Legal Policies

The Holding Co. Privacy Policy

Effective Date: August 3, 2023

We at The Holding Co. (“The Holding Co.”, “we,” “our” or “us”) created this privacy policy (“Privacy Policy”) because we know that you care about how information you provide to us is used and shared. This Privacy Policy describes our practices with respect to the collection, use, and disclosure of information we collect from you through our websites, web and mobile applications, products and services, and any other products or services we provide to our users (collectively, the “Services”).

By accessing or using the Services, you agree to this Privacy Policy and our Terms of Service. Capitalized terms not defined in this Privacy Policy will have the meanings ascribed to them in the Terms of Service Any processing of account data, including information or content uploaded by way of the Services (collectively, “Account Data”) will be subject to the Terms of Service and this Privacy Policy. This Privacy Policy does not apply to any third party products or services, applications or software, including those that are offered within, or used in connection or integrate with the Services (“Third Party Services”).‍


Account Data and Other Information. We may collect and receive Account Data and other information (collectively, “Information”) in a variety of ways. Users granted access to the Services may upload Account Data to the Services, and you may also provide us with your email address, address, phone number or other identifying Information.  We may collect and receive other Information in the following ways, including when you:

  • Create or register an account;
  • Register to obtain access to and/or download any report (including our care market report(s) or any associated raw data) or receive any newsletter;
  • Administer your account;
  • Upload Information to the Services;
  • Submit questions, requests, other communications to us via forms, email, text messages, or other communication channels;
  • Contact us for technical or customer support;
  • Interact with our social media accounts;
  • Participate in contests, surveys, demonstrations, or other promotional or marketing events
  • Interact with other users via the Services or other users or guests on our public forums;
  • Apply for employment, or
  • Integrate Third Party Services with your account.  

We use email to exchange information efficiently for the benefit of users. We recognize that email messaging may not be a completely secure means of communication. Your use of the Services means that you agree and consent to the use of email as an acceptable form of communication.

Account Information.

‍To create or update an account with us, you may be asked to provide us with Information related to the creation of accounts or that otherwise identifies you as a registered user. Information may include Personal information (as defined below), such as your name, email address, mailing address, age, gender or phone number. If you create an account using any third-party service (such as Facebook or Google), we may collect Information about you from the third-party service provider (such as your username or user ID associated with the third-party service). By choosing to create an account using the third-party service, you authorize us to collect Information necessary to authenticate your account with that third-party service provider. In addition, if you purchase any Services, you may provide us (or our payment processors) with billing details such as credit card information, banking information and a billing address.

Use of the Services. ‍

We collect Information about how you use the Services and some of your actions on the Services, including but not limited to IP addresses, what software and hardware you use (such as browser types, operating systems, ISP, platform type, device type, mobile device identifiers (i.e., make and model and mobile carrier)), metadata, pages or features of the Services used and associated dates and time-stamps, search terms, links you click, whether you open messages sent to your account, and other statistics related to your usage of the Services. We may collect non-identifiable information from user visits to our website in order to provide better customer services. Examples of such collecting include: traffic analysis, such as tracking of the domains from which users visit, or tracking number of visitors; measuring visitor activity on our website; website and system administration; and user analysis. This information is sometimes known as “clickstream data.” We may also use tools, including third party tools, to collect analytics data. Some of this Information is collected through the use of "cookies" and other tracking technologies, such as web beacons and similar technologies. We may also work with third party partners to support our use of these tracking technologies. This Information may be used by us to allow you access to our Services, to identify irregular site behavior and solve technical problems, to prevent fraudulent activity and improve security, to assess the performance of our Services, to help us understand how our users use the Services, to offer you enhanced functionality when accessing or using our Services (for instance, to identify you when you sign into our Services or to keep track of your specified preferences, interests, or past items viewed), or to use first party or third party data to deliver content, on our Services or on third party sites.

Location Information.‍

We receive Information from you and other third parties that helps us approximate your location. We may, for example, use an IP address received from your browser or device to determine approximate location. We may also collect location information from devices in accordance with the consent process provided by your device.

Third Party Services.

‍Certain aspects of the Services allow you to link or integrate third party products and services to enable certain features and functionalities with the Services. If you choose to use these features or functionalities, you may be asked to create an account with a third-party service provider or link your existing account with that service provider (and, by doing so, agree to the privacy policy and/or terms and conditions of that third-party). You may also be asked to authorize us to collect information from the third-party service provider on your behalf. We will then collect information (such as your username or user ID associated with that third-party service) from you and/or that third party service provider as necessary to enable the Services to access your data and content stored with that third-party service provider. Once the authentication is complete, we have the ability to access information you provided to us or was otherwise collected by the third-party service in accordance with the privacy practices of that third-party service. We will store the information and data we collect and associate it with your account, and we will only use that information and data to enable the integration of the Services with the third-party service provider and to perform actions requested or initiated by you, or that are reasonably necessary to carry out instructions provided by you.

Third Party Data.

‍We may receive data about organizations, industries, lists of companies that are customers, site visitors, marketing campaigns and other matters related to our business from affiliates, our partners, or others that we use to make our own information more useful. This data may be combined with Information we collect and might include aggregate-level data or specific data.

You are under no obligation to provide Information to us, however, certain Information is collected automatically and, if some Information, such as account Information, is not provided to us, we may not be able to provide the Services.


Account Data will be used by us in accordance with your instructions, including in the Terms of Service, and as required by applicable law. Information may be used in furtherance of our legitimate business interests that does not conflict with this Privacy Policy, including as described below.

To Provide the Services. We may use Information to provide the Services to you including:

  • Allowing you to download a report or sending you a newsletter;
  • Responding to requests or inquiries from you;
  • Providing customer support or technical assistance;
  • Contacting you to provide updates to our products and services;
  • Providing marketing materials for our products, services and features that you may be interested in;
  • Monitoring the performance of our reports, newsletters or marketing efforts;
  • Creating, managing, or administering your Information and account, including identifying you with your account;
  • Billing you and processing your financial Information and other payment methods for products or Services purchased;
  • Providing access to certain areas, functionalities, and features of our Services;
  • Communicating with you about activities on our Services and policy changes;
  • Undertaking activities to secure, verify or maintain the quality of a service;
  • Allowing you to participate in surveys or register for events, webinars or other forums, or
  • Sharing with third parties for the purposes discussed below.

To Improve, Update and Protect the Services. We may use Information to improve, update and protect the Services including:

  • To improve, upgrade or enhance our Services;
  • For other business analysis or research purposes;
  • To customize existing and future product offerings and other aspects of the Services to you;
  • To secure the Services and our systems, and to protect your Information and data;
  • To verify your identity and to prevent fraud;
  • To debug and repair errors that impair existing intended functionality;
  • To protect against malicious, deceptive or illegal activity and to prosecute those responsible for that activity;
  • To verify your identity and to prevent fraud; or
  • To debug and repair errors that impair existing intended functionality.

To comply with laws, regulations and internal rules. We may also use Information to enforce our terms and policies; To protect against malicious, deceptive or illegal activity and to prosecute those responsible for that activity; to comply with our legal obligations and as required by applicable law, rule, legal process or regulation, or as may be required for the public good; or for audit purposes, or for other compliance activities.

To engage in an acquisition or reorganization. Circumstances may arise where for business reasons we decide to sell, buy, merge or otherwise reorganize our business in the United States or another country. Such a transaction may involve the disclosure of Information to prospective or actual purchasers.

Third Party Providers. We employ and engage other companies and individuals to perform business functions on our behalf. These persons may be provided with Information required to perform these functions, but are generally prohibited by contract from using the information for other purposes. These functions can include but are not limited to removing repetitive information from user lists, analyzing data, providing marketing assistance and providing customer support services.

Personal Information and De-Identified Information

If Information is aggregated or de-identified so that it is no longer reasonably associated with an identified or identifiable natural person, we may use it for any business purpose.

To the extent Information is associated with an identified or identifiable natural person and is protected as personal data under applicable data protection law, it is referred to in this Privacy Policy as “Personal Information.” We may use Personal Information for the above purposes, in accordance with your instructions and applicable law, including to respond to law enforcement or other governmental or legal requests or to act under exigent circumstances to protect the personal safety of users or the public. We may also use Personal Information for other purposes that are clearly disclosed to you at the time you provide Personal Information, or with your consent. We will not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.


We will retain Account Data to fulfill the purposes for which it was collected in accordance with your instructions and as required by applicable law. We will retain other Information for as long as necessary for the purposes described in this Privacy Policy. We may keep such Information after you have deactivated your account for the period of time needed for us to comply with applicable law, pursue legitimate business interests, conduct audits, comply with legal obligations, resolve disputes, and enforce our agreements.


‍You may access, correct, amend, or delete Information by accessing it within your account or by contacting us at Information you delete may be retained in archived or backup copies in order to enable you to use certain features of the Services. For any questions regarding managing your Information, please contact us at Please note that permanent deletion of Information through this process may impair or disable those features with respect to that Information.

If you would prefer not to accept cookies or otherwise wish to disable our use of tracking technologies, most browsers and mobile devices allow you to change your settings so as to notify you when you receive cookies or other tracking technologies are being used, and to choose whether or not to accept/allow it. Most browsers also allow you to disable or delete existing cookies or to automatically reject future cookies. Disabling cookies, however, may limit your ability to use the Services. Certain tracking technologies we use are related to advertising networks, and through those technologies we may share certain information such as IP addresses. Please note that the information we share with those advertising networks might be combined with other information about you that those networks may have collected from other sources. To learn more about advertising networks and how to opt out of sharing information with them, please visit the following sites: and For any questions regarding our use of cookies or tracking technologies, please contact us at

We may use Information we collect for marketing purposes, including to send you promotional email or other communications about new features, products, events, or other opportunities. If you wish to stop receiving these communications or to opt out of use of your Information for these purposes, please follow the opt-out instructions by clicking "Unsubscribe" (or similar opt-out language) in those communications. You can also contact us at to opt out.


‍Except as specifically provided in this Privacy Policy, we do not share or disclose your Information including your Personal Information. We may share or disclose Information we collect for the following purposes:

  • If you request us to do so, or otherwise gave your consent.
  • With our business partners and affiliates for research and analytical purposes, and in order to develop and make available our reports.
  • With vendors we engage to help provide you with the Services, such as data storage, hosting, and payment processing.
  • With third-party service providers who enable certain features or functionalities of the Services that you have requested.
  • With vendors we engage to help us with marketing and email campaigns, to advertise, gain insights, and perform analytics into how the Services are used and how they might be improved.
  • As necessary to comply with applicable law, including governmental requests, law enforcement requests, and otherwise to protect the rights, privacy, safety, or property of you, us, or others.
  • As necessary in the event of a proposed or actual reorganization, reincorporation, change of control, merger, sale, joint venture, assignment, transfer, financing, bankruptcy, public offering, or other disposition of all or any portion of our business, assets, or stock.
  • To allow for users to be able to access, modify, or restrict access to Information.
  • With others for any legitimate business purpose that does not conflict with the statements made in this Privacy Policy.

Users of the Services may enable or permit Third Party Services. We require the Third Party Services to disclose all permissions for Information access in the Services, but we do not guarantee that they do so. When enabled, we may share Information with such Third Party Services. Third Party Services are not owned or controlled by us and third parties that have been granted access to Information may have their own policies and practices for its collection, use, and sharing.

We may disclose or use aggregated or de-identified Information for any legitimate business purpose. For example, we may share aggregated and/or de-identified Information with partners for business or research purposes or for statistical and analytical purposes.


‍We implement appropriate technical and organizational measures to protect the information we collect and store. Unfortunately, given the nature of communications and information processing technology, we cannot guarantee that Information during transmission over the Internet or while stored on our systems or otherwise in our possession will be absolutely safe from destruction, loss, alteration, unauthorized disclosure of, or access by others. Our website may contain links to other websites. When you click a link to a third-party site, you will be leaving our site. We are not responsible for the privacy practices or the content of those other websites.

 If you believe your Information may not be secure for any reason, please contact us immediately at


The Services are not directed to anyone under the age of 18 (or other age as required by applicable law), we do not knowingly collect Personal Information from children and no part of our website is structured to attract anyone under the age of 13. If we learn that we have collected Personal Information from a child, we will take reasonable steps to delete such information from our files as soon as is practicable.


Any Information that we collect is subject to the Privacy Policy in effect at the time such Information is collected. We may, however, revise the Privacy Policy from time to time. The current version of the Privacy Policy will always be posted to our Privacy Policy page. If you have any questions about this Privacy Policy, please contact us at‍


‍We process and store information on servers located in the United States, and are subject to the applicable state and federal laws of the United States. If you choose to access or use the Services, you consent to the use and disclosure of information in accordance with this Privacy Policy and subject to such laws.


‍California consumers have certain rights regarding the Personal Information we collect about them under the California Consumer Privacy Act (“CCPA”). We collect and share the Personal Information for the business and commercial purposes described in this Privacy Policy. We do not sell (as ‘sell’ is defined in the CCPA) the Personal Information we collect.  Subject to certain limitations, the CCPA also provides California consumers the right to request to know more details about the categories or specific pieces of Personal Information we collect (including how we use and disclose this information), to delete their Personal Information, to opt out of any ‘sales’ that may be occurring, and to not be discriminated against for exercising these rights. California consumers may make a request pursuant to their rights under the CCPA by contacting us at We will verify your request using the information associated with your account, including email address. Government identification may be required. Consumers can also designate an authorized agent to exercise these rights on their behalf. This request may be made no more than once per calendar year. We reserve the right not to respond to requests submitted other than to the email address specified in this paragraph.


Please feel free to contact us if you have any questions about this Privacy Policy, or if you are seeking to exercise any of your legal rights. We will respond within a reasonable time period. You may contact us at

The Holding Co. Terms of Service

Effective Date: August 3, 2023

These Terms of Service (the “Terms”) and our Privacy Policy set forth the rights and responsibilities of users and customers that use the website, services, reports, products and platform (collectively, the “Services”) made available by The Holding Co. (“The Holding Co.”, “we,” “our” or “us”). Please read these Terms carefully. If you do not agree to these Terms, please do not use the Services. If you are using any of the Services on behalf of an organization, you are agreeing to be bound by these Terms as a user or customer on behalf of that organization, and you represent and warrant that you have the authority to agree to these Terms on the organization's behalf. In that case, “you” or “your” will refer to that organization in these Terms.


Before using the Services, you may be required to register with us or create an account, either by way of our registration process or through a third party service such as Google. If you register by way of a third party service, personal information you provided to that third party, such as your name, email address and other information your account and privacy settings on that service allow us to access, will be used to create your account with us.


You may only use the Services in compliance with applicable federal, state, local and international laws, rules and regulations and our Acceptable Use Policy (“AUP”) described below. You agree that we have the right to investigate violations of these Terms and may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

You are solely responsible for your registration and account information and any data that you provide to us or via the Services (“Account Data”), and agree that you own or have the necessary rights, permissions and consents to all of your Account Data and that use of the Account Data does not infringe, misappropriate or violate any third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law, rule or regulation. You will own all of your Account Data. You agree to grant us a worldwide, non-exclusive license to access, use, export, process, copy, distribute, perform and display the Account Data, to provide, maintain and support the Services, to prevent or respond to security issues, to provide support or respond to technical issues, as required by law, as permitted by these Terms and/or our Privacy Policy, and as permitted by your instructions.

You are responsible for safeguarding your account credentials. You are also responsible for all of the activity within your account, whether or not you authorized that activity. We will not be responsible for any damages, losses or liability if credentials or any account is not kept confidential by you, or for an unauthorized third party logging into and accessing the Services. You should immediately notify us of any unauthorized access to or use of your account. We may review activity in connection with the Services for compliance purposes, but we have no obligation to do so. We aren't responsible for the content of any Account Data or the way you or your users use the Services to transmit, store or process any Account Data. If we believe, however, that there is a violation of these Terms, we may suspend or block the Services or take any steps that we determine appropriate, including with respect to Account Data, if we believe there is or may be a violation of any laws, rules or regulations or a risk of harm to us, the Services, other users or any third party.

By accessing or using the Services, you consent to the use of your Account Data in accordance with these Terms and the Privacy Policy, including being contacted via email or other electronic means in connection with the provision of the Services.

We may use our employees or independent contractors or those of our affiliates to perform our obligations under these Terms and to provide the Services, and we agree to remain responsible for their compliance with our obligations under these Terms.

If we use a third party video service processor, such as Zoom, to host an event, for instance, their terms and conditions (including their use of your personal information) is subject to their applicable terms of service and privacy policy. For Zoom, those terms are available at

You are under no obligation to use other services; however, without these third party services, we may not be able to provide all of the features or functionality of the Services.


The Services may be made available via registration, a signed agreement, an order form or via account sign-up and it may be for a fee or made available at no fee. If you enter into a signed agreement with us, in the event of any conflict between the terms of the signed agreement and these Terms, the terms of the signed agreement will prevail with respect to the term in conflict.

Please note that if any Services are provided for free, including reports, information or other content, such Services are provided for internal informational and personal purposes only and are not provided for commercial purposes. You are not permitted to commercialize or monetize such Services in any way without our express prior written consent.

Further, if any Services are provided for free, we reserve the right to make those Services, updates, upgrades, new versions, or other products that incorporate those Services (collectively, “Future Products”) available for a fee, and we will have no obligation to provide Future Products to you for free. Future Products may also be subject to separate fees and/or agreements for such Future Products. You acknowledge that you are responsible for all fees and expenses related to accessing or using the Services including internet service provider fees.


If any Services are ongoing, you may cancel your Services at any time with written notice to us, provided, however, if there are any fees due for the Services, you will remain responsible for payment of all fees for Services provided through the termination date. Fees are non-refundable and non-cancelable based on the Services that you ordered. We may terminate any ongoing Services you have registered for with notice to you.

Each of us may terminate any Services with notice to the other if the other materially breaches these Terms and such breach is not cured within thirty (30) days after the non-breaching party provides notice of the breach. Upon any termination for cause by you, if any pre-paid fees were paid, we will refund such prepaid fees covering the remainder of the then-current term of Services after the effective date of termination. Upon any termination for cause by us, you will pay any unpaid fees covering the remainder of then-current term of Services after the effective date of termination, if any.


In using the Services, you should refrain from any abusive, dangerous, or threatening behavior. We reserve the right to immediately suspend, block and/or terminate your access to or use of the Services if, in our sole discretion, such behavior is exhibited.

As a condition of your access to or use of the Services, you agree to:

Comply with the Terms (including this AUP);

Comply with all applicable laws, rules and regulations;

Upload and use only Account Data which you own or for which you have obtained all required rights, waivers, permissions and consents and in accordance with all applicable laws, rule and regulations;

Prevent unauthorized access to or use of the Services and keep registration information secure and confidential;

Promptly notify us if you become aware of or reasonably suspect any illegal or unauthorized activity or a security breach involving your account; and

Comply with all terms applicable to any third party products and services, including any that you elect to use along with the Services.

Further, as a condition of your access to or use of the Services, you agree not to:

Attempt to reverse engineer, decompile, disable, disassemble, modify, copy, translate, or disrupt the features, functionality, integrity, or performance of the Services, or sublicense, resell or time share the Services;

Upload to, or transmit from, the Services any data, file, software, or link that contains or redirects to a worm, virus, Trojan horse or other harmful code or a technology that unlawfully accesses or downloads content or information stored within the Services;

Violate any applicable law, rules or regulations, the privacy rights of any third party or use the Services to store or transmit any information that may infringe upon or misappropriate any third party intellectual property rights;

Post or transmit any Account Data or other content that is fraudulent or misleading;

Post, upload, share or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate;    

Impersonate any person or entity or misrepresent your affiliation with any person or entity;

Access, search, or use any software or other tool or method to access, search, or download any intellectual property from the Services by any means other than our approved interfaces (i.e., ‘scraping’);

Probe, scan, or test the vulnerability of any of our systems or networks, breach any security or authentication measures, or attempt to gain unauthorized access to the Services, systems or networks including to circumvent any software, security protections or monitoring of the Services;

Initiate a denial-of-service attack or a distributed denial-of-service attack, or otherwise attempt to interfere with the proper working of the Services;

Attempt to obtain personal information, or collect or record any information about users of the Services

Send or share any altered, deceptive or falsely sourced information, including ‘spoofing’ or ‘phishing’;

Use the Services in any manner that may harm any person or entity;

Engage in activity that incites or encourages violence or hatred, or that discriminates;

Access or use the Services in order to build a similar or competitive product or service; 

Use the Services except for your own personal and informational use; or 

Authorize, permit, enable, induce or encourage any third party to do any of the above.


We welcome your feedback. If you provide recommendations, suggestions, improvements or other feedback (collectively, “Feedback”), you agree that we will have a royalty-fee free, worldwide perpetual and irrevocable license and right to use, modify and incorporate such Feedback into the Services without restriction and without any obligation or compensation to you or any third party.


You may access or use the Services with third party products or services. Your use of those Services will be subject to the terms and conditions of such third parties, and you agree that you are using those products and services at your own risk. We do not provide any warranty or support for these products and services. Account Data, in some cases, may also be shared with the third party provider and used in connection with your access to those products and services. As such, we will not be responsible for any use, disclosure, modification or deletion of Account Data that is transmitted to, or accessed by, any third party products or services.


We and our licensors own all right, title and interest in and to the Services including all related intellectual property rights, and the content of our Services is protected by copyright laws and other intellectual property laws. Any content in the Services may be viewed, reformatted and printed for use solely as personal and informational reference, and except for such use as reference, the user shall not copy, modify, use, or distribute the content or any portion thereof in any way without the prior express consent of The Holding Co. All of our rights not expressly granted by us to you pursuant to these Terms are retained by us.


We both acknowledge that during the course of the transactions contemplated by these Terms, one of the parties (the “Disclosing Party”) may find it necessary or appropriate to share Confidential Information (as defined below) with the other Party (the “Receiving Party”). The Receiving Party will: (i) not use the Disclosing Party’s Confidential Information except for the exercise of its rights or performance of its obligations hereunder; (ii) not disclose such Confidential Information to any third party, other than its employees and consultants who have a “need to know” for the receiving party to exercise its rights or perform its obligations hereunder; and (iii) use at least reasonable measures to protect the confidentiality of such Confidential Information. If the Receiving Party is required by law to make any disclosure of such Confidential Information, the Receiving Party will first give written notice of such requirement to the Disclosing Party, and will permit the Disclosing Party to intervene in any relevant proceedings to protect its interests in the Confidential Information, and provide full cooperation to the Disclosing Party in seeking to obtain such protection. Information will not be deemed Confidential Information hereunder if such information: (1) is known or becomes known (independently of disclosure by the Disclosing Party) to the Receiving Party prior to receipt from the Disclosing Party from a source other than one having an obligation of confidentiality to the Disclosing Party; (2) becomes publicly known, except through a breach hereof by the Receiving Party; or (3) is independently developed by the Receiving Party without any use of or reference to the Disclosing Party’s Confidential Information.

“Confidential Information” means any information provided by one party to the other and concerning such Disclosing Party’s business or operations including, but not limited to, all tangible, intangible, visual, electronic, now existing or future information such as: (a) trade secrets; (b) financial information, including pricing of the Services; (c) technical information, including research, development, procedures, algorithms, data, designs, code, and know­how; (d) business information, including operations, planning, marketing interests, and products; and (e) all other information which would, due to the nature of the information disclosed or the circumstances surrounding such disclosure, appear to a reasonable person to be confidential or proprietary.







You will defend us and our affiliates and our respective employees, partners, officers, directors, agents, successors and assigns (collectively, the “Indemnified Party(ies)”) from and against any and all third party claims, actions, suits, proceedings, and demands arising from or related to your violation of the these Terms (including the or the AUP) (“Claim(s)”), and will indemnify the Indemnified Parties for all attorneys’ fees, damages and other costs incurred by any Indemnified Party in connection with or as a result of, and for amounts paid by an Indemnified Party under a settlement you approve in connection with, a Claim. We agree to provide you with notice of any Claim and allow you the right to assume the exclusive defense and control (at your own cost and expense), and agree to cooperate with any reasonable requests in assisting your defense and settlement of such Claim (any costs or expense of such cooperation to be borne and reimbursed by you). Notwithstanding the foregoing, any Indemnified Party may choose its own counsel if it pays for the cost of such counsel and you shall not enter into any settlement without the express written consent of the applicable Indemnified Party (such consent not to be unreasonably withheld).


Upon expiration or termination of these Terms, the following sections shall survive: “Compliance,” “Payment,” “AUP,” “Feedback,” “Third Party Products and Services,” “Ownership,” Disclaimers,” “Limitation of Liability,” “Indemnity,” Survival,” “Dispute Resolution,” and “General.”


Arbitration: In the interest of resolving disputes between us in the most expedient and cost-effective manner, and except as described below, we agree that any dispute arising out of or in connection with these Terms will be resolved by binding arbitration. YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, we ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.

Any arbitration between us will be settled under the Federal Arbitration Act and administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (collectively, "AAA Rules") as modified by these Terms. The AAA Rules and filing forms are available online at, by calling the AAA at 1-800-778-7879, or by contacting us. The arbitrator has exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement.

Notice of Arbitration and Process: A party who intends to seek arbitration must first send a written notice of the dispute the other party by certified U.S. Mail or by overnight courier (signature required) or, only if that other party has not provided a current physical address, then by electronic mail ("Notice of Arbitration"). our address for Notice is: NOTICES@THEHOLDING.CO. The Notice of Arbitration must:(a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so directly within 30 days after the Notice of Arbitration is received, either party may commence an arbitration proceeding in accordance with the procedures set forth herein. All arbitration proceedings between the parties will be confidential unless otherwise agreed by the parties in writing. During the arbitration, the amount of any settlement offer made by either party must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any.

Arbitration Fees: The AAA Rules will govern payment of all arbitration fees. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within fourteen (14) days of the arbitrator's ruling on the merits.

Exception to Arbitration: Notwithstanding anything to the contrary, nothing in these Terms will be deemed to limit the right of either party to:(a) bring an individual action in small claims court in any applicable US jurisdiction; (b) seek injunctive relief in a court of law in aid of arbitration; or (c) to file suit in a court of law to address an intellectual property infringement claim.

NO CLASS ACTIONS:  TO THE EXTENT PERMITTED BY APPLICABLE LAW, WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both of us agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.


International Users. The Services are intended for visitors located within the United States. We make no representation that the Services are appropriate or available for use outside of the United States. Access to the Services from countries or territories or by individuals where such access is illegal is strictly prohibited.

Revisions to the Terms. We may revise the Terms from time to time. The current version of the Terms will be posted on our Terms page, so please check back regularly. By continuing to use the Services after revisions become effective, you are agreeing to the revised Terms. If you do not agree to the revised Terms, please cease use of the Services.

Assignment. You may not assign these Terms or any Services or any rights hereunder, whether by assignment, transfer or otherwise, without our prior written consent in each instance. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their respective successors and permitted assigns. Any assignment made in violation of these Terms will be null and void.

Independent Contractor. The parties are independent contractors and neither party an agent, partner, joint venturer, or employee of the other party.  These Terms shall not be interpreted or construed to (i) create an association, joint venture, partnership, agency, trust, lease of property or similar arrangement or relationship between the parties, or (ii) impose any partnership, agency, fiduciary, trust or similar type of obligation or duty on either party.

No Third Party Beneficiary. No person other than the parties hereto will be entitled to any of the benefits of these Terms or be deemed to acquire any rights hereunder.

Export Compliance. The Services may be subject to export laws and regulations of the United States and other jurisdictions. You represent that you are not named on any U.S. government denied-party list. You shall not use the Services in violation of any U.S. export law or regulation.

Force Majeure. Neither party shall be liable under these Terms by reason of any failure or delay in the performance of its obligations here under on account of strikes, shortages, riots, insurrection, fires, flood, storm, explosions, acts of God, war, governmental action, labor conditions, earthquakes, material shortages, pandemic, or any other cause beyond the reasonable control of such Party; provided, that:  (i) the party affected by such force majeure event, as soon as reasonably practicable after obtaining knowledge of the occurrence of such event, gives the other prompt notice describing the event; (ii) the suspension of or extension of time for performance is of no greater scope and of no longer duration than is required by the force majeure event; and (iii) the party affected by such force majeure event uses all reasonable efforts to mitigate or remedy its inability to perform as soon as reasonably possible.

Waiver. No waiver of any breach of these Terms will(a) be effective unless it is in a writing which is executed by the party charged with the waiver, or (b) constitute a waiver of a subsequent breach, whether or not of the same nature. All waivers will be strictly construed. No delay in enforcing any right or remedy as a result of a breach of these Terms will constitute a waiver thereof.

Severability. In the event any one or more of the terms or provisions contained in these Terms or any application thereof will be declared by a court of competent jurisdiction to be invalid, illegal or unenforceable in any respect, then (i) such term or provision shall be adjusted or limited to the minimum extent necessary to cure such invalidity or unenforceability, and(ii) the validity, legality and enforceability of the remaining provisions of these Terms or any application thereof will not in any way be affected or impaired.

Notices. Except as otherwise set forth herein, all notices under these Terms will be by email or provided by us by way of the Services. All notices to us should be sent to Notices will be deemed to have been duly given the same day in the case of notices provided by us by way of email or the Services.

Entire Agreement. Except as otherwise expressly stated in these Terms or a separate written agreement signed by you (or your organization) and The Holding Co., these Terms and our Privacy Policy set forth the entire and final agreement between the parties and supersedes all prior and contemporaneous agreements, proposals or representations, written or oral, concerning its subject matter, and no terms or conditions in your purchase order, or other online or clickthrough terms provided by you, or any other order documentation provided by you will be incorporated into or form any part of these Terms, and all such terms or conditions will be null and void.

Notice to California Residents. If you are a California resident, under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Services or to receive further information regarding use of the Services.