-specific information. The information collected may depend on the type of device you use and its settings.

Location Data: We may collect location data based on your IP address and the geolocation of your device. We collect this data to better tailor our services to you and to help provide service offerings available to you in your geographic area.

Usage Information: We collect information about how you use our Services, such as the types and categories of content that you view or engage with, the features you use, the actions you take, the and the time, frequency and duration of your activities on the Site.

COOKIES, WEB BEACONS AND SIMILAR TECHNOLOGIES

In operating the Services, we may use cookies, web beacons and similar technologies. This Privacy Policy covers the use of cookies, web beacons and similar technologies by MyContractor411™ only. MyContractor411™ does not sell or share your cookies other than as described in this Privacy Policy. Uses of these technologies by third-party advertisers or websites linked from the Services, including third parties with which we partner, are governed by each such advertiser or website’s privacy policy.

Cookies & Analytics

A cookie is a piece of information that the computer that hosts our Services gives to your browser when you access the Services. Cookies help provide additional functionality to the Services, customize users’ experiences with the Services and help us analyze Services usage more accurately for research, advertising and marketing purposes. On most web browsers, you will find a “help” section on the toolbar. Please refer to this section for information on how to receive notification when you are receiving a new cookie and how to turn cookies off. We recommend that you leave cookies turned on because they allow you to take advantage of some of the Services’ features.

Please note that we use Google Analytics cookies for data analytics purposes, and you can find more information on how Google uses data from these cookies at https://google.com/policies/privacy/partners. You may choose to opt-out of Google Analytics by installing their opt-out browser add-on https://tools.google.com/dlpage/gaoptout/.

Web beacons

In addition to cookies, we may use web beacons (also known as “clear GIFs”) to measure traffic to or from or use of our online forms, tools or content items and related browsing behavior and to improve your experience when using the Services. We may also use customized links or other similar technologies to track hyperlinks that you click and associate that information with your Personal Data in order to provide you with more focused communications. Web beacons may be placed on the Service by third parties such as an analytics provider in order to support functionality described in this Privacy Policy. The information collected by these third parties in this manner is subject to that third party’s own privacy policies.

Aggregated Personal Data:

In an ongoing effort to better understand and serve the users of the Services, MyContractor411™ may conduct research on consumer demographics, interests and behavior based on the Personal Data and other information provided to us. This research may be compiled and analyzed on an aggregate basis, and MyContractor411™ may share this aggregate data with our affiliates, agents, service providers and other third parties with whom we do business. This includes, but is not limited to, information such as consumer financial trends, choices and comparisons. This aggregate information does not identify you personally. MyContractor411™ may also disclose aggregated user statistics in order to describe our services to current and prospective financial service providers, and to other third parties for other lawful purposes.

OUR USE OF YOUR PERSONAL DATA AND OTHER INFORMATION

MyContractor411™ uses the Personal Data you provide in a manner that is consistent with this Privacy Policy. Generally, we may use information we collect in the following ways.

To identify and potentially personalize the Services when you visit our Site
To provide products and services
For fraud and information security
To improve the Services
To conduct analytics such as usage trends
To respond to inquiries related to support or other requests
To send marketing and promotional materials about the Services
To manage our relationships
To build aggregated user profiles and segments

For more clarity, if you provide Personal Data for a certain reason, we may use the Personal Data in connection with the reason for which it was provided. For instance, if you contact us by email or provide feedback in any way such as to ask a question or report an issue with the Services, we will use the Personal Data you provide to answer your question or resolve your problem. Also, if you provide Personal Data in order to learn about certain products that may be available to you through third-party providers, we will use your Personal Data to provide you with information on such products and providers, to provide other personalized services, and/or to monitor your use of the Services.

MyContractor411™ and our affiliates (the “MyContractor411™ Related Companies”) may also use your Personal Data and other personally non- identifiable information collected through the Services to help us improve the content and functionality of the Services, to better understand our users and to improve the Services.

We also use research vendors, such as Hotjar, in order to better understand our users’ needs and to optimize this service and experience. The technology we may use helps us better understand our users’ experience (e.g., how much time they spend on which pages, which links they choose to click, what users do and don’t like, etc.) and this enables us to build and maintain our service with user feedback. These services may use cookies and other technologies to collect data on our users’ behavior and their devices. This includes a device's IP address (processed during your session and stored in a de-identified form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), and the preferred language used to display our website. The vendor may store this information on our behalf in a pseudonymized user profile. Hotjar does not sell any of the data collected on our behalf. For further details, please see the ‘about Hotjar’ section of Hotjar’s support site and do not track.

Partners and Third-Party Sources:

We may also obtain information about you from third-party sources, such as our partners. We may also, at your direction, receive information from third-party services that provide an ability to share information you have provided to the third-party through the use of an application program interface (API), such as Plaid. If we combine or associate information from other sources with your information that we collect through the Services, we will treat the combined information in accordance with this Privacy Policy, the Terms, and applicable law.

Marketing:

MyContractor411™ and third-parties with whom we share your information may use your Personal Data to communicate with you by email, postal mail or by text message to provide you with:

Opportunities, surveys and promotions related to your submitted request available through the services or products of our financial providers, if any, that we think may be of interest to you.
Information or content – such as articles or white papers – that we believe would be of interest to you through email, text messages, or postal mail.

Each marketing-related communication we send you will contain instructions permitting you to “opt-out” of receiving future marketing communications. If MyContractor411™ intends on using any Personal Data in any manner that is not consistent with this Privacy Policy, you will be informed of such anticipated use prior to or at the time at which the Personal Data is collected.

You may choose to unsubscribe from marketing emails or mail by sending us an email at info@mycontractor411.org and include in the body of the email your request to be unsubscribed and the specific email address you wish to have removed. Although we will remove you from our marketing lists you may still receive transactional messages related to the Services.

We may contract with third-party advertising companies and social media companies to display ads on their service. These companies may use cookies and similar technologies to track your activity, the information collected by these third parties in this manner is subject to that third party’s own privacy policies. We may also use aggregated information from these sources for creating similar audiences in order to better target advertisements on their networks to potential consumers who appear to have shared characteristics. You may opt out of "similar audiences" in Google, you can do so through https://adssettings.google.com/authenticated. You can also learn more about how to opt out of their collection in general by going to www.aboutads.info/choices, www.networkadvertising.or and/or www.y ouronlinechoices.com.

OUR DISCLOSURE OF YOUR PERSONAL DATA

MyContractor411™ is not in the business of selling your information to third parties. There are, however, certain circumstances in which we may share your Personal Data with certain third parties without further notice to you, as set forth below:

Certain Business Partners: When we partner with other businesses to provide content or services to you or to such business partners, we may share relevant Personal Data in connection with such content or services. For example, we will share your contact and other information with a lender and/or service provider if you have requested offers from such lender and/or service provider and the information you provide in one of our online forms or tools matches certain criteria for loan products offered by such lender and/or loan originator.

Business Transfers: As we develop our business, we might sell or buy businesses or assets. In the event of a corporate sale, merger, reorganization, dissolution or similar event, Personal Data may be part of the transferred assets. Your Personal Data could also be shared with professional advisors and counterparties during such events.

Business Analytics: When we partner with certain businesses in order to learn and improve user interface, content, site performance, and our offerings. For example, Information may be shared in order to improve your experience on partner sites as well as on our site.

Related Companies: We may also share your Personal Data with the MyContractor411™ Related Companies for purposes consistent with this Privacy Policy.

Agents, Consultants and Related Third Parties: MyContractor411™, like many businesses, sometimes hires other companies to perform certain business-related functions. Examples of such functions include mailing information, maintaining databases and providing marketing assistance. When we employ another entity to perform a function of this nature, we only provide them with the information that they need to perform their specific function.

Legal Requirements: MyContractor411™ may disclose your Personal Data if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, including responding to a subpoena, warrant, or other legal process, (ii) protect and defend the rights or property of MyContractor411™, (iii) act in urgent circumstances to protect the personal safety of users of the Services or the public, or (iv) protect against legal liability.

OTHER IMPORTANT INFORMATION

Your Choices

In general, you can visit the Services without providing Personal Data. If you choose not to provide any Personal Data, however, you may not be able to use certain features of the Services.

Registration/Account Information:

If we have registration and/or a log-on experience, this would include the information we collect when you create an account such as name, email and/or other information to provide account related functionalities to our users. If you choose to register and/or provide information, you agree to provide and maintain true, accurate, current and complete information about yourself.

Please note that if you allow others to use your account (including others you permit to set up profiles under your account), they may be able to view information about your account or any of the profiles under your account.

If you no longer what to use our Services and if we have registration and/or a log-on experience, you can deactivate your account by contacting us emailing us at info@mycontractor411.org and include in the body of the email your request to cancel your account. Due to regulatory and information retention requirements, we do not delete your information when you deactivate your account. We will disable your account and cease sending any communications.

Access To Information:

We rely on you to ensure your information is accurate and up-to-date. To keep your Personal Data accurate, current and complete, please contact us as specified at the below address or by emailing us at info@mycontractor411.org. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Exclusions

This Privacy Policy does not apply to any Personal Data collected by MyContractor411™ other than Personal Data collected through the Services. This Privacy Policy shall not apply to any unsolicited information you provide to MyContractor411™ through the Services or through any other means. This includes, but is not limited to, information posted to any public areas of the Services, such as forums, any ideas for new products or modifications to existing products, and other unsolicited submissions (collectively, “Unsolicited Information”). All Unsolicited Information shall be deemed to be non-confidential and MyContractor411™ shall be free to reproduce, use, disclose, and distribute such Unsolicited Information to others without limitation or attribution.

Children's Privacy Online

MyContractor411™ does not knowingly collect Personal Data from children under the age of 13. If you are under the age of 13, please do not submit any Personal Data through the Services. We encourage parents and legal guardians to monitor their children’s Internet usage and to help enforce our Privacy Policy by instructing their children never to provide Personal Data on the Services without their permission. If you have reason to believe that a child under the age of 13 has provided Personal Data to MyContractor411™ through the Services, please contact us, and we will endeavor to delete that information from our databases.

Links To Other Websites:

This Privacy Policy applies only to the Services. The Services may contain links to other websites not operated or controlled by MyContractor411™ (the “Third-Party Sites”). The policies and procedures we described here do not apply to the Third-Party Sites. The links from the Services do not imply that MyContractor411™ endorses or has reviewed the Third-Party Sites. We suggest contacting those sites directly for information on their privacy policies.

Social Media

Through the Site, you can choose to access certain social media websites and services that are owned and/or controlled by third parties (including, without limitation, Facebook, Twitter, Instagram, and others) (such websites and services, collectively, the “Social Media Services”). When you elect to access and use the Social Media Services, you will be sharing your information (which will include personal information if you elect to share such information) with those Social Media Services. As with other Third-Party Sites, the information that you share with the Social Media Services will be governed by the privacy policies and terms of service of the providers of such Social Media Services and not by the policies and procedures we describe here. You may also be able to modify your privacy settings with these Social Media Services to, for example, control what information the Social Media Services disclose to other entities, including MyContractor411™. However, please remember that the manner in which Social Media Services use, store and disclose your information is governed by the policies of the applicable Social Media Services provider.

Security:

MyContractor411™ takes reasonable steps to protect the Personal Data provided via the Services from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. However, no Internet or email transmission is ever fully secure or error free. In particular, email sent to or from the Services may not be secure. Therefore, you should take special care in deciding what information you send to us via email. Please keep this in mind when disclosing any Personal Data to MyContractor411™ via the Internet.

By using the Services or providing Personal Data to us, you agree that we may communicate with you electronically regarding security, privacy and administrative issues relating to your use of the Services. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Services or by sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us by email at info@mycontractor411.org and include in the body of the email your specific request. If you are, or believe you have become, a victim of identity theft, you may visit the website of the Federal Trade Commission at https://www.identitytheft.gov for free information to help guard against identity theft and guidance on the recovery steps you can take.

International Users:

The Service is hosted and intended solely for consumers in the United States. All Personal Data is stored on servers in the United States and is subject to United States law. By choosing to use the Services or otherwise provide information to us, you agree that any dispute over privacy or the terms contained in this Privacy Policy will be governed by the law of the state of Texas and the adjudication of any disputes arising in connection with the Services will be in accordance with the Terms of Service at https://MyContractor411.org. If you are visiting the Services from the European Union or other regions with laws governing data collection and use, please note that you are agreeing to the transfer of your information to the United States and the global processing of such information. By providing your information you consent to any transfer and processing in accordance with this Privacy Policy.

Other Terms and Conditions:

Your access to and use of the Services is subject to the Terms of Service at https://MyContractor411.org.

Changes to MyContractor411™’s Privacy Policy:

The Services and our business may change from time to time. As a result, at times it may be necessary for MyContractor411™ to make changes to this Privacy Policy. MyContractor411™ reserves the right to update or modify this Privacy Policy at any time and from time to time without prior notice. Please review this policy periodically, and especially before you provide any Personal Data. This Privacy Policy was last updated on the date indicated above. Your continued use of the Services after any changes or revisions to this Privacy Policy shall indicate your agreement with the terms of such revised Privacy Policy.

New Uses of Personal Data: From time to time, we may desire to use Personal Data for uses not previously disclosed in our Privacy Policy. If our practices change regarding previously collected Personal Information in a way that would be materially less restrictive than stated in the version of this Privacy Policy in effect at the time we collected the information, we will make reasonable efforts to provide notice and obtain consent to any such uses as may be required by law.

How We Respond to “Do Not Track” Signals:

Our Site currently does not respond to “Do Not Track” (DNT) signals and operates as described in this Privacy Policy whether or not a DNT signal is received. If we do so in the future, we will describe how we do so in this Privacy Policy.

YOUR CALIFORNIA PRIVACY RIGHTS

California Consumer Privacy Act (CCPA)

The CCPA affords California residents certain rights over their personal information (subject to certain exceptions). This section applies only to “personal information” that is subject to the laws of the state of California. Please review our CCPA Privacy Statement below for our privacy disclosures and information on how to exercise your rights.

CONTACTING MYCONTRACTOR411™

To keep your Personal Data accurate, current and complete, please contact us as specified below. We will take reasonable steps to update or correct Personal Data in our possession that you have previously submitted via the Services.

Please also feel free to contact us if you have any questions about MyContractor411™’s Privacy Policy or the information practices of the Services.

You may contact us as follows:

Email us at info@mycontractor411.org and include in the body of the email your specific request or mail your request to:

MyContractor411™ - Legal Department 13010 Morris Rd., STE 150 Alpharetta, GA 30004

California Consumer Privacy Act (“CCPA”) Notice and Privacy Policy

September 2022

The following CCPA Notice at Collection and Policy shall not apply to the collection, processing, sale or disclosure of any information (i) that a consumer provides to us to obtain a financial product or service, or (ii) about a consumer resulting from any transaction involving a financial product or service; or (iii) about a consumer resulting from a consumer’s express direction to disclose the consumer’s information; or (iv) we otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.

Most of our data collection and use practices are governed by our Privacy Policy. To better understand your rights in respect of any such information excluded from the following CCPA Notice at Collection and Policy as related to any loan you may have accepted from a third- party financial service provider, please instead reference the CCPA Notice at Collection and Policy of the particular third-party lender with whom you have accepted a loan. This NOTICE AT COLLECTION AND PRIVACY POLICY FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of MyContractor411™ Financial (“we,” “us,” or “our”) and applies solely to consumers who reside in the State of California (“consumers” or “you”). We adopt this statement to comply with the California Consumer Privacy Act of 2018 (“CCPA”) and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this statement. For California residents, the provisions of this Notice at Collection and Privacy Policy prevail over any conflicting provisions of the Privacy Policy of MyContractor411™.

Information We Collect

We collect information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household subject to the CCPA (“Personal Information”).

In particular, we have collected the following categories of Personal Information from consumers within the last twelve (12) months:

Category	Examples	Collected
A. Identifiers	A real name, postal address, unique personal identifier, online identifier, internet protocol address, email address, account name, or other similar identifiers.	YES
B. Categories of Personal Information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).	A name, physical characteristics or description, address, or telephone number. Some personal information included in this category may overlap with other categories	YES
C. Protected classification characteristics under CA or federal law.	Age, citizenship, marital status, medical condition, sex, veteran or military status.	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with an internet website, application, or advertisement.	YES
F. Geolocation data.	Physical location or movements.	YES
G. Professional or employment-related information.	Current or past job history or education information.	YES
H. Non-public education information (per the Family Educational Rights & Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
I. Inferences drawn from other Personal Information.	Profile reflecting a person's preferences, characteristics, behavior automatically derived from use of our services (e.g., through cookies) or from service providers	YES

Personal Information does not include:

Publicly available information from government records.
De-identified or aggregate consumer information.
Other information to the extent excluded from the CCPA's scope, like:
Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm- Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (CalFIPA), and the Driver's Privacy Protection Act of 1994;
Health or medical information that constitutes clinical trial data or that is otherwise covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA), the Health Information Technology for Economic and Clinical Health Act (HITECH), or the California Confidentiality of Medical Information Act (CMIA);
Personal Information we may collect from a natural person (including, without limitation, emergency contact information for that natural person and such other Personal Information we may need in order to administer benefits for such natural person) in the course of the natural person applying for a job with us or otherwise in connection that natural person acting as our employee, owner, director, officer, medical staff member, or contractor; and
Personal Information we may collect from a natural person who is acting as an employee, owner, director, officer, or contractor of another company with which company we are communicating or for which company we are otherwise evaluating or actually providing a product or service.

Sources of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we obtain such Personal Information from a variety of sources, including from:

our customers and consumers, with respect to both online and offline interactions they may have with us or our service providers and other entities with whom you transact;
others with whom you maintain relationships who may deal with us on your behalf; credit bureaus;
identify verification and fraud prevention services;
marketing and analytics providers;
public databases;
social media platforms;
advertising networks;
government entities;
internet service providers and the devices you use to access our websites, mobile applications, and online services;
operating systems and platforms;
third party through the use of an application program interface (API), such as Facebook or Plaid;
data brokers

Sources of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we obtain such Personal Information from a variety of sources, including from:

our customers and consumers, with respect to both online and offline interactions they may have with us or our service providers and other entities with whom you transact;
others with whom you maintain relationships who may deal with us on your behalf; credit bureaus;
identify verification and fraud prevention services;
marketing and analytics providers;
public databases;
social media platforms;
advertising networks;
government entities;
internet service providers and the devices you use to access our websites, mobile applications, and online services;
operating systems and platforms;
third party through the use of an application program interface (API), such as Facebook or Plaid;
data brokers

Use of Personal Information

With respect to each of the categories of Personal Information listed in the table above, we may use or disclose such Personal Information for any one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided.
To provide you with information, products or services that you request from us;
To provide you with email alerts, event registrations and other statements concerning our products or services;
To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections;
To detect and protect against security incidents, and malicious,deceptive, fraudulent or illegal activity, and prosecute the same;
To debug to identify and repair errors in our systems;
As otherwise necessary or appropriate to protect the rights, property or safety of us, our customers, consumers, or others;
To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations;
For such purposes as may be necessary or appropriate connection with audits and reporting relating to particular transactions and interactions, including online interactions, you may have with us or others on our behalf;
To improve our website and apps and present their content to you;
For testing, research, analysis and product development;
For short-term, transient use including contextual customization of ads; and/or
As otherwise described to you when collecting your Personal Information or as otherwise set forth in the CCPA.

Sharing Personal Information

With respect to each of the categories of Personal Information listed immediately below, we may disclose such Personal Information to a third party for any of the business purposes identified above.

In addition, as is common practice among companies that operate online, we allow certain third parties, including non-affiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Site analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. For more information about these practices, please review the “Cookies, Web Beacons and Similar Technology” section of the MyContractor411™ Privacy Policy.

In the preceding twelve (12) months, we have disclosed the above categories of Personal Information for each of the business purposes identified above.

With respect to each of the categories of Personal Information listed immediately above, we may disclose such Personal Information for a business purpose to the following categories of third parties:

Our affiliates
Service providers
Government entities
Marketing partners, such as those partners who you interact with that maintain a link to our services on their site, embeddable widget or our API
Providers, such as third parties as our customers or consumers may direct us to disclose their personal information

We do not, and will not, sell (as that term is defined by the CCPA) any Personal Information that we collect.

Your Rights and Choices

The CCPA provides consumers (California residents) with specific rights regarding their Personal Information. This section describes your CCPA rights and explains how to exercise those rights.

Access to Specific Information and Data Portability Rights You have the right to send us a request, no more than twice in a twelve- month period, for any of the following for the period that is twelve months prior to the request date:

The categories of personal information we have collected about you.
The categories of sources from which we collected your personal information.
The business or commercial purposes for our collecting or selling your personal information.
The categories of third parties to whom we have shared your personal information.
The specific pieces of personal information we have collected about you.
A list of the categories of personal information disclosed for a business purpose in the prior 12 months, or that no disclosure occurred.
A list of the categories of personal information sold about you in the prior 12 months, or that no sale occurred. If we sold your personal information, we will explain:
- The categories of your personal information we have sold.
- The categories of third parties to which we sold personal information, by categories of personal information sold for each third party.

You have the right to make or obtain a transportable copy, no more than twice in a twelve-month period, of your personal information that we have collected in the period that is 12 months prior to the request date and are maintaining.

Deletion Request Rights

You have the right to request that we delete any of your Personal Information that we have collected from you and retained, subject to certain exceptions. Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies.

We may deny your deletion request if retaining the Personal Information is necessary for us or our service providers to:

Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 sec.)
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exercising Access, Data Portability, and Deletion Rights

To make a request according to your rights under CCPA, email us at info@mycontractor411.org and specify type of notification request you are making in the body of the email or mail your request for the attention of the Privacy / Legal Department to MyContractor411™, 13010 Morris Rd., STE 150, Alpharetta, GA 30004. California Consumers may exercise these rights via an authorized agent who meets the agency requirements of the CCPA. We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Any request you submit to us is subject to an identification and residency verification process

The verifiable consumer request must:

Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative.
Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

Verifying Your Request

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify your identity or authority to make the request. We may otherwise limit our response to your request as permitted under applicable law.

Whenever feasible, we will match the identifying information provided by you to the Personal Information we maintain. Some personal information we maintain about Consumers is not sufficiently associated with enough personal information about the Consumer for us to be able to verify that it is a particular consumer's personal information (e.g., data tied only to a pseudonymous browser ID). As required by the CCPA, we do not include that personal information in response to verifiable consumer requests. If we cannot comply with a request, we will explain the reasons in our response.

We will make commercially reasonable efforts to identify consumer personal information that we collect, process, store, disclose, and otherwise use and to respond to your California Consumer privacy rights requests. We will typically not charge a fee to fully respond to your requests, but we may charge a reasonable fee, or refuse to act upon a request, if your request is excessive, repetitive, unfounded, or overly burdensome.

With respect to requests submitted on your behalf by your authorized agent, please note that we may deny a request from an authorized agent if the agent cannot provide your signed permission demonstrating that they have been authorized by you to act on your behalf.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response to that account.

Non-Descrimination

We will not discriminate against you for exercising any of your CCPA rights.

Opt Out

If third-party information collection on our sites constitutes the sale of personal information, such as the collection of certain information, including cookies and similar information stored on your browsers, advertising identifiers on your mobile devices, and/or the IP address of your devices when you visit our sites, you can exercise your right to opt out of these sales by:

Visit privacyrights.info to opt out from sales of this type of personal information by third-party businesses that participate in the DAA’s CCPA Opt-Out Tool, and
Visit myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings” and toggle “Ad personalization” to OFF, and
Follow the instructions in the “Third-Party Web Beacons and Third- Party Buttons” section in the MyContractor411™ Privacy Policy to opt out of interest-based advertising and other cookie-related information collection and processing.

California “Shine the Light” law

California's "Shine the Light" law, Civil Code section 1798.83, requires certain businesses to respond to requests from California customers asking about the businesses' practices related to disclosing personal information to third parties for the third parties' direct marketing purposes. We do not currently engage in the type of sharing covered by that law and so no such list exists. We do not make any representations concerning third parties that do not collect personal information directly through our Services.

Changes to Our Privacy Statement

We reserve the right to amend this privacy policy at our discretion and at any time. When we make changes to this privacy policy, we will notify you through a statement on our website homepage.

Contact Information

If you have any questions or comments about this statement, the ways in which we collect and use your Personal Information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us via email at info@mycontractor411.org and specify in the body of the email your specific request or mail us at:

MyContractor411™ - Legal Department
13010 Morris Rd., Suite 150
Alpharetta, GA 30004