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Welcome to Learn to Live, Blue Cross and Blue Shield of Illinois Members
The Learn to Live Programs
Social Anxiety
Do you feel isolated? Is it too difficult or awkward to voice your point of view? Social anxiety has a history of creating barriers that keep us from the lives we want to live. Using the highly effective tools of Cognitive Behavioral Therapy (CBT), we can help you learn to live.
Depression
Depression affects almost 10% of people each year. Because the root causes of depression are different than those for anxiety, Learn to Live has developed a program specifically for depression. This program applies the same proven CBT principles to help people change unhelpful thought and behavior patterns.
Stress, Anxiety & Worry
Painful stress, anxiety and worry affect up to 30% of the population each year. Stopping the worry cycle can sometimes seem impossible. Learn to Live has developed a program to help individuals overcome their anxiety struggles and refresh their lives.
Insomnia
Do you have difficulty sleeping? Do you find yourself laying awake at night, unable to get adequate sleep? If you answered yes, then this is the program for you. You'll learn how to harness your fatigue to help you sleep better. You'll find tools to help you let go of the stress and worry that so often contribute to insomnia.
Substance Use
Sometimes concerns about alcohol or drug use can sneak up on us. If that's your experience, you aren't alone. It happens to 1 in 10 of us every year. And it can turn our lives, jobs and relationships upside down. Learn to Live's Substance Use program offers proven CBT tools that have helped many out of this trap.
Panic
Do you suffer from repeated episodes of intense fear, accompanied by physical sensations like rapid heartbeat, chest pains or difficulty breathing? Every year, up to 11% of Americans experience a panic attack and 3% go on to develop significant panic problems. Don’t allow panic to run your life. Learn to Live’s Panic program offers proven CBT tools that will help you reclaim your life.
Resilience
Do you want to be able to bounce back from life’s setbacks more easily? Do you want to communicate better and build more helpful daily habits? Learn to Live’s comprehensive Resilience program provides you with tools and strategies to grow your optimism and strength so that you can live a healthy, meaningful life.
The Learn to Live Programs
Social Anxiety
Do you feel isolated? Is it too difficult or awkward to voice your point of view? Social anxiety has a history of creating barriers that keep us from the lives we want to live. Using the highly effective tools of Cognitive Behavioral Therapy (CBT), we can help you learn to live.
Depression
Depression affects almost 10% of people each year. Because the root causes of depression are different than those for anxiety, Learn to Live has developed a program specifically for depression. This program applies the same proven CBT principles to help people change unhelpful thought and behavior patterns.
Stress, Anxiety & Worry
Painful stress, anxiety and worry affect up to 30% of the population each year. Stopping the worry cycle can sometimes seem impossible. Learn to Live has developed a program to help individuals overcome their anxiety struggles and refresh their lives.
Insomnia
Do you have difficulty sleeping? Do you find yourself laying awake at night, unable to get adequate sleep? If you answered yes, then this is the program for you. You'll learn how to harness your fatigue to help you sleep better. You'll find tools to help you let go of the stress and worry that so often contribute to insomnia.
Substance Use
Sometimes concerns about alcohol or drug use can sneak up on us. If that's your experience, you aren't alone. It happens to 1 in 10 of us every year. And it can turn our lives, jobs and relationships upside down. Learn to Live's Substance Use program offers proven CBT tools that have helped many out of this trap.
Panic
Do you suffer from repeated episodes of intense fear, accompanied by physical sensations like rapid heartbeat, chest pains or difficulty breathing? Every year, up to 11% of Americans experience a panic attack and 3% go on to develop significant panic problems. Don’t allow panic to run your life. Learn to Live’s Panic program offers proven CBT tools that will help you reclaim your life.
Resilience
Do you want to be able to bounce back from life’s setbacks more easily? Do you want to communicate better and build more helpful daily habits? Learn to Live’s comprehensive Resilience program provides you with tools and strategies to grow your optimism and strength so that you can live a healthy, meaningful life.
How the Learn to Live program works
A step-by-step guide to how we can help
Identify the problem
Life provides us with plenty of opportunities to feel stressed and worried, like relationships, health, work and finances. It’s normal to feel sad, lonely, afraid, nervous or anxious. If those feelings don’t seem to go away, it may be an indication of an issue with anxiety or depression.
We'll help you identify the thoughts and behavior patterns that perpetuate your issues, so you can work through them. You don't have to stay anxious and lonely. Your world can get bigger.
Understand how your mind works
Sometimes our own thoughts become too focused on perceived threats and our sense of helplessness. When we experience depression or anxiety, these thinking patterns become our norm. We worry that we will be miserable and stuck, and we start avoiding the things in life that would help us be more resilient.
Our programs are designed to help you recognize your fears and stressors, and understand how to deal with the thoughts and behavior patterns that are keeping you anxious or down.
Learn ways to deal with the problem
The Learn to Live programs are divided into eight lessons, each describing new ideas like Thought Inspection, Fear-facing and Goal Setting to help you develop new healthy habits. You’ll listen to Dr. Russ explain the thought processes and behaviors that get you stuck, and introduce the powerful tools of CBT in his quirky and engaging way. And learn to how to live the life you’ve been longing for.
Practice...repeat...
Once you have the know-how, it's time to put it to work. Your homework provides you the opportunity to practice your new thinking and living on a daily basis.
We help you set your goals and track your progress from your personalized dashboard. We also help you identify the support you need to reach your goals: a Learn to Live coach, people you already know - your Teammates™, or others in the community who are on the same path.
Live the life you want to
By the end of the program, you will have learned to inspect your thoughts and change your behavior patterns, and will have taken the first steps towards becoming more engaged in your life.
You will be able to manage your thoughts, actions, and attention in more situations. You’ll have the tools and capabilities you need to truly live and maintain the life you've always wanted to live.
The Science of Cognitive Behavioral Therapy (CBT)
Hundreds of studies have shown that CBT is a powerful solution to problems like anxiety and depression. When CBT tools are delivered online, they're as effective as face-to-face sessions, making this a smart option for those who prefer online to in-office meetings.
"The simplicity, accessibility, and effectiveness of Internet-based CBT make it a powerful tool."
– Gavin P. Andrews MD, professor of psychiatry at the University of New South Wales, cited in Clinical Psychiatry News, 6/11/2011
"Five studies comparing computerized CBT with traditional face-to-face CBT were identified, and both modes of treatment appeared equally beneficial."
– Cuijpers et al. PLoS ONE 5(10): e13196
"Computerized CBT for anxiety and depressive disorders, especially via the internet, has the capacity to provide effective acceptable and practical health care for those who might otherwise remain untreated."
– Cuijpers et al. PLoS ONE 5(10): e13196
"There is also good evidence that self-help internet interventions improve symptoms."
– Foroushani, Schneider & Assareh BMC Psychiatry 2011, 11:131
What Our Members Are Saying
I can happily walk down a street or go shopping without feeling that crushing sense of self-consciousness and fear of what people think of me. I have no qualms about picking up a phone and talking to a stranger. I initiate 90% of my conversations with strangers, friends, and family.
Rather than fearing social settings, I now look at them as ‘challenges’ and find I actually end up enjoying being in these situations."
Taylor K.
I really enjoyed the tips in the Lessons. I liked that the Dr. Russ tips involve a personal situation example and I’m not just asked to brainstorm. It made me feel less alone in my social anxiety."
Joe F.
If you would have told me three years ago that I would be anxiety free and eating in restaurants like everyone else, I would have laughed and thought you were making a cruel joke. I had nearly accepted that this was my lot in life, but it’s certainly not true. Take the Learn to Live social anxiety program seriously, and your life will change seriously. It did for me!"
Watch Heidi's testimonial video or read her blog post.
Heidi W.
Lesson 6 was probably my favorite. It was interactive, fun, educational, and helpful. I felt like the Lesson really emphasized me taking control of my life."
Jennifer R.
Meet Dr. Russ
Dr. Russell Morfitt is a respected psychologist from Minnesota. A compassionate professional with over 20 years of experience, Dr. Russ is also a proud father, avid foosball player, and connoisseur of bacon cheeseburgers. His passion is to help you understand your personal struggles and to teach you the tools to manage them.
From Learn to Live's BlogView All Posts
What is this?
Check to see if you have access through your employer, health plan (e.g., member portal), organization or academic institution. If you received a code from your organization, enter it here to gain access to the programs.
Terms of Use
Learn to Live Inc. (“we”, “us”, “our” or the “Company”) operates the site located at www.learntolive.com and other online platforms, including a native mobile application (collectively the “Site”) providing, among other services, self-help information and skill development based on the fundamentals of Cognitive Behavioral Therapy to educate people regarding behavioral health and related issues and various Community Forums, as defined and addressed below (each a “Service” and collectively “Services”). The Site and the Services should be regarded as a general approach to self-development and not as professional medical advice, diagnosis or treatment.
Applicability
By accessing and using the Site, any portion of the Site, or any Service, you agree to be bound by these Terms of Use and all applicable laws and regulations governing the Site. If you do not agree with the Terms of Use, you are not authorized to access or use the Site or use a Service for any purpose. Additional terms and conditions applicable to specific areas of the Site or to particular transactions are also posted in particular areas of the Site and, together with these Terms of Use, govern your use of those areas. If you do not agree with any of these additional terms and conditions, you are not authorized to access or use those areas of the Site.
Use of the Site
The Company grants you permission to use the Site for your personal, non-commercial purposes. Your use of the Site is further limited as follows:
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User Representation
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Changes in Terms of Use
We reserve the right to modify these Terms of Use at any time. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. The last date these Terms of Use were revised is noted at the end of these Terms of Use.
Medical Advice
The text, graphics, images, videos, and other material contained on the Site (excluding Submissions, as defined below) are referred to as the “Content.” The Content is for informational and skill development purposes only. The Content should be regarded as a general approach to self-development and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. The Site is not designed to treat clinical levels of mental health disorders. The diagnosis and treatment of mental health disorders requires a medical practitioner or qualified mental health practitioner. People seeking a diagnosis or treatment of mental health disorders should consult a medical practitioner or mental health professional. This Site and the Services do not constitute the practice of any medical, nursing or other professional health care advice, diagnosis or treatment.
Always seek the advice of a medical practitioner or qualified mental health practitioner with any questions regarding personal health or medical conditions. Never disregard, avoid or delay in obtaining medical advice from your medical practitioner or qualified mental health practitioner because of something you have read on this Site.
If you think you may have a medical emergency, call your doctor, the 988 Suicide and Crisis Lifeline, or 911 immediately. The Company does not recommend or endorse any specific tests, providers (including, but not limited to, hospitals and physicians), products, procedures, or other information that may be mentioned on the Site. Any opinions expressed on the Site are the opinions of the individual author, not of the Company. Reliance on any information provided by the Company, its employees, others appearing on the Site at the invitation of the Company, or other visitors to the Site is solely at your own risk.
Communications between you and the Company are subject to the provisions by our Privacy Policy, but are not protected by any healthcare provider-patient privilege or confidentiality laws applicable to healthcare providers. We cannot provide medical advice and can only provide self-help services at your specific direction.
License to Use
We grant you a limited, personal, non-exclusive, non-transferable license to use our Content for your own personal, non-commercial use. Except as otherwise provided, you acknowledge and agree that you have no right to modify, edit, copy, reproduce, distribute, publicly display or perform, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Content in any manner, except for modifications in filling out the forms for your authorized use. You shall not remove any copyright notice from any form.
Intellectual Property
The Service, the Site, and the Content are protected by U.S. and international copyright, trademark and other laws, and belong to the Company or its partners, affiliates, contributors or licensors. This protection includes the use of the trademark name “Learn to Live” and the Learn to Live logo. The use or misuse of the Content, except as provided in these Terms of Use or in any additional terms and conditions applicable to specific areas of the Site, is strictly prohibited. You may use the Site, the Service and the Content solely for your personal, non-commercial use as follows: You may print copies of the information on the Site for your personal, non-commercial use, or store the files on your computer for personal, noncommercial use. You may not otherwise copy, distribute or display any Content without express written consent from the Company. Subject to the limited license granted herein, we reserve all right, title and interest in all Content. If any portion of the Terms of Use is violated, the limited license for your usage of this Site is revoked, and all Content in your possession must be deleted or destroyed.
With the exception of the personal, noncommercial use described above, no Content may be reverse-engineered, decompiled, disassembled, reproduced, retransmitted in any form or by any means (electrical, mechanical, photo reproduction, recordation or otherwise), stored in a retrieval system, translated into a computer language or other language, transcribed, resold, or redistributed without prior express written consent by Company.
Registration and Account-Holder Obligations
Users of this Site may choose to set up an account to access certain functionality of the Site (such as learning modules and our native mobile app). To participate in a Community Forum (as defined and addressed below) each user must register with the Site and setup login credentials as instructed on the Site. Users will be asked to supply personally identifiable information when opening an account or registering with the Site. Failure to comply with these Terms of Use could result in the termination of the user’s account.
Community Forums
The Site may contain chat areas and online forums, which may be organized by subject matter (each a “Community Forum” and collectively “Community Forums”), designed to enable you to post Submissions (as defined below) and communicate with other users of a Community Forum. By using a Community Forum, users agree to adhere to our Community Code of Conduct, found by clicking here. Users of a Community Forum must exercise common sense and courtesy in submitting comments, messages, and materials (each a “Submission” and collectively “Submissions”) to, and otherwise participating in, a Community Forum and agree to use Community Forums only to post Submissions that are proper and related to the particular Community Forum and adhere to our Community Code of Conduct. By way of example, and not as a limitation, you agree that when using a Community Forum, you will not:
- Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others including, without limitation, engaging in activity that incites discrimination, hate or violence towards a person or group.
- Post any inappropriate, profane, obscene, indecent or unlawful topic or Submission.
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- Post any Submission that violates any copyright, trademark, patent, trade secret, confidentiality obligation, or other intellectual property or proprietary right of any party.
- Upload files (or other Submissions) that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or network.
- Spam, solicit, advertise, or offer to sell or buy any goods or services.
- Conduct or forward surveys, contests, pyramid schemes or chain letters.
- Post any Submissions that are false or misleading or employ a false identifier to impersonate any person or entity or to disguise the true origin of any Submissions.
- Restrict or inhibit any other user from using a Community Forum.
- Harvest or otherwise collect information about others, including email addresses, without their consent.
- Violate any applicable laws or regulations.
Company may, directly or through a service provider, monitor the Community Forums. Company, directly or through a service provider, reserves the right to review Submissions posted to a Community Forum and to remove any Submissions, in whole or in part, in its sole discretion. Company reserves the right to terminate your access to the Site, Services, Content, Submissions, and any or all of the Community Forums at any time without notice for any reason whatsoever. Company may, directly or through a service provider, respond to Submissions in a Community Forum and take all actions it considers necessary based on a Submission, which may include, without limitation, contacting a user by phone or email. Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request. Company further reserves the right to edit or refuse to post any Submission, in whole or in part, in Company’s sole discretion. We highly discourage you from providing any personally identifying information about yourself in any Community Forum.
Submissions are not to be relied on as professional medical advice, diagnosis or treatment. Company does not control, endorse, approve, or recommend any Submission and inclusion in a Community Forum should not be considered an endorsement, approval, or recommendation. The views expressed in a Submission are those of the individual who posted the Submission and should not be considered as representing the views of the Company. Company specifically disclaims any liability with regard to the Community Forum and any actions resulting from your participation in any Community Forum.
By participating in a Community Forum, you agree to receive email notifications when a user posts a Submission in the Community Forum and other communications relating to Community Forums and Submissions. Users may control the email notification settings in the user’s account settings once logged into the Site.
User Supplied Material
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Disclaimer of Warranties
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The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, GOVERNORS OR DIRECTORS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, THE SERVICE, OR THE CONTENT, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE SERVICE, THE CONTENT, OR THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE COMPANY IS NOT LIABLE TO ANY USER OR PERSON FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE UPON INFORMATION OR CONTENT DISPLAYED OR PROVIDED IN THIS SITE.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE COMPANY’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT COMPANY'S LIABILITY SHALL, IN NO EVENT, EXCEED $1,000.00.
ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OF USE, THIS SITE, THE SERVICE OR CONTENT MUST BE BROUGHT WITHIN ONE YEAR OF THE EVENT FROM WHICH THE CLAIM AROSE. COMPANY SHALL HAVE NO LIABILiTY FOR CLAIMS NOT ASSERTED DURING THIS PERIOD.
Indemnification
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Errors and Inaccuracies
The information in the Site may contain typographical errors or other errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. We do not, however, guarantee that any errors, inaccuracies or omissions will be corrected.
Links to Third Party Sites
As a convenience to Site users, we may provide hypertext links to third party sites. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by the Company of the third party, the third-party site, or the information contained therein. You acknowledge and agree that the Company is not responsible for the availability of any such site, and that the Company does not endorse or warrant, and is not responsible or liable for, any such site, its content, its privacy policy or practices, or the acts or omissions of its operators.
Charges and Billing
In connection with your access to or use of certain areas of this Site, purchase of products offered through this Site, or the Service, you may be responsible for providing a valid credit card number, expiration date, and card security code from the back of the card at the time you purchase a product or service. You represent and warrant that you are an authorized user of such credit card, and you agree to pay all charges resulting from your purchase of the products or services on this Site at the charges then in effect, including any unauthorized charges incurred prior to your notifying us of such charges. You agree that the Company may provide your credit card information and related personal information to its designated service provider(s) for its use in charging you for appropriate products or services. All charges include sales tax where applicable and any other applicable taxes related to the purchase of the products or services. We reserve the right to modify prices, fees, or institute new charges at any time with at least 30 days’ notice. You understand that products or Services may not be provided if the credit card information you provide is inaccurate or invalid.
These Terms of Use, together with any purchase terms we require related to a Service or product that you may purchase from us, are the entire agreement between you and us relating to the subject matter herein. If you are a purchaser of one of our Services or products, in the event of any conflict between these Terms of Use and the purchase terms for such Services or products, the applicable purchase terms will control.
Geographic Limitations on Use
Like most Internet sites, this Site is accessible worldwide. However, not all products or Services are available to all persons or in all geographic locations. The Company reserves the right to limit the provision of its products and Services to any person, geographic area, or jurisdiction. Any Services identified on the Site is only available where the Company, or any other entity offering the products or Services on the Site, is licensed or authorized to do business. Please consult the Company directly for information regarding the products and Services that may be available to you in your area. This Site is not intended for use outside the United States of America. You agree to comply with all applicable laws and local rules or restrictions relating to this Site.
Personal Information and Privacy Policy
The Company may monitor, record, collect and use for any lawful purpose information generated through your use of the Site. The Company’s collection and use of such information is described in our Privacy Policy. Your obligations under these Terms of Use are in no way conditioned on the Company’s compliance with the terms of the Privacy Policy.
Copyright Agent
We respect the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide the following information in writing to the Company’s Copyright Agent:
- a physical or electronic signature of a person authorized to act on behalf of the owner of the copyright.
- a description of the copyrighted work that you claim has been infringed.
- a description of the material that you claim to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information sufficient to permit us to locate the material.
- information so that we can contact you, such as address, telephone number and e-mail address.
- a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
- a statement that the information in the notification is accurate and, under penalty of perjury, that you are the copyright owner or are authorized to act on behalf of the owner of a copyright that is allegedly infringed.
The Company’s Copyright Agent can be reached as follows:
Learn to Live, Inc.
30 S 9th Street
7th Floor
Minneapolis, MN 55402
Attn: Copyright Agent
Upon the Company’s receipt of a proper notice of claimed infringement under the Digital Millennium Copyright Act (“DMCA”), we shall respond expeditiously to follow the procedures specified in the DMCA to resolve the claim between the notifying party and the alleged infringer who provided the content in issue, including, where applicable, removing, or disabling access to content claimed to be infringing or by removing or disabling access to links to such content.
COPPA Compliance
In compliance with the Children’s Online Privacy Protection Act (“COPPA”) the Company does not knowingly allow access to the Site, Service or Content to persons under age 13. If you are under age 13, you are not authorized to post any personal information about yourself to the Site or provide any personal information about yourself to Company. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that the Company might have any information from a child under age 13, please contact us at the address set forth above in the “Copyright Agent” section.
Your Suggestions
We appreciate your feedback or other suggestions about the Site, the Service and the Content, but you understand that we may use your feedback or other suggestions without any obligation to compensate you for them.
International Users
The Site is controlled and operated within the United States. If you are a user of the Site outside the United States, you consent to having your personal data transferred to and processed in the United States. The Company makes no representation that content, materials or products available on or through the Site are appropriate or available for use outside of the United States. If you access the Site from a location outside the United States, you are responsible for compliance with applicable laws, including U.S. export laws and regulations.
General Provisions
You shall comply with all applicable laws, statutes, ordinances and regulations regarding your use of the Site, the Service and the Content and your offer to purchase products and/or Services. These Terms of Use shall be governed by and construed in accordance with the laws of the State of Minnesota, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to the terms of these Terms of Use shall be filed only in a state or federal court located in Hennepin County, Minnesota. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
If any provision of these Terms of Use shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.
These Terms of Use, together with the Privacy Policy and the Subscription Agreement, represent the entire understanding of the parties regarding the use of the Site, the Service and the Content and supersede any previous documents, correspondence, conversations, or other oral or written understanding related to these Terms of Use. To review our Privacy Policy, click here.
These Terms of Use shall not be modified except as otherwise set forth herein. You may not transfer any of your rights or obligations under these Terms of Use to any third party without the prior written consent of the Company.
All of our rights and obligations under these Terms of Use are freely assignable by the Company in connection with a merger, acquisition, or sale of assets, or by operation of law or otherwise. These Terms of Use do not confer any third party beneficiary rights. No waiver of any term, provision or condition of these Terms of Use, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or shall constitute, a waiver of any other term, provision or condition hereof, whether or not similar, nor shall any waiver constitute a continuing waiver of any such term, provision or condition hereof. No waiver shall be binding unless executed in writing by the party making the waiver. You agree that you will take such further action, that may be necessary or appropriate to effectuate the purposes of these Terms of Use.
General Contact Information
If you have any questions about these Terms of Use, the Site, the Service, or the Content, you may contact us by:
- sending an email to: support@learntolive.com
- sending a letter via U.S. mail to:
Learn to Live, Inc.
30 S 9th Street
7th Floor
Minneapolis, MN 55402
The English version of this agreement predominates in all aspects and cases of inconsistency with the translated versions, if those exist.
Date of last modification
December 31, 2023
Privacy Policy
Learn to Live, Inc. (“we”, “us”, “our” or the “Company”) is committed to protecting your privacy. We strive to develop innovative services to better serve our users. We recognize that privacy is an important issue, so we design our services with the protection of your privacy in mind. This Privacy Policy outlines the types of personal information we gather when you use Company’s services, as well as some of the steps we take to safeguard it.
This Privacy Policy applies to www.learntolive.com and any other websites operated by the Company, as well as our native mobile application (collectively, the “Site”) and the Company’s treatment of your personally identifiable information (“Personal Information”) and other data that the Company gathers when you are accessing the Site or using the Service (as defined in the Company’s Terms of Use). By using and visiting this Site, you signify your agreement to be bound by and to abide by: (1) this Privacy Policy; and (2) the Terms of Use found at www.learntolive.com (“Terms of Use”). If you do not agree to the Terms of Use and this Privacy Policy, please do not use the Site.
By providing the information requested by the Site, or by continuing to use the Site after having an opportunity to review the Privacy Policy, you have consented to the terms of the Privacy Policy, and the Company’s use of the information it collects as described at the point of collection or in this Privacy Policy. If you do not agree to the Privacy Policy, you may not use the Site.
This Site is not intended for use outside the United States of America.
Data collection
We collect information that your browser makes available whenever you visit a website. This log information includes your Internet Protocol address, browser type, browser language, the date and time of your query, session navigation and activity data, and one or more cookies that may uniquely identify your browser. We use this information to operate, develop and improve our Services.
Some of our Services may require you to register for an account. We ask you for some personal information in order to create an account (typically first name, last name, e-mail address, age, gender identity, and a password for your account) and we will use that information to provide the Service. We may ask for additional pieces of information, such as ethnicity, which are optional for you to provide. This Privacy Policy applies to all data that you choose to provide. For certain Services, such as our online tutorial program, we may request credit card or other payment information which we maintain only as long as needed in encrypted form on secure servers in accordance with applicable law.
If you post Submissions (as defined in the Terms of Use) or otherwise leave comments on the Site, information associated with that Submission or comment, such as your user name and the time of the post, may be saved. While we discourage the sharing of personal information in Community Forums, as defined in the Terms of Use, (see our Learn to Live Community Code of Conduct), if you do provide personal information as part of Community Forum that personal information will be accessible to other participants in the Community Forum. Information may also be collected from our online customer support services (such as your chat communications, which we monitor for quality assurance purposes).
Cookies
Upon your first visit to our Site, a cookie is sent to your computer that uniquely identifies your browser. A “cookie” is a small file containing a string of characters that is sent to your computer when you visit a website. We use cookies to improve the quality of our service and to better understand how people interact with us. The Company does this by storing user preferences in cookies and by tracking user trends and patterns of how people search. Most browsers are initially set up to accept cookies. You can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some of our Site features or services may not function properly without cookies.
Google Analytics
Google Analytics employs cookies to define user sessions, which allows for the collection of important data about how you are using the Site. Google Analytics uses only first-party cookies for data analysis. This means that the cookies are linked to our website domain(s), and Google Analytics will only use that cookie data for statistical analysis related to your browsing behavior on the Site. According to Google, the data collected cannot be altered or retrieved by services from other domains. If you choose, you can opt out by turning off cookies in the preferences settings in your browser. For more information on Google Analytics, please visit Google’s web site.
Information sharing
We do not rent or sell your personally identifying information to other companies or individuals, unless we have your consent. We may share your personally identifiable information in any of the following limited circumstances:
- We may disclose personally identifiable information to third party service providers (including, without limitation, service providers that monitor Community Forums) that process personally identifying information on our behalf. When this is done, it is subject to agreements that oblige those parties to process such information only on our instructions and in compliance with this Privacy Policy and appropriate confidentiality and security measures.
- We may disclose personally identifiable information if we conclude that we are required by law or regulation or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of the Company, its users or the public.
- We may disclose personally identifiable information among all of our Services to affiliated companies in order to provide you with a seamless experience and to improve the quality of our Services.
- We may store and process personal information collected on our site in the United States. By using our services, you consent to the transfer of your information among these facilities. Because Learn to Live is not a medical or therapy service, we do not maintain medical records. If you need documentation of a diagnosis, we recommend that you consult with your treating health care provider(s) or find a provider that can provide you with a diagnosis.
- In the event of an actual or potential transfer of ownership of the Company, such as acquisition by or merger with another company, we may disclose personal information to the actual or potential buyer and we will provide notice before any personally identifying information is transferred and becomes subject to a different privacy policy.
- We may share anonymized aggregated information with others. Examples of this include the number of users who searched for “Social Anxiety” or how many users clicked on a particular advertisement.
- We may use anonymized aggregated information in reporting on our programs to show effectiveness and identify areas for improvement.
- If you get access to Learn to Live through a health benefit plan insured or administered by Health Care Service Corporation (HCSC), we may disclose your personally identifiable information to HCSC clinicians or other individuals authorized to receive such information. HCSC will use the information in accordance with applicable privacy notices and U.S. laws and regulations.
Information security
We take appropriate and reasonable security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data.
We restrict access to your personally identifying information to employees who need to know that information in order to operate, develop or improve our Services.
However, no website can be considered totally safe from intrusion. Therefore, any information you post to or provide via the Site is entirely at your own risk, and you agree to hold the Company harmless from and against any loss, liability, damage, or harm that may arise as a result of your posting or providing any information to or via the Site. In addition, you are solely responsible for maintaining the physical security of your devices, such as your laptop, tablet, and mobile phone. We strongly recommend using complex passwords on all your devices.
Links
The sites displayed as search results or linked to by the Company’s services are developed by people over whom we exercise no control. These other sites may place their own cookies on your computer, collect data or solicit personal information.
We may present links in a format that enables us to understand whether they have been followed. We use this information to understand and improve the quality of the Company’s search technology. For instance, this data helps us determine how often users are satisfied with the first result of a query and how often they proceed to later results. In addition, we partner with mobile application marketplaces (such as the iOS App Store and Google Play) to offer our native mobile application, and you acknowledge that we have no control over these marketplaces.
Do Not Track
Presently the Site does not honor “do not track” settings on web browsers and does not offer you the opportunity to request that we not track your use of its Services.
Changes to this Policy
Please note this Privacy Policy will change from time to time. We expect most such changes to be minor, but there may be changes that are more significant. Regardless, we will post those changes on this page and, if the changes are significant, we will also provide a more prominent notice. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Privacy Policy as modified. For this reason, we encourage you to review the Privacy Policy whenever you use the Site. The last date the Privacy Policy was revised is set forth below.
Disclaimer of Liability
Under no circumstances shall the Company be liable for any damages, including, but not limited to, direct, indirect, special, incidental, consequential or exemplary damages, that result from the use of the information or materials posted to or collected as a result of the user’s accessing the Site or any service available on or through the Site, even if we have been advised of the possibility of such damages.
Children
You represent and warrant that you are at least 13 years of age or older. If you are age 13 or older but under the age of 18, you should review this Privacy Policy with your parent or guardian. If you are age 13 or older, your parent or guardian must understand and agree with this Privacy Policy and consent to your use of this Site in accordance with this Privacy Policy.
Enforcement/Redress
If for some reason you believe that the Company has not adhered to the Privacy Policy, please notify us using the contact information below. We will do our best to respond to your concerns and, when appropriate, take steps to correct a problem. In any event, if any dispute arises under this Privacy Policy or through your use of the Site, you agree to be bound by the venue and choice of law provisions of the Terms of Use.
Contact Information
If you have any questions about this Privacy Policy or the practices described herein, you may contact us at:
Learn to Live, Inc.
30 S 9th Street
7th Floor
Minneapolis, MN 55402
e-mail: support@learntolive.com
The English version of this agreement predominates in all aspects and cases of inconsistency with the translated versions, if those exist.
DATE OF LAST MODIFICATION
December 31, 2023
System Requirements
Browser requirements:
Updated version of Chrome, Firefox, Safari, Internet Explorer, or Edge.
Other requirements:
Adobe Reader (required to view PDF files); desktop computer, laptop computer or tablet.
Turning your audio on and having occasional access to a printer are recommended to maximize your experience.
Subscription Agreement
This Subscription Agreement (“Agreement”) is by and between Learn to Live, Inc., a Minnesota corporation (“we”, “us”, “our” or the “Company”) and the subscriber (“you” or “Subscriber”), a natural person.
Recitals
- The Company operates the portions of the site located at www.learntolive.com, and a native mobile application that are specific to users who obtain access to our services through Health Care Service Corporation and who create an account (the “Site”) providing, among other services, self-help information and skill development based on the fundamentals of Cognitive Behavioral Therapy to educate people regarding behavioral health and related issues (the “Service” or “Services”).
- The contents of the Site, such as text, graphics, images, and other material contained on the Site (“Content”) are for informational and skill development purposes only. The Site, the Content, and the Services should be regarded as a general approach to self-development and not as professional medical advice, diagnosis or treatment.
- Subscriber wishes to purchase access to certain programs available on the Site.
- The Company wishes to make available the Content and the Service to Subscriber according to the terms and conditions set forth herein.
Term, Fee, and Payment
The Company shall provide Subscriber access to the Programs selected by Subscriber for the period of time (the “Subscription Period”) and for the fee (the “Fee”) specified in the enrollment process. If you are accessing the Programs through an employer-sponsored plan or health plan, the fee may be zero. After the expiration of the Subscription Period, Subscriber may choose to enroll for the period and the Fee options available on the Site. As applicable, Subscriber may choose to allow Learn to Live to process payment of the Fee as an approved merchant, or may choose to use Subscriber’s own PayPal account to process payment.
Termination
The Company may terminate this Agreement, effective immediately, in the event Subscriber breaches this Agreement or the Terms of Use. Upon termination, Subscriber shall destroy all copies of the Content or other downloadable components of the Site. Company makes no guarantees of success or that your use of the Content will result in any particular outcome. Company will not issue a refund of the Fee in the event that Subscriber is unsatisfied or this Agreement is terminated for any reason.
Programs
In exchange for the payment of the Fee to the Company, Subscriber will receive access to the following Programs available on the Site:
- All lessons within their selected program.
- At no additional charge, any and all updates to the foregoing lessons and modules during the Subscription Period.
Technology Requirements
- Operating System: Microsoft Windows (7, 8, and 10), Mac OS X, and Linux.
- Internet Browsers: Internet Explorer (version 11 and up), Edge, Firefox (version 50 and up), Safari (version 3 and up), Chrome, and Opera.
- Mobile: iOS (iPad, iPad2, iPhone, iPod touch, etc.) and Android devices are supported.
- Internet Connection: A high speed internet connection is recommended for superior performance (i.e., cable, DSL, 4G, LTE, etc.).
- See the technology requirements set forth here
Changes in Subscription Agreement
We reserve the right to modify this Agreement at any time. Your use of the Content and the Service following any such modification constitutes your agreement to follow and be bound by the Agreement as modified. The last date this Agreement was revised is noted at the end of this Agreement.
Intellectual Property
The Service, the Site, and Content are protected by U.S. and international copyright, trademark and other laws, and belong to the Company or its partners, affiliates, contributors or licensors. This protection includes the use of the trademark name “Learn to Live” and the Learn to Live logo. You may use the Site, the Service and the Content solely for your personal, non-commercial use as set forth and agreed to by you in the Terms of Use.
Personal Information and Privacy Policy
The Company may monitor, record, collect and use for any lawful purpose information generated through your use of the Site. The Company’s collection and use of such information is described in our Privacy Policy. Your obligations under this Agreement are in no way conditioned on the Company’s compliance with the terms of the Privacy Policy.
By providing the information requested by the Site, or by continuing to use the Site after having an opportunity to review the Privacy Policy, you have consented to the terms of the Privacy Policy.
Custom Versions of Privacy Policy
Depending upon who gives you access to Learn to Live (e.g., your health plan), you may be subject to a different Privacy Policy than the one contained on the Company's public-facing website. In the event of any inconsistency between the Privacy Policy on the Company's public-facing website and the equivalent document(s) available to you during the registration process, the document(s) in the registration process govern. Any reference to a "Privacy Policy" in this Agreement refers to the Privacy Policy available during the registration process.
Server
The Company will host the Site on a secure Company or third-party US based server. In the event the server experiences technical problems, the Company will make reasonable efforts to either resolve the difficulties or provide a back-up site containing the Content. Subscriber will not be reimbursed any portion of the Fee paid (if applicable) hereunder for server downtime, app store issuesor Internet congestion resulting in the Site’s diminished performance.
Medical Advice
The Content and the Service are for informational and skill development purposes only. The Content should be regarded as a general approach to self-development and is not intended to be a substitute for professional medical advice, diagnosis, or treatment. The Site, Content, and Service are not designed to treat clinical levels of anxiety, depression, insomnia, social anxiety, substance use, or other mental health disorders. The diagnosis and treatment of any mental health disorder requires a medical practitioner or qualified mental health practitioner. People seeking a diagnosis or treatment of anxiety or other mental health disorders should consult a medical practitioner or mental health professional. The Site, Content, and Service do not constitute the practice of any medical, nursing or other professional health care advice, diagnosis or treatment.
Always seek the advice of a medical practitioner or qualified mental health practitioner with any questions regarding personal health or medical conditions. Never disregard, avoid or delay in obtaining medical advice from your medical practitioner or qualified mental health practitioner because of something you have read on this Site.
If you think you may have a medical emergency, call your doctor, the 988 Suicide and Crisis Lifeline or 911 immediately. The Company does not recommend or endorse any specific tests, providers (including, but not limited to, hospitals and physicians), products, procedures, or other information that may be mentioned on the Site. Any opinions expressed on the Site are the opinions of the individual author, not of the Company. Reliance on any information provided by the Company, its employees, others appearing on the Site at the invitation of the Company, or other visitors to the Site is solely at your own risk.
Communications between you and the Company are protected by our Privacy Policy, but are not protected by any healthcare provider-patient privilege. We cannot provide medical advice and can only provide self-help services at your specific direction.
Disclaimer of Warranties
YOU AGREE TO ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE, THE CONTENT AND THE SERVICE. THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE, THE CONTENT OR THE SERVICE. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, FREE OF VIRUSES OR OTHER MALICIOUS CODE, OR THAT DEFECTS IN THE SITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY, CURRENCY, OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE, THE CONTENT AND THE SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation of Liability
YOU UNDERSTAND AND AGREE THAT UNDER NO CIRCUMSTANCES WILL YOU, THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, GOVERNORS OR DIRECTORS BE LIABLE FOR CERTAIN DAMAGES, INCLUDING, BUT NOT LIMITED TO, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, THE CONTENT, OR THE SERVICE, EVEN IF YOU AND THE COMPANY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE CONTENT, THE SERVICE, OR THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK. THE COMPANY IS NOT LIABLE TO ANY USER OR PERSON FOR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE UPON INFORMATION, CONTENT DISPLAYED, OR SERVICE PROVIDED IN THIS SITE EXCEPT FOR ACTS OF GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, YOU AND THE COMPANY’S LIABILITY IS LIMITED TO DIRECT DAMAGES AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT EACH PARTIES’S LIABILITY FOR DIRECT DAMAGES SHALL, IN NO EVENT, EXCEED $1,000.00 EXCEPT FOR ACTS OF GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.
ANY CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE TERMS OF USE, THE PRIVACY POLICY, THIS SITE, THE SERVICE OR CONTENT MUST BE BROUGHT WITHIN ONE YEAR OF THE EVENT FROM WHICH THE CLAIM AROSE. COMPANY SHALL HAVE NO LIABILITY FOR CLAIMS NOT ASSERTED DURING THIS PERIOD.
Geographic Limitations on Use
Like most Internet sites, this Site is accessible worldwide. However, not all programs, products or Services are available to all persons or in all geographic locations. The Company reserves the right to limit the provision of its programs, products and Services to any person, geographic area, or jurisdiction. Any Services identified on the Site are only available where the Company, or any other entity offering the programs, products or Services on the Site, is licensed or authorized to do business. Please consult the Company directly for information regarding the programs, products and Services that may be available to you in your area. This Site is not intended for use outside the United States of America. You agree to comply with all applicable U.S. laws and local rules or restrictions relating to this Site.
Subscriber Representation
You represent and warrant that you have read and agree to use this Site, including any Service, in accordance with the terms of this Agreement, the Privacy Policy, and the Terms of Use. You represent and warrant that you are at least 13 years of age or older. If you are age 13 or older but under the age of 18, you should review this Agreement with your parent or guardian. If you are age 13 or older but under 18, your parent or guardian must understand and agree with this Agreement and consent to your use of this Site, including your use of any Service, in accordance with this Agreement.
Entire Agreement
This Agreement, together with the terms associated with your selections made during the enrollment and purchase process, the Privacy Policy and the Terms of Use, represent the entire understanding of the parties regarding the use of the Site, the Content and the Service and supersede any previous documents, correspondence, conversations, or other oral or written understanding related to this Agreement.
Severability
If any provision of this Agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions.
Assignment
Subscriber may not assign or otherwise transfer this Agreement, by operation of law or otherwise, without the prior written consent of the Company. Any attempt by Subscriber to assign this Agreement is void.
All of Company’s rights and obligations under this Agreement are freely assignable by the Company.
Compliance with Laws
Subscriber shall use the Content and the Service in accordance with all applicable U.S. laws and regulations, including (without limitation) export laws and regulations and those laws and regulations designed to protect against the unauthorized use and disclosure of personally identifiable information.
Choice of Law
This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to the terms of this Agreement shall be filed only in a state or federal court located in Hennepin County, Minnesota. You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
The English version of this agreement predominates in all aspects and cases of inconsistency with the translated versions, if those exist.
Date of last modification
December 31, 2023