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PRIVACY POLICY

Your privacy is important to DRB Capital, LLC and its affiliated companies (hereinafter collectively referred to as “we,” “us,” “our” or “DRB Capital”). Because your privacy is our concern, we have developed this Privacy Policy to inform you about DRB Capital’s privacy practices. This Privacy Policy covers how we collect, use, disclose, transfer, and store your information. The examples in this Privacy Policy are illustrative only and are not intended to be exhaustive.

INFORMATION COLLECTED

We use the term “Personal Information” to mean any information that could reasonably be used to identify you, including your name, address, telephone number(s), driver’s license number, occupation, date of birth, social security number, personal or business tax identification numbers, insurance or annuity policy information, legal information (such as judgment, liens, bankruptcies, etc.), credit history, reports from the National Association of Settlement Purchasers; and medical information (such as your health status and treatment history). The information we obtain depends on the context of your interactions with us. We may obtain such information directly from you on our website (the “Site”) or by telephone, and/or from applications, contracts, documents and forms you complete or sign. We may obtain additional information about you or, with your authorization, about others who may have an interest in your insurance or annuity policy, from your insurance or annuity company, insurance producer, health care providers, creditors, credit reporting agencies, and from your representatives or advisors. We may also obtain information about you from public records and, with your authorization, from other persons.

We use the term “Anonymous Information” to mean any information that does not identify you, and may include, for example, aggregated demographic information and statistical information concerning how you and other visitors use our website (the “Site”).

USE OF PERSONAL INFORMATION

We use the Personal Information you provide for purposes of the transactions or information that you request. As permitted by law, or as authorized by you, we may share your Personal Information with affiliated and non-affiliated companies that provide services related to information or transactions you request, and under the following additional circumstances: (i) for us to establish or exercise our legal rights or to defend against legal claims; (ii) in connection with a proposed or actual sale, merger, transfer, exchange or consolidation of DRB Capital, an affiliated company or any portion thereof; (iii) to secure or obtain services and/or advice from our attorneys, accountants, advisors and auditors; and (iv) to permit our affiliates to contact you about products or services. We may also disclose your Personal Information to others for other purposes, with your authorization or otherwise as required or permitted by law.

Maintaining the accuracy of your information is a shared responsibility. We maintain the integrity of the information you provide us and will update your records when you notify us of a change. Please contact us at the address or phone number listed below when information concerning you changes.

USE OF ANONYMOUS INFORMATION

We may share Anonymous Information with our partners and resources.

FORMER CUSTOMERS OR INQUIRIES

We treat information obtained from past contacts and inquiries in the same manner we treat information that we obtain through current or future contacts or inquiries.

CONFIDENTIALITY AND SECURITY

We restrict access to your Personal Information to our employees who need this information in connection with your current or future transaction(s) or to provide you information that you may request from us. We maintain electronic, procedural, and physical safeguards to guard your nonpublic information. We take precautions to protect your information, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While the computers/servers in which we store your Personal Information are kept in a secure environment, we cannot guarantee absolute security.

UPDATES TO OUR PRIVACY POLICY

We reserve the right to change this privacy policy at any time. If our information practices change, we will post the changed policy to our website. These privacy principles do not constitute a contract, create legal rights, or supersede any preexisting agreements with clients.

“COOKIES”

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve your access to our site and identify repeat visitors to our site. For instance, when we use a cookie to identify you, you would not have to log in a password more than once, thereby saving time while on our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is in no way linked to any personally identifiable information on our site.

LINKING

Our Site may contain links to other affiliated websites. Because we do not control the content of websites linking to or from our Site, we are not responsible nor can we make representations regarding the content of those websites or their individual privacy policies. We encourage you to read the privacy policies of any website that links to or from our Site that collects personally identifiable information.

*NOTICE TO CALIFORNIA RESIDENTS

DRB Capital collects information that you provide to us or that we learn about you, as described in this Privacy Policy. California residents who interact with DRB Capital may request certain information.

    • You can ask us what personal information we have about you, including a list of categories of your personal information that we have sold and a list of categories of your personal information that we have shared with another company for a business purpose.

If you make this request, we will return to you (to the extent required by law):

    • The categories of personal information we have collected about you.
    • The categories of sources from which we collect your personal information.
    • The business or commercial purpose for collecting or selling your personal information.
    • The categories of third parties with whom we share personal information.
    • The specific pieces of personal information we have collected about you.
    • A list of categories of personal information that we have sold, along with the category of any other company we sold it to. Any of the categories of personal information that we collect could be included in a sale to other companies, including those within our corporate family. If we have not sold your personal information, we will inform you of that fact.
    • A list of categories of personal information that we have disclosed for a business purpose, along with the category of any other company we shared it with.
  • You can ask us to provide you with this information within a twelve-month period. When you make this request, the information provided may be limited to personal information we collected about you in the previous 12 months.
  • You can ask us to delete your personal information. Once we receive a request, we will delete from our records (to the extent required by law) the personal information we hold about you, as of the date of your request, and direct any service providers to do the same.
  • You have the right to ask that we stop selling your personal information. We do not sell your personal information to third parties for monetary consideration. However, under some circumstances a transfer of personal information to a third party, or within our affiliates and subsidiaries, may be considered a “sale” under California law. If you submit a request to stop selling your personal information, we will stop making such transfers.
  • We have a nondiscrimination policy. DRB Capital will not discriminate against you for exercising your rights. This generally means we will not deny doing business with you or offer you a different purchase price or rates.

To exercise the California privacy rights to request or delete information as described above, please email info@DRBmail.com or call (800) 717-1000. You may also write to our legal department with any questions or comments about this Policy or about how we handle your personal information at:

Legal – Privacy Policy
1625 S. Congress Avenue, Suite 200A
Delray Beach, FL 33445

Date Policy last updated: June 2020

*NOTICE TO NEVADA RESIDENTS

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by contacting us. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number- 702.486.3132; email: BCPINFO@ag.state.nv.us.

*NOTICE TO VERMONT RESIDENTS

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies that are not affiliated to us for the purpose of direct marketing, except with your consent or as permitted by law, such as is necessary to service, audit or fund your transactions. We might share your name and contact information with third parties that assist us in our direct marketing efforts.

*NOTICE TO RESIDENTS OF THE EUROPEAN UNION AND THE UNITED KINGDOM

At this time, DRB Capital does not conduct business with residents of the European Union or the United Kingdom (collectively, the “EU/UK”) and, therefore, does not intend to collect Personal Information of residents of the EU/UK. If you are a resident of the EU/UK, DO NOT USE THE SITE. In the event DRB Capital inadvertently collects and/or processes Personal Information of EU/UK residents, please note that DRB Capital processes Personal Information both as a Processor and as a Controller, as those terms apply under the General Data Protective Regulation of the EU and the United Kingdom General Data Protection Regulation (collectively, the “GDPR”). If you are a resident of the EU/UK and we have inadvertently collected your Personal Information, you have the right to access the information we have on you, and to ask that we correct or delete the data. If requested by you, we will send you a copy of your Personal Information electronically. IF YOU DO NOT AGREE TO THE USE OF COOKIES, PLEASE CONTACT US. This notice, as amended, is effective June 15, 2020.

CONTACT INFORMATION

If you have any questions concerning our Privacy Policy please call 1-800-717-1000 or write to us at:

DRB Capital
1625 S. Congress Avenue, Suite 200A
Delray Beach, FL 33445

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MOBILE SERVICE PROGRAM TERMS AND CONDITIONS

MOBILE SERVICE PROGRAM

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you agree and consent to the receipt of offers and adverting communications from DRB Capital, including the receipt of calls and text messages to your mobile number, some of which may be generated by an auto dialer. You understand that such consent is not a condition to make a sale or purchase of any goods or services. To opt out from receiving such communications, you may email us at info@drbmail.com, call (800) 717-1000 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445.

PROGRAM DESCRIPTION

DRB Capital is proud to offer mobile text alerts, to send you offers, requests, and information regarding your options to obtain liquidity from DRB Capital. Through DRB Capital’s Mobile Service Program, all mobile subscribers may opt-in to receive the text alerts through SMS messages straight to the subscriber’s phone. No purchase or sale is required as a condition to participate in the program.

CARRIERS SUPPORTED

This service is available for phones with text messaging capabilities, and subscribers on AT&T, Verizon Wireless, T-Mobile®, Sprint, Virgin Mobile USA, Cincinnati Bell, Centennial Wireless, Unicel, U.S. Cellular®, and Boost.

COST

There are no premium charges associated with this Mobile Service; however message and data rates may apply.

OPT-IN

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you opt-in to receive messages and alerts from DRB Capital.

HOW TO OPT-OUT OF OUR MOBILE SERVICE PROGRAM

To opt-out of the Mobile Service Program, and request to stop receiving such text communications, you may email us at info@drbmail.com, call (800) 717-1000 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445.

SUPPORT / HELP

For support or information about our Mobile Service Program, text HELP at any time to 99000. You can also email us at info@drbmail.com or call (800)717-1000.

PRIVACY POLICY

Click here to read our privacy policy.

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TERMS OF USE

Welcome to the DRB Capital’s website (the “Site”). To assist you in using the Site, and to ensure a clear understanding of the relationship arising from your use of our Site and the Services DRB Capital, LLC may offer through our Site, we have created (i) these Terms and Conditions of Use (the “Terms”) and (ii) a Privacy Policy. Our Privacy Policy explains how we treat information you provide to us through the Site, and our Terms govern your use of our Site. The following Terms apply to all of our sites, including sites owned, operated or sponsored by any of our affiliated companies (collectively referred to as “we”, “us” or “DRB Capital”).

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE YOU ACCESS OR USE THE SITE. BY ACCESSING OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, PLEASE DO NOT ACCESS OUR SITE.

AGREEMENT

Please review these Site Terms of Use (“Terms”) carefully, as they impose legal obligations on your use of the Site relative to our products, programs, and services (“Services”) and establish our legal relationship. These Terms are subject to change in our sole discretion. If DRB Capital revises these Terms, we will update this Site with the revised Terms. By using this Site, you agree to be bound by the Terms and any revisions that are posted. You agree that in the event any portion of these Terms are found to be unenforceable, the remainder of the Terms shall remain in full force and effect.

No agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship is intended or created by your use of this Site. These Terms supersede any prior agreements between you and DRB Capital.

The laws of the State of Florida will govern the Content and materials contained in this Site, without giving effect to any principles of conflicts of laws. By accessing this site, you agree to the jurisdiction of the state or federal courts sitting in the State of Florida.

The following provisions shall survive the termination of these Terms and shall apply indefinitely: Ownership and Reservation of Rights, Disclaimers and Indemnification/Limitation of Liability.

OWNERSHIP AND RESERVATION OF RIGHTS

The information contained in this Site including all images, illustrations, designs, photographs, videoclips, writings and other materials (collectively referred to as “Content”) that appear herein are copyrights, trademarks, trade dress or other intellectual property owned by, controlled by, or licensed to DRB Capital. The name “DRB Capital” and names of our affiliated companies as well as their respective logos are the property of DRB Capital or its licensor(s) and may not be used in any way, including in advertising or publicity without our prior written permission. DRB Capital retains all rights with respect to the Site except those expressly granted to you below.

GRANT OF RIGHTS AND USE RESTRICTIONS

Provided you comply with these Terms, we grant you the right to access the Site for purposes of learning more about the Services and exchanging information in accordance with the functionalities provided by the Site (collectively, the “Permitted Purposes”). We also grant you the right to print a copy of the information contained herein for your personal use only, provided that you use such copy only for Permitted Purposes and that you retain any copyright or other proprietary notices as they appear on the Site. Apart from these express rights to use the Site and print out Site content for Permitted Purposes, you may not copy, reproduce, distribute, republish, download, display, post electronically or mechanically, transmit, record, in any manner mirror, photocopy, or reproduce the same without the prior written permission of DRB Capital.

We reserve the right at any time to terminate or suspend your right to access some or all of the Site if you engage in activities that we conclude, in our discretion, breach these terms or our Code of Conduct below.

DISCLAIMERS

DRB Capital does not provide professional financial or legal advice and the Site is not intended as a substitute for professional financial or legal advice. Persons accessing this information assume full responsibility for the use of the information and understand and agree that DRB Capital is not responsible or liable for any claim, loss or damage arising from the use of the information.

All content provided on the section “Recent Posts” is for informational purposes only. DRB Capital makes no representations as to the accuracy, completeness, currentness, suitability, or validity of such content and will not be liable for any errors, omissions, or delays in this information or any losses, injuries, or damages arising from its display or use.

DRB CAPITAL IS PROVIDING THIS SITE AND ITS CONTENTS ON AN “AS IS” BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OR CONDITIONS OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ALTHOUGH DRB CAPITAL BELIEVES THE CONTENT TO BE ACCURATE, COMPLETE, AND CURRENT, DRB CAPITAL DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ACCESSIBLE ON THIS SITE IS ACCURATE, COMPLETE, OR CURRENT.

INDEMNIFICATION/ LIMITATION OF LIABILITY

You will indemnify and hold harmless DRB Capital and its subsidiaries, affiliates, officers, directors, owners, shareholders, employees, agents, printers, contractors, vendors, co-branders, suppliers, internet service providers, and partners from any loss, cost, claim, demand or other harm of any kind, including reasonable attorneys’ fees, due to or arising out of your unauthorized use of this Site or any violation by you of any laws or your violation of any rights of another person.

IN NO EVENT SHALL DRB CAPITAL BE LIABLE FOR SPECIAL, INDIRECT, EXEMPLARY, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, LOSS OF USE, DATA, OR PROFITS, WITHOUT REGARD TO THE FORM OF ANY ACTION, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTIONS, ALL ARISING OUT OF OR IN CONNECTION WITH THE USE, COPYING, OR DISPLAY OF THE CONTENTS OF THIS SITE.

CODE OF CONDUCT

As a condition to your use of the Site, you agree to follow our Code of Conduct set out below. Under this Code, you will not:

  • Use the Website in a manner that could disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site.
  • Seek to obtain access to any materials or information through “hacking” or through any other means that we have not intentionally made available to you through the Site.
  • Submit material that is intentionally false, defamatory, unlawfully threatening, illegal, or unlawfully harassing.
  • Transmit materials through the Site that you know or should know contain viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information.
  • Infringe any third party’s copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy. Electronic materials – such as music, videos, games, images, and text in electronic form — can easily be copied, modified and sent over networks (such as the internet). These electronic materials are thus extremely vulnerable to unauthorized distribution and copyright infringement. These materials may not be transmitted over the Website without the copyright owner’s permission, or without a legitimate “fair use” justification for the transmittal.

USER COMMENTS, FEEDBACK, AND OTHER INFORMATION SUBMISSIONS PROVIDED BY YOU

You agree that any comments, feedback or other information that you transmit to DRB Capital about this Site (“Transmissions”) shall be and remain DRB Capital’s property. Except as provided in our Privacy Policy, all Transmissions will be treated as non-confidential and non-proprietary and DRB Capital shall be under no obligation of any kind with respect to such information and shall be free to reproduce, use, disclose, and distribute the Transmissions to others without limitation. Additionally, DRB Capital shall be free to use any ideas, concepts, know-how, or techniques contained in such information for any purpose whatsoever including, but not limited to, developing, manufacturing, or marketing products incorporating such information.

In addition, you agree, and are hereby put on notice, that you are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, inflammatory, pornographic, or profane material or any other material that could give rise to any civil or criminal liability under law. You are solely responsible for the content of any comments you make.

LINKS TO THIRD PARTY SITES OR CONTENT

The Site may contain links that reference links to third party websites (collectively “Linked Sites”). Links to third party content or sites are provided for your convenience and information only. We have no control over these Linked Sites or their content and does not assume responsibility or liability for any content, opinions, or materials available on Linked Sites. We do not endorse the content of any Linked Site, nor do we warrant that a Linked Site will be free of computer viruses or other harmful code that can impact your computer or other web-access device. By using the Site to search for or link to another site, you agree and understand that such use is at your own risk.

PRIVACY/TREATMENT OF INFORMATION OR DATA TRANSMITTED TO US

Personal information transmitted to us will be treated in accordance with our Privacy Policy.

ALL PRODUCTS, PROGRAMS AND SERVICES MAY NOT BE AVAILABLE IN YOUR AREA

This Site is controlled by us from our offices within the United States. If you choose to access this Site from other jurisdictions, you do so at your own risk as you are always responsible for your compliance with applicable laws. You may not use or export the materials in this Site.

DRB Capital is not authorized or licensed to do business in every jurisdiction. As such, the Services published on this Site may not be available in your state or country. Also, these Services are only available to individuals who are of legal age and residents of the United States. At our sole discretion, we may refuse any or all of our Services to anyone at any time.

MOBILE SERVICE PROGRAM

By providing DRB Capital with your contact information and mobile number through the Site or by phone, you agree and consent to the receipt of offers and adverting communications from DRB Capital, including the receipt of calls and text messages to your mobile number, some of which may be generated by an auto dialer. You understand that such consent is not a condition to make a sale or purchase of any goods or services. To opt out from receiving such communications, you may email us at info@drbmail.com, call (800) 717-1000 or write to us at DRB Capital, 1625 S Congress Ave, Suite 200A, Delray Beach, FL 33445. Visit Mobile Terms & Conditions for the full terms and conditions of the program.

ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

You agree that any and all controversies, claims, disputes, rights, interests, suits or causes of action between DRB Capital and you, or arising out of or relating to these Terms or the formation, validity and/or enforceability of this agreement to arbitrate (each, a “Arbitrable Claim”), as well as the question of arbitrability of any such Arbitrable Claim, shall be settled by binding arbitration before the American Arbitration Association (the “AAA”). Notwithstanding, you have the option to pursue an Arbitrable Claim in a court of law, but only if you opt-out of this arbitration provision in writing sent to DRB Capital via USPS Certified Mail, Return Receipt Requested, within 30 days of accessing the Site. Any opt-out request received after the 30-day period will not be valid. The arbitration will be held before a single arbitrator, subject to the Commercial Rules of the AAA. The arbitrator shall be appointed (i) by agreement between the parties, (ii) by one party, if the other party fails to respond within 30 days to a request by the first party to agree on an arbitrator, or (iii) by the AAA, if the parties attempt to but fail to reach an agreement. No arbitration hereunder shall include (by consolidation, joinder or in any other method) any third parties, except by written consent signed by DRB Capital and you. You have no right or authority to submit an Arbitrable Claim to be arbitrated on a class action basis or on any basis involving Arbitrable Claims brought in a purported representative capacity on behalf of the general public or other persons or entities similarly situated. YOU UNDERSTAND THAT YOU WILL NOT HAVE THE RIGHT TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS OF CLAIMANTS IN ANY PROCEEDING PERTAINING OR RELATING TO A CLAIM AND THE RIGHT TO SEEK RELIEF IN A COURT OF LAW, THAT YOU ARE EXPRESSLY WAIVING THE RIGHT TO SEEK REMEDIES IN A COURT OF LAW, AND THAT SOME RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY NOT BE AVAILABLE IN ARBITRATION.

EFFECTIVE DATE

The effective date of these Terms is April 6, 2022.

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