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Refund Policy

Physical Products

Most apparel items are fulfilled by 3rd party suppliers so we cannot refund or exchange the item if you ordered the wrong size, have buyer’s remorse, provide your address incorrectly, or have an unclaimed shipment returned to our 3rd party fulfillment center. Shipments that go unclaimed and are returned will be liable for the cost of a reshipment. If any address is considered insufficient by the courier and is returned, you will be liable for reshipment costs once we have confirmed an updated address with you. Any claims for misprinted/ damaged/ defective items/packages lost in transit must be submitted directly to our customer service department within 30 days. You can contact our Customer Service Department at (480) 608-1000 during the hours of 9 AM – 6 PM MST, Monday through Friday or reach us via email at chat@paramountcorporate.com

If you are not completely satisfied with any other purchases not from our 3rd party fulfillment center, simply return the physical product in NEW condition, along with proof of purchase, within 30 days and you will receive a full refund (less shipping and handling). You can contact our Customer Service Department at (480) 608-1000 during the hours of 9 AM – 6 PM MST, Monday through Friday for or reach us via email at chat@paramountcorporate.com for refund procedures or if you do not know if your product is from our 3rd party fulfillment center. Please be advised that shipping costs to and from the fulfillment center or us are not reimbursed.

Digital Download Products, and Paramount Leadership Academy

There is no refund at all on any digital products. You will receive access to the academy training platform for the amount of time that was stated on the product description you purchased. If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at (480) 608-1000 during the hours of 9 AM – 6 PM MST, Monday through Friday, so we can resolve the issue. Purchase of a Paramount Leadership Academy training module does not grant rights to the buyer to share, reproduce or resell the product in any way.

If you have subscribed to the individual month-to-month Cardone University Training Access program, to cancel your subscription please visit paramountcorporate.com/account/my-subscriptionsl and select “Cancel Subscription” under your plan. Please be advised, that the cancellation of the monthly subscription is effective in the month in which you have canceled. There are no refunds regardless of usage of the product.

All digital and downloadable product sales are final. We do not offer digital product refunds, once a download/digital access has been assigned to you there is nothing we can retrieve back. If you are attempting to cancel your automatic renewal of Paramount Leadership Academy, please visit https://www.paramountcorporate.com/account/my-subscriptions.

Please be advised that any and all agreements for downloadable/digital products, Paramount Leadership Academy digital products are NOT subject to cancellation, refund or store credit.   We do not accept any verbal modifications of these Agreements and the “no refund and no cancellation”  policy stated in the Agreements is strictly adhered to. AFTER the full term of the agreement has expired, you may request to cancel the automatic renewal of the Agreement or your Agreement will be converted into a month-to-month Agreement. Any cancellations submitted prior to the full term of the agreement will only cancel the auto renewal and your monthly invoices will still be due and owing until the full value of the agreement has been paid in full.  ALL BUILD OUT FEES AND SET UP FEES ARE NONREFUNDABLE AS THEY ARE SERVICES RENDERED TO CREATE YOUR ACCOUNT. Agreements with a 90 day opt out clause do not include a refund on the initial investment. There is NO refund on digital products or build-out fees.  By signing the Agreement, you agree to all Terms of Use and this Terms of Purchase and Refund Policy including that you agree to not do a chargeback for any services rendered, or for digital products that have been delivered. You also agree and acknowledge that you are paying in monthly installments on your total contract value as a payment plan, not a recurring subscription fee.

Canceling or removing the credit card on file does not cancel your subscription and violates the terms of the agreement. If at any time you have delinquent invoices past 90 days, or the account is paid delinquently for three consecutive payments, your account will be suspended, and you will still be liable for the full contract value through the term of the agreement.

If you have any problems accessing the digital content you have purchased please contact our Customer Support Department immediately at (480) 608-1000 during the hours of 9 AM – 6 PM MST, Monday through Friday, so we can resolve the issue. Digital product purchases do not grant rights to the buyer to share, reproduce or resell the product in any way.

Gift Certificates and Coupon Codes

If you have received a coupon code for free merchandise or a gift certificate for merchandise from the Company or any of its affiliates, the coupon code or gift certificate is only good for a single use and up to the value on the code or card. Any physical items purchased are in accordance with the refund policy and digital products are nonrefundable and not eligible for exchange or store credit.

Paramount Mentor Programs

Please be advised that the Mentor Program runs on an eight (8) week schedule that begins and ends on a certain date that is determined by your start date.  The Mentor calls are recorded and may be accessed during the eight (8) week period in which you are enrolled. Access to the recorded calls terminates at the end of your eight (8) week program.

There are no refunds for the program and no refunds or credit for any missed calls. No part of the program, including any gratis tickets, passes or invitations, are transferable to another person. It is incumbent upon the Mentee to dial in to the calls and follow the schedule. Please refer to the remaining Terms of Purchase and Refund Policy for our online community guidelines.

If you received this program gratis or as part of a bundled promotion, or if you received another product or service with the purchase of the Mentor Program, please be advised that gratis items do not have monetary value and are not transferable nor are they eligible for refunds or store credit.  The Mentor Program also includes a pass to one (1) Paramount HQ Day which is held monthly. All Paramount HQ Day events are subject to availability and are limited to 125 participants so early registration is encouraged so that you may attend in your desired month.   If the event is full, you may register for the following month’s event. If you register for an event and you do not attend, you forfeit the gratis pass to attend. Once you’ve registered, there is no transferring your pass to another event at a later date nor is the pass transferable to another person. Selling the pass is prohibited and the Mentee’s name on the pass must match the name as it appears on their government issued identification.  Again, availability is on a first come, first served basis so ensure you reserve your spot early before you make travel plans. Costs for travel and accommodations are not included.

By becoming a part of the Mentor community, you agree to abide by our online community guidelines and you agree to all the terms and conditions of our refund policy, terms of service and privacy policy.

If you are dissatisfied with the Mentor program after your first call, please contact info@paramountcorporate.com for a store credit.  If more than one day has passed you will not be entitled to a store credit.

Mentee Affiliate Program

Mentees who are participating in the Mentor Affiliate Program from April 7, 2020 and forward are entitled to receive “earned” commissions for any program they sell as an Affiliate Mentee. Please be advised that commissions under this program are paid out after 60 days, on the 15th of the following month after the 60 days have passed. Earned commissions are those commissions that have cleared payment and have not been subject to a chargeback. Any unearned commissions are subject to a 45-day claw back period.

ATTENTION TO PURCHASERS OF ANY LIVE EVENT TICKETS:

Live Event Tickets

In order to enter any Live Event, you must have your own valid Ticket.  One Ticket is required per attendee and will only be valid on the day(s) of the Event and area(s) of the Event as indicated on the Ticket. Entry into the Event is limited to persons that meet the minimum age requirements on or before the day of the Event.  To enter a Live Event you must be at least eighteen (18) years of age or older unless otherwise specified for a particular event. No one is permitted entry without a ticket (this means no small children on your lap and no babies).

Babies and lap children are not permitted to enter the event and you will be denied access if you are accompanied by a baby or child under the age of 18, unless otherwise specified for a particular event and with a valid ticket for each individual attending. Portable car seats and strollers are not allowed in any event area. Additionally, no strollers, diaper bags, car seats or backpacks are permitted in the Live Event Area, unless specified that backpacks are allowed.  This event is for mature audiences only.

You must have one of the following forms of approved identification to enter the Event that demonstrates proof of age.  No exceptions will be made, even if you are accompanied by an adult or a person with valid identification.   Failure to provide valid identification shall preclude you from entering the Event and you shall not be entitled to any refund nor will you be entitled to, or will the Company be liable for, any other damages, including, but not limited to, incidental and/or consequential damages.  In addition, during the Event, you must be able to provide valid identification if requested by a member of security or crew. If you are not able to show a valid identification, you may be promptly ejected from the Event and you shall not receive a refund of Your Ticket.

The following original forms of identification are ACCEPTABLE and your name must appear on the ticket exactly how it appears on your identification:

  • Government-Issued Passport with Photo;

  • Government Driver’s License with Photo (U.S. or Canada);

  • Military Identification Card with Photo; or

  • Government-Issued Identification Card with Photo.

No other forms of identification will be accepted.

If you are unable to attend an event, you may request a 100% credit to our online store, but this request MUST be made at least 15 days before the event. You may also “roll” the ticket over to use at a future live event. However, please be advised that this only applies to tickets that are purchased without restrictions. There is only one ticket change request allowed per ticket or per purchase. We reserve the right to deny any subsequent ticket change requests. Any ticket purchased as part of an Agreement or with a promotional gift item, such as a “gift with purchase” is not subject to store credit and is forfeited if not used on the date of the intended event.

All requests for credit must be submitted to events@paramountcorporate.com at least 15 calendar days prior to the Event. Please note that Processing Fees on ticket purchases are non-refundable and are not eligible for store credit.  If your ticket includes the purchase of a hotel room, the hotel room is non-refundable and non-transferable to another event. Any request for credit or to transfer the ticket to another event made less than 15 days before the event will be denied in accordance with this policy. Only tickets purchased without restrictions and not as part of a bundle or promotional giveaway are eligible to receive store credit.

Only tickets purchased without restrictions may be changed as a one-time courtesy for a future event or a store credit if the request is made in writing at least 15 days prior to the event. Any request made less than 15 days before the event will be denied.  There is a one-time change fee of 25% of the ticket price or $500.00, whichever is the lesser amount.

If you do not attend the event and request a credit AFTER the date of the event, you will be denied store credit. All requests for store credit must be in writing and occur 15 days prior to the date of the event.

In accordance with all federal and state laws, we reserve the right to refund tickets, deny access or refuse entry to any live event if we deem it in the best interest for the safety of the public, the speakers, employees and/or participants.

If your live event ticket was received as part of a bundle or was a gift with purchase of another product for which there is a payment plan, the payment plan must be paid in full at least 60 days prior to the event or the ticket is considered forfeited and you will not receive any store credit for the value of the ticket.

Any ticket that was received as part of the Paramount Leadership Academy or any Paramount affiliate purchase is nontransferable and nonrefundable. Those tickets must be used within the allotted time frame in the contract, or they are forfeited. These tickets are non-transferable and non-refundable. Once you have redeemed the ticket and/or reserved your seat for the event, they may not be canceled or changed to any other event at a future date. They may not be exchanged for any item and are not eligible for store credit.

All tickets are nontransferable without notifying Customer Service to transfer the ticket for you.  At the event, ticket holders must show state or federal identification or a passport, and it must match the name of the ticket holder.

Your ticket purchase may come with a specially coded badge that allows you access in accordance with the level of ticket you purchased. Due to the nature of the special coding done by a third-party vendor, we will not be able to replace your badge and it could affect your ability to access certain activities during the Event or restrict access to certain locations in the venue. In most instances, badges will be mailed to the mailing address provided at the point of purchase. This badge is evidence of your registration and seat selection and is not eligible to be replaced should you lose the badge or leave it behind when you travel to the Event for which it was purchased. Also, for security purposes all attendees must be wearing their badge during the Event to identify their ticket level. Please ensure that your badge is with you and on your person at all times during the Event for which it was purchased.

If you have received a coupon code for a free live event ticket, the seat remains the property of Paramount Leadership until such time that you have tendered proof of hotel booking or purchase of air fare. Once we have accepted your documentation, you will be able to reserve and select your seat. If you do not select your seat at least 30 days before the event, your coupon will be forfeited.

Please be advised that we are not able to provide you with an Invitation Letter or any other immigration documentation to assist you in obtaining a Visa to travel to the United States. We advise international purchasers to obtain a travel visa prior to purchasing the live event ticket. If you live in a country that prohibits travel to the United States, we are unable to assist with any documentation. All Live Event tickets are nonrefundable and/or only available for a store credit under certain programs as outlined in these terms and conditions.

If your even ticket came with a hotel room, please be advised that all hotel accommodations are subject to availability. Should the hotel in the offer not have availability at the time of booking, then the closest hotel of similarity will be chosen. As we do not control the hotel and its reservations, we are unable to guarantee a room at the exact hotel in the offer should their rooms fill up before booking occurs. The replacement hotel will be selected based on proximity to the event, availability, and similarity of amenities. If you choose to forfeit the replacement hotel, there is no credit for the cost of the hotel and you will be solely responsible for the payment of your own selected hotel.

If any of our live events are postponed due to a temporary supervening event that arises without the fault of the Company, then any tickets purchased for that live event will automatically be rolled over for the next available date for that event. We reserve the right to convert any live event into a virtual event if the event is restricted by government regulations.  Supervening events are defined as Acts of God; government requests brought about for political reasons or not; changes of law, including deleted legislation and executive orders; strikes; industrial disputes; riots, rebellion and war; local government closures due to weather; and any other reason for the safety and health of the community at large. If an event cannot be rescheduled within 180 days, the purchaser shall receive a store credit in the amount of the original purchase unless the ticket has been rolled over to another event by either the purchaser or Paramount Leadership. If you have chosen to roll your ticket over to another event, the ticket is thereby redeemed and will be forfeited if not used.

Payment Plans for Live Events and Hotel Accommodations

Please be advised that your payment plan must be paid in full in order to select your seat. If you do not select your seat at least 30 days before the event, your seat will be forfeited or selected for you. If your live event purchase came with a hotel accommodation, you must be paid in full at least 60 days before the event or the hotel room is forfeited without a refund or credit to your account. Hotel accommodations are limited and available only while supplies last and we cannot guarantee a room will be available if you have not made all of your payments pursuant to the payment plan in a timely fashion. Hotel rooms are nonrefundable.

You Are Subject to Search

At any live event, we are obligated to follow all venue rules as far as search and items that are permitted and not permitted into the venue. You and your belongings may be searched on entry to the event. You consent to such searches and waive any related claims that may arise. If you elect not to consent to such searches, you may be denied entry to the event without refund or other compensation. Under certain facility rules, certain items may not be brought into the premises, including without limitation, firearms, alcohol, drugs, controlled substances, cameras, recording devices, laser pointers, strobe lights, irritants (e.g., artificial noisemakers), bundles and containers.

Venues do not allow laptops, tablets or any computers into the venue. Also, no backpacks or large bags allowed.

Unlawful Resale of Tickets; Promotions

Unlawful resale (or attempted resale) of any tickets is grounds for seizure and cancellation and the issuance of a store credit. Certain maximum resale premiums and restrictions may apply in some states and we cannot be responsible for providing legal advice regarding resale or pricing of tickets. You are responsible for complying with all applicable ticket resale laws. In addition, we reserve the right to restrict or deny ticket purchasing privileges to anyone that we determine to be, or has been, in violation of our policies. Because we do not guarantee the authenticity of tickets purchased from any non-authorized third-party reseller (such as brokers or individuals), we recommend that you purchase tickets directly through us, authorized affiliates or licensees to ensure ticket authenticity. Tickets may not be used for advertising, promotions, contests or sweepstakes, unless formal written authorization is given by us.

If you have purchased a suite or sponsor table at any of our events, you must provide the names for all attendees and tickets may not be sold to any purchased suite or sponsor table. Tickets, sponsorships and suites are nontransferable.

Any bulk purchase of tickets (5 or more) are not permitted for re-sale. The names of the attendees for whom the tickets were purchased must be provided no later than 90 days prior to the event for which the tickets were purchased. Failure to so will result in the tickets being revoked and the purchaser will receive a store credit for one-time use.

Any counterfeit or altered tickets will be seized immediately without compensation and no entry will be permitted to the Live Event.

Ticket-Holder Behavior Policy; Ejection and Cancellation.

We reserve the right to refuse admission to or eject any person whose conduct we deem is disorderly, disruptive or not in keeping with the purpose of the event. This includes, but is not limited to anyone who uses profane, vulgar or abusive language, who fails to comply with the venue’s rules or policies or violates any of the Companies’ Terms of Use or Terms of Sale. In any such event, you shall not be eligible for, and we shall not be obligated to issue you, a refund for any such purchase, and we shall not be liable for any incidental or consequential expenses incurred by you.

Notwithstanding anything herein to the contrary, no refund shall be provided to you in the event you violate the Terms and Conditions of Use or the Terms and Conditions of Sale of this Website, or in the event you fail to abide by all rules and policies related to the venue where the event is located, which violation or failure results in your inability to gain admittance to the venue or ejection from the venue.

In the event your ejection from a venue results in the loss of a Third-Party’s ticket, you shall be liable for all costs, expenses and losses associated with such Third-Party loss.

Attention for international customers who are purchasing tickets to live events:

Please be advised that we are not able to provide you with an Invitation Letter or any other immigration documentation to assist you in obtaining a Visa to travel to the United States. We advise international purchasers to obtain a travel visa prior to purchasing the live event ticket. If you live in a country that prohibits travel to the United States, we are unable to assist with any documentation. All Live Event tickets are nonrefundable and/or only available for a store credit under certain programs as outlined in these terms and conditions.

By purchasing a ticket to any of our events and/or attending,  you acknowledge and agree to be bound by the terms and conditions set forth in this Refund Policy as well as the Terms of Use and Privacy Policy. If you do not agree to these Policies, please do not attend the Event or purchase anything, or enter into any transaction with us.  

Publicity Release; Information Sharing

You agree that the event for which you purchase tickets is a public event, that your appearance and actions inside and outside the venue where the event occurs are public in nature, and that you have no expectation of privacy with regard to your actions or conduct at the event. You grant permission to us, the Event Provider(s), our partners, licensees and assigns, including but not limited to our brand and media partners, to utilize your name, image, likeness, acts, poses, plays, appearance, movements, and statements in any live or recorded audio, video, or photographic display or other transmission, exhibition, publication or reproduction made of, or at, the event (regardless of whether before, during or after play or performance) for any purpose, in any manner, in any medium or context now known or hereafter developed, without further authorization from, or compensation to, you or anyone acting on your behalf.

By attending any Live Event, you hereby irrevocably grant to Paramount Leadership, affiliates, designees, successors, assigns and licensees, the right to film and otherwise record you and use your name, image and likeness in any and all media for any purpose, including, without limitation, advertising and promotional purposes as well as in, on or in connection with future Paramount Leadership events and/or other events produced by Michael Glover or any of Paramount’s affiliates and hereby release Paramount Leadership and each of the respective designees, successors, assigns, licensees and affiliates from any liability with respect thereto. Additionally, there will be still photographs and video segments taken throughout the event by Paramount Leadership,  and any other third-party participant, such as speakers and sponsors. Therefore, the purchase of any live event ticket is made with the understanding that it also contains a WAIVER AND RELEASE, and that you agree to the following:

I irrevocably grant permission to Paramount Leadership, and all affiliated companies, to use my likeness in a photograph, video, or other digital media (“photo”) in any and all of its publications, including web-based publications, without payment or other consideration. I waive any right to inspect or approve the finished product wherein my likeness appears. Additionally, I waive any right to royalties or other compensation arising or related to the use of the photo. My actual testimony will not be edited. I acknowledge that there will be no compensation for my testimonial.  I understand and agree that all photos and videos will become the property of Paramount Leadership Group, LLC,  and all affiliated companies and will not be returned.

I hereby hold harmless, release, and forever discharge Paramount Leadership Group, LLC,  and all affiliated companies from all claims, demands, and causes of action which I, my heirs, representatives, executors, administrators, or any other persons acting on my behalf or on behalf of my estate have or may have by reason of this authorization. If my testimony is cut or not used, I agree that this was at the artistic discretion of Paramount Leadership Group, LLC,  and all affiliated companies and or its affiliates and that I will not take legal action. I also agree that any claims will be Arbitrated through the American Arbitration Association and that jurisdiction for any all claims is Mesa, Arizona.

I hereby RELEASE, WAIVE and FOREVER DISCHARGE any and all claims arising out of, or in connection with, such use by Paramount Leadership Group, LLC,  and all affiliated companies, including without limitation any and all claims for libel or invasion or privacy. I have read the above Release and am fully familiar with the contents thereof. This Release contains the entire agreement between the parties hereto and supersedes any other Agreement that may exist.

Please contact our Customer Support Department at (480) 608-1000 during the hours of 9 AM – 6 PM MST, Monday through Friday or via email at  chat@paramountcorporate.com or  events@paramountcorporate.com regarding all ticket questions.

Payment Plans

If a product or service is purchased utilizing a monthly payment plan the customer is responsible for 100% of agreed-upon payments equaling the original purchase price of the product. If any payments are not received, the entire purchase is void and the payments made up to that point are forfeited to and will not be refunded. Access to any digital product or platform will be removed. Any payment plans that include live events must be paid in full 60 days prior to the event date or your ticket will be forfeited, and you will receive a store credit in the amount paid up to 60 days of the date of the event.

COVID-19 and Live Events and Live Components to Programs 

We follow all CDC Guidelines and all local, state, and federal governmental regulations in order to provide a safe environment for event attendees. We also take precautions, such as temperature screening, social distancing guides and However, this is not a guarantee or a promise of a virus-free environment. We will  follow the rules of the event venue which may have stricter masking policies we must follow in order to hold the event. If necessary, we may convert an event into a virtual experience.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE

Offers and discounts may not be combined.

Bonus Guarantee on All Deals, Products and Services

If at any time you purchase an item, ticket or digital product and in the future a bonus or free gift is offered under the same exact terms of purchase, we will guarantee you receipt of that bonus or free gift while supplies last or within 3 months of purchase.  If the bonus or free gift item is a ticket or a ticket upgrade to a live event, fulfilling this guarantee will be subject to availability as certain ticket levels and events have limited seating and availability.  ONLY AVAILABLE WHILE SUPPLIES LAST.

Returning Items from Deals that Included Gifts with Purchase and Bonus Items

If you are returning an item or requesting a store credit on any item purchased with a bonus or free gift, you are required to return the bonus or free gift. If you chose to retain the bonus or free gift, your refund or store credit will be reduced for the value of the bonus and free gift at the time of your purchase.

PURCHASES THAT INCLUDE OFF SITE ACTIVITIES THAT REQUIRE A WAIVER  

If you have purchased a product or program that includes a form of physical activity that is either on or off the premises of Paramount Leadership or its chosen venue, then you shall assume all liability and shall release, defend, indemnify, and hold Paramount Leadership, its affiliates, and their respective employees, officers, directors, and agents (all as indemnified parties) free and harmless from and against all losses in connection herewith in respect of injury to or death howsoever arising and whether or not caused by the negligence (whether sole, joint, or concurrent, or active or passive) of the indemnified parties, except to the extent such loss is caused by the gross negligence or willful misconduct of an indemnified party.

PURCHASE MADE USING A THIRD PARTY FUNDING COMPANY

You hereby agree to indemnify and hold harmless Paramount Leadership, and its subsidiaries and Clients, and their directors, officers, employees, agents, shareholders, partners, members, and other owners, against any and all claims, actions, demands, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) (any or all of the foregoing hereinafter referred to as “Losses”) insofar as such Losses (or actions in respect thereof) arise out of the use of any third-party lender. You agree to perform your own due diligence and acknowledge that Paramount Leadership is not performing any financial services of any kind.

PURCHASES FROM AN AFFILIATE

Any purchase made through a third-party affiliate is subject to the affiliate’s terms and conditions. Any requests from refunds should be made directly to the affiliate from whom the product or service was purchased. Be sure to save your invoice and receipts from any affiliate purchase so that we may direct you to the proper party should an issue arise.

Account Status

If your account is in arrears or not in good standing for any reason, then any special offers, flash sales, deals, bonuses, gifts with purchase, coupons, discounts and incentives are not available for use.

OFFERS, DEALS, PROMOTIONS, BONUS ITEMS AND GIFTS WITH PURCHASE FROM AFFILIATES, SPONSORS OR CO-VENTURERS

From time-to-time, Michael Glover and Paramount Leadership organizations may host, co-host or co-venture with an affiliate, business associate or sponsor at an event or for a special promotion. As such, some of the items or deals may not be purchased from Michael Glover or any of the Paramount Leadership organizations. If you purchased an item from an affiliate, business associate or sponsor you are subject to the terms of their purchase and we are not able to provide any exchanges or refunds. Please contact the affiliate, business associate or sponsor on your receipt from your purchase for their policy and instructions.

Any item purchased from an affiliate that is to be fulfilled by an affiliate will require the purchaser to communicate with the affiliate regarding any customer service or technical issues. We cannot guarantee or provide a refund or credit on items we do not fulfill.

By purchasing any item, product or event from this website, you acknowledge and agree to be bound by the terms and conditions set forth in this Policy as well as the Terms of Use and Privacy Policy If you do not agree to these Policies, please do purchase anything, or enter into any transaction with us.  

Be sure to return to this Policy periodically to review the most current version of the Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify this Policy without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page and upon request we will provide you with information regarding any changes made.  This policy was last updated on March 7, 2022.