TERMS AND CONDITIONS
Welcome to Social Ubiquity, LLC These terms and conditions constitute a legally binding agreement between you and Social Ubiquity, LLC. The words’ you, ‘your,’ and ‘us’ refer to individual users of our site, and the words’ we, us, our, and company refer to Social Ubiquity, LLC. The word “agreement” used here refers to these terms and conditions. Moreover, the words donating the gender in these terms and conditions include masculine, feminine, and neuter, whereas references in these terms and conditions to singular words include plural and vice versa.
By accessing our site and using our service, you acknowledge and agree that you have read and understood these terms and conditions. You are requested to read this agreement carefully. If you do not agree with any of the provisions herein provided, you should not enter into contractual obligations with us.
We have the right to change or modify these terms and conditions at our sole discretion, at any time. We undertake to notify you of such changes by updating them on our website and modifying the revised date displayed. Any and all modifications or changes to these terms will become effective upon publication on the website or release to users. As a result, your continued use of our services constitutes your acceptance of the modified agreement and rules. If you do not agree to any changes to these terms, you must stop using our services immediately. You are recommended to frequently review these terms to ensure your understanding of the terms and conditions that apply to your access to and use of our services.
SECTION 1: REGISTRATION
In order to use, purchase, and obtain membership on our website, you are required to register with us. Therefore, you may be required to provide some of your information, including, without limitation, name, address, email, telephone, and account information, including user name and password.
- You should provide us with correct and updated information.
- You agree not to give or share your account or password with anyone.
- You shall not use anyone’s account.
In the event of unauthorized use of your account, we shall not be held liable.
SECTION 2: FEES AND SERVICES
Social Ubiquity, LLC. offers services listed in the Service Section available on its website. For details, please refer to the services section on our website.
In order to purchase our services, you must pay a fee and applicable taxes. For more information, visit the prices section on our site. The service charges and plans will be clearly stated or communicated to you via registered email at the time of purchase. In the event that payments are not fully made within 10 days of the due date, you shall be liable to pay an additional 10% as a penalty.
You may pay for your purchases by credit card or PayPal. Cheques and money orders are not accepted. If you choose to pay by PayPal, your subscription to the service will be activated after Social Ubiquity, LLC receives payment from PayPal. Social Ubiquity, LLC. will not be liable for any additional fees resulting directly or indirectly from charges to your PayPal account. If you pay by credit or debit card, please be aware that Social Ubiquity, LLC. will send a small test transaction through your credit or debit card account to make sure that the account you have given is valid. This test transaction may occur before any applicable free trial is over, or before your subscription has expired. This test transaction is not a charge and will fall off your account in approximately 72 hours. It is just a way to confirm that your payment method is valid.
SECTION 3: REFUNDS AND CANCELLATIONS
Social Ubiquity, LLC does not offer refunds or money back guarantees. You acknowledge and agree that you will not be entitled to a refund for any purchase, including, but not limited to, cancellation or dissatisfaction with the services. You may only receive a refund of up to 65% of the total amount if you have purchased services subject to ongoing subscriptions and have paid for next month’s subscriptions in advance and want to terminate the services. Furthermore, Social Ubiquity, LLC does not issue a refund for the current month’s subscription.
SECTION 4: OUR RIGHTS TO INTELLECTUAL PROPERTY
All the intellectual property and materials available on our platform are protected by copyright and other forms of intellectual property and are owned or controlled by Social Ubiquity, LLC., its affiliates, or the parties credited in the copyright and trademark notices within the materials. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create new works from, distribute, perform, display, or in any way exploit any of the materials, in whole or in part. You agree that any copy of the materials you make or have in your possession must be undamaged and must include all copyright and other proprietary notices. All information and software provided through the Site is and will continue to be the sole and exclusive property of Social Ubiquity, LLC, its affiliates, or the parties credited in the copyright and trade mark notices contained within the materials.
SECTION 5: AUTHORIZATION
We give you a non-exclusive, non-revocable, non-distributable license to use the website and services provided herein. You may not copy, sell, reproduce, transmit, distribute, modify, or reproduce our content without our prior written authorization. All the content and Social Ubiquity, LLC’s services are solely for your personal use, and corporate or commercial use is expressly prohibited.
SECTION 6: RESTRICTIONS
You agree not to do the following while using our services:
- transfer, upload, share, store, or destroy our material in violation of any applicable law or regulation, including laws or regulations governing the collection, processing, or transfer of personal information.
- You must not carry out any activity that may impose an unreasonable or disproportionately large load on our website and network.
- Use any data mining, robotics, or similar data gathering or extraction methods.
- Violate or attempt to violate the security of our website, including trying to probe, scan, or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization.
- Falsify any information.
- Reverse engineer or decompile any parts of our website.
- Make a link to our content or information made available to you from our website, unless permitted by our terms and conditions.
- post any false or misleading information or endorse illegal activities such as violating someone’s privacy, providing or creating computer viruses or pirating media.
- Solicit passwords or personally identifiable information from other individual users.
- Harass, incite harassment, or advocate harassment of any group, company, or individual.
- Send unsolicited mail or email, make unsolicited phone calls, or send unsolicited texts, tweets, or faxes to any user, or contact any user who has specifically requested not to be contacted by you.
- Attempt to interfere with service to any user, host, or network, including, without limitation, via means of submitting a virus to our site, overloading, “flooding”, “spamming”, “mailbombing” or “crashing”.
- assist any third party in doing any of the foregoing.
If Social Ubiquity, LLC determines, in its sole discretion, that you are in violation of any of the foregoing and/or are a repeat infringer of third-party property rights, Social Ubiquity, LLC will terminate your account and/or membership, as the case may be, and prohibit you from creating new accounts through Social Ubiquity, LLC services. Furthermore, the violation of any of the aforesaid may result in civil or criminal liability.
SECTION 7: WARRANTY
All of Social Ubiquity, LLC’s services and Social Ubiquity, LLC’s content are provided on an “as is”, “as available”, and “with all faults” basis. To the greatest extent permitted by applicable law, Social Ubiquity, LLC and its licensors/suppliers disclaim all express and implied warranties, including but not limited to: uninterrupted or continuous availability of Social Ubiquity, LLC services; implied warranties of merchantability; fitness for a particular purpose; and noninfringement with respect to Social Ubiquity, LLC services. In addition, although Social Ubiquity, LLC intends to take reasonable steps to prevent the introduction of viruses or other destructive materials into Social Ubiquity, LLC services, and whether or not Social Ubiquity, LLC implements the aforementioned reasonable protections, Social Ubiquity, LLC does not warrant that Social Ubiquity, LLC services, any part thereof, or any information or other material accessible through Social Ubiquity, LLC services is free of viruses, worms, trojan horses, or other harmful components. Some jurisdictions limit or do not allow the disclaimer of implied or other warranties, so the above disclaimer may not apply to the extent such jurisdiction’s law is applicable to these terms of service. By accessing or using any of the Social Ubiquity, LLC. services, you represent and warrant that your activities are legal in each jurisdiction in which you access or use such Social Ubiquity, LLC services.
SECTION 8: LIABILITY LIMITATION
To the greatest extent permitted by law, Social Ubiquity, LLC, its affiliates, respective shareholders, directors, officers, employees, attorneys, agents, representatives, suppliers, or contractors will not be liable for any incidental, indirect, special, punitive, consequential, or similar damages or liabilities (including, without limitation, damages for loss of income, information, revenue, profits, or other business or financial benefits).
SECTION 9: INDEMNIFICATION
You shall indemnify, defend, and hold harmless Social Ubiquity, LLC., its affiliates and licensors, and their respective officers, agents, directors, representatives, contractors, and employees, from and against any and all claims, suits, demands, actions, losses, liabilities, damages, judgements, penalties, fines, expenses, and other costs (including reasonable attorneys’ fees) arising from your breach or alleged breach of this Agreement.
SECTION 10: DMCA POLICY
If anyone believes that his or any third party’s intellectual property rights have been violated through or at our platform, we advise you to contact us immediately. Your infringement notification should consist of:
- Signature of author or any of his authorized person.
- Subject matter of infringement claim.
- Nature and location of infringed material.
- Name, address, telephone number and email address.
- Statement that you believe that the use of the material that you claim to infringe your copyright is not authorized by law, or by the copyright owner or such owner’s agent; and, under penalty of perjury, that all of the information contained in your Infringement Notice is accurate, and that you are either the copyright owner or a person authorized to act on their behalf.
You can send us notice at __________ and it may take up to 15 days to respond to such notices. Upon finding such an infringement, we will remove the content from our platform.
SECTION 11: BREACH
If we find out, in our sole discretion, that you have breached any portion of this agreement or have otherwise demonstrated conduct inappropriate, we also reserve the right to:
- Terminate your access with and account registration with us.
- Terminate your membership.
- Notify or fully cooperate with the proper law enforcement authorities for further action; and/or
- Pursue any other action which we deem to be appropriate.
SECTION 12: COMMUNICATION
You agree and understand that we will only communicate with you through your registered email address with us. Third parties may advertise or publish alternative ways to contact us or use other measures to pose as us. We cannot verify the authenticity of any such alternative contacts, and they pose a risk of fraud and other malfeasance, so we highly recommend you do not attempt to contact us using these methods. You agree that we cannot be held liable for unauthorized access to your account or other loss resulting from such fraud or other malfeasance by third parties. In order to make sure that you receive all of our communications, you agree to keep your email address up-to-date and immediately notify us if there are any changes. Delivery of any communication to the email address on record is considered valid. If any email communication is returned as undeliverable, we retain the right to block your access to us until you provide and confirm a new and valid email address.
SECTION 13: THIRD PARTY SITES AND LINKS
Your dealings with advertisers or other third parties found on or accessible through our website are solely between you and such third party. These dealings include, but are not limited to, your participation in promotions, use of their service, and any terms, conditions, warranties, or representations associated with such dealings. Third party links are provided solely as a convenience to you and should not be construed as an endorsement by us. You shall access and use such third-party sites, including the content, items, or services on those sites, solely at your own risk. We do not make any representations or warranties with respect to any content or privacy practices, or otherwise with respect to such third parties or any items or services that may be obtained from such third parties, and you agree that we will have no liability with respect to any loss or damage of any kind incurred as a result of any dealings between you and any third party, or as a result of the presence of links or ads of such third parties on the Services.
If there is a dispute between you and any such third party, you understand and agree that we shall be under no obligation to become involved. In case that you have a dispute with any such third party, you hereby release us from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected, and unsuspected, disclosed, and undisclosed, arising out of or in any way related to such disputes and/or the services.
SECTION 14: DISPUTE RESOLUTION
This Agreement will be governed by, and construed and interpreted in accordance with, the laws of the State of Florida, United States of America without regard to its conflicts-of-law principles. Any dispute arising out of or relating to this Agreement may be brought and adjudicated only in the courts, federal or state, located in the State of Florida, United States of America and you submit to the exclusive jurisdiction of such courts and waive any objections based upon improper venue or inconvenient forum.
SECTION 15: MISCELLANEOUS
- Performance by us under this agreement is excused during the period such performance is prevented or delayed by the government restrictions (whether with or without jurisdiction), war or warlike activity, insurrection or civil disorder, or any other cause similar or dissimilar to the foregoing that are beyond the control of the parties and not enforceable at the time the agreement is executed.
- It is hereby agreed that we may at our sole discretion, amend, alter, change, any of the provision of these terms and conditions and such modifications shall be adhered to and have the same effect as if they had been originally embodied in and formed a part of these terms and conditions.
- Any captions or headings used in these terms and conditions are solely for the convenience of the parties hereto, are not part of these terms and conditions, and are not to be used for the interpretation or determination of validity hereof.
- If any particular provision of these terms and conditions is determined to be invalid, the invalidity and enforceability would not affect the remaining provisions, which will nevertheless remain in full force and affect.
- Nothing in this agreement is intended or deemed to create a partnership or joint venture between us.
- You are not allowed to assign or transfer any right or obligation to any third party without the written consent of us however, you understand that we may assign or transfer some, all or any of our rights and duties with or without notice to you.
- Our website may from time to time, contains links to other sites whose privacy practices may be different from ours. In case, you submit personal information to any of those sites, your information is governed by their privacy policies and we shall not be held liable for any loss of data or personal information thereof. We request you to carefully read the privacy policy of any other website or application you visit.
- If you have queries, complaints, or any feedback you are encouraged to contact us. We will try to resolve any complaint within seven (7) business days from the date we receive the complaint.
PRIVACY POLICY
Welcome to Social Ubiquity. This policy tells us how we use and protect your information.
Therefore, we request that you read it carefully before using and accessing our site. If you do not
personally agree with anything stated herein, please do not use our site. The words “we” and “us”
refer to Social Ubiquity, while “you”, “your” and “users” refer to individual users of our website.
We understand that your privacy is important to you. Therefore, we are committed to protecting
your information while you use our services. Please be advised that this Privacy Policy does not
apply to third-party websites, products, or services, even if we provide links to them or if they link
to us.
SECTION 1: WHAT KIND OF DATA DO WE COLLECT FROM YOU?
We collect data from you as given below:
- PERSONALLY IDENTIFIABLE INFORMATION
We collect some personally identifiable information from you. Personally identifiable information
is a type of information that helps to identify a particular person and includes name, date of birth,
age, nationality, gender, signature, photographs, phone number, home address, and/or email
address, and formal identification information such as social security number, taxpayer
identification number if you are an entity.
- NON-PERSONALLY IDENTIFIABLE INFORMATION
We collect some non-personally identifiable information, which includes but is not limited to IP
address, device type, device location, domain name, software, hardware, browser, etc.
- INFORMATION WE COLLECT FROM THIRD PARTIES
From time to time, we may obtain information about you from third party sources as required or
permitted by applicable law, such as public databases, credit bureaus, ID verification partners,
resellers and channel partners, joint marketing partners, and social media platforms. ID verification
partners use a combination of government records and publicly available information about you to
verify your identity. Such information includes your name, address, job role, public employment
profile, credit history, status on any sanction lists maintained by public authorities, and other
relevant data.
- FINANCIAL INFORMATION
We also collect some of your financial information, including, without limitation, bank accounts,
credit cards, or any other associated account with our services.
- COMMERCIAL INFORMATION
We also collect some of your commercial information, including, without limitation, trading
activity, order activity, deposits, withdrawals, and account balances.
- CREDIT AND FRAUD INFORMATION
You agree that we may also collect some of the information, including credit investigation,
eligibility, and detection of any illegal activity.
- CORRESPONDENCE INFORMATION
You agree that we may also collect some of the information you provide to us in correspondence,
including account opening and customer support.
- INSTITUTIONAL INFORMATION
If you are an institution using our services, we may collect some of your information, including
without limitation, legal name, EIN, identification number issued by a government, and proof of
legal existence and certificate of formation.
- ADDITIONAL INFORMATION
We may also collect some of your information, such as criminal records or alleged criminal
activity, or information about any person or corporation with whom you have had, currently have,
or may have a financial relationship.
SECTION 2: WHY DO WE COLLECT YOUR DATA?
We collect your information for the purposes provided herein.
- To provide services to you
- To give you access to our services.
- To give important notices.
- To facilitate communication with you.
- To comply with contractual and legal obligations.
- To do research and surveys.
- For research and development purposes.
- To improve our services,
- To monitor online activity.
- For legal purposes
- To deal with complaints and disputes.
- For legal investigations.
- To prevent fraud and other illegal activities.
- For billing purposes
- In order to comply with the law
SECTION 3: HOW DO WE SHARE YOUR PERSONAL INFORMATION?
We will share your personal information with:
- SERVICE PROVIDERS
We may share your personal information with third-party service providers for business or
commercial purposes. Your information may be shared so that they can provide us with services,
including identity verification, fraud detection and prevention, credit verification, security threat
detection, payment processing, customer support, data analytics, information technology,
advertising, marketing, data processing, network infrastructure, storage, transaction monitoring,
and tax reporting. We share your information with these service providers only so that they can
provide us with services, and we prohibit our service providers from using or disclosing your
personal information for any other purpose. Our third-party service providers are subject to strict
confidentiality obligations.
- AFFILIATES
We may disclose your personal information to any of our employees, officers, insurers,
professional advisers, agents, suppliers, or subcontractors as reasonably necessary for the purposes
set out in this policy. We may also disclose your personal information to any member of our group
of companies (this means our subsidiaries, our ultimate holding company and all its subsidiaries)
as reasonably necessary for the purposes set out in this policy.
- LAW ENFORCEMENT
We may share your information with law enforcement, government agencies, and regulators if:
- If required to do so by law,
- For ongoing or prospective legal proceedings.
- For establishing, exercising, or defending our legal rights (including providing information
to others for the purposes of fraud prevention and credit risk reduction), - for the prevention of fraud and other illegal activities.
- CORPORATE TRANSACTION
You agree that we may disclose your personal information in the event of a proposed or
consummated merger, acquisition, reorganization, asset sale, or similar corporate transaction, or
in the event of bankruptcy or dissolution.
- PROFESSIONAL ADVISORS
For purposes of audits or to comply with our legal obligations, we may share your information
with our professional legal, accounting, or other consulting advisors.
- APPROVAL
We may also ask your permission from time to time to allow us to disclose your personal
information.
- CORPORATE AND BUSINESS PURPOSES
To the extent permitted by law, we may disclose your information for any business purpose.
SECTION 4: HOW DO WE SECURE YOUR DATA?
We have implemented measures designed to secure your personal data from accidental loss and
from unauthorized access, use, alteration, and disclosure and are concerned with protecting your
information. However, we cannot ensure or warrant the security of any information you transmit
to us. There is no 100 percent secure method of internet transmission or electronic storage.
Therefore, we cannot guarantee its absolute safety and any transmission of personal data is at your
own risk. We are not responsible for the circumvention of any privacy settings or security measures
contained on the services.
However, we have taken the following steps to ensure the security of your data.
- Communications with SSL
- Two-factor authentication.
- Periodic review of our collection, storage, and processing practices.
- Restricted access to your data for our employees, contractors, and agents.
SECTION 5: WHAT RIGHTS DO YOU HAVE REGARDING YOUR DATA?
You have options in relation to the information that we have about you. To exercise these options,
please visit your account settings and, if you still need help, our Help Center.
- To the extent permitted by law, request access to the information we collect and hold about
you. We’ll usually share this with you within 30 days of your asking for it through our Help
Center. - Your information will be corrected or deleted to the extent permitted by law. You can
update your information in your profile or delete your data by closing your account. - Object to our processing of your information to the extent permitted by law. To the extent
permitted by law, you can ask us to stop using your information. This includes when we
use your information to send you marketing emails or push notifications. If you opt out of
receiving marketing messages from us, we may still send you updates about your account. - To the extent permitted by law, request more details about the information we collect and
how and why we use and share it.
We will not discriminate against you if you choose to exercise your options related to your personal
information. We will work to be clear with you about your options and the consequences of
exercising certain options.
SECTION 6: FOR HOW LONG WILL WE MAINTAIN YOUR DATA?
We retain your information for as long as is reasonably necessary to provide services to you, for
our legitimate business purposes, and to comply with our legal and regulatory obligations. If you
close your account with us, we will continue to retain your information as necessary to comply
with our legal and regulatory obligations, including for fraud monitoring, detection, and
prevention; and for our tax, accounting, and financial reporting obligations.
SECTION 7: DO WE TRANSFER YOUR DATA INTERNATIONALLY?
Our aim is to do business globally. Therefore, as a result, your information may be stored and
processed in any country where we have operations or where we engage service providers. We
may transfer personal information that we maintain about you to recipients in countries other than
the country in which the personal information was originally collected. Those other countries may
have data protection or privacy rules that are different from those in your country. However, we
will take measures to ensure that any such transfers comply with applicable data protection laws
and that your personal information remains protected to the standards described in this Privacy
Policy. In certain circumstances, courts, law enforcement agencies, regulatory agencies, or security
authorities in other countries may be entitled to access your personal information.
If you are located in the European Economic Area (“EEA”), the UK, or Switzerland, we comply
with applicable laws to provide an adequate level of data protection for the transfer of your
personal information to the US or other third countries.
We may transfer personal data from Europe to third countries outside of Europe, under the
following conditions:
- To satisfy our obligations to you concerning the services.
- If you have consented to our transferring your data to a third country, you can withdraw
your consent at any time. However, you agree that our service may not be available to you
if you do not consent under some circumstances.
SECTION 8: DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In short, yes, if you are a resident of California, you are granted specific rights regarding access
to your personal information.
California Civil Code Section 1798.83, also known as the “Shine the Light” law, permits our users
who are California residents to request and obtain from us, once a year and free of charge,
information about the categories of personal information (if any) we disclosed to third parties for
direct marketing purposes and the names and addresses of all third parties with which we shared
personal information in the immediately preceding calendar year. If you are a California resident
and would like to make such a request, please submit your request in writing to us using the contact
information provided below.
If you are under 18 years of age, reside in California, and have a registered account with the
Website, you have the right to request the removal of unwanted data that you have publicly posted
on the Website. To request removal of such data, please contact us using the contact information
provided below and include the email address associated with your account and a statement that
you reside in California. We will make sure the data is not publicly displayed on the Website, but
please be aware that the data may not be completely or comprehensively removed from all our
systems (e.g., backups, etc.).
SECTION 9: COOKIES AND OTHER TECHNOLOGIES
You understand that we collect cookies. The main purpose of cookies is to provide a convenience
feature to save you time. A cookie is a text file that is placed on your hard disc by a web page
server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are
uniquely assigned to you and can only be read by a web server in the domain that issued the cookie
to you. The purpose of a cookie is to tell the Web server that you have returned to a specific page.
We also use cookies to help us recognize you as a customer, collect information about your use of
our service to better customize our services and content for you, and collect information about
your computer or other access devices to ensure compliance with our policies and that your account
security has not been compromised by detecting irregular, suspicious, or potentially fraudulent
account activities.
Third-party tracking technologies are not controlled by us, and statements regarding our policies
do not apply to these third-parties or their use of information. We make no representations
regarding the policies or practices of such third parties.
SECTION 10: THIRD-PARTY WEBSITES
Your interactions with advertisers or other third parties found on or accessible via the Services are
solely between you and that third party. These dealings include, but are not limited to, your
participation in promotions and any dealings. Third party links are provided solely as a
convenience to you and should not be construed as an endorsement by us. You access and use such
third-party sites, including their content, items, or services, at your own risk. We make no
representations or warranties about any content or privacy practices of such third parties, or about
any items or services obtained from such third parties, and you agree that we will have no liability
for any loss or damage of any kind incurred as a result of any dealings between you and any third
party, or as a result of the presence of links or advertisements for such third parties on the Services.
SECTION 11: COMMUNICATION
Subject to applicable laws and regulations, we may from time to time send direct marketing
materials promoting services, products, facilities, or activities to you or communicate with you
using information collected about or about you.
SECTION 12: OPT OUT
You may opt-out of such marketing communications at any time through your settings. You may
also opt-out of such communications by following the directions provided in any marketing
communication. It is our policy to not provide your personal information to third parties for their
own direct marketing purposes without your consent. If you opt out of marketing communications,
please note that we may still send you necessary information about transactions or our business
relationship.
SECTION 13: DO NOT TRACK FEATURE CONTROLS
Most web browsers and some mobile operating systems and mobile applications include a Do-
Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to
have data about your online browsing activities monitored and collected. At this stage, no uniform
technology standard for recognizing and implementing DNT signals has been finalized. As such,
we do not currently respond to DNT browser signals or any other mechanism that automatically
communicates your choice not to be tracked online. If a standard for online tracking is adopted
that we must follow in the future, we will inform you about that practise in a revised version of
this privacy notice.
SECTION 14: CHILDREN UNDER SIXTEEN (16)
Our services are not intended for children under the age of 16, and we do not knowingly collect
information from children under the age of 16. If we learn that we have collected any personal
information from a child under the age of 16, we will promptly delete it from our systems. If you
are under the age of 16 and access and use our services, you agree that you do so at your own risk
and that we will not be liable to you or your guardian for any loss of data or information.
SECTION 15: CHANGES TO THE PRIVACY POLICY
We can make changes to our privacy policy from time to time at our sole discretion. We request
that you check our privacy policy from time to time for the purpose of being updated. Your
continued use of our services would mean you have read and accepted any change in the privacy
policy.
SECTION 16: QUESTIONS AND FEEDBACK
If you have any queries, problems, complaints or any feedback about our services or this privacy
policy, you are encouraged to write to us from our Contact Page. We will try to resolve any privacy
complaint within seven business days from when we receive all the information required to
consider your complaint.