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THIS IS A CONTRACT. PLEASE CAREFULLY READ THE FOLLOWING TERMS BEFORE ACCESSING THIS SITE AND/OR ANY INSTRUCTIONAL MATERIAL. BY ACCESSING THIS SITE, YOU ACCEPOSIO LABS WEB SITE “TERMS OF USE” INTERACTIVE SERVICE AGREEMENT AND LICENSE

Date of Revision: February 8, 2019

Welcome to the Osio Labs, Inc. web sites, including drupalize.me, gatsbyguides.com and various other company-owned web sites. These Terms of Use (also referred to as this “Agreement”) constitute a legally binding agreement made by and between Osio Labs, Inc. and the users of all of our web sites and related services, whether personally or on behalf of an entity (referred to as “you” or "User"). This Agreement governs your use of all of the Osio Labs web sites (collectively, the “Web Sites”) and the course content, services and support offered and provided by Osio Labs on the Web Sites (collectively, the “Services”), so please read it carefully.

PLEASE NOTE THAT BY ACCESSING OR USING OR ACCEPTING ANY OF THE WEB SITES OR THE SERVICES, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THIS AGREEMENT, INCLUDING THE DISPUTE RESOLUTION PROCEDURE. IF YOU DO NOT AGREE TO BE SO BOUND, DO NOT ACCESS OR USE THE WEB SITES OR THE SERVICES. OSIO LABS RESERVES THE RIGHT TO MAKE CHANGES TO THIS AGREEMENT AT ANY TIME. YOUR CONTINUED USE OF THE WEB SITES AND/OR THE SERVICES CONSTITUTES ASSENT TO ANY NEW PROVISIONS OF THIS AGREEMENT THAT MAY BE POSTED ON THE WEB SITES IN THE FUTURE.

1. Contact Information.

Osio Labs, Inc. is a Rhode Island corporation with its principal office at
11 South Angell Street #499, Providence, RI 02906

Postal mail should be sent to its mail drop,
500 Westover Dr #4424, Sanford, NC 27330

Osio Labs does not maintain an office in North Carolina and does not accept service of process at its mail drop in North Carolina.

Customer Service Email: [email protected]
Telephone: +1 (855) 976-5535.

2. Modification of Terms.

Osio Labs reserves the right to modify these Terms of Use at any time. Except as otherwise stated herein, any change to these Terms of Use is effective immediately after Osio Labs gives notice to the User. Notice can be given through email, a posting on one of the Web Sites or any other means by which a User may obtain notice. The User agrees to check the Web Sites periodically for changes to these Terms of Use. Any use of the Web Sites after changes have been made shall be deemed acceptance of those changed terms and/or conditions.

3. Limited License.

Osio Labs grants each User a limited, non-exclusive, non-sublicensable and non-transferable license to access the materials and information made available to Users (the "Content") on the Web Sites according to the provisions contained herein, and subject to the payment of applicable fees and adherence to these Terms of Use.

4. Becoming a Registered User.

Except as expressly provided below, certain Services may only be used by, and registered user status is limited to, individuals who enter into legally binding contracts with Osio Labs under applicable law (“Registered Users”). Without limitation, minors are prohibited from becoming Registered Users.

To become a Registered User, you must create an account with Osio Labs through the online registration process on an applicable Web Site. In some cases, and only at your organization’s request, Osio Labs may create an online registration groups of users. If you create an individual account for yourself, you must provide Osio Labs with accurate and complete registration information, as prompted in the registration form. You should regularly review and promptly update your online profile if any of this information changes.

If you create an account you will be asked to choose a password. If your account was created for you, you will be asked to create a new password. You must keep your password confidential. You will be responsible for all uses of your password and account, including, without limitation, any use by any unauthorized third party. You must notify Osio Labs immediately if you believe your password or account has been obtained, or may be accessed or used by, any unauthorized person or entity. In addition, you must notify Osio Labs immediately if you become aware of any other breach or attempted breach of the security of the Web Sites. For security purposes, Osio Labs recommends that you change your password often.

The right to use the Web Sites does not necessarily include access to all of the software, content, services and support provided and licensed by Osio Labs to its Registered Users for a fee.

Registered Users may download and/or copy content or information displayed on the Web Sites for personal use or to further their business purposes, provided that all copyright and other notices contained therein are maintained. Copying, sharing, publishing, displaying, and/or preparing derivative works of any content or information from the Web Sites, in any form or by any means, for other than personal or business use is expressly prohibited without prior written permission from Osio Labs or the owner of the copyrighted content.

5. Fees; Renewal; Refund Policies.

Registration is on a recurring basis, either monthly or annually, and provides the Registered User with access to the Osio Labs Content for which registration is made. Registration automatically renews on the same date of each corresponding month or year, or on final date of the month if there is no corresponding date (e.g. January 31, 2018 registration renews on February 28, 2018). Fees are automatically charged on renewal date.

The term and access as a Registered User to the Web Sites may be canceled at any time by the Registered User. Upon cancellation of renewal the Registered User will retain access to the Osio Labs Content until the end of the paid renewal period. Registration fees are non-refundable; except that the Registered User may cancel renewed membership in writing up to three (3) calendar days after the renewal date and receive a full refund of the new membership fees. Osio Labs may increase registration fees for a subsequent period at any time and for any reason, provided that Osio Labs provides notice at least thirty (30) calendar days prior to the expiration of the registration period. Right of access to Osio Labs Content granted under these Terms of Use is effective only upon payment of the registration fees.

6. Access to Osio Labs Content; Modification of Content.

Osio Labs strives to provide Content to its Users on a continuous basis. To that end, Osio Labs will take all commercially reasonable efforts to provide uninterrupted access to the Content to its Users. However, from time to time, Users may be unable to access the Content due to conditions beyond Osio Labs’s control. Such conditions include, but are not limited to, force majeure events such as acts of God, power outages, and the acts of computer hackers and others acting outside the law. Also, from time to time, access may be unavailable due to software issues, server downtime, increased Internet traffic or downtime, programming errors, and regular maintenance of the Web Sites.

In response to any unavailability of the Content, Osio Labs will take all commercially reasonable steps to ensure that access is restored within a reasonable period of time. The term “commercially reasonable” as used in these Terms shall mean reasonable efforts taken in good faith without an unduly or burdensome use or expenditure of time, resources, personnel or money.

Osio Labs endeavors to provide the highest quality content to its Users. To that end, Osio Labs reserves the right, in its sole discretion, to change, modify, or discontinue any aspect or feature of the Web Sites or the Services in whole or in part, including, without limitation, the content, availability, access and/or the Terms of Use of the Web Sites. Such changes, modifications, additions or deletions will be effective immediately upon notice thereof, which notice may be made by posting such changes on the Web Sites. Users are solely responsible for ensuring that they have sufficient and compatible hardware, software, telecommunications equipment and Internet service necessary for use of the Web Sites.

7. Prohibited Conduct.

You expressly agree to refrain from doing, either personally or through an agent, any of the following, all of which are termed “Prohibited Conduct”:

• Transmitting, installing, uploading or otherwise transferring any virus, advertisement, communication, or other item or process to the Web Sites that in any way affects the use, enjoyment or service of the Web Sites, or adversely affects Osio Labs’s computers, servers or databases.
• Capturing, downloading, saving, uploading, printing or otherwise retaining information and content available on the Web Sites other than what is expressly allowed by these Terms.
• Permitting or providing others access to Content using your user name and password or otherwise, or the name and password of another authorized User.
• Copying, modifying, reverse engineering, disassembling, redistributing, republishing, altering, creating derivative works from, assigning, licensing, transferring or adapting any of the software, information, text, graphics, source code or HTML code, or other content available on the Web Sites.
• Removing or modifying any copyright, trademark, legal notices, or other proprietary notations from the Content available on the Web Sites .
• Transferring the Content to another person; “framing,” “mirroring,” “in-line linking,” or employing similar navigational technology to the Content; or “deep linking” to the Content.
• Violating or attempting to violate Osio Labs’s security mechanisms, accessing any data or server you are not authorized to access or otherwise breaching the security of the Web Sites or corrupting the Web Sites in any way.
• Engaging in any other conduct which violates the Copyright Act or other laws of the United States or any other jurisdiction to which you are subject.
• Using any device (such as a “web crawler” or other automatic retrieval mechanism) or other means to harvest information about other Users, the Web Sites or Osio Labs.
• Using the Web Sites to violate a third party’s intellectual property, personality, publicity or confidentiality rights; uploading, downloading, displaying, publishing, performing, creating derivative works from, transmitting, or otherwise distributing information or content in violation of a third party’s intellectual property rights.
• Misrepresenting your identity or personal information when accessing the Web Sites; or forging any TCP/IP packet header or any part of the header information in any email so that the email appears to be generated by Osio Labs.
• Posting obscene, harassing, defamatory, filthy, violent, pornographic, abusive, threatening, objectionable or illegal material on the Web Sites; posting a communication that advocates or encourages criminal conduct or conduct that may give rise to civil liability.
• Advertising or otherwise soliciting funds, goods or services on the Web Sites.
• Providing any commercial hosting service with access to the Web Sites and/or the Content on the Web Sites.

To ensure that Users of the Web Sites do not engage in Prohibited Conduct, Osio Labs reserves the right to monitor use of the Web Sites and to revoke or deny access to any person or entity whose use of Content suggests Prohibited Conduct. Access to the materials available on the Web Sites beyond that of normal patterns of use that suggests systematic copying of the materials constitutes abuse of Content and will result in revocation or denial of access to the Content. What are “normal patterns” and “abuse” shall be determined solely by Osio Labs. You agree not to violate any U.S., foreign or international software or technology export laws and regulations, including without limitation the U.S. Export Administration Regulations. If you believe your intellectual property rights have been violated, you should submit an infringement notification to the address set forth in Section 17 below.

8. LIMITED WARRANTIES.

Osio Labs warrants that the software that allows Users to access the Web Sites (the “Software”), if operated as directed, will substantially achieve the functionality required to access and use the Content. OSIO LABS PROVIDES NO WARRANTY THAT YOUR HARDWARE, SOFTWARE, TELECOMMUNICATIONS EQUIPMENT AND/OR INTERNET SERVICE IS COMPATIBLE OR SUFFICIENT TO ACCESS THE WEB SITES. ALTHOUGH OSIO LABS HAS ATTEMPTED TO PROVIDE ACCURATE INFORMATION ON THE WEB SITES, IT MAKES NO GUARANTEE OR WARRANTY, EXPRESS OR IMPLIED, AS TO THE RELIABILITY, ACCURACY, TIMELINESS OR COMPLETENESS OF THAT INFORMATION AND ASSUMES NO RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS THEREIN.

9. DISCLAIMERS AND LIMITATION OF LIABILITY.

YOU ACCESS THE WEB SITES AT YOUR OWN RISK. THE WEB SITES ARE PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND (BEYOND THE WARRANTIES SET FORTH IN SECTION 8), EXPRESSED, IMPLIED OR STATUTORY, AND ANY AND ALL WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS ARE SPECIFICALLY DISCLAIMED. OSIO LABS DOES NOT WARRANT ANY PARTICULAR RESULT FROM USE OF THE WEB SITES OR WARRANT THAT THE INFORMATION ON THE WEB SITES IS ACCURATE, COMPLETE OR COMPLIES WITH ANY PARTICULAR LAW OR REGULATION, OR THAT THE OPERATION OF AND YOUR ACCESS TO THE WEB SITES WILL BE UNINTERRUPTED, ERROR-FREE, VIRUS-FREE OR COMPLETELY SECURE.

UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (TORT, CONTRACT OR OTHERWISE) SHALL OSIO LABS OR ANY OF ITS AFFILIATES, AGENTS, EMPLOYEES, SHAREHOLDERS, DIRECTORS, OFFICERS, THIRD PARTY CONTENT PROVIDERS, SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER PERSON OR ENTITY FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY CHARACTER, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, LOSS OF DATA, LOSS OF PRODUCTIVITY OR CONTRACT, OR ANY AND ALL OTHER COMMERCIAL DAMAGES OR LOSSES. YOUR USE OF THE WEB SITES IS AT YOUR SOLE RISK AND ANY CONTENT THAT YOU DOWNLOAD IS DOWNLOADED AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM AND FOR ANY LOSS OF DATA THAT RESULTS FROM THE DOWNLOADING OF ANY SUCH CONTENT, INCLUDING ANY DAMAGES RESULTING FROM COMPUTER VIRUSES.

IN NO EVENT WILL OSIO LABS BE LIABLE FOR ANY DAMAGES IN EXCESS OF THE AMOUNT OSIO LABS RECEIVED FROM YOU FOR ACCESS TO WEB SITES, EVEN IF OSIO LABS SHALL HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIM BY ANY OTHER PARTY. IN NO EVENT WILL WARRANTIES PROVIDED BY LAW, IF ANY, APPLY UNLESS THEY ARE REQUIRED TO APPLY BY STATUTE NOTWITHSTANDING THEIR EXCLUSION BY CONTRACT. THIS DISCLAIMER IS APPLICABLE TO ANY DAMAGE OR INJURY RESULTING FROM THE NEGLIGENCE OR AN OMISSION OF OSIO LABS, COMPUTER VIRUS OR OTHER SIMILAR ITEM, TELECOMMUNICATIONS ERRORS, OR UNAUTHORIZED ACCESS TO OR USE OF USER INFORMATION THROUGH THEFT OR ANY OTHER MEANS. OSIO LABS IS NOT LIABLE FOR CRIMINAL, TORTIOUS, OR NEGLIGENT ACTIONS OR OMISSIONS OF THIRD PARTIES THAT AFFECT THE WEB SITES. NO AGENT OR EMPLOYEE OF OSIO LABS IS AUTHORIZED TO MAKE ANY MODIFICATIONS, EXTENSION, OR ADDITIONS TO THESE LIMITED WARRANTIES OR DISCLAIMERS. THE LAWS OF YOUR JURISDICTION MAY PROHIBIT OR MODIFY THE FOREGOING DISCLAIMERS AND LIMITATIONS ON DAMAGES, AND SUCH DISCLAIMERS OR LIMITATIONS ON DAMAGES MAY NOT APPLY TO YOU.

10. Third-Party Content.

Osio Labs does not pre-screen third-party materials. It is not the publisher or author of any information on the Web Sites that is provided by third-party content providers, and Osio Labs is not liable for any claims related to such information. Content provided by third parties is for informational purposes only, and Osio Labs’s use of the content constitutes neither an endorsement nor a recommendation by Osio Labs of the content. Osio Labs assumes no responsibility for third-party products or services. Osio Labs does not endorse or otherwise recommend any of these third-party websites, references, or the products, services, or information there offered. Osio Labs has the right but not obligation to monitor third-party websites and disable hyperlinks to the Web Sites. OSIO LABS MAKES NO WARRANTY, EITHER EXPRESSED OR IMPLIED, OF THE ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THE INFORMATION PROVIDED BY THIRD PARTIES. THIS INCLUDES, BUT IS NOT LIMITED TO, ANY INFORMATION FOUND ON A LINK LOCATED ON THE WEB SITES THAT ALLOWS USERS TO ACCESS INFORMATION FOUND ON ANOTHER SITE.

11. Copyrights, Trademarks and Other Proprietary Rights.

Osio Labs or its third-party content providers retain all worldwide rights in the intellectual property in and on the Web Sites, including but not limited to trademarks, service marks, trade dress, inventions, ideas, trade secrets, source code not falling under an open source license, the HTML code, the "look and feel" of the Web Sites, their color combinations, layout, and all other graphical elements, and the copyrights in and to the original Content. You should assume that everything you read or see on the Web Sites is copyrighted, trademarked, or otherwise protected and owned or licensed by Osio Labs. Except as expressly stated on the Web Sites or in this Agreement, nothing that you read or see on the Web Sites may be copied, reproduced, modified, distributed, transmitted, republished, displayed or performed for commercial use without the prior written consent of Osio Labs, except as provided in this Agreement. Nothing in this Agreement grants you an express or implied license to use any of Osio Labs’s intellectual property except as set forth in Section 3. If you submit any unsolicited intellectual property, idea, copyrightable material, invention, discovery, improvement, trade secret or know-how to Osio Labs, you may forfeit your intellectual property rights and moral rights contained in such communication or material.

12. Indemnification.

You will defend, indemnify and otherwise hold Osio Labs and its officers, directors, agents, employees, shareholders, successors and assigns harmless from and against any cause of action or claim, including court costs, expenses and attorney fees, related to or arising from your Prohibited Conduct or other improper or illegal use of the Web Sites, or breach of this Agreement.

13. Security; Authorized Use.

You may not violate or attempt to violate the security of the Web Sites. Osio Labs has the right but not the obligation to investigate occurrences of possible violations and will cooperate with law enforcement authorities in prosecuting violators. Osio Labs may suspend your access while it conducts an investigation. To protect against unauthorized access to your account, it is recommended that you close your web browser when you have finished using a Web Site. You are responsible for maintaining the secrecy of your username and password. You may not use the account, username or password of someone else at any time. You agree to notify Osio Labs immediately of any unauthorized use or loss of your account, username, password and/or credit card information. You also agree to notify Osio Labs immediately if you are aware of or suspect other unauthorized use of the Web Sites and/or the Content. Osio Labs will not be liable for any loss that you incur as a result of someone else using your username and password with or without your knowledge. Osio Labs will never ask you for your password. If you need a new username and/or password, Osio Labs will generate a new username and password automatically through its computers and send it to your email.

14. Termination of Agreement.

In addition to Osio Labs’s other rights, it may terminate this Agreement at any time and at its sole and absolute discretion. Osio Labs may also terminate access to the Content without notice if it believes, in its sole judgment, that you have breached or may breach any term or condition of this Agreement, or engaged in conduct that Osio Labs deems inappropriate. The provisions in this Section and those in Sections 8, 9, 11, 16, 17 and 18 as well as each User's obligation to pay outstanding registration fees shall survive any termination of this Agreement.

15. Privacy Policy.

Your privacy is important to us. Please read our Privacy Policy for information regarding how we collect, use, and disclose your personal information and protect your privacy when you access the Web Sites and register for and use the Services.

16. Assignment.

This Agreement will bind and inure to the benefit of each party’s permitted successors and assigns. Neither party may assign this Agreement without the advance written consent of the other party, except that Osio Labs may assign this Agreement without consent to an affiliate or in connection with a merger, reorganization, acquisition, or other transfer of all or substantially all of its assets or voting securities. Any attempt to transfer or assign this Agreement except as expressly authorized under this Section 16 will be null and void. No third party is an intended beneficiary of these Terms of Use.

17. Notices.

Any notice or communication under this Agreement must be in writing. You must send any notices under this Agreement (including infringement and breach notices) to Osio Labs at [email protected] if by email, or to the physical address set forth above if by postal mail, and include “Attn. Legal Department” in the subject line. Osio Labs may send notices to the email address on your account or, at Osio Labs’s option, to your last-known postal address. Osio Labs may also provide operational notices regarding the Web Sites or other business-related notices through conspicuous posting of such notice on the Web Sites. Each party hereby consents to receipt of electronic notices. Osio Labs is not responsible for any automatic filtering you or your network provider may apply to email notifications.

18. Governing Law; Dispute Resolution.

This Agreement is governed by the laws of the State of Rhode Island applicable to contracts executed and fully performed in Rhode Island. The terms of the United Nations Convention on Contracts for the Sale of Goods and the Uniform Computer Information Transactions Act do not apply to this Agreement, regardless of when or where adopted.

In the event of a dispute, the parties shall engage in a good faith effort to reach an amicable resolution, with or without the assistance of a mediator, prior to commencing legal action. Except for allegations that you have infringed or have threatened to infringe our intellectual property rights, you and we agree that any dispute or controversy between us, or arising under or concerning performance or breach of this Agreement, shall be settled by one arbitrator in binding arbitration, to be held in Providence, Rhode Island, U.S.A., under the then-current rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court of competent jurisdiction. If Osio Labs alleges that you have infringed or threatened to infringe our intellectual property rights, then, in addition to any other rights and remedies we may have, we may seek any preliminary or permanent injunctive relief from any court of competent jurisdiction without the necessity of posting a bond. For such actions, you consent to the exclusive personal jurisdiction and venue of the federal and state courts in and for Providence, Rhode Island, U.S.A. The substantially prevailing party in any action to enforce this Agreement will be entitled to recover its reasonable attorneys’ fees and costs for the action.

19. Miscellaneous.

These Terms of Use constitute the entire agreement between you and Osio Labs regarding the subject matter hereof. Any previous agreement, whether oral or written, between you and Osio Labs dealing with the subject matter hereof is superseded. These Terms of Use may only be modified or amended in writing. If any portion of these Terms of Use is determined to be unenforceable for any reason, such portion will be deemed severed and the remaining terms and conditions shall continue in full force and effect. Upon your breach or threatened breach of these Terms of Use, Osio Labs may pursue any legal or equitable remedy available, including but not limited to injunctive relief. Osio Labs’s remedies are cumulative and not exclusive. Failure of Osio Labs to exercise any remedy or enforce any portion of this Agreement at any time shall not operate as a waiver of any remedy or of the right to enforce any portion of the Agreement at any time thereafter. You agree that regardless of any statute or law to the contrary, you must file any claim or action arising out of or regarding this Agreement within one (1) year after such claim or cause of action arose or you will be forever barred from bringing such claim or action. By accessing the Web Sites, you accept this shortening of the statutes of limitations. You agree to comply with all applicable local laws, including any international laws, when using the Web Sites.

Last updated: February 8, 2019

1. Introduction

At Osio Labs, Inc. we take your privacy rights and your expectation of privacy very seriously. Our Privacy Policy has changed significantly, and we strongly encourage you to read the policy and to let us know if you have any questions

This Privacy Policy describes Osio Labs’s policies and procedures regarding the collection, use and disclosure of information which you provide when you use Osio Labs’s osiolabs.com, drupalize.me, or reactfordrupal.com, or gatsbyguides.com web sites (the “Web Sites”), when you use the related services and features offered on the Web Sites, and when you subscribe to, register for Osio Labs’s training modules (the Web Sites, the related services and features, and any other products and/or services offered by Osio Labs are collectively referred to as the “Osio Labs Products”).

We will ask you to consent to our use of cookies in accordance with the terms of this Privacy Policy when you first use the Osio Labs Products. Your consent confirms that you have read and accepted this Privacy Policy and the Terms of Use applicable to the specific Osio Labs Product.

Osio Labs will not use or share your information which it obtains through your use of the Osio Labs Products for any purpose or with anyone except as described in this Privacy Policy. However, please note that this Privacy Policy does not apply to information we collect by other means or from other sources.

2. How We Collect Your Information

Information You Provide. When you access the Web Sites, make purchases of any Osio Labs Products, or at other times, we collect and store personally identifiable information (generally defined to mean information that can be used on its own or with other information to identify, contact or locate a single person, or identify an individual in context) about you that may include, your name, postal and e-mail addresses, professional affiliation, information regarding your computer system, and other information.

We request certain information from you if you make a payment from one of our Web Sites. You must provide contact information such as your name, postal address and e-mail address, and payment information such as a credit/debit card number and the expiration date. Payment information is used for payment processing purposes only. We use a credit/debit card processing company to process credit/debit card charges for Osio Labs Products. We do not retain, share, store or use credit/debit card information for any secondary purposes (subject to Federal, state law including the California Public Records Act, and applicable non-U.S. law such as the European Union's General Data Privacy Regulation, or "GDPR") and will exercise reasonable care, but no less than the care required by applicable laws, to prevent disclosure or use of credit/debit card information.

Information Provided By Third Parties. We may from time to time obtain information about you from third-parties such as business partners, mobile carriers or other companies. We may use any information about you which we receive from a third party to include in our databases or append to existing user data to add more detail to the information we have about you.

Cookies. For each visitor to our Web sites, our web server may automatically attempt to identify the user through a cookie placed within the user’s web browser (a cookie is a message given to a web browser by a web server; the browser stores the message in a text file; the message is then sent back to the server each time the browser requests a page from the server). This is done to provide users with more relevant access to the Web Sites. From time to time we may also track information, in the aggregate, on pages and features that users access or view. The activity is collected and stored in our server’s log files. We may log Internet Protocol (IP) addresses, or the location of your computer on the Internet, for systems administration and troubleshooting purposes. We use this information in an aggregate fashion to track access to the Web Sites. Our email newsletters utilize tracking technology that allows us to see how many newsletter e-mails are opened and the e-mail address of users who have clicked on a given story, feature or advertisement. We use this information for internal purposes, to measure the aggregate number of people who view a given newsletter item.

We may also place cookies on users’ computers to allow users to store login information, personalize their user experience and navigate easily through the Web Sites. Through the use of additional cookies or technology, we will have the ability to track users by their behavior profile and geographic location for the purpose of displaying advertising that matches their interests and/or specific location. We, or the service provider, will inform you of such collection at the time you use the service. By giving your consent, you agree to our collection, use and disclosure of your location information as described.

Third Party Vendors and Service Providers. We may use third-party vendors and service providers to serve advertisements or other features on the Osio Labs Products. These vendors may use cookies, web beacons or similar technologies to serve you advertisements or other services tailored to interests you have shown by browsing on this and other sites you have visited and to services you have requested from us. In doing so, these vendors may collect non-personal information such as your browser type, your operating system, Web pages visited, time of visits, content viewed, ads viewed, and other clickstream data. You may have additional rights regarding opt-out of services offered by our third party vendors, including those set forth below, if you reside in a jurisdiction such as the European Economic Area which provides for enhanced user rights.

3. How We Process Your Personal Information

The following sets forth the ways we process your personal information. For residents of the European Economic Area, this disclosure is required by GDPR Articles 13 and 14. GDPR also requires us to inform you that the legal basis for processing this information is, as applicable, your consent, our legitimate interest, or a contract we have entered into with you.

(a) We may process information about your use of the Osio Labs Products ("usage data"). The usage data may include your IP address, geographical location, browser type and version, operating system, referral source, length of visit, page views and website navigation paths, as well as information about the timing, frequency and pattern of your use of the Osio Labs Products. We use this usage data for the purposes of analyzing your use of the Osio Labs Products.

(b) We may process your account information ("account data"). The account data may include your name and email address. We use this account data to provide the Osio Labs Products to you, maintain back-ups of our databases and communicate with you.

(c) We may process your information which you have included in your personal profile on our websites ("profile data"). The profile data may include your name, address, telephone number, email address, profile pictures, date of birth, educational details and employment details. We use this profile data to enable and monitor your use of the Osio Labs Products.

(d) We may process information that you post on our Web Sites or through our services ("publication data"). We use this publication data enable the posts and to administer the Osio Labs Products.

(e) We may process information contained in any enquiry you submit to us regarding the Osio Labs Products ("enquiry data"). We use this enquiry data for the purposes of offering, marketing and selling relevant goods and/or services to you.

(f) We may process information relating to transactions, including purchases of goods and services, that you enter into with us and/or through Osio Labs ("transaction data"). The transaction data may include your contact details, your payment card details and the transaction details. We use this transaction data for the purpose of supplying the purchased goods and services to you and keeping proper records of those transactions.

(g) We may process information that you provide to us for the purpose of subscribing to our email notifications and/or newsletters and downloading Osio Labs or third party white papers ("notification data"). We use this notification data for the purposes of sending you relevant notifications, newsletters and/or white papers.

(h) We may process information contained in or relating to any communication that you send to us ("correspondence data"). The correspondence data may include the communication content and metadata associated with the communication. Our Web Site will generate the metadata associated with communications made using the website contact forms. We use this correspondence data for the purposes of communicating with you and record-keeping.

(i) We may process any of your personal information where necessary for the establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure, and where necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, or obtaining professional advice.

(j) In addition to the specific purposes for which we may process your personal information set forth in this Privacy Policy, we may also process any of your personal information where such processing is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person.

4. Providing Your Personal Information to Others

The following sets forth the ways we may disclose your personal information to others.

(a) We may disclose personal information to our suppliers or subcontractors insofar as reasonably necessary to maintain the Osio Labs Products. We may use service providers in connection with operating and improving the Platform to assist with certain functions, such as payment processing, email transmission, conducting surveys or contests, data hosting, managing our ads, and some aspects of our technical and customer support. We take measures to ensure that these service providers access, process, and store information about you only for the purposes we authorize, subject to confidentiality obligations.

(b) Financial transactions relating to Osio Labs Products may be handled by our payment services providers. We will share transaction data with our payment services providers only to the extent necessary for the purposes of processing your payments, refunding such payments and dealing with complaints and queries relating to such payments and refunds. At your request we will inform you of the identity of our payment service providers and provide links to their privacy policies and practices.

(c) We may disclose your enquiry data to one or more select third party suppliers of goods and services for the purpose of enabling them to contact you so that they can offer, market and sell to you relevant goods and/or services. Each such third party will act as a data controller in relation to the enquiry data that we supply to it; and upon contacting you, each such third party will supply to you a copy of its own privacy policy, which will govern that third party's use of your personal information.

(d) We may disclose your personal information to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

(e) We may transfer part or all of your information in the case of a merger, acquisition, bankruptcy, or other sale of all or a portion of Osio Labs’s assets or stock.

(f) In addition to the specific disclosures of personal information set out in this Section, we may disclose your personal information where such disclosure is necessary for compliance with a legal obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person. We may also disclose your personal information where such disclosure is necessary for the establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

5. Other Disclosures of Your Information

We may store personal information in locations outside the direct control of Osio Labs (for instance, on servers or databases co-located with hosting providers).

As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer or assign such information in the course of corporate divestitures, mergers, or dissolution. In such cases we cannot control acquiring parties’ use of your information.

We may disclose your personal information if required to do so by law or subpoena or if we believe that it is reasonably necessary to comply with a law, regulation or legal request; to protect the safety of any person; to address fraud, security or technical issues; or to protect Osio Labs’s rights or property.

Additional use of your personal information that is not described in this Privacy Policy will only take place as required by statute or when we have obtained your consent.

6. Links to Other Websites

The Osio Labs Products may contain links to other web sites or services that may be subject to less stringent privacy standards. Osio Labs cannot assume any responsibility for the privacy practices, policies or actions of the third parties that operate these websites or services. We are not responsible for how such third parties collect, use or disclose your personal information. You should review their privacy policies before providing them with personal information.

7. Your Right to Opt Out

We are committed to providing users of Osio Labs Products with the choice to receive or not receive e-mails, promotional materials and/or other communications from Osio Labs. We only send commercial emails to users who have requested or consented to receive emails about our services and products. We do not send unsolicited commercial emails (“spam”), buy or sell email lists, or use purchased or harvested email lists. We offer commercial email recipients the opportunity to opt-out of further communications in every email. If you want to stop receiving commercial emails, promotional or other marketing materials, you can do so at any time by contacting Osio Labs at [email protected].

8. Non-U.S. Users

The Osio Labs Products are operated in and provided from the United States. If you are located in Canada, the European Union or elsewhere outside of the United States, please be aware that any information you provide to us will be transferred to the United States. By using the Osio Labs Products, participating in any of our services and/or providing us with your information, you consent to this transfer.

9. California and Canadian Users

Under the California “Shine The Light” law, California residents may opt-out of the disclosure of personal information to third parties for the third parties’ direct marketing purposes. Canadian residents also have certain rights to know how their information may be shared with third parties for direct marketing purposes. As detailed above, you may contact us for such information or to opt-out of the sharing of your personal information with third parties for marketing purposes at any time by sending an e-mail stating this preference and including your full name and e-mail address to [email protected]. Please note that this opt-out does not prohibit disclosure for non-marketing purposes.

10. European Economic Area Users: Your Data Protection Rights under General Data Protection Regulation (GDPR)

The General Data Protection Regulation, effective May 25, 2018, requires that certain information and certain rights be provided to residents of the European Union, as follows.

Transferring Personal Information From The EU To The U.S. Osio Labs has its headquarters in the United States. Information we collect from you will be processed in the United States. The United States has not sought nor received a finding of “adequacy” from the European Union under Article 45 of the GDPR. Osio Labs relies on derogations for specific situations as set forth in Article 49 of the GDPR. In particular, Osio Labs collects and transfers to the U.S. personal information only (a) with your consent, (b) to perform a contract with you, or (c) to fulfill a compelling legitimate interest of Osio Labs in a manner that does not outweigh your rights and freedoms. Osio Labs endeavors to apply suitable safeguards to protect the privacy and security of your personal information and to use it only consistent with your relationship with Osio Labs and the practices described in this Privacy Policy.

You May Elect Not To Provide Personal Information. You may choose not to provide Osio Labs with your personal information. However, if you choose not to provide your personal information, you may not be able to enjoy the full range of services which Osio Labs offers.

How to Exercise Your Rights. If you reside in the European Economic Area, you have certain rights to the personal information that we have collected about you. To exercise your rights to your personal information, please contact us at [email protected]. We will respond to reasonable requests as soon as practicable, and in any event, within the time limits prescribed by law. You have the following rights:

(a) Right Of Access To Your Personal Information: You have the right to ask us for confirmation on whether we are processing your personal information, and access to the personal information and related information on that processing (for example, the purposes of the processing, or the categories of personal information involved).

(b) Right to Correction: You have the right to have your personal information corrected.

(c) Right to Erasure: You have the right to ask us to delete your personal information. This right may be exercised, among other times: when your personal information is no longer necessary for the purposes for which it was collected or otherwise processed; when you withdraw consent on which processing is based and where there is no other legal ground for processing; when you object to processing and there are no overriding legitimate grounds for the processing; or when your personal information has been unlawfully processed.

(d) Right To Restriction Of Processing: You have the right to request the limiting of our processing under limited circumstances, including: when the accuracy of your personal information is contested; when the processing is unlawful and you oppose the erasure of your personal information and request the restriction of the use of your personal information instead; or when you have objected to processing pending the verification whether the legitimate grounds of Osio Labs override your grounds.

(e) Right To Data Portability: You have the right to receive the personal information that you have provided to us, in a structured, commonly used and machine-readable format, and you have the right to transmit that information to another controller, including to have it transmitted directly, where technically feasible.

(f) Right To Object: You have the right to object to our processing of your personal information, as permitted by law. This right is limited to processing based on GDPR Art. 6(1)(e) or (f), and includes profiling based on those provisions, and processing for direct marketing purposes, after which we will no longer process your personal information unless we can demonstrate compelling legitimate grounds for the processing that override your interests, rights and freedoms or for the establishment, exercise or defense of legal claims.

Right To Lodge A Complaint Before The Data Protection Authority. We encourage you to contact us directly and allow us to work with you to address your concerns. Nevertheless, you have the right to lodge a complaint with a competent data protection supervisory authority, in particular in the EU Member State where you reside, work or the place of the alleged infringement. You have the right to do so if you consider that the processing of personal information relating to you infringes applicable data protection laws.

11. Security

The security of the Osio Labsn Products and your information is of great importance to Osio Labs. Osio Labs has reasonable security measures in place to protect the loss, misuse and alteration of your information under Osio Labs’s control, but we make no assurances about our ability to prevent any such loss, misuse or alteration, and we shall have no liability to you or any third party from any loss, misuse or alteration. We do not warrant that your access to the Osio Labs Products is completely secure. You should promptly notify Osio Labs if your account, username or password have been lost or stolen. Osio Labs will never ask you for your password. If you need a new user name and/or password, Osio Labs will generate a new username and password automatically through its computers and send it to your e-mail.

Osio Labs shall notify any user whose information is suspected of being accessed, disclosed, altered or deleted by an unauthorized person, so that the user can take appropriate measures to minimize the adverse effect of such a data security breach (a "Breach Notification"). Osio Labs will make such Breach Notification soon after it learns of a breach, unless it deems, at its sole discretion, that such Notification might hinder and prevent ongoing efforts to detect the source of the breach. For the avoidance of doubt, a Breach Notification does NOT constitute an admission by Osio Labs that the breach occurred as a result of malpractice, failure, bad faith or negligence on behalf of Osio Labs or that the breach even occurred in Osio Labs's systems.

12. Children's Privacy

Protecting the privacy of children is especially important. Osio Labs does not knowingly collect or solicit personal information from anyone under the age of 13 or knowingly allow such persons to use the Osio Labs Products. If we become aware that we have collected personal information from a child under age 13 without verification of parental consent, we take steps to remove that information.

13. Governing Law and Jurisdiction

This Privacy Policy shall be governed by the laws of the State of Rhode Island, without regard to its conflict of laws provisions. Any dispute arising under or in relation to this Policy shall be resolved in accordance with the terms and procedures set forth in the Terms of Use applicable to the specific Osio Labs Product.

14. Changes to Our Privacy Policy

If we change our privacy policies and procedures, we will post those changes on this page to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. Changes to this Privacy Policy are effective when they are posted on this page. Please check this page on a consistent basis.

15. Contacting Osio Labs

Please contact Osio Labs if you have any questions about this Privacy Policy, the practices of Osio Labs or your dealings with the Web Sites. You can contact us by email to [email protected] or by postal mail to (this is a mail drop; Osio Labs does not have a business office in North Carolina):

Osio Labs, Inc. 500 Westover Dr #4424 Sanford, NC 27330 United States