From the Article: Blue Cross has invested in a four-year-old Minneapolis firm, Learn to Live, that offers a battery of online treatment options. The internet-based therapy is getting good marks from employers, workers and experts.
From the Article: Learn to Live is designed to provide students with support for anxiety, depression, social anxiety and stress in five-minute chunks and can be accessed anywhere the student has internet access.
Learn to Live Inc. (“we”, “us”, “our” or the “Company”) operates the site located at www.learntolive.com (the “Site”) providing, among other services, self-help information and skill development based on the fundamentals of Cognitive Behavioral Therapy to educate people with social anxiety and related issues (the “Service”). The Site should be regarded as a general approach to self-development and not as professional medical advice, diagnosis or treatment.
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:
You agree not to use the Site for unlawful purposes, and you agree to comply with all applicable laws, rules and regulations while using the Site.
You agree not to use the Site for any commercial purposes, including any advertisement, commercial solicitation, or promotion of any specific goods or services.
You agree not to collect or use any information or other data available via the Site inappropriately.
You agree not to use the Site to post or transmit any threatening, harmful, false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene, scandalous, inflammatory, pornographic, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law.
You agree not to use the Site to advertise or perform any commercial solicitation, or otherwise exploiting for any commercial purposes any portion of, use of or access to the Site.
You agree not to incorporate any code into the code of the Site or to use the Site to post or transmit any virus, worm, Trojan Horse, time bomb, spyware, bot, tracking device, screen scraping software or other computer code, file or program that is harmful or invasive or is intended to damage or hijack the operation of, or to monitor the use or operation of the Site or any user of the Site.
You agree not to use the Site in conjunction with any screen scraping software.
You agree not to restrict or inhibit any other person from use of the Site. You agree not to interfere with or disrupt the operation of the Site or the servers or networks used to make the Site available, or violate any requirements, procedures, policies or regulations of such networks.
You agree not to use the Site to harvest or collect personally identifiable information about users of the Site.
You agree not to use the Site to disrespect the privacy or views of others.
You agree not to use the Site to impersonate another person or supply false information about yourself or another person.
You agree not to allow any other person or entity to use your identification to post or view comments, or to otherwise access or use the Site.
You agree not to post material on the Site that infringes on the copyright or other intellectual property rights of others, or the privacy, publicity, or other personal rights of others.
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 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 anxiety or other mental health disorders. The diagnosis and treatment of clinical anxiety 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. This Site and its 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 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.
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, 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.
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.
Disclaimer of Warranties
You agree to assume total responsibility and risk for your use of the site, the service and the content. The company makes no express or implied warranties, representations or endorsements whatsoever with respect to the site, the service or the content. The company expressly disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title and non-infringement with regard to the site, the service, and the content. 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 service and the content are provided on an “as is” and “as available” basis.
The foregoing does not affect any warranties which cannot be exclueded or limited under applicable law.
Limitation of Liability
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 SHALL, IN NO EVENT, EXCEED $1,000.00.
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.
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.
Links to Third Party Sites
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.
User Supplied Material
If you supply any comments, information or material via the Site, you guarantee to us that you have the legal right to supply such material and that it will not violate any law or the rights of any person or entity. You further agree that all information or material you supply to us through the Site, including business information, ideas, concepts, or inventions, shall be deemed and shall remain our property, and you hereby assign to the Company all right, title, and interest in and to any such information or material, without any restriction or obligation to you.
Registration and Account-Holder Obligations
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. P.O. Box 19672 Minneapolis, MN 55419
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.
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.
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.
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 Contact Information
Learn to Live Inc. P.O. Box 19672 Minneapolis, MN 55419
Date of last modification
December 31, 2014
We collect limited non-personally identifying 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 your name, e-mail address and a password for your account) and we will use that information to provide the service. 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.
When we require personally identifying information, we will inform you about the types of information we collect and how we use it. We hope this will help you make an informed decision about sharing your personal information with us.
We may use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, click on the applicable link below:
DoubleClick DART cookie
Users may opt out of the use of the DART cookie by visiting the
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.
We may at any time include additional third-party advertising companies without notification.
Except as set forth below, 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 conclude that we are required by law 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 store and process personal information collected on our site in the United States or any other country in which the Company or its agents maintain facilities. By using our services, you consent to the transfer of your information among these facilities, including those located outside your country.
We may share 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 take appropriate 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.
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.
Changes to this Policy
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.
We do not knowingly collect personal information from anyone under the age of 13. The Federal Trade Commission (“FTC”) regulates the means by which website operators collect and use personal information from children under 13, pursuant to the Children’s Online Privacy Protection Act of 1998 (the “Act”). If we learn we have collected personal information from a child under the age of 13 without verification of parental consent, we will delete that information as soon as practicable. We recommend that children ages 13 to 18 seek parental permission before disclosing any personal information via the internet. For more information about the Act and children’s on-line privacy in general, visit the FTC’s website at http://www.ftc.gov.
Learn to Live Inc. P.O. Box 19672 Minneapolis, MN 55419