Privacy Policy and Terms of Use

Privacy Policy

DOC DEVELOPMENT, INC. (“DOC Development” “we” “us” or “our”) recognizes the importance of privacy and the sensitivity of personal information. This document governs the privacy policy (“Privacy Policy”) of our website (“Website”) Our Privacy Policy tells you what personally identifiable information (“PII”) and non-personal information (“NPI”) we may collect from you, how we collect it, how we protect it, how we may share it, how you can access and change it, and how you can limit our sharing of it. Our Privacy Policy also explains certain legal rights that you have with respect to your PII.

By using our services and Website, you consent to the collection, use and disclosure by DOC Development of your PII for the purposes described in this Privacy Policy. Your consent will be effective from the date that you begin using our services until the date that you withdraw consent.


Non-personal information (NPI) is information that is in no way personally identifiable. Some NPI is obtained automatically when you access our Website with a web browser. Personally identifiable information (PII) is information that is personally identifiable to you and obtained for us to provide you with a product or service. PII may include information such as your name, e-mail address, physical address, phone number, credit card information, and other information you provide to us.

Why We Collection Information

We collection personal information about you for reasons that may include, without limitation:

  • Allowing you to complete the registration process so that you will be able to use/access certain features/functions on our Website, including premium features;
  • Creating a unique profile on our Website in order to provide relevant and targeted offers to you;
  • Better understanding your preferences and tailoring offers and services to you based on those preferences;
  • Conducting research and contributing to publications to medical and scientific journals aimed at furthering the field of exercise (in such instances, this data will always be aggregated and rendered anonymous); and
  • Better understanding our Website usage and trends so that we may improve our services and Website performance

Information We Collect

Generally, you control the amount and type of information that you provide to us when using our Website. We require that you provide us with certain information so that we can provide you with services and products. If you do not provide us with enough information, we may not be able to provide you with our services including, without limitation, setting up an account on our site, making reservations for services, and completing transactions. If you register as a user or member to use our Website, you must provide PII for us to provide you with various features and functionality in terms of our Website. We collect your PII in the following ways:

  • Automatic information. We automatically receive information from your web browser or mobile device. This information includes the name of the website from which you entered our Website, if any, as well as the name of the website you visit when you leave our Website. This information also includes the IP address of your computer and the proxy server you use to access the Internet, your Internet service provider’s name, your web browser type, the type of mobile device, and your computer operating system. We use this information to analyze trends among our users and to help us improve our Website.
  • When entering and using our Website. When you enter and use our Website and agree to accept cookies, some of these cookies may contain your PII.
  • At user and member registration. When you register as a user or member, we collect your name, e-mail address, and other pertinent information.
  • When buying products or services. If you buy products or services from us, we collect your name, e-mail address, physical address, credit card information, phone number, and other information required to complete the transaction.
  • Online forms. Our Website may use online forms. The information you enter into these online forms may contain PII.
  • Mobile application. If we provide a mobile application, you may have to provide PII in order to use it.
  • Collecting your location information. When you use our services, we or third parties who provide services to us may collect and process information about your actual physical location. We use several technologies, like GPS and IP tracking, to determine your location. These technologies may also provide us with information about nearby cell towers, Wi-Fi access points, and other devices.
  • Premium features. Our Website may offer premium features and we may charge for their use. To the extent that we charge you for the use of these premium features, we will need to collect PII in order to complete a purchase transaction to enable them for your use.

Our Use of Cookies

Our Website uses cookies. A cookie is a small piece of data or a text file that is downloaded to your computer or mobile device when you access certain websites. Cookies may contain text that can be read by the web server that delivered the cookie to you. The text contained in the cookie generally consists of a sequence of letters and numbers that uniquely identify your computer or mobile device, and it may contain other information as well. By agreeing to accept our use of cookies, you are giving us permission to place some or all of the cookies described below on your device.

  • Strictly necessary cookies. These cookies are necessary for proper functioning of our Website, such as displaying content, logging in, validating your session, responding to your request for services, and other functions. Most web browsers can be set to disable the use of cookies. However, if you disable these cookies, you may not be able to access features on our Website correctly or at all.
  • Performance cookies. These cookies collect information about the use of the website, such as pages visited, traffic sources, users’ interests, content management, and other website measurements.
  • Functional cookies. These cookies enable a website to remember a user’s choices, such as their language, user name, and other personal choices while using the website. They can also be used to deliver services, such as letting a user make a blog post, listen to audio, or watch videos on the website.
  • Media cookies. These cookies can be used to improve a website’s performance and provide special features and content. These media cookies may be placed by us, but may also be placed by third parties who provide services to us.
  • Advertising or targeting cookies. These cookies are usually placed and used by advertising companies to develop a profile of your browsing interests and serve advertisements on other websites that are related to your interests. You will see less advertising if you disable these cookies.
  • Session cookies. These cookies allow websites to link the actions of a user during a browser session. They may be used for a variety of purposes, such as remembering what a user has put in their shopping cart as they browse a website. Session cookies also permit users to be recognized as they navigate a website so that any item or page changes they make are remembered from page to page. Session cookies expire after a browser session and, as such, they are not stored.
  • Persistent cookies. These cookies are stored on a user’s device in between browser sessions, which allows the user’s preferences or actions across a site (or, in some cases, across different sites) to be remembered. Persistent cookies may be used for a variety of purposes, including remembering users’ choices and preferences when using a website or to target advertising to them.

We may also use cookies for identifying the areas of our Website that you have visited; personalizing content you see on our Website; our Website analytics; remembering your preferences, settings, and login details; targeted advertising relevant to your interests; affiliate marketing; allowing you to post comments; and allowing you to share content with social networks. Most web browsers can be set to disable the use of cookies. However, if you disable cookies, you may not be able to access features on our Website—or other websites—correctly or at all.

Web Beacons

We may also use a technology called web beacons to collect general information about your use of our Website and your use of special promotions or newsletters. The information we collect by web beacons allows us to statistically monitor the number of people who open our e-mails. Web beacons also help us understand the behavior of our customers and visitors.

Google Specific Cookies

Some or all of the following may be applicable to our Website from time-to-time:

  • Google Ad and Content Network privacy policy. Third-party vendors, including Google, may use cookies to provide ads based on a user’s past visits to our Website. Google’s use of the DoubleClick cookie, for example, enables it and its partners to provide ads to our users based on their visits to our Website and/or other sites on the Internet. Users may opt out of the use of the DoubleClick cookie for interest-based advertising by visiting
  • Google Analytics privacy policy. Our Website may use Google Analytics to collect information about the use of our site. Google Analytics collects information such as how often users visit our Website, what pages they visit, and what other sites they have used prior to coming to our Website. We use the information we obtain from Google Analytics to improve the features and performance of our Website. Google Analytics collects only the IP address assigned to you on the date you visit our Website, not your name or other identifying information. We do not combine the information collected using Google Analytics with PII. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user on future visits to our Website, the cookie cannot be used by anyone but Google. You can prevent Google Analytics from using your information by opting out at this link:

You can opt out of Google’s use of cookies and remarketing ( or you may opt out using the Network Advertising Initiative opt out page (!/).

Communications and E-mails

When we communicate with you about our Website, we will use the e-mail address you provided when you registered as a member or user. We may also send you e-mails with promotional information about our Website or offers from us or our affiliates unless you have opted out of receiving such information. You can change your contact preferences at any time through your account or by sending us an e-mail with your request to:

You should be aware that e-mail is not a 100% secure medium; therefore, you should be aware of this when contact us to send personal or confidential information.

Sharing Information with Affiliates and Other Third Parties

We do not sell, rent, or otherwise provide your PII to third parties for marketing purposes. However, for data aggregation purposes we may use your NPI, which might be sold to other parties at our discretion. Any such data aggregation would not contain any of your PII. We may provide your PII to third-party service providers we hire to provide services to/for us. These third-party service providers may include, without limitation: payment processors; web analytics companies (like Google Analytics); data management services companies; help desk providers; shopping cart and e-mail service providers; and shipping and mailing companies.

Legally Required Releases of Information

We may be legally required to disclose your PII if such disclosure is: [a] required by subpoena, law, or other legal process; [b] necessary to assist law enforcement officials or government enforcement agencies; [c] necessary to investigate violations of or otherwise enforce our Terms of Use; [d] necessary to protect us from legal action or claims from third parties, including you and/or other users or members; or [e] necessary to protect the legal rights, personal/real property, or personal safety of our company, users, employees, and/or affiliates.

Disclosures to Successors

If our business is sold or merges in whole or in part with another business that would become responsible for providing our Website to you, we retain the right to transfer your PII to the new business. The new business would retain the right to use your PII according to the terms of this Privacy Policy as well as to any changes to this Privacy Policy as instituted by the new business. We also retain the right to transfer your PII if our company files for bankruptcy and some or all of our assets are sold to another individual or business.

Community Discussion Boards

Our Website may offer the ability for users to communicate with each other through online community discussion boards. As detailed in our Terms of Use, we donot filter or monitor what is posted on such discussion boards. If you choose to post on these discussion boards, you should use care when exposing any PII, as such information is not protected by our Privacy Policy nor are we liable if you choose to disclose your PII through such postings.

Retaining and Destroying Your PII

We retain information that we collect from you (including your PII) only for as long as we need it for legal, business, or tax purposes. Your information may be retained in electronic form, paper form, or a combination of these. When your information is no longer needed, we will erase, delete or otherwise destroy it. You have the right to request that we delete any PII we have about you. If you want access to your PII, are requesting to know what PII we have collected about you, or are requesting that we delete your PII, we ask that you send us an e-mail with your request to: However, we may keep your PII as needed to enforce our agreements and to comply with any legal obligations.

Filing a Complaint with Authorities

You have the right to file a complaint with supervisory authorities if your information has not been processed in compliance with the General Data Protection Regulation. If the supervisory authorities fail to address your complaint properly, you have the right to a judicial remedy.

California Consumer Privacy Act (CCPA) Notice

In this notice, we are addressing specific disclosure requirements under the California Consumer Privacy Act of 2018 for California residents. This notice applies only to “personal information” that is subject to that law and applies to all California residents who visit our Sites or use the Services. California residents have rights to request access to certain personal information collected about them over the past 12 months, or deletion of their personal information, subject to certain exceptions, and may not be discriminated against because they exercise any of their rights under the California Consumer Privacy Act. We may require you to provide additional personal information to verify your identity before we process your request; we may not process your request if we are unable to verify your identity.

We collect, use and share personal information regarding California residents as described in this notice.


If you are a resident of the European Economic Area, you have the following data protection rights:

• If you wish to access, correct, update or request deletion of your personal information, you can do so at any time by contacting us using the contact details provided under the “How to contact us.”

• In addition, you can object to processing of your personal information, ask us to restrict processing of your personal information or request portability of your personal information. Again, you can exercise these rights by contacting us using the contact details provided under the “How to contact us.”

• You have the right to opt-out of marketing communications we send you at any time. You can exercise this right by clicking on the “unsubscribe” or “opt-out” link in the marketing emails we send you. Registered users can manage their account settings and email marketing preferences as described in the “Choices Regarding Your Personal Information” section below. If you are an unregistered user, or to opt-out of other forms of marketing (such as postal marketing or telemarketing), you may contact us using the contact details provided under the “How to contact us.”

• Similarly, if we have collected and processed your personal information with your consent, then you can withdraw your consent at any time. Withdrawing your consent will not affect the lawfulness of any processing we conducted prior to your withdrawal, nor will it affect processing of your personal information conducted in reliance on lawful processing grounds other than consent. You have the right to complain to a data protection authority about our collection and use of your personal information. For more information, please contact your local data protection authority.

We respond to all requests we receive from individuals wishing to exercise their data protection rights in accordance with applicable data protection laws. We will respond to all requests within a reasonable timeframe. Notwithstanding the foregoing, we reserve the right to keep any information in our archives that we deem necessary to comply with our legal obligations, resolve disputes and enforce our agreements.

Our Contact Information

Please contact us with questions or comments about this Privacy Policy, your personally identifiable information, our use and disclosure practices, or your consent choices for us to consider at

Revoking Your Consent and Opting Out of Sharing Your Information

You have the right to revoke your consent for us to use your PII at any time. You can always opt out of future unaffiliated third-party disclosures of your information. Such an opt out will not affect disclosures otherwise permitted by law including, without limitation: [a] disclosures to affiliates; [b] disclosures to third-party service providers that provide certain services for our business, such as credit card processing, computer system services, shipping, data management, or promotional services; [c] disclosures to third parties as necessary to fulfill your requests; [d] disclosures to governmental agencies or law enforcement departments, or as otherwise required to be made under applicable law; [e] previously completed disclosures to third parties; or [f] disclosures to third parties in connection with subsequent contests or promotions you may choose to enter, or third-party offers you may choose to accept. If you want to opt out of unaffiliated third-party disclosures or revoke your consent for us to use your PII, we ask that you send us an e-mail with your request to:

Access to Your Personal Information

Your rights to access your PII are not absolute. We may deny access to your PII when:

  • Denial of access is required or authorized by law;
  • When granting you access would have an unreasonable impact on other people’s privacy, unless the requested information is severable from the personal information of other people and/or members; and
  • To protect DOC Development’s confidential commercial information.

Protecting the Privacy Rights of Third Parties

If any postings you make on our Website contain information about third parties, you must make sure you have permission to include that information in your posting. While we are not legally liable for the actions of our users, we will remove any postings about which we are notified, if such postings violate the privacy rights of others.

Do Not Track Settings

Some web browsers have settings that enable you to request that our Website not track your movement within our Website. Our Website may not obey such settings when transmitted to and detected by our Website. You can turn off tracking features and other security settings in your browser by referring to your browser’s user manual.

Links to Other Websites

Our Website may contain links to other websites. These websites are not under our control and are not subject to our Privacy Policy and may not be secure. These websites will likely have their own privacy policies. We have no responsibility for these websites and we provide links to these websites solely for your convenience. You acknowledge that your use of and access to any other websites are solely at your risk. It is your responsibility to check the privacy policies of these websites to see how they treat your PII.

Protecting Children’s Privacy

Even though our Website is not designed for use by anyone under 13 years of age, we realize that a child under 13 years of age may attempt to access our Website. We have no intent to collect, nor will we ever knowingly collect PII from children under 13 years of age. If we discover that a child under 13 years of age is accessing our Website, we will delete his/her information within a reasonable period of time. If you are a parent or guardian and believe that your child is using our Website, please contact us immediately so that this situation may be handled in an appropriate and timely manner. Please understand that, if you contact us under such circumstances, we may ask for proof of identification from you to prevent malicious removal of account information before we remove any information about any user/member. You acknowledge that we do not verify the age of our users nor do we have any liability to do so.

Our E-mail Policy

You can always opt out of receiving further e-mail correspondence from us or our affiliates.  We will not sell, rent, or trade your e-mail address to any unaffiliated third party without your permission except in the sale or transfer of our business.

Our Security Policy

We have built our Website using industry-standard encryption and authentication tools to protect the security of your PII. We also use technologies such as secure routers and firewalls to help protect your PII. If we collect your credit card information through our Website or through third parties who provide services to us, in order to process/complete a transaction, we or third parties who provide services to us will encrypt your PII and your credit card information before it travels over the Internet using industry-standard technology for conducting secure online transactions. Unfortunately, no firm, including DOC Development, can ever guarantee against the loss or misuse of your PII or secure data transmission over the Internet. Consequently, we strongly urge you to protect any password you may have for our Website and to not share it with anyone. You should always log out of our Website and end your browsing session when you finish using our Website, especially if you are sharing or using a computer in a public place.

Use of Your Credit Card

You may have to provide a credit card to buy products and services through our Website. You can shop at with confidence. We have partnered with Authorize.Net, a leading payment gateway since 1996, to accept credit cards and electronic check payments safely and securely for our customers. We have no control over them. The Authorize.Net Payment Gateway manages the complex routing of sensitive customer information through the electronic check and credit card processing networks. See an online payments diagram to see how it works.

The company adheres to strict industry standards for payment processing, including:

• 128-bit Secure Sockets Layer (SSL) technology for secure Internet Protocol (IP) transactions.

• Industry leading encryption hardware and software methods and security protocols to protect customer information.

• Compliance with the Payment Card Industry Data Security Standard (PCI DSS).

For additional information regarding the privacy of your sensitive cardholder data, please read the Authorize.Net Privacy Policy . is registered with the Authorize.Net Verified Merchant Seal program.

Additionally, we use commercially reasonable efforts to make sure your credit card number is kept strictly confidential by using only third-party billing services that use industry-standard encryption technology to protect your credit card number from unauthorized use. However, you understand and agree that we are in no way responsible for any misuse of your credit card number.

Data Transfers

Wherever we transfer, process or store your PII, we will take commercially reasonable steps to protect it. We will use the information we collect from you in accordance with this policy. By using our Website or services, you agree to the transfers of your PII described within this section. Also, PII you post on our Website for publication may be available worldwide by means of the Internet. We cannot prevent the use or misuse of such information by others.

Changes to Our Privacy Policy

We reserve the right to change this Privacy Policy at any time. If we decide to change this Privacy Policy, we will post those changes on our Website so that our users and customers are always aware of what information we collect, use, and disclose. If at any time we decide to disclose or use your PII in a method different from that specified at the time it was collected, we will provide advance notice by e-mail (sent to the e-mail address on file in your account). Otherwise we will use and disclose our users’ and customers’ PII in agreement with the Privacy Policy in effect when the information was collected. In all cases, your continued use of our Website, services, and products after any change to this Privacy Policy will constitute your acceptance of such change.

Questions About Our Privacy Policy

If you have any questions about our Privacy Policy, please e-mail us at:

Website Terms and Conditions

Thank you for selecting DOC DEVELOPMENT, INC. (“DOC DEVELOPMENT” “us” “we” or “our”) to be a vessel to offer supply services, business development, and community leadership training through short and long-term teaming arrangements (collectively, the “DOC DEVELOPMENT Services” or “Services”) to individuals, public and private companies and governmental entities (“you” or “your” “User”) both in our facilities (“Facilities”) and online (“Digital Properties”).

These Terms and Conditions (“Terms”) govern your use of our Digital Properties (comprised of our website and any mobile application we offer, or any other Internet site or service on which these Terms are presented). We offer our Digital Properties and DOC DEVELOPMENT Services to you, subject to and conditioned on your acceptance of these Terms and Conditions and our Privacy Policy.[Above]

By accessing, registering for, browsing, clicking a box to signify your consent, contributing content to, or otherwise using the DOC DEVELOPMENT Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. DOC DEVELOPMENT may, at its sole discretion, revise these Terms from time to time, with the revised terms taking effect on the date of posting. Your continued use of the Digital Properties or DOC DEVELOPMENT Services after the posting of such revisions constitutes your acceptance of the revised version of these Terms. You should review these Terms on a regular basis, as they are a legally binding agreement between you and DOC DEVELOPMENT.

Intention and Acceptance

Read all of these terms prior to accessing or using the Digital Properties or DOC DEVELOPMENT Services. If you do not intend to accept these terms or enter into a legally binding agreement with DOC DEVELOPMENT, you may not use any of the Digital Properties or DOC DEVELOPMENT Services.

Eligibility for Use of the Digital Properties and DOC DEVELOPMENT Services

The Digital Properties and DOC DEVELOPMENT Services are intended solely for Users who are 18 years of age or older. Any registration by, use of, or access to the Digital Properties or DOC DEVELOPMENT Services by anyone under 18 years of age is unauthorized, unlicensed, prohibited, and in violation of these Terms. Minors between the ages of 14 and 18 may register to use the Digital Properties or DOC DEVELOPMENT Services only with the involvement of a parent or legal guardian. By using the Digital Properties or DOC DEVELOPMENT Services, you represent and warrant that you are 14 years of age or older with authorized permission or 18 years of age or older and that you agree to abide by all of the terms and conditions presented herein.

Access to the Digital Properties and DOC DEVELOPMENT Services

You may use the Digital Properties or DOC DEVELOPMENT Services when they are available. You understand that certain features may be unavailable from time to time, or the experience may not be the same for every user at all times. DOC DEVELOPMENT does not guarantee availability of any aspect of the DOC DEVELOPMENT Services or any particular feature. We reserve the right to change, remove, delete, restrict, or block access to, or stop providing all or any part of the Digital Properties or DOC DEVELOPMENT Services (including reducing available storage capacity, if any, and removing any of the content contained in the Digital Properties or DOC DEVELOPMENT Services) at any time without notice.

DOC DEVELOPMENT’S Proprietary Rights

You acknowledge and agree that the Digital Properties and DOC DEVELOPMENT Services and any necessary software (“Software”) used in connection with the Digital Properties or DOC DEVELOPMENT Services contain proprietary and confidential information that is protected by applicable intellectual property and other laws. Except as expressly permitted by applicable law or as authorized by DOC DEVELOPMENT or the applicable licensor (such as an advertiser), you agree not to modify, rent, lease, loan, sell, distribute, transmit, broadcast, publicly perform, or create derivative works based on the Digital Properties, DOC DEVELOPMENT Services, or the Software, in whole or in part.

Subject to your compliance with these Terms, DOC DEVELOPMENT grants you a personal, non-transferable and non-exclusive right and license to access and use the Digital Properties and DOC DEVELOPMENT Services provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in, or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software including, without limitation, for the purpose of obtaining unauthorized access to the Digital Properties or DOC DEVELOPMENT Services. You agree not to access the Digital Properties or DOC DEVELOPMENT Services by any means other than through the interface that is provided by DOC DEVELOPMENT.

Registration and Accounts

Some portions of the Digital Properties or DOC DEVELOPMENT Services may permit or require you to create an account to participate or to secure additional benefits. You agree to provide, maintain, and update true, accurate, current, and complete information about yourself as prompted by our registration processes (the “Registration Data”). You may not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including, without limitation, using another person’s username, password, or other account information, or another person’s name, likeness, voice, image, or photograph. You also agree to promptly notify us at of any unauthorized use of your username, password, other account information, or any other breach of security that you become aware of involving or relating to the Digital Properties or DOC DEVELOPMENT Services.

You understand and acknowledge that we may suspend or terminate your account and your ability to use the Digital Properties or DOC DEVELOPMENT Services, or any portion thereof, for failure to comply with these Terms, or for any reason whatsoever.

Purchases through the DOC DEVELOPMENT Services

Certain features or functionality of the Digital Properties or DOC DEVELOPMENT Services may allow you to purchase products or services. You agree to pay for all products and services provided through the Digital Properties or DOC DEVELOPMENT Services that are ordered through your account or ordered as a guest (if that option is made available to you).

You authorize DOC DEVELOPMENT to charge your credit card (or other payment instrument) for any products or services purchased and for any additional amounts (including, without limitation, any applicable taxes, late fees, and associated bank or financial institution fees) that may be accrued by or in connection with your account or a purchase transaction.

You are responsible for the timely payment of all fees and for providing DOC DEVELOPMENT with a valid credit card or form of payment. All fees will be billed to the credit card you designate during the registration or payment process. If you wish to designate a different credit card or form of payment, then you are solely responsible for changing such information online in your account setting, or at the time of a transaction.

You acknowledge that your electronic submissions constitute an agreement and an intent to be bound by and pay for such transactions. Your agreement and intent to be bound by electronic submissions applies to all records relating to all transactions you enter into via the Digital Properties or DOC DEVELOPMENT Services, including notices of cancellation, policies, contracts, and applications. It is your sole responsibility to review and understand all policies, content, and agreements associated with the use of the Digital Properties or DOC DEVELOPMENT Services or any services or products DOC DEVELOPMENT may supply.

Security of Payments

SSI Protocols

All transactions are secured with the SSL protocol. Using SSL helps encrypt the information so that card details and all other sensitive data are protected and improves payment security. The SSL is symbolized by a padlock icon in the address bar, and the web address begins with HTTPS. DOC DEVELOPMENT regularly checks the details of the certificate authorities used to provide the strongest possible security.

PCI Certificate

The Payment Card Industry Data Security Standards (PCI DSS) provide guidelines for merchants to secure sensitive data in payment processing.

Merchants do not have to be PCI-compliant if the right payment provider is utilized, as the payment gateway follows the industry security standards and provide data encryption, which is required by PCI.


Tokenization replaces sensitive data with a randomly generated string of characters, so it reduces the risk associated with data breach. One of the best protection methods is using a token that represents a real credit card number. When the transaction is authorized, the data are sent to a centralized server and stored securely. At the same time a merchant’s system receives a unique number. Then the token can be used as a substitute for the card data, e.g. with one-click payments on the customer’s future transaction.

Choosing a payment gateway with tokenization can minimize the risk of payment fraud. We do not store your customers’ credit and debit card data on our server. More importantly, they are encrypted before they are ever stored on database servers. Reliable payment processors run infrastructure for storing and decrypting card numbers in a separate hosting environment that is not connected to their primary services.

3D Secure Authentication

3D Secure (Three Domain Secure) is a messaging protocol that involves three domains: bank, technology that processes the transaction, and the issuing bank. It is an additional security layer that helps with fraud prevention for card-not-present transactions. Plus, the liability on every transaction that is successfully verified is shifted from a merchant to the issuing bank. When users purchase anything, they must confirm the transaction with a generated password (or it can be a one-time PIN sent from their bank by an SMS) in order to add extra protection.

Anti-Fraud Tools

Every transaction is automatically scanned and monitored with fraud prevention tools, so it is easier to prevent and eliminate all suspected fraudulent activities. Merchants should reUser that a single tool is not enough to defend their businesses. They need a multilevel approach that comes with higher protection.

Disclaimer of Warranties

The DOC DEVELOPMENT Services are provided: [1] with all faults as-is and as-available; and [2] without any assurance, or warrant, condition or duty of or regarding: functionality; privacy; security; accuracy; availability; repairs; negligence; interruption; viruses or other harmful code or transmissions; or the nature or consequences of available content such as (without limitation) whether software or other content is subject to any particular license, or whether it is subject to any restrictions or consequences that might be triggered by any exercise of a right granted under these terms.

DOC DEVELOPMENT, our affiliates, licensors, suppliers, and advertisers make no warranty and hereby disclaim, whether implied or statutory, any warranty, including any warranty of title, quiet enjoyment, non-infringement, merchantability, merchantable quality, or fitness for a particular purpose. The entire risk, in connection with your use of the Digital Properties or DOC DEVELOPMENT Services, as to satisfactory quality, performance, accuracy and effort, is with you. You agree that you will obtain any content entirely at your own risk, and you will be solely responsible for any resulting infringement, breach of contract, consequence or damage, including, without limitation, bodily injury, death, damage to your computer system, or loss of data. You understand and acknowledge that these terms cover any and all forms of access to our content, including, without limitation, download, screen shots, and screen capture.

For avoidance of doubt, you agree that you may not rely, and DOC DEVELOPMENT will not be liable for your reliance, on any information or opinions expressed via or on the Digital Properties or DOC DEVELOPMENT Services, including any decisions you make about your personal situation, health, and/or wellness. Any opinion or information presented via or on the Digital Properties or DOC DEVELOPMENT Services is for your convenience only and will not create any warranty not expressly stated in these Terms

Content Rights and Ownership

All content provided or otherwise made available by DOC DEVELOPMENT through the Digital Properties or DOC DEVELOPMENT Services, including, without limitation, text, graphics, images, music, software, audio, video, concepts, methods of operation, works of authorship of any kind, and information or other materials appearing on or emanating to and/or from the Digital Properties or DOC DEVELOPMENT Services, as well as their overall design and appearance (the “Content”) is owned, controlled or licensed by or to DOC DEVELOPMENT and is protected by intellectual property rights and unfair competition laws within and outside of the United States. Content also includes any Content that Users (including you) provide or make available through the Digital Properties and DOC DEVELOPMENT Services (“User Content”).

Subject to your compliance with these Terms and Conditions, DOC DEVELOPMENT hereby grants you a limited, non-exclusive, non-transferable, non-sub-licensable license to download, view, copy and display the Content solely in connection with your permitted use of the Digital Properties and DOC DEVELOPMENT Services.

By making User Content available through the Digital Properties or DOC DEVELOPMENT Services, you hereby grant DOC DEVELOPMENT a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sub-licensable and transferable license to use, copy, reproduce, modify, adapt, translate, create derivative works based upon, distribute, publicly display, perform, distribute and communicate by means of telecommunication your User Content in connection with operating and providing our Digital Properties, DOC DEVELOPMENT Services, and Content to you and other Users.

You are solely responsible for all of your User Content. You represent and warrant that you own all of your User Content or have the necessary rights to grant us the license rights in your User Content as described under these Terms and Conditions. You also warrant and represent that neither your User Content, or the use and provision of such through the Digital Properties or DOC DEVELOPMENT Services, nor any use of the User Content by DOC DEVELOPMENT on or through the Digital Properties or DOC DEVELOPMENT Services will infringe, misappropriate or violate a third party’s intellectual property rights, or rights of publicity or privacy, or result in the violation of any applicable law or regulation.

In most instances, you can remove your User Content by deleting it yourself. However, in certain instances, some of your User Content may not be completely removed and copies of your User Content may continue to exist on the Digital Properties or DOC DEVELOPMENT Services. We are not responsible or liable for the removal or deletion of (or the failure to remove or delete) any of your User Content if preserving the information is outweighed by the public interest in the availability of the data. Please refer to our Privacy Policy (above) for more information on these and related topics.

User Conduct, General Prohibitions, and Acceptable Usage

DOC DEVELOPMENT’s goal is to foster a positive and welcoming community for its Users and website visitors. Consequently, DOC DEVELOPMENT has established the following rules of use. As a User, you agree not to use our Digital Properties or DOC DEVELOPMENT Services to do any of the following:

Use and/or interact with our Digital Properties to:

[a] Attempt to access another User’s account, including, without limitation, attempts to use another person’s credentials to create an account for the Digital Properties or DOC DEVELOPMENT Services;

[b] Create multiple accounts under different names or emails, including ghost accounts, or re-register an account that was previously terminated by DOC DEVELOPMENT;

[c] Access, tamper with, or use non-public areas of the Digital Properties or DOC DEVELOPMENT Services, DOC DEVELOPMENT’s computer systems, or the technical delivery systems of DOC DEVELOPMENT’s providers;

[d] Attempt to probe, scan, or test the vulnerability of any DOC DEVELOPMENT system or network or breach any security or authentication measures;

[e] Avoid, bypass, reverse engineer, remove, decompile, disassemble, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by DOC DEVELOPMENT or any of DOC DEVELOPMENT’s providers or any other third party (including other Users) to protect the Digital Properties, DOC DEVELOPMENT Services, and Content;

[f] Use iFrame or offer web search functionality on the Digital Properties;

[g] Interfere with, or attempt to interfere with, the access of any User, host or network, including, without limitation, intentionally posting or transmitting to or through the Digital Properties or DOC DEVELOPMENT Services any file that contains a virus, bug, worm, malware, Trojan horse, time bomb, spyware, Easter egg, disabling device or any other contaminating or destructive feature;

[h] Attempt to access or search the Digital Properties or DOC DEVELOPMENT Services or download Content through the use of any engine, software, tool, agent, device or mechanism (including, without limitation, spiders, robots, crawlers, scrapers or data mining tools) other than the software and/or search agents provided by DOC DEVELOPMENT or other generally available third-party web browsers;

[i] Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Digital Properties or DOC DEVELOPMENT Services to send altered, deceptive or false source-identifying information;

[j] Do anything that could disable, overburden, or impair the proper working of the Digital Properties or DOC DEVELOPMENT Services, including any interference with the servers or networks used to make the Digital Properties or DOC DEVELOPMENT Services available, or any violation of the requirements, procedures, policies, or regulations of such networks;

[k] Use any meta tags or other hidden text or metadata utilizing a DOC DEVELOPMENT trademark, logo URL or product name without DOC DEVELOPMENT’s express written consent;

[l] Collect or store any personally identifiable information from the Digital Properties or DOC DEVELOPMENT Services or from other Users without their express permission; and

[m] Impersonate or misrepresent your affiliation with any person or entity.

Upload, post, or otherwise transmit any User Content that:

[a] Violates any local, state, federal, or international law(s);

[b] Is fraudulent, false, misleading or deceptive;

[c] Infringes on any patent, trademark, trade secret, copyright, or other proprietary rights of any party;

[d] Harms, threatens, defames, promotes violence or illegal activities/substances; is otherwise vulgar, obscene, pornographic, bullying, abusive, harassing, tortuous, or libelous; is invasive of another’s privacy; is hateful, promotes discrimination, bigotry, or racism; or is otherwise objectionable;

[e] Links directly or indirectly to any materials to which you do not have a right to link;

[f] Contains any private information of any third party including, without limitation, addresses, phone numbers, email addresses, Social Security Numbers, and credit card numbers (or any similar unique/distinguishing personal information);

[g] Contains software viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software or hardware of telecommunications equipment, or to extract information from the Digital Properties or DOC DEVELOPMENT Services;

[h] Contains any unsolicited or unauthorized advertising, solicitations, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation; and

[i] In the sole judgement of DOC DEVELOPMENT is objectionable or restricts or inhibits any other person from using or enjoying the Digital Properties or DOC DEVELOPMENT Services, or which may expose DOC DEVELOPMENT, our affiliates, or other Users to any harm or liability of any type.

Use our content to:

[a] Develop a competing website, application (“App”), or similar functionality;

[b] Create compilations or derivative works as defined under United States copyright laws;

[c] Redistribute in any manner, including, without limitation, sale, license, lease, rental, subscription, or any other distribution mechanism;

[d] Decompile, disassemble, or reverse engineer the Digital Properties or DOC DEVELOPMENT Services or any related software; and

[e] Use the Digital Properties or DOC DEVELOPMENT Services in any manner that violates these Terms or any local, state, federal, or international laws.

A User sending any communication in or through the Digital Properties or DOC DEVELOPMENT Services shall be solely responsible for the content and information contained therein, including, without limitation, its truthfulness, accuracy and completeness. Although DOC DEVELOPMENT reserves the rights to monitor, record, edit or remove any Content within the Digital Properties or DOC DEVELOPMENT Services, including User Content, DOC DEVELOPMENT has no obligation or responsibility to do so. In addition, DOC DEVELOPMENT shall not be liable or responsible to any User or any other person or entity for the performance or non-performance of the monitoring, recording, editing or removal activities mentioned above.

Without limiting the foregoing, DOC DEVELOPMENT reserves the right to remove, screen, filter, block, move, refuse, disable access to, or modify any User Content that violates these Terms, or the DOC DEVELOPMENT, in its sole discretion, finds to be objectionable, hurtful, or otherwise inappropriate. Users are responsible for complying with all applicable federal and state laws for their content, including copyright and trademark laws. Users will respect copyright and trademark laws. DOC DEVELOPMENT may also block your access to the Digital Properties or DOC DEVELOPMENT Services in the event that [a] you breach these Terms; [b] we are unable to verify or authenticate information you provide to DOC DEVELOPMENT; [c] we believe that your actions may cause financial loss or legal liability for you, DOC DEVELOPMENT Users, or us; or [d] we believe that blocking access is a reasonable business practice under the circumstances.

You warrant that you will not use the Digital Properties or DOC DEVELOPMENT Services to infringe on the intellectual property rights of others in any way. In accordance with the Digital Millennium Copyright Act (“DMCA”) and other applicable law, we have adopted a policy of terminating Users whom we deem, in our sole discretion, to be infringers of others’ intellectual property rights.

We do not guarantee that any content or information you share or access will not be removed, damaged, corrupted, lost, or unavailable. We recommend that you back up any content that you store or access using the Digital Properties or DOC DEVELOPMENT Services.


You agree that we may terminate your use of the Digital Properties or DOC DEVELOPMENT Services, or any portion thereof, if we reasonably believe that you have violated or acted inconsistently with the letter or spirit of these Terms and Conditions, or violated the right of DOC DEVELOPMENT or any third party, or for any other reason with or without notice to you. In such event, DOC DEVELOPMENT shall not be required to provide you with a refund or any other form of compensation. Upon termination, discontinuation, or cancellation of your account, including access to our Digital Properties, all provisions of these Terms which should survive will survive, including, without limitation, content rights and ownership provisions, warranty and professional/media services disclaimers, assumption of risk and indemnity, limitations of liability, and dispute resolution provisions.

Trademarks and Trade Names

All trademarks, service marks, trade names, logos and graphics (“Marks”) used in the Digital Properties or DOC DEVELOPMENT Services are trademarks or registered trademarks of DOC DEVELOPMENT. You may not use, copy, reproduce, republish, upload, post, transmit, distribute, or modify the Marks in any way, including in advertising or publicity pertaining to distribution of materials via the Digital Properties or DOC DEVELOPMENT Services, without DOC DEVELOPMENT’s prior written consent. The use of the Marks on any other website or networked computer environment is not allowed. You may not use the Marks as a “hot” link on or to any other website unless establishment of such a link is approved in advance, in writing, by DOC DEVELOPMENT.

Errors, Corrections, and Changes

We do not represent or otherwise warrant that the Digital Properties or DOC DEVELOPMENT Services will be error-free or free from viruses or other harmful components, or that we will correct any errors found within the Digital Properties or DOC DEVELOPMENT Services. We do not represent or otherwise warrant that the information available on or through the Digital Properties or DOC DEVELOPMENT Services will be correct, accurate, timely or otherwise reliable. We reserve the right at our sole discretion to change any Content, software, and other items used or contained in the Digital Properties or DOC DEVELOPMENT Services at any time without notice.

Third-Party Content and Links

The DOC DEVELOPMENT Services may contain links to third-party websites or other resources (“Third-Party Content”), but these links and sites do not form any part of our Digital Properties, DOC DEVELOPMENT Services, or Content. We provide these links only as a convenience to you and are not responsible for the content, products, or services available from those websites or resources or links displayed on such sites, nor are we responsible for updating or reviewing any Third-Party Content. You access and use Third-Party Content solely at your own risk.

You agree that DOC DEVELOPMENT: [1] is not responsible for examining or evaluating the content or accuracy of any Third-Party Content; and [2] does not warrant and will not have any liability or responsibility whatsoever for any Third-Party Content. You agree not to use any Third-Party Content in any manner that would infringe or violate the rights of any other party, and that DOC DEVELOPMENT is in no way responsible for any such use by you.

DOC DEVELOPMENT does not in any way, implicitly or explicitly, endorse or control any information accessed on or from any third-party website or Apps, and assumes no responsibility for any material which may be accessed through such links. You acknowledge sole responsibility for, and assume all risk arising from, your use of any third-party websites, Apps, or other resources. We remind you to review the applicable agreements and policies when visiting any third-party websites, including policies with respect to the use, collection and disclosure of your personal information that may differ from DOC DEVELOPMENT’s.

The Digital Properties or DOC DEVELOPMENT Services may contain content supplied by third parties, including, without limitation, other Users, advertisers, merchants and sponsors. Accordingly, DOC DEVELOPMENT has no editorial control over such content. Any opinions or other information or content expressed or made available by third parties, including information providers, Users, or any other user of the Digital Properties or DOC DEVELOPMENT Services, are those of the respective author(s) and not of DOC DEVELOPMENT. DOC DEVELOPMENT does not guarantee the accuracy, completeness, merchantability or fitness for any particular purpose nor the legality of any content provided by any of these parties.

You understand that we do not operate or control the products or services offered by third-party merchants. These merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a direct party to any transaction entered into between you and any merchant. You agree that use of or purchase from such merchants is at your sole risk and without warranties of any kind by us. All rules, legal documents (including privacy policies), and operating procedures of any merchant will apply to you while on any merchant website(s).

Linking to our Website and Digital Properties

You may seek written permission to provide links to our Website or Digital Properties. If we grant you permission to provide links to our Website or Digital Properties you understand that: [1] you will not remove or obscure any portion of our Website by framing or other means; [2] your website will not engage in, without limitation, illegal or pornographic activities; and [3] you will cease to provide links to our Website or Digital Properties immediately upon our request.

Mobile Services

The Digital Properties or DOC DEVELOPMENT Services may include certain elements that may be available via your mobile phone, including, without limitation: [1] the ability to book and/or purchase DOC DEVELOPMENT products or services; [2] the ability to receive and reply to DOC DEVELOPMENT’s messages; [3] the ability to browse our Website or Digital Properties; and [4] the ability to access certain DOC DEVELOPMENT features through a mobile application you have downloaded and installed on your mobile phone (collectively the “Mobile Services”). Unless specifically noted to the contrary, we do not charge for these Mobile Services. However, your carrier’s normal messaging, data and other rates and fees will still apply. You should check with your carrier to find out what plans are available and how much they cost. In addition, downloading, installing or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. Therefore, you should check with your carrier to find out if the Mobile Services are available for your mobile device(s), and what restrictions, if any, may be applicable to your use of such Mobile Services. By using the Mobile Services, you agree that we may communicate with you regarding DOC DEVELOPMENT, other entities, and our Services, by SMS, MMS, text message or other electronic means to your mobile device, and that certain information about your usage of the Mobile Services may be communicated to us.

DOC DEVELOPMENT does not warrant that: [1] your use of the Digital Properties or DOC DEVELOPMENT Services will be uninterrupted or secure; [2] the Digital Properties, DOC DEVELOPMENT Services, or Content will be always available or error free or meet your requirements or needs; [3] any or all defects or errors in the Digital Properties, DOC DEVELOPMENT Services, or Content will be corrected or; [4] the Digital Properties, DOC DEVELOPMENT Services and/or Content provided is/are accurate, current or complete. We reserve the right to modify and/or discontinue the Digital Properties or DOC DEVELOPMENT Services, or access thereto, at any time without notice to you. To the extent you communicate with a DOC DEVELOPMENT representative through any source or means, the statements and promises made or actions taken by them shall not limit or otherwise modify the terms of this disclaimer and/or these terms of use, and this disclaimer shall apply to any information provided to you through such sources.

In consideration of your use of the Digital Properties or DOC DEVELOPMENT Services, you understand and voluntarily accept the risks and agree to indemnify, defend and hold harmless DOC DEVELOPMENT and its officers, directors, employees, consultants, agents, successors and assigns, from and against any loss, liability, claim, demand, damages, costs and expenses, including all legal and other reasonable fees and expenses for investigating or defending any action or threatened action (as well as settlement costs) which any of the indemnified parties may incur in connection with any claim arising out of or resulting from: [1] any breach by you of these Terms; [2] your use of the Services, Content, your account, and/or your User Content; and/or [3] any violation by you of any law or third-party rights, including, without limitation, for personal, bodily, or mental injury, wrongful death, emotional distress, economic loss, loss of services or other damages or harm or any damage to you, your spouse, unborn child, or other third parties resulting from your use of the Digital Properties, DOC DEVELOPMENT Services, or Content, including without limitation, the negligence of DOC DEVELOPMENT or anyone acting on DOC DEVELOPMENT’s behalf. You understand and acknowledge that DOC DEVELOPMENT is providing informational services only and may not be held liable for defective products.

DOC DEVELOPMENT hereby disclaims all warranties, express, implied, statutory or otherwise, with respect to any Services, Content, or information that it provides, including any/all information made available through the DOC DEVELOPMENT Services.

Limitation of Liability

In no event shall DOC DEVELOPMENT, nor any other party involved in creating, producing, or delivering the Digital Properties, DOC DEVELOPMENT Services, or Content, be liable: [1] to you for any punitive, special, incidental, consequential or other indirect damages (including, without limitation, damages for loss of data or goodwill, loss of programs, lost profits, cost of procurement of substitute services or cost of service interruptions) arising out of or related to the use of, or inability to use the Digital Properties or DOC DEVELOPMENT Services, and any and all equipment or devices received by you (if any) as part of your use of the Digital Properties or DOC DEVELOPMENT Services, even if DOC DEVELOPMENT or its agents or representatives know or have been advised of the possibility of such damages; or [2] to any person other than you for any damages whatsoever.

DOC DEVELOPMENT disclaims all liability, regardless of the form of action, for the acts or omissions of other Users or unauthorized users (a/k/a “hackers”) of the Digital Properties or DOC DEVELOPMENT Services, except where due to DOC DEVELOPMENT’s gross negligence or willful misconduct.

DOC DEVELOPMENT expressly disclaims liability for all damages and assumes no liability or responsibility for any loss, injury, or damage suffered by any person as a result of the use, misuse, reference to, reliance on, or results obtained from any information, videos, audio or training manuals made available via or on the Digital Properties or DOC DEVELOPMENT Services, or from information obtained at linked sites or recommended products, or any other Content on the Digital Properties or DOC DEVELOPMENT Services.

In no event shall DOC DEVELOPMENT be liable to you or anyone else for any amount in excess of the amounts paid by you (or by a third party on your behalf, and only to the extent such amount is directly attributable to you and not another User) to DOC DEVELOPMENT for access to the Digital Properties or DOC DEVELOPMENT Services.

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages or the limitation on how long an implied warranty lasts, so the above limitations or exclusions may not apply to you. You may also have other rights, which vary by jurisdiction.

By voluntarily choosing to use the Digital Properties or DOC DEVELOPMENT Services and accessing our Content, in addition to the payment of any fee or charge, you hereby waive, release, and forever discharge DOC DEVELOPMENT and its directors, officers, agents, contractors, employees, representatives, heirs, successors and assigns, administrators, executors, and all others from any and all responsibilities or liability from injuries or damages resulting from your use of the Digital Properties, DOC DEVELOPMENT Services, and Content. You also hereby release all of those mentioned and any others acting upon their behalf from any responsibility or liability for any injury or damage to yourself, including those caused by the negligent act or omission of any of those mentioned, or others acting on their behalf or in any way arising out of or connected with your participation use of the Digital Properties or DOC DEVELOPMENT Services. This provision shall apply to all acts of negligence but shall not apply to willful or wanton acts, or those of an intentional/criminal nature.

Personal Data and Privacy Policy

All information provided by you or collected by us in connection with your use of our Digital Properties or DOC DEVELOPMENT Services including your payment information (collectively your “Personal Data”), will be collected, used and disclosed pursuant to the terms of our Privacy Policy (above) which is incorporated herein by reference. DOC DEVELOPMENT may amend its Privacy Policy from time-to-time, in its sole discretion, without being liable to you or any other person, by making an amended Privacy Policy available through our website or otherwise notifying you. Each time you use the Digital Properties or DOC DEVELOPMENT Services, you consent to the collection, use, and disclosure of your PD by DOC DEVELOPMENT in accordance with our Privacy Policy (above), as amended from time to time.

Governing Law

This Agreement shall be interpreted, administered and enforced in accordance with the laws of the State of Georgia (exclusive of its conflict of laws rules). Any claim or cause of action of any kind arising out of or connected with these Terms shall be adjudicated solely and exclusively in either the U.S. District Court for the Atlanta District of Georgia or the State Court of Decatur, Georgia. You and DOC DEVELOPMENT (each a “Party” and collectively the “Parties”) consent to the personal jurisdiction of such courts for this purpose and waive any objection to the personal jurisdiction or venue thereof, including forum non-convenience. Notwithstanding the forgoing, a judgement obtained in the State of Georgia may be enforced in any other state, district or territory.

General Provisions

These Terms and Conditions, accepted upon first accessing the Digital Properties or DOC DEVELOPMENT Services, including all policies, terms and conditions or other documents and agreements you may accept and/or are incorporated by reference, constitutes the entire agreement between you and DOC DEVELOPMENT regarding the use of the Digital Properties or DOC DEVELOPMENT Services. Any and all other written or oral agreements or understandings previously existing between you and DOC DEVELOPMENT with respect to use of the Digital Properties or DOC DEVELOPMENT Services are hereby superseded and cancelled. If any provision of these Terms and Conditions is found unlawful, void, or unenforceable, then such provision shall be deemed severable from the rest of the Terms and shall not affect the validity and enforceability of any remaining provisions.

Our Communication with You

By accessing the Digital Properties, DOC DEVELOPMENT Services, or Content, you consent to receive communications from us regarding the use of the Digital Properties, DOC DEVELOPMENT Services, and Content, and authorize us to send you other communications, newsletters, or offers regrading third-party products and services. If you do not opt-in to receive our communications, the remainder of these Terms will continue to apply to you and your use of the Digital Properties and DOC DEVELOPMENT Services.