Welcome to the Silver&Fit® program website (the “Silver&Fit Website”), which is owned and operated by American Specialty Health Incorporated, a Delaware corporation with a mailing address of 10221 Wateridge Circle, San Diego, CA 92121, on behalf of itself and its subsidiaries (collectively “ASH” or “We”). The Silver&Fit® program is a fitness and healthy aging education program designed for older adults and is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated.
READ CAREFULLY. The following Terms and Conditions, together with the Silver&Fit Website Privacy Statement, constitute the legally binding agreement between each user (“you”) and ASH concerning the use of the Silver&Fit Website (this “User Agreement”). By using the Silver&Fit Website, you accept and agree to be bound by the following Terms and Conditions and the Silver&Fit Website Privacy Statement
IMPORTANT NOTICES AND DISCLAIMERS:
- THE SILVER&FIT WEBSITE IS NOT INTENDED TO PROVIDE INSTRUCTIONS IN THE EVENT OF AN EMERGENCY. IF YOU BELIEVE YOUR SYMPTOM(S) OR SITUATION IS LIFE-THREATENING, CALL 911 OR YOUR EMERGENCY MEDICAL SYSTEM IMMEDIATELY.
- Medical Advice and Health Information Disclaimers:
- ASH IS NOT A MEDICAL PROVIDER AND ITS STAFF CANNOT GIVE MEDICAL ADVICE OR PROVIDE ANY INFORMATION CONCERNING THE DIAGNOSIS OR TREATMENT OF ANY MEDICAL OR HEALTH CONDITION. THE INFORMATION ON THE SILVER&FIT WEBSITE IS OF A GENERAL NATURE AND IS INTENDED ONLY FOR EDUCATIONAL PURPOSES TO HELP WITH YOUR PERSONAL FITNESS AND HEALTHY AGING GOALS AND SHOULD NOT BE RELIED ON AS MEDICAL ADVICE. THE INFORMATION ON THE SILVER&FIT WEBSITE SHOULD NOT BE USED AS A SUBSTITUTE FOR THE DIAGNOSIS OR TREATMENT OF OR CONSULTATION CONCERNING ANY MEDICAL OR HEALTH CONDITION BY QUALIFIED HEALTH CARE PROFESSIONALS.
- The Silver&Fit Website and services are in no way intended to be professional medical advice, or substitute for professional medical advice, nor do they provide medical services or a medical exam. Furthermore, the Silver&Fit Website and services are intended for educational purposes only. Products and services available on the Silver&Fit Website are not insurance. The Silver&Fit Website expressly prohibits you from using information and services on the Silver&Fit Website to diagnose, treat, cure, or prevent any medical condition. Application or reliance on any of the content, techniques, ideas and suggestions accessed through the Silver&Fit Website is at your sole discretion and risk.
- The information provided on the Silver&Fit Website does not substitute for or replace services of trained professionals in their fields of expertise. We recommend consulting with a doctor on a regular basis with respect to any matter relating to physical or mental health, especially concerning symptoms that may require diagnosis or medical attention. Neither ASH nor any of its affiliates, licensors or suppliers makes any representations or warranties concerning any treatment, action or application of medication or preparation by any person following the information provided on or through the Silver&Fit Website. ASH shall not be liable for any direct, indirect, consequential, special, exemplary, or other damages that may result from the use of the Silver&Fit Website, including, without limitation, any such damages with respect to any economic loss, injury, illness or death.
- You should not delay or forego seeking medical care from a licensed health care professional because of information that may be referenced on the Silver&Fit Website. You should consult with your physician or pharmacist before taking any prescription or over-the-counter drugs (including any herbal medicines or dietary supplements) or following any treatment or regimen. Only your physician or pharmacist can provide you with advice on what is safe and effective for you.
- You agree that you will not use information provided on the Silver&Fit Website to self-diagnose, treat, cure, or prevent any medical condition.
- The information contained herein has been devised generally and could be affected by certain cultural, social, dietary, or language differences.
- Personal Health Improvement Program Disclaimer: It is expressly noted that some personal health improvement programs are not appropriate for individuals who have certain medical or other health conditions. YOU ARE STRICTLY RESPONSIBLE FOR SEEKING MEDICAL ADVICE FROM A PHYSICIAN PRIOR TO PARTICIPATING IN ANY PERSONAL HEALTH IMPROVEMENT PROGRAM DISCUSSED, MENTIONED OR PROVIDED ON THE SILVER&FIT WEBSITE. You hereby agree and understand that you may not be aware of a medical condition from which you suffer, and therefore you should not participate in the personal health improvement programs discussed in SilverandFit.com prior to seeking the advice of a physician.
- General Information Disclaimer: The Silver&Fit Website does not make any warranty, express or implied, or assume any legal liability or responsibility for the completeness or usefulness, or the accuracy or quality of any information presented on the Silver&Fit Website. The information on the Silver&Fit Website is subject to change without notice and cannot be guaranteed to be current.
Enrolling in the Silver&Fit Program through the Silver&Fit Website.
As an eligible Silver&Fit program member, you have the option to enroll online through the Silver&Fit Website. You can enroll in the program by going to My Account, Enroll. If your Medicare Advantage plan or other health plan requires that you pay a fee at the time of enrollment in the Silver&Fit Home Fitness Program, you can make the payment through online enrollment. If you are required to pay a fee for enrollment in a fitness center, you can make the payment directly to the Silver&Fit program. If applicable, you are only required to pay a fee once per benefit year at the time of enrollment. When enrolling online, you can pay by credit card, debit card, PayPal, money order, or a cashier’s check. If you pay by credit card, debit card, or PayPal, your enrollment is effective immediately; you can take your fitness center welcome letter straight to the fitness center. If you select money order or cashier’s check, your enrollment will not be complete until the money order or cashier’s check is received. You will not receive any Silver&Fit program materials, including your Silver&Fit ID welcome letter, until payment is received. If you disenroll in the Silver&Fit program during the benefit year, your fee will not be reimbursed to you. For information regarding how we keep your payment information secure, please see the Privacy Statement posted on silverandfit.com.
Finding a Fitness Center.
The fitness centers listed on the Silver&Fit Website are independent contractors and are not employees or agents of ASH. ASH does not exercise any control or direction over the manner or method by which fitness facilities listed on the Silver&Fit Website provide services to you. The fitness center directory on the Silver&Fit Website is for informational purposes only and is not intended to be an endorsement or recommendation of any instructor, fitness club or exercise center.
Third-Party Products and Services.
You acknowledge and agree that ASH and the Silver&Fit Website make no representation or warranty, whether express or implied, with respect to: (i) the availability, price, make, material, craftsmanship, style, genuineness, quality, durability, performance, warranty, customer service, or ethical or environmental standard of any Third-Party Product/Service; or (ii) your level of satisfaction with any Third-Party Product/Service. You further acknowledge and agree that in no event shall ASH and the Silver&Fit Website be held responsible or liable for any injury (including death), loss or damage of any kind incurred by you or any other person as a result of: (i) your use of (or inability to use) a Third-Party Product/Service; (ii) any defect or error in a Third-Party Product/Service; (iii) the failure or refusal by an Applicable Third-Party Seller/Provider to accept a return, to make an exchange, to issue a refund or credit, or to honor a warranty with respect to a Third-Party Product/Service; or (iv) any billing error, overcharge, or any unauthorized or fraudulent charge, by an Applicable Third-Party Seller/Provider. You hereby release (to the maximum extent permitted by applicable law) ASH and its affiliates and subsidiaries and their respective officers, directors, agents, and employees from any and all losses, claims, liabilities and damages (including without limitation any direct, indirect, consequential, incidental, punitive, special or exemplary damages), whether known or unknown, suspected or unsuspected, disclosed or undisclosed, that arise from or relate to any issue or dissatisfaction you may have with a Third-Party Product/Service.
Any interactive tools, including but not limited to Silver&Fit Connected!, Challenges, Accountabilities, Online Classes (“Interactive Tools”), provided on the Silver&Fit Website are designed to provide general educational information only, and are not intended to provide medical advice of any kind. If you or your loved ones have a health condition or illness, or you require a medical opinion, you must consult with a licensed health professional in your area for proper examination, diagnosis, and treatment. The Interactive Tools are in no way intended as, nor are a substitute for, qualified, expert medical diagnosis, advice, counseling, or treatment. Information you submit to ASH when using the Interactive Tools is retained by ASH and will be used by ASH for operating the Interactive Tools including providing you with information that you have requested or that may be of interest to you, and for other purposes described in the Silver&Fit Website Privacy Statement or as otherwise authorized by you.
Silver&Fit Connected! Tool
To use the Connected! tool you must utilize a wearable fitness device, mobile application, or fitness equipment that is compatible with the Silver&Fit Website. Full use of the Connected! tool requires a compatible wearable fitness device/mobile application/fitness equipment, Internet access, and certain software, which may require periodic updates. The performance of the wearable fitness device and/or mobile application may be affected by these factors.
You must provide your own wearable fitness device/application that is compatible with the Silver&Fit Website to use the Silver&Fit Connected! tool. ASH will not purchase a device for you, nor will it reimburse you for the cost or replacement of a wearable fitness device. Your use of the Silver&Fit Connected! tool serves as your consent for ASH to receive information about your tracked activity and to use that data to process and administer available awards to you under the program. For information regarding ASH’s other uses of your personal information, please see the Privacy Statement
Challenges and Accountabilities
In the Challenges and Accountabilities sections of the Silver&Fit Website users may post information, including but not limited to the name of the Challenge, a description of the Challenge, photos, rewards for completing the Challenge, and motivational posts. Information posted to Challenges and Accountabilities can be viewed by the user who created the challenge, member(s) invited to the challenge, and Accountability partner(s) invited to support users. ASH does not endorse any information posted on the Challenges and Accountabilities pages and posts made by users do not necessarily reflect the views of ASH. Information on the Challenges and Accountabilities pages should not be taken as medical advice and ASH is not responsible for such information or for editing any factual errors or making any type of corrections to such information. Any action taken by you based on information presented on the Challenges and Accountabilities pages is at your own risk.
By using the Challenges and Accountabilities pages, you agree to adhere to the following guidelines:
- Be courteous of other members and respectful of the others' opinions.
- Do not post profile pictures that might be considered inappropriate.
- Do not post communications that could be interpreted as threatening or harassing.
- Do not post, advertise or promote products commercially.
ASH has the right to remove a post on the Challenges and Accountabilities pages if it does not meet these standards or for any other reason ASH deems appropriate. Also, you understand and acknowledge that because messages on the Silver&Fit Website can be accessed by others, if messages contain any personal information about yourself, including anything relating to your physical health or condition, that information will be viewable by others and could be further used or disclosed by others, and that such information, if otherwise protected by state or federal privacy laws, may no longer be protected by those laws once posted by you voluntarily. All member messages in connection with Challenges and Accountabilities are deemed voluntary and information contained in them will be displayed to other participants depending on the parameters selected.
If your Silver&Fit membership includes Rewards, you may keep track of your points online and have the opportunity to redeem them for a selection of hats and pins through the Silver&Fit Website.
Upon completion of the required tracked steps or tracked duration of activity you may earn Rewards points. As agreed between your health plan and ASH concerning the Silver&Fit program, you will be notified of your eligibility to redeem a reward via email. ASH will arrange for your reward to be issued to you within thirty (30) days of meeting the rewards points threshold. You must redeem your reward within thirty (30) days of the end of your benefit year. If your enrollment in the Silver&Fit program or the agreement between your health plan and ASH concerning the Silver&Fit program is terminated prior to the end of the benefit year, you will have thirty (30) days from the termination date to redeem your reward, depending on the terms stated in the agreement. If you do not redeem your reward within the specified time period, you will automatically receive a predetermined reward via mail depending on the terms stated in the agreement between your health plan and ASH concerning the Silver&Fit program.
Once you select a reward and that reward has shipped, you cannot change your reward selection. ASH will not substitute or swap out rewards that you have already chosen. ASH will not be responsible for lost or stolen rewards.
Limitation of Liability.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SILVER&FIT WEBSITE AND THE INFORMATION PROVIDED HEREIN IS ENTIRELY AT YOUR OWN RISK. ASH AND ITS AFFILIATES AND LICENSORS WILL NOT BE RESPONSIBLE TO YOU OR TO ANY THIRD PARTIES FOR ANY DIRECT OR INDIRECT, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR LOSSES YOU MAY INCUR IN CONNECTION WITH THE SILVER&FIT WEBSITE, YOUR USE OF THE SILVER&FIT WEBSITE, OR ANY INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED THROUGH OR RESIDING ON THE SILVER&FIT WEBSITE, REGARDLESS OF THE TYPE OF CLAIM OR THE NATURE OF THE CAUSE OF ACTION, EVEN IF ASH HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR LOSS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU HEREBY RELEASE AND FOREVER WAIVE ANY AND ALL CLAIMS YOU MAY HAVE AGAINST ASH, ITS AFFILIATES AND LICENSORS FROM LOSSES OR DAMAGES YOU SUSTAIN IN CONNECTION WITH YOUR USE OF THE SILVER&FIT WEBSITE.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT ANY AND ALL INFORMATION CONTAINED ON THE SILVER&FIT WEBSITE IS PROVIDED "AS IS," AND ASH AND ITS AFFILIATES AND LICENSORS MAKE NO WARRANTIES, EXPRESS OR IMPLIED.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ASH DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO SILVER&FIT WEBSITE AND SUCH INFORMATION, SERVICES, PRODUCTS, CONTENT AND OTHER MATERIALS, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND ANY IMPLIED WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. IN ADDITION, ASH DISCLAIMS ANY REPRESENTATION OR WARRANTY THAT ANY INFORMATION ACCESSIBLE VIA THE SILVER&FIT WEBSITE IS ACCURATE, COMPLETE OR CURRENT OR THAT ACCESS TO THE SILVER&FIT WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE. PRICE AND AVAILABILITY INFORMATION FOR ANY PRODUCT OR SERVICE PROVIDED THROUGH THE SILVER&FIT WEBSITE IS SUBJECT TO CHANGE WITHOUT NOTICE.
ASH DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT POSTED ON THE SILVER&FIT WEBSITE.
IF YOU ARE DISSATISFIED WITH THE SILVER&FIT WEBSITE AND THE SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY IS THE DISCONTINUANCE OF YOUR USE OF THE SILVER&FIT WEBSITE.
User Password and Information.
You may elect to change your password during the registration process. You may not disclose or share your password with any third parties or use your password for any unauthorized purpose. You are responsible for maintaining the confidentiality and security of any password(s) used to access the Silver&Fit Website. You are also responsible for all activity that occurs under your password and should immediately notify SilverandFit.com of any unauthorized use of your password. You must also ensure that you exit from your account at the end of each session. In addition, you must provide SilverandFit.com with accurate, true, current, and complete information about yourself, and you must promptly provide any updates necessary to keep such information accurate, true, current, and complete at all times. You may not impersonate another person or entity, and you may not use SilverandFit.com to harass or stalk another user. You agree that you will not use the Silver&Fit Website for chain letters, junk mail, "spamming" solicitations (commercial or otherwise) or bulk communication of any kind. We cannot and will not be liable for any loss or damages arising from or relating to your failure to comply with any of the obligations in this paragraph.
ASH has the right, at any time, to immediately terminate, deactivate or delete a password, user account, all related information and files and/or access to the Silver&Fit Website or any part of the Silver&Fit Website, without any notice or incurrence of liability. This termination may occur for any reason, including, but not limited to failure to abide by this User Agreement, or any applicable law regarding the use of the Silver&Fit Website and various products or services provided on the Silver&Fit Website.
Your correspondence or business dealings with, or participation in promotions of, advertisers or providers of products or services found on or through this or any other ASH Website, including payment and delivery of related goods or services, and any other terms, conditions, warranties, or representations associated with such dealings are solely between you and such advertiser or provider. You agree that ASH shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers or providers on the Silver&Fit Website.
Third-party Websites linked to the Silver&Fit Website are not under the control of ASH, and ASH is not responsible for the content of any linked Website or any link contained in a linked Website, or any changes or updates to such Websites. ASH provides these links to you only as a convenience, and the inclusion of any link does not imply a financial or business relationship, or endorsement by ASH of the Silver&Fit Website or its products or services. ASH is not responsible for any activities that you may engage in on any linked Website, including without limitation, purchase of products or services. Once you link to a third-party Web site, you will be subject to the Terms and Conditions of Use, Privacy Statement and/or Editorial Policy of that Website. Your linking to such Websites is at your own risk, and Silver&Fit is not responsible or liable, directly or indirectly, for any damages or loss caused or alleged to be caused by or in connection with your use of or reliance on any content, goods or services available on or through any such Website. In addition, you may not provide links to the Silver&Fit Website without the prior written permission of Silver&Fit.
Not Intended for Minors.
The Silver&Fit Website is not designed or intended for use by minors. Minors under the age of 18 years old are not permitted to use the Silver&Fit Website without the permission and oversight of a parent or guardian.
Information Privacy.Your privacy is important to us. To learn more about how ASH protects your personal health information and personally identifiable information collected on the Silver&Fit Website, please refer to the Privacy Statement
Except as expressly otherwise provided in this User Agreement or the Privacy Statement, any other communication(s) or material(s) you transmit to the Silver&Fit Website by electronic mail or other medium, including any questions, comments, or suggestions, is and will be treated as non-confidential and non-proprietary information and may be used by ASH, ASH’s vendors, or its affiliates or related entities for any purpose, including but not limited to, reproductions, disclosure, transmission, publication, broadcast, and postings. Furthermore, ASH, ASH’s vendors and its affiliates and related entities are free to use any information, ideas, concepts, inventions, or techniques contained in any communication you send to the Silver&Fit Website for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products or services. If you wish to keep any information, ideas, concepts, inventions or techniques private or proprietary, do not submit them to the Silver&Fit Website.
You represent and warrant that any content or material you submit to ASH: (1) will not infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights; (2) will not violate any law, statute, ordinance or regulation; (3) will not be obscene or contain child pornography; (4) will not contain any viruses, worms, time bombs or other computer programming code that is intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or information; (5) will not violate any third party's rights of publicity or privacy; and (6) will not be defamatory, unlawfully threatening or harassing, harmful to minors in any way, or otherwise offensive or inappropriate. You are responsible for complying with all laws applicable to your submitted content or material.
The Silver&Fit Website contains proprietary information, including, but not limited to, logos, service marks, trademarks, software, photos, videos, text, graphics, comments, feedback, ideas, templates, instructions, notes, drawings, articles and other materials, and the selection, assembly and arrangement of information on the Silver&Fit Website (collectively, "Content"). Unless otherwise noted, all Content is protected by copyrights, trademarks, service marks and other proprietary rights that are owned by ASH, ASH affiliates, or by third parties that have licensed their use to ASH. You may download material displayed on the Silver&Fit Website for noncommercial, personal use only, including showing the print-out to your personal physician or pharmacist, provided you also retain all copyright and other proprietary notices contained on the materials. You may not, however, use, reproduce, copy, distribute, modify, transmit, repost, display, publish, sell, license, create derivative works, assign or transfer any Content or information on the Silver&Fit Website for public or commercial purposes without ASH's prior written permission. Nothing on the Silver&Fit Website shall be construed as conferring any license or other rights under the intellectual property or other proprietary rights of ASH, its affiliates, or any third party, whether by estoppel, implication, or otherwise.
Silver&Fit and the Silver&Fit logo are federally registered trademarks of American Specialty Health Incorporated. You shall not display, disparage, dilute, or taint our marks or use any confusingly similar marks or use our marks in such a way that would misrepresent who the proper owner of such marks is. Any permitted use of our marks by you shall inure to our benefit. Content of the Silver&Fit Website is copyrighted Copyright © 2004 - 2015, American Specialty Health Incorporated or its licensors. All rights reserved.
You hereby agree to defend, indemnify, and hold harmless ASH and its affiliates, employees, officers, directors, agents, and licensors from and against any and all claims, liabilities, costs, and expenses, including reasonable attorneys' fees, related to your violation of this User Agreement or any activity by you on the Silver&Fit Website.
System Integrity.You may not use any device, software, or routine to interfere or attempt to interfere with the proper working of the Silver&Fit Website or any transaction conducted on the Silver&Fit Website. You may not take any action that imposes an unreasonable or disproportionately large load on our infrastructure.
ASH may assign this User Agreement or any of its rights or obligations under this User Agreement, to any third party without your prior consent. This User Agreement will inure to the benefit of ASH’s successors, assigns and licensees.
All notices required or permitted by this User Agreement shall be in writing and may be delivered in person or may be sent by registered or certified mail to the following address:
P.O. Box 509117
San Diego, CA 92150-9117
Governing Law and Severability.
This User Agreement shall be construed, governed by, and enforced solely and exclusively in accordance with the laws of the State of California, without giving effect to its conflict of laws and provisions of your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of this User Agreement to be unenforceable, the remainder of this User Agreement will continue in full force and effect. You hereby agree that the courts located in the State of California, USA, will constitute the sole and exclusive forum for the resolution of any and all disputes arising out of or in connection with this User Agreement and you hereby consent to the personal jurisdiction and venue of such courts and irrevocably waive any objections thereto.
Any waiver of any provision of this User Agreement will be effective only if in writing and signed by ASH. The failure of ASH to insist upon or enforce the strict performance of the terms of this User Agreement, or to exercise any right under this User Agreement, will not be considered as a waiver of the right to assert or rely upon any such provision or right in that or any other instance.
From time to time, we may update and modify this User Agreement and/or the Silver&Fit Website (or any part thereof) to accommodate new technology, industry practices, regulatory requirements, or for other purposes. We will provide you with notice if the changes are material and, where required by applicable law, we will obtain your consent. Unless expressly otherwise agreed, all material changes will apply prospectively only. If you have an account on the Silver&Fit Website, we may ask you to affirmatively agree to the changes (e.g., by checking a box or clicking a button) at the time of your next account login on the Silver&Fit Website.
Use Web Site At Own Risk.
THE SERVICES, PRODUCTS AND CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SILVER&FIT WEBSITE ARE DONE AT YOUR SOLE RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH PRODUCTS OR CONTENT. ASH IS NOT RESPONSIBLE FOR ANY TERMINATION OF YOUR CONNECTION TO THE SILVER&FIT WEBSITE, EVEN IF SUCH TERMINATION OF CONNECTION AFFECTS ANY PURCHASE OR OTHER ACTIVITY OF USER ON THE SILVER&FIT WEBSITE.