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CAVU COMPARE, INC. TERMS OF USE
1. Contractual Relationship
1.1 Application of Terms. These Terms of Use (“Terms”) govern your access or use of the applications, website (the “Website” as defined in Section 3 below), content, products, and services, (the “Services,” as defined below in Section 3) by Cavu Compare, Inc. and its parents, subsidiaries, representatives, Affiliates, officers and directors (collectively, “Cavu”). PLEASE READ THESE TERMS CAREFULLY, AS THEY FORM A CONTRACTUAL AND LEGAL AGREEMENT BETWEEN YOU AND Cavu. In these Terms, the words “including” and “include” mean “including, but not limited to.” An “Affiliate” includes Bentek, Inc., as well as entities under common control or ownership with Cavu.
1.2 Acceptance of Terms. By accessing or using the Services, you confirm your agreement to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Services. These Terms expressly supersede prior agreements or arrangements with you. Cavu may immediately terminate these Terms or any Services with respect to you, or generally cease offering or deny access to the Services or any portion thereof, at any time for any reason.
1.3 IMPORTANT: PLEASE REVIEW THE ARBITRATION AGREEMENT SET FORTH BELOW CAREFULLY, AS IT WILL REQUIRE YOU TO RESOLVE DISPUTES WITH CAVU ON AN INDIVIDUAL BASIS THROUGH FINAL AND BINDING ARBITRATION. BY ENTERING THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS AGREEMENT AND HAVE TAKEN TIME TO CONSIDER THE CONSEQUENCES OF THIS IMPORTANT DECISION.
1.4 Amendment of Terms. Cavu may amend the Terms from time to time. Amendments will be effective upon the posting of such updated Terms at this location or in the amended policies or supplemental terms on the applicable Service(s) “Effective Date”). Your continued access or use of the Services after such posting confirms your consent to be bound by the Terms, as amended. If Cavu changes these Terms after the date you first agreed to the Terms (or to any subsequent changes to these Terms), you may reject any such change by providing Cavu written notice of such rejection within 30 days of the date such change became effective, as indicated in the “Effective Date” above. This written notice must be provided either (a) by mail or hand delivery to Cavu Compare, In., at 3500 Kyoto Gardens, Palm Beach Gardens, Florida 33410, or (b) by email from the email address associated with your Account to support@cavu4u.com .In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to these Terms. By rejecting changes, you shall discontinue your use of the Service(s).
1.5 Privacy Policy. Cavu’s collection and use of personal information in connection with the Services is described in Cavu’s Privacy Policy located at https://cavu4u.com/#privacy-policy
2. Arbitration Agreement
2.1 Notice of Arbitration Provision. By agreeing to the Terms, you agree that you are required to resolve any claim that you may have against Cavu on an individual basis in arbitration, as set forth in this Arbitration Agreement. This will preclude you from bringing any class, collective, or representative action against Cavu, and also preclude you from participating in or recovering relief under any current or future class, collective, consolidated, or representative action brought against Cavu by someone else.
2.2 Agreement to Binding Arbitration Between You and Cavu. In the event of any dispute, claim, question, or disagreement arising from or relating to this agreement or the breach thereof, the parties hereto shall use their best efforts to settle the dispute, claim, question, or disagreement. To this effect, they shall consult and negotiate with each other in good faith and, recognizing their mutual interests, attempt to reach a just and equitable solution satisfactory to both parties. If they do not reach such solution within a period of 60 days, then, upon notice by either party to the other, all disputes, claims, questions, or differences shall be finally settled by arbitration administered by the American Arbitration Association in accordance with the provisions of its Commercial Arbitration Rules.
Any dispute or claim arising from or relating in any way to these Terms, and your use of the Services, will be resolved by binding arbitration, rather than in court, except that either party may assert claims in small claims court if the claims qualify. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award, on an individual basis, the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must interpret and apply the terms of these Terms just as a court would. We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial. We also both agree that You or we may bring suit in court to seek injunctive relief for infringement or other threatened or actual violation of intellectual property rights.
2.3 Rules and Governing Law. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA’s Consumer Arbitration Rules, except as modified by this Arbitration Agreement. The AAA Rules are available at www.adr.org/arb_med or by calling the AAA at 1-800-778-7879. The parties agree that the arbitrator (“Arbitrator”), and not any federal, state, or local court or agency, shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The Arbitrator shall also be responsible for determining all threshold issues, including issues relating to whether the Terms are unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel. These Terms shall be governed by, performed within, and interpreted in accordance with the laws of the State of Florida, excluding its choice of law provisions.
2.4 Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a form Demand for Arbitration – Consumer Arbitration Rules at www.adr.org or by calling the AAA at 1-800-778-7879). The Arbitrator will be either (1) a retired judge or (2) an attorney specifically licensed to practice law in the State of Florida and will be selected by the parties from the AAA’s roster of commercial dispute arbitrators. If the parties are unable to agree upon an Arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the Arbitrator in accordance with the AAA Rules. Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules.
2.5 Location and Procedure. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in Miami, Florida, or at another mutually agreed location. Subject to the AAA Rules, the Arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
2.6 Arbitrator’s Decision. The Arbitrator will render an award within the time frame specified in the AAA Rules. Judgment on the arbitration award may be entered in any court having competent jurisdiction to do so. The Arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim. An Arbitrator’s decision shall be final and binding on all parties. An Arbitrator’s decision and judgment thereon shall have no precedential or collateral estoppel effect. The prevailing party in arbitration may be entitled to an award of attorneys’ fees and expenses, to the extent provided under applicable law.
2.7 Changes. Notwithstanding the provisions in Sections 1.4 above, regarding consent to be bound by amendments to these Terms, if Cavu changes this Arbitration Agreement after the date you first agreed to the Terms (or to any subsequent changes to the Terms), you may reject any such change to this Arbitration Agreement by providing Cavu written notice of such rejection within 30 days of the date such change became effective, as indicated in the “Effective Date” above. This written notice must be provided either (a) by mail or hand delivery to Cavu Compare, In., at 3500 Kyoto Gardens, Palm Beach Gardens, Florida 33410, or (b) by email from the email address associated with your Account to support@cavu4u.com. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this Arbitration Agreement. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and Cavu in accordance with the provisions of this Arbitration Agreement as of the later of either (i) the date you first agreed to the Terms (or to any subsequent changes to the Terms) or (ii) the date you agreed to any amendment to the Arbitration Agreement. Your failure to provide such effective notice of rejection within the 30-day period shall be deemed to be an acceptance by you of the change to the Arbitration Agreement.
2.8 Severability and Survival. If any portion of this Arbitration Agreement is found to be unenforceable or unlawful for any reason, (i) the unenforceable or unlawful provision shall be severed from these Terms; (ii) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of the Arbitration Agreement or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to the Arbitration Agreement; and (iii) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration. This provision shall survive the expiration or termination of these Terms.
3. The Services
3.1 Description. The Services comprise applications and related services (each, an “Application”), which enable users to compare and benchmark public sector (state or local government) entity employer demographic data, entity types, active and retired employee counts, insurance premium information, tier structures, costs, services, deductions, contributions, benefit plans, plan types, coverages, funding arrangements, domestic partner covers and benefit amounts data to other employee benefits related data; (ii) create an online community for registered users for the purpose of initiating, conducting and participating in surveys; and, (iii) allows registered users to initiate, conduct and participate in surveys. The Services also include all of the applications accessed via single sign on through the Website, and all related user manuals, help facilities and other documentation.
3.2 License. In order to access the core functionality of the Services, You must be an employee of a public sector entity, register for and maintain an active user Services account (“Account”). You must be at least 16 years of age to obtain an Account. By using the Website and Services and accepting these Terms, You represent and warrant to Cavu that You are authorized to submit for Cavu’s use and publication the Employer Data and all other information provided on behalf of your Public Sector Entity employer. Subject to your compliance with these Terms, Cavu grants you a limited, personal, non-exclusive, non-sublicensable, revocable, non-transferable license to: (i) access and use the Applications on your personal device solely in connection with your use of the Services; and (ii) access and use any content, information and related materials that may be made available through the Services. Any rights not expressly granted herein are reserved by Cavu and Cavu’s licensors.
3.3 Restrictions. You may not: (i) remove any copyright, trademark or other proprietary notices from any portion of the Services; (ii) reproduce, modify, prepare derivative works based upon, distribute, license, lease, sell, resell, transfer, publicly display, publicly perform, transmit, stream, broadcast or otherwise exploit the Services except as expressly permitted by Cavu; (iii) decompile, reverse engineer or disassemble the Services except as may be permitted by applicable law; (iv) link to, mirror or frame any portion of the Services; (v) cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Services or unduly burdening or hindering the operation and/or functionality of any aspect of the Services; (vi) attempt to gain unauthorized access to or impair any aspect of the Services or its related systems or networks; or (vii) use the Services to store or transmit material which is infringing, libelous, defamatory, tortious, unlawful, or violates privacy rights or data security regulations.
3.4 Provision of the Services. You acknowledge that portions of the Services may be made available under Cavu’s various brands or request options associated with employer sponsored insurance benefits programs and the comparison and benchmarking of users’ business and financial data to other collected business and financial data including, the Cavu application and brand currently referred to as “Cavu”. You also acknowledge that the Services may be made available under such brands or request options by or in connection with: (i) certain of Cavu’s subsidiaries and Affiliates.
3.5 Ownership. The Services and all rights therein are and shall remain Cavu’s property or the property of Cavu’s licensors. Neither these Terms nor your use of the Services convey or grant to you any rights: (i) in or related to the Services except for the limited license granted above; or (ii) to use or reference in any manner Cavu’s company names, logos, product and service names, trademarks or services marks or those of Cavu’s licensors.
4. Access and Use of the Services
4.1 User Accounts. In order to use most aspects of the Services, you must register for and maintain an active personal user Services account (“Account”). You must be at least 16 years of age. Account registration requires you to submit to Cavu certain contact information, such as your name, public employer address, public employer phone number and your public employer email address. You agree to maintain accurate, complete, and up-to-date information in your Account. Your failure to maintain accurate, complete, and up-to-date Account information, including having an invalid or expired payment method on file, may result in your inability to access or use some or all of the Services. You are responsible for all activity that occurs under your Account, and you agree to maintain the security and secrecy of your Account username and password at all times. Unless otherwise permitted by Cavu in writing, you may only possess one Account.
4.2 User Requirements and Conduct.
4.2.1 Age Requirements; Other Restrictions. The Service is available for use by a general audience, and is not intended for use by those under the age of 16. You may not assign or otherwise transfer your Account to any other person or entity. You agree to comply with all applicable laws when accessing or using the Services, and you may only access or use the Services for lawful purposes. You may not in your access or use of the Services and Applications cause nuisance, annoyance, inconvenience, or property damage. In certain instances, you may be asked to provide proof of identity to access or use the Services, and you agree that you may be denied access to or use of the Services if you refuse to provide proof of identity.
4.2.2 Interaction with Third Parties Through the Services. You acknowledge and agree that Cavu makes no representations and warranties with respect to the quality, value, or availability of any services or merchandise purchased from third parties through the Services and Applications.
4.3 Text Messages and Telephone Calls. You agree that Cavu may contact you by telephone or text messages (including by an automatic telephone dialing system) at any of the phone numbers provided by you or on your behalf in connection with a Cavu account, including for marketing purposes. You understand that you are not required to provide this consent as a condition of purchasing any property, goods or services. You also understand that you may opt out of receiving text messages from Cavu at any time by contacting support@cavu4u.com. If you do not choose to opt out, Cavu may contact you as outlined in its Privacy Policy, located at www.cav4u.com/#privacy
4.4 Referrals and Promotional Codes. Cavu may, in its sole discretion, create referral and/or promotional codes (“Promo Codes”) that may be redeemed for discounts on future Services and/or a third party’s merchandise or services, or other features or benefits related to or accessed through the Services, subject to any additional terms that Cavu establishes. You agree that Promo Codes: (i) must be used for the intended audience and purpose, and in a lawful manner; (ii) may not be duplicated, sold or transferred in any manner, or made available to the general public (whether posted to a public form or otherwise), unless expressly permitted by Cavu; (iii) may be disabled by Cavu at any time for any reason without liability to Cavu; (iv) may only be used pursuant to the specific terms that Cavu establishes for such Promo Code; (v) are not valid for cash; and (vi) may expire prior to your use. Cavu reserves the right to withhold or deduct credits or other features or benefits obtained through the use of the referral system or Promo Codes by you or any other user in the event that Cavu determines or believes that the use of the referral system or use or redemption of the Promo Code was in error, fraudulent, illegal, or otherwise in violation of Cavu’s Terms.
4.5 User Provided Content. Cavu may, in Cavu’s sole discretion, permit you from time to time to submit, upload, publish or otherwise make available to Cavu through the Services textual, audio, and/or visual content and information, including commentary and feedback related to the Services, initiation of support requests, and submission of entries for competitions and promotions (“User Content”). Any User Content provided by you remains your property. However, by providing User Content to Cavu, you grant Cavu a worldwide, perpetual, irrevocable, transferable, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works of, distribute, publicly display, publicly perform, and otherwise exploit in any manner such User Content in all formats and distribution channels now known or hereafter devised (including in connection with the Services and Cavu’s business and on third-party sites and services), without further notice to or consent from you, and without the requirement of payment to you or any other person or entity.
You represent and warrant that: (i) User Content provided by you will be true, accurate, current, and complete; (ii) you will maintain and promptly update User Content to keep it true, accurate, current, and complete; (iii) User Content is either publicly available or your are authorized to make it public; (iv) you either are the sole and exclusive owner of all User Content or you have all rights, licenses, consents and releases necessary to grant Cavu the license to the User Content as set forth above; (v) neither the User Content, nor your submission, uploading, publishing or otherwise making available of such User Content, nor Cavu’s use of the User Content as permitted herein will infringe, misappropriate or violate a third party’s intellectual property or proprietary rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation; and (vi) the User Content shall not include any advertising or marketing of products or services which are prohibited for use or consumption of those under the age of 21.
You agree to not provide User Content that is defamatory, libelous, hateful, violent, obscene, pornographic, unlawful, or otherwise offensive, as determined by Cavu in its sole discretion, whether or not such material may be protected by law. Cavu may, but shall not be obligated to, review, monitor, or remove User Content, at Cavu’s sole discretion and at any time and for any reason, without notice to you.
If you violate these Terms, representations, and warranties, then in addition to any other remedies Cavu has the right to suspend or terminate your account and refuse any and all current or future use of the Services or any portion thereof.
4.6 Network Access and Devices. You are responsible for obtaining the data network access necessary to use the Services. Your mobile network’s data and messaging rates and fees may apply if you access or use the Services from your device. You are responsible for acquiring and updating compatible hardware or devices necessary to access and use the Services and Applications and any updates thereto. Cavu does not guarantee that the Services, or any portion thereof, will function on any particular hardware or devices. In addition, the Services may be subject to malfunctions and delays inherent in the use of the Internet and electronic communications.
5. Disclaimers; Limitation of Liability; Indemnity.
5.1 DISCLAIMER.
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” CAVU DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, NOT EXPRESSLY SET OUT IN THESE TERMS, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN ADDITION, CAVU MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE REGARDING THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, OR AVAILABILITY OF THE SERVICES AND APPLICATION OR ANY SERVICES OR GOODS REQUESTED THROUGH THE USE OF THE SERVICES AND APPLICATIONS, OR THAT THE SERVICES AND APPLICATIONS WILL BE UNINTERRUPTED OR ERROR-FREE. CAVU DOES NOT GUARANTEE THE QUALITY, SUITABILITY, SAFETY OR ABILITY OF THIRD PARTY PROVIDERS. FURTHER, CAVU MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE REGARDING PAYMENT FOR ANY SERVICES OR GOODS REQUESTED THROUGH USE OF THE SERVICES AND APPLICATIONS. YOU AGREE THAT THE ENTIRE RISK ARISING OUT OF YOUR USE OF THE SERVICES, AND ANY SERVICE OR GOOD REQUESTED IN CONNECTION THEREWITH, REMAINS SOLELY WITH YOU, TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW.
5.2 LIMITATION OF LIABILITY.
CAVU SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, PERSONAL INJURY, OR PROPERTY DAMAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE SERVICES, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF CAVU, EVEN IF CAVU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
CAVU SHALL NOT BE LIABLE FOR ANY DAMAGES, LIABILITY OR LOSSES ARISING OUT OF: (i) YOUR USE OF OR RELIANCE ON THE SERVICES AND APPLICATIONS OR YOUR INABILITY TO ACCESS OR USE THE SERVICES AND APPLICATIONS; OR (ii) ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND ANY THIRD-PARTY PROVIDER, INCLUDING BUT NOT LIMITED TO THIRD PARTY PROVIDERS, EVEN IF CAVU HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. CAVU SHALL NOT BE LIABLE FOR DELAY OR FAILURE IN PERFORMANCE RESULTING FROM CAUSES BEYOND CAVU’S REASONABLE CONTROL.
THE SERVICES AND APPLICATIONS MAY BE USED BY YOU TO REQUEST AND SCHEDULE SERVICES AND GOODS PROVIDED BY THIRD PARTY PROVIDERS, BUT YOU AGREE THAT CAVU HAS NO RESPONSIBILITY OR LIABILITY TO YOU RELATED TO ANY OF THE FOREGOING SERVICES PROVIDED TO YOU BY THIRD PARTY PROVIDERS OTHER THAN AS EXPRESSLY SET FORTH IN THESE TERMS.
THE LIMITATIONS AND DISCLAIMERS IN THIS SECTION DO NOT PURPORT TO LIMIT LIABILITY OR ALTER YOUR RIGHTS THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, CAVU’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. THIS PROVISION SHALL HAVE NO EFFECT ON CAVU’S CHOICE OF LAW PROVISION SET FORTH BELOW.
5.3 Independent Contractors.
You agree that the parties to this Agreement are independent contractors. Accordingly, each party is solely responsible for its own actions and those of its affiliates, officers, directors, employees, contractors, agents, advisors, representatives, and other such persons (altogether, “Representatives”). Neither party nor any of its Representatives accepts or shall be liable to any person for any claim, demand, loss, liability, or expense arising out of or in connection with an act or omission of the other party or its Representatives.
5.4 Basis of the Bargain; Failure of Essential Purpose.
You and Cavu acknowledge that Cavu has set its prices and entered into this Agreement in reliance upon the limitations of liability, the disclaimers of warranties and damages provisions set forth herein, and that the same form an essential basis of the bargain between You and Cavu. You and Cavu agree that the limitations and exclusions of liability and disclaimers specified in this Agreement will survive and apply even if any limited remedy is found to have failed of its essential purpose.
6. Other Provisions
6.1 Choice of Law.
These Terms are governed by, performed within, and construed in accordance with the laws of the State of Florida, U.S.A., without giving effect to any conflict of law principles, except as may be otherwise provided in the Arbitration Agreement above.
6.2 Claims of Copyright Infringement.
Claims of copyright infringement should be sent to Cavu’s designated agent. Please visit Cavu’s web page at www.cavu4u.com for the designated address and additional information.
6.3 Notice.
Cavu may give notice by means of a general notice on the Services, electronic mail to your email address in your Account, telephone or text message to any phone number provided in connection with your account, or by written communication sent by first class mail or pre-paid post to any address connected with your Account. Such notice shall be deemed to have been given upon the expiration of 48 hours after mailing or posting (if sent by first class mail or pre-paid post) or 12 hours after sending (if sent by email or telephone). You may give notice to Cavu, with such notice deemed given when received by Cavu, at any time by first class mail or pre-paid post to Cavu Compare, In., at 3500 Kyoto Gardens, Palm Beach Gardens, Florida 33410.
6.4 Entire Agreement. These Terms, inclusive of any amendments or additions thereto, constitutes the entire agreement and sets forth the entire understanding between the parties hereto with respect to the subject matter hereof and supersedes all prior agreements, covenants, arrangements and discussions with respect thereto.
6.5 Severability. If any provision of these Terms is held to be unenforceable or illegal by a court of competent jurisdiction, such provision shall be modified to the extent necessary to render it enforceable, or shall be severed from these Terms, and all other provisions of these Terms shall remain in full force and effect.
6.6 General.
You may not assign these Terms without Cavu’s prior written approval. Cavu may assign these Terms without your consent to: (i) a subsidiary or affiliate; (ii) an acquirer of Cavu’s equity, business or assets; or (iii) a successor by merger. Any purported assignment in violation of this section shall be void. No joint venture, partnership, employment, or agency relationship exists between you, Cavu or any third party provider as a result of this Agreement or use of the Services. If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced to the fullest extent under law. Cavu’s failure to enforce any right or provision in these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by Cavu in writing. This provision shall not affect the Severability and Survivability section of the Arbitration Agreement of these Terms.
Rev. 211015
BENTEK, INC. PRIVACY POLICY
This statement of the privacy policy (“Privacy Policy”) of Bentek, Inc., a Florida corporation (“Bentek”) is intended to provide you the user (“You”) of the Bentek website located at www.cavu4u.com (“Website”), applications, content, products, and services (collectively, with the Websites the “Services,”) the following information:
“Personal Data” is personal identifiable information which may be used to identify or contact an individual and which use by Bentek is not exempt from regulation under applicable privacy laws.
Bentek does not collect Personal Data. The data collected by Bentek is not collected from individual consumers as we do not offer consumer goods and services through the Services and Website. Also, the “Employer Data” (as that term is defined below) we collect is publicly available from the Public Sector Entities, including your name and employer email address.
The products and services offered through the Website and Services are not intended and should not be used for individual consumer personal use and are only offered to federal, state, and local government entities (“Public Sector Entities”) within the United States of America, its territories and possessions. The Websites and Services are therefore only offered and intended to be accessed and used by such entities. If you are a not such an entity, you should not access or use the Website and Services.
Bentek is the sole owner of the information collected on the Services. The Services include the Website, portal and applications accessible through www.cavu4u.com which (i) enables users to compare and benchmark Public Sector Entities employer demographic data, entity types, active and retired employee counts, insurance premium information, tier structures, costs, services, deductions, contributions, benefit plans, plan types, coverages, funding arrangements, domestic partner coverage and benefit amounts data to other collected employee benefits related data (collectively, “Employer Data”); (ii) creates an online community for registered users for the purpose of initiating, conducting and participating in surveys; and, (iii) allows registered users to initiate, conduct and participate in surveys. The Services also include all of the applications accessed via single sign on through the Website, and all related user manuals, help facilities and other documentation.
In order to access the core functionality of the Services, You must be an employee of a Public Sector Entity, register for and maintain an active user Services account (“Account”). You must be at least 16 years of age to obtain an Account. By using the Website and Services and accepting this Privacy Policy and Terms of Use, You confirm to Bentek that You are authorized to submit the Employer Data on behalf of your Public Sector Entity employer.
Bentek collects certain information from our users at several different points on our Services, such as your name, email address, telephone number, employer name, number of employees, EIN, entity type, address, employee benefit package plan year date and other plan information, the Insurers (defined as the third parties insurance companies who provide insurance benefits to our users through their Sponsors (defined as the employers who provide insurance benefits to their employees. If you choose to provide a referral, we will collect and use the information as described below in Section G (Invite A Friend). We may share and otherwise exchange Employer Data and the information collected as described above with Insurers, Sponsors, and other users.
In order to communicate with Bentek through the Services (e.g., through use of the “Contact” or “Send Us a Message” links) concerning Bentek’s Services, a user must first provide contact information (such as name and email address). This information is used to contact the user about the products and services for which they have expressed interest.
We will share aggregated demographic information with our partners and affiliated websites. This is linked only to Public Sector Entity contact information. We may also share, exchange, purchase, or sell Employer Data with Insurers and Sponsors. These Insurers and Sponsors may use this information for marketing purposes.
We retain Employer Data for so long as is reasonably required to fulfill the purposes for which such data was collected and to perform our obligations associated with that data.
We exercise reasonable precautions to protect your Employer Data and when required or appropriate, we obtain written assurances from our third party technology providers that they also implement reasonable safeguards to protect your Employer Data.
We take reasonable precautions to protect our users’ information. When users submit sensitive information via our Websites, your information is protected both online and off-line.
When our registration/order form asks users to enter sensitive information, that information is encrypted and is protected with the industry standard Secure Socket Layer (SSL) encryption software. While on a secure page, such as our order form, the lock icon in the address window of most Web browsers appears locked, as opposed to un-locked, or open, when You are visiting an unsecured web page. To learn more about SSL, follow this link https://en.wikipedia.org/wiki/Transport_Layer_Security.
If You have any questions about the security of our Services, You can send an email to privacy@cavu4u.com.
In order for the Services to properly function, it may be necessary for us to supplement the information we receive with information from 3rd party sources. We may also group this information into aggregate user data in order to describe the use of the Services to our affiliates, existing or potential business partners or other third parties, or in response to a government request. However, please be assured that this aggregate data will in no way personally identify You or any other users of the Services.
We send all new users a welcoming email to verify password and username. Established users may occasionally receive information on products, services, special deals, and a newsletter. Out of respect for the privacy of our users, we present the option to not receive these types of communications. Please see our choice and opt-out section below.
If a user elects to use our referral service for informing a friend or colleague employed by a Public Sector Entity about our site, we ask them for the friend’s name and Public Sector Entity email address. Bentek will automatically send the friend a one-time email inviting them to visit the site.
If we decide to change our privacy policy, we will post those changes on our Websites so our users are always aware of what information we collect, how we use it, and under which circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an update to this Privacy Policy. This Privacy Policy may be revised from time to time by Bentek. The revised Privacy Policy will be posted by Bentek on the Websites as it becomes available. Please review the Privacy Policy periodically as it is applicable to all users of the Services. You hereby agree to review at first opportunity any modification or revision to the Privacy Policy and You further agree to be bound by any modification or revision of the Privacy Policy made by Bentek. We will use information in accordance with the privacy policy under which the information was collected.
Rev. 191025
Thank You for your interest! This feature is currently in development, but is scheduled to become available very soon! Please contact us for any further questions at support@cavu4u.com
