Order cancellations must be submitted prior to the cut-off time to take effect for the next week’s delivery. If you choose to withhold requested information, you may not be able to order our Products. For more information, you should review our Privacy Policy, which is incorporated into these Terms & Conditions by this reference. You will not be able to opt-out of these service announcements and updates as they contain important information relevant to your use of our Website or with non-promotional information about our Products. In all of these cases, we will collect personal information from you only if you voluntarily submit such information to us. Factor 75 has in-office chefs, nutritionists, and doctors tasked to design the meals. The more meals you get per week, the lower the per-meal price is. In accordance with our Privacy Policy, we will not share the information. Factor 75 meals usually contain between 400 and 600 calories. Our team of culinary experts craft meals so mouthwatering, you … You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our systems. “Documentation” means, collectively, all Participant guides, protocols, Plans, Confirmation Emails, and other reference materials generally furnished by Factor 75 with respect to the Program, whether in printed or electronic format, as may be updated by Factor 75 from time to time. The UPMIP is currently at 1.75% of the base loan amount. Most web browsers automatically accept cookies, but you can change your browser’s settings to disable all or certain cookies if you wish. If you are not a resident of the United States, you acknowledge and agree that we may collect and use your personal information outside your home jurisdiction, and that we may store your personal information in the United States or elsewhere. Factor 75 reserves the right to establish a spending limit for your account. “Participant Data” means the data about you that Factor 75 gathers in the course of providing the Program, including your physical characteristics, eating habits and caloric intake, sleeping habits, changes in weight, and progress with respect to exercises and activities. You can purchase loot llamas under the X-RAY tab and find event-based llamas from the LOOT tab.These event-based llamas require playing the game and earning special event currency which can be used to purchase them. WHEN YOU REGISTER FOR A SUBSCRIPTION (AND EACH TIME YOU CHANGE YOUR PLAN), YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT Factor 75 (OR OUR THIRD-PARTY PAYMENT PROCESSOR) IS AUTHORIZED TO CHARGE YOU ON A WEEKLY BASIS FOR YOUR SUBSCRIPTION (IN ADDITION TO ANY APPLICABLE TAXES AND OTHER CHARGES) FOR AN INDEFINITE PERIOD OF TIME UNTIL CANCELLED BY YOU OR US. Third-party ad servers may use information about your visits to this Website in order to provide advertisements about goods and services that may be of interest to you. We value photos of any improper food arrival to continue improving our packaging. The Calculations below will show UNEARNED (return premium) factors. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by Factor 75. “Wellness Professional” means an independent contractor or employee of Factor 75 who has been engaged or assigned by Factor 75 to consult with and make recommendations to Factor 75’s Participants as part of the Program. That number enables Factor 75 to reach you with informational calls related to your transactions, including shipping updates. What is a Factors? You hereby grant, and represent and warrant that you have the right to grant, Factor 75 a royalty-free, worldwide, transferable, sub-licensable, irrevocable, and perpetual right and license to publicly perform, publicly display, reformat, translate, excerpt, distribute, create derivative works from, rearrange, store, copy, and use Participant Data in order to: (a) provide the Program to you; (b) analyze and improve the Program, Website, Documentation; (c) conduct research on the efficacy of the Program, Website or Documentation; and (d) promote, market, or advertise the Program or Website. Solution. We may employ independent contractors, vendors, and suppliers (collectively, "Outside Contractors") to provide specific services and products related to our Website or our Products, such as providing payment processing and fraud screening, and developing applications for our Website and e-mail services. If you have any questions about our Privacy Policy or feel that we are not abiding by the terms of our posted Privacy Policy, please contact us by e-mail: help@factor75.com. However, we and our service providers may store information about individuals in the United States, or we may transfer it to, and store it within, other countries. They may report the anonymous data that they collect on our behalf back to us for our internal use and analysis and our treatment of this anonymous data is governed by the terms of this Privacy Policy. Our Website and Products are not designed for or directed to children under the age of 13. This transaction and the arbitration shall be governed by the Federal Arbitration Act 9 U.S.C. Factor 75 will not be responsible for any health problems or injuries that you may experience as a result of receiving the Programs, including from training programs, products, or events you learn about through the Program. If the refund or dispute amount brings your account's total purchase value below $5 USD, then your account will lose access to these features. By using our Website, you agree to these Terms and Conditions of Use (“Terms & Conditions”). 1 The Time Value of Money (contd.)

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