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Text Message Policy

Consent: By providing your mobile telephone number(s) to C & M Associates Group, Inc. (CMAGI) you opt-in and agree that CMAGI may communicate with you at such number(s) through SMS text messages, including by messages generated by an automatic telephone dialing system, even if the mobile telephone number(s) is listed on any federal or state do-not-call list. By providing your mobile telephone number(s), you represent and warrant that you are the subscriber for the telephone number(s) provided and you possess the phone(s) associated with such numbers.

Content: SMS text messages sent by CMAGI will be used to communicate with you regarding your past due account, notices regarding late payments or payment reminders and general customer service. The messages will not contain marketing, advertising, or promotional content.

Frequency: Text message frequency varies by account and preference.

Charges: CMAGI does not charge you for sending or receiving SMS text messages, but standard carrier message and data rates may apply. Please check your mobile service carrier's pricing plan to determine the charges associated with sending and receiving text messages.

Opt-out: To opt-out, text the word STOP . If you do so, you will receive a confirmation message and no further text messages unless you re-subscribe.

Help: To request support, text the word HELP or e-mail us at adam.goldberg@cmassociatesinc.com

Coverage and Reliability: CMAGI's text messaging may not be available on all wireless carriers. Mobile access and text message delivery is subject to your mobile carrier's network availability and such access and delivery is not guaranteed. CMAGI is not responsible or liable for delayed or undelivered messages.

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Privacy Notice

This Privacy Policy governs the manner in which C & M Associates Group, Inc. collects, uses, maintains and discloses information collected from its customers and users of this website (each, a "User").

Privacy
Users' privacy is very important to C & M Associates Group, Inc., which is committed to safeguarding the information users entrust to C & M Associates Group, Inc. This website is not directed at users under 18 years of age.

The Information We Collect
C & M Associates Group, Inc. may collect various types of personally-identifiable information including name, user name, address, telephone number, credit card number or other billing information, e-mail address, and other information that, either alone or in combination with other kinds of information, may personally identify users. C & M Associates Group, Inc. may collect personally identifiable information from users in a variety of ways, including through online forms for ordering products and services, and other instances where users are invited to volunteer such information. C & M Associates Group, Inc. may also collect information about how users use our website, for example, by tracking the number of unique views received by the pages of the website or the domains from which users originate. We may use "cookies" to track how users use our website. A cookie is a piece of software that a web server can store on the users' PC and use to identify the user should they visit the website again. While not all of the information that we collect from users is personally identifiable, it may be associated with personally identifiable information that users provide us through our website.

How We Use Information
C & M Associates Group, Inc. may use personally identifiable information collected through our website to contact users regarding products and services offered by C & M Associates Group, Inc. and its trusted affiliates, independent contractors and business partners, and otherwise to enhance users' experience with C & M Associates Group, Inc. and such affiliates, independent contractors and business partners. C & M Associates Group, Inc. may also use information collected through our website for research regarding the effectiveness of the website and the marketing, advertising and sales efforts of C & M Associates Group, Inc., its trusted affiliates, independent contractors and business partners.

Disclosure of Information
C & M Associates Group, Inc. may disclose information collected from users to trusted affiliates, independent contractors and business partners who will use the information for the purposes outlined above. We may also disclose aggregate, anonymous data based on information collected from users to investors and potential partners. Finally, we may transfer information collected from users in connection with a sale of C & M Associates Group, Inc.'s business.

Maintenance of Information
Information about users that is maintained on our systems is protected using industry standard security measures. However, we cannot guarantee that the information submitted to, maintained on, or transmitted from our systems will be completely secure.

Questions
Users may direct questions concerning this Privacy Policy by email to adam.goldberg@cmassociatesinc.com. C & M Associates Group, Inc. may modify this privacy policy at any time without prior notice to C & M Associates Group, Inc.'s customers or the public. Persons wishing to remain appraised of C & M Associates Group, Inc.'s privacy policy should check this page for occasional updates. Users may elect not to receive solicitations from C & M Associates Group, Inc. or from trusted affiliates, independent contractors and business partners by e-mailing adam.goldberg@cmassociatesinc.com and requesting to "opt-out".

Last Updated: November 1st, 2016

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Terms Of Use

Terms & Conditions Governing Your Use of This Website

Last Updated - November 1st, 2016

PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE.
BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT.

Important Notices. C & M Associates Group, Inc. provides this website and website-related services, if any, (collectively, the "Site") subject to your compliance with the terms and conditions set forth in this agreement (the "Agreement"). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. If you do not agree to these terms and conditions, you must not use the Site. As used in these Terms & Conditions, "us" or "we" refers to "C & M Associates Group, Inc." and its affiliates.
Modifications. This Agreement may be modified at any time by C & M Associates Group, Inc. upon posting of the modified Agreement. Any such modifications shall be effective immediately. You will be able to determine if this Agreement has been changed since your previous visit by viewing the "Last Updated" information that appears at the top of this Agreement. Each use by you shall constitute and be deemed your unconditional acceptance of this Agreement. Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).
Materials. We make available the information and materials on the Site (the "Materials") for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.
Rules of Conduct. You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:
- Use the Site for any fraudulent or unlawful purpose.
- Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
- Interfere with or disrupt the operation of the Site.
- Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
- Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
- Interfere with or violate any other Site visitor's or user's right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
- Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
- Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
- Frame or mirror all or any part of the Site without our prior express written authorization.
Ownership & Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of C & M Associates Group, Inc. and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use. All content included in or made available through this website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software is the property of C & M Associates Group, Inc., affiliates or its licensors and protected by United States and international copyright laws. The trade names, trademarks and service marks owned by C & M Associates Group, Inc. or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate's product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of C & M Associates Group, Inc.'s (or its affiliates') trade names, trademarks or service marks without our (or the relevant affiliate's) prior express written permission.
Indemnification. You agree to indemnify, defend and hold C & M Associates Group, Inc. and our partners, subsidiaries, employees, agents and affiliates, harmless from any liability, loss, claim and expense, including reasonable attorney's fees, related to your violation of this Agreement or use of the Site.
Limitation of Liability. UNDER NO CIRCUMSTANCES WILL C & M Associates Group, Inc. BE LIABLE OR RESPONSIBLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING DAMAGES FROM LOSS OF BUSINESS, LOST PROFITS, LITIGATION, OR THE LIKE), SPECIAL, EXEMPLARY, PUNITIVE, OR OTHER DAMAGES, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN ANY WAY RELATING TO THE SITE, YOUR SITE USE, OR THE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR CONTENT IS TO CEASE ALL OF YOUR SITE USE. You may have additional rights under certain laws (including consumer laws) which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in this Agreement that directly conflict with such laws may not apply to you.
Use of Applicable Law. You agree that the laws of the state of Illinois without regard to conflicts of laws provisions will govern these Terms and Condition of Use and any dispute that may arise between you and C & M Associates Group, Inc. or its affiliates. Information.
Severability. If any provision of this Agreement shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect.
The failure of C & M Associates Group, Inc. to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision. Any waiver of this Agreement by C & M Associates Group, Inc. must be in writing and signed by an authorized representative of C & M Associates Group, Inc..
C & M Associates Group, Inc. may terminate this Agreement at any time, with or without notice, for any reason.
Contact Information. If you have any questions about this Agreement, please contact us at adam.goldberg@cmassociatesinc.com
Text Message Policy.
Consent: By providing your mobile telephone number(s) to C & M Associates Group, Inc. you opt-in and agree that C & M Associates Group, Inc. may communicate with you at such number(s) through SMS text messages, including by messages generated by an automatic telephone dialing system, even if the mobile telephone number(s) is listed on any federal or state do-not-call list. By providing your mobile telephone number(s), you represent and warrant that you are the subscriber for the telephone number(s) provided and you possess the phone(s) associated with such numbers.
Content: SMS text messages sent by C & M Associates Group, Inc. will be used to communicate with you regarding your past due account, notices regarding late payments or payment reminders and general customer service. The messages will not contain marketing, advertising, or promotional content.
Frequency: Text message frequency varies by account and preference.
Charges: C & M Associates Group, Inc. does not charge you for sending or receiving SMS text messages, but standard carrier message and data rates may apply. Please check your mobile service carrier's pricing plan to determine the charges associated with sending and receiving text messages.
Opt-out: To opt-out, text the word STOP. If you do so, you will receive a confirmation message and no further text messages unless you re-subscribe.
Help: To request support, text the word HELP or e-mail us at adam.goldberg@cmassociatesinc.com
Coverage and Reliability: C & M Associates Group, Inc.'s text messaging may not be available on all wireless carriers. Mobile access and text message delivery is subject to your mobile carrier's network availability and such access and delivery is not guaranteed. C & M Associates Group, Inc. is not responsible or liable for delayed or undelivered messages.

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