What are your Terms of Service? What is your Privacy Policy?

Terms of Service

Last Updated: March 2, 2006

These Terms of Service (“Terms”) govern your access to and use of the websites, applications, portals, and related online services operated by The Challenger Corporation, doing business as Challenger and Med-Challenger (collectively, “Challenger,” “we,” “us,” or “our”) (the “Platform”).

These Terms incorporate by reference our Privacy Policy and any applicable User or License Agreements governing specific services. Together, these documents form a binding agreement between you and Challenger.

By accessing or using the Platform, whether as an individual user or on behalf of an organization, you agree to be bound by these Terms. If you do not agree, you may not access or use the Platform.

Electronic Communications
By using the Platform, you consent to receive communications from Challenger electronically, including notices, disclosures, agreements, and other communications. You agree that electronic communications satisfy any legal requirement that such communications be in writing.

Non-Affiliation
Challenger is an independent educational provider and is not affiliated with, endorsed by, sponsored by, or associated with the National Board of Medical Examiners (NBME®), the Federation of State Medical Boards (FSMB), or any specialty certification boards, examination organizations, or medical licensing authorities.

1. Eligibility

The Platform is intended for use by medical students, residents, graduates, licensed clinicians, and affiliated educational institutions. You must be at least 18 years old to create an account.

If you enter into an agreement with Challenger on behalf of an institution or organization, you represent that you have authority to bind that entity to such agreement.

If your access is provided through an institution, residency program, employer, or other sponsoring organization, you acknowledge that your use of the Platform remains subject to these Terms, but you are not responsible for binding the Sponsoring Organization unless you are its authorized representative.

2. Accounts and Registration

Access to certain features of the Platform requires account registration.

You agree to:
• Provide accurate, current, and complete information
• Maintain the confidentiality of your login credentials
• Not share or transfer your account credentials to any other person
• Notify Challenger promptly of any unauthorized access or suspected security breach

Accounts are personal to the authorized user and may not be shared. You are responsible for all activity occurring under your account unless you have notified Challenger of unauthorized use.

Challenger reserves the right to suspend or terminate accounts that violate these Terms or are used beyond the scope of an applicable institutional license.

Challenger shall not be liable for any loss or damage arising from unauthorized use of your account resulting from your failure to safeguard your login credentials.

3. Institutional and Group Licenses

If your access to the Platform is provided through an educational institution, residency program, employer, or other organization (“Sponsoring Organization”), such access is subject to any applicable agreement between Challenger and the Sponsoring Organization.

Your individual use of the Platform remains subject to these Terms regardless of whether access is voluntary or required as part of a curriculum, training program, or employment.

Under an institutional or group license:
• Account usage may be monitored for administrative, educational, or reporting purposes
• Performance and utilization data (excluding payment information) may be shared with designated representatives of the Sponsoring Organization in accordance with our Privacy Policy
• Access rights are limited to authorized users and may not be shared, transferred, or sublicensed
• Access may be modified, suspended, or terminated if the Sponsoring Organization’s agreement with Challenger ends or is modified

Challenger reserves the right to suspend or terminate accounts used beyond the scope of the applicable institutional license.

4. Educational Purpose Only — No Medical Advice

The Platform provides educational materials for exam preparation, professional development, and knowledge assessment purposes only.

The Content is not medical advice, clinical guidance, diagnosis, or treatment recommendation, and does not establish any provider-patient relationship.

Users are solely responsible for the exercise of independent professional judgment in clinical practice. Challenger does not warrant that the Content is accurate, complete, current, or reflective of the most recent clinical standards or guidelines.

The Platform is not intended to substitute for professional medical training, clinical judgment, or consultation with qualified healthcare professionals.

5. Intellectual Property and License

All content, materials, software, question banks, explanations, answer choices, graphics, text, videos, analytics, and other materials made available through the Platform (“Content”) are owned by or licensed to Challenger and are protected by copyright, trademark, trade secret, and other applicable intellectual property laws.

The structure, selection, organization, and compilation of question bank materials constitute proprietary intellectual property and trade secrets of Challenger.

Subject to these Terms, Challenger grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and its Content solely for your personal educational use or authorized institutional educational use.

Except as expressly permitted, you may not:
• Copy, reproduce, distribute, publicly display, publicly perform, republish, transmit, or create derivative works from any Content
• Share, sell, sublicense, rent, lease, or otherwise make Content available to any third party
• Share login credentials or permit access by unauthorized users
• Download, scrape, extract, harvest, index, record, or systematically store Content
• Use automated tools, bots, scripts, AI systems, or similar technologies to access or extract Content
• Reconstruct, recreate, compile, or attempt to reproduce any portion of the question bank outside the Platform
• Use the Content to develop, train, validate, benchmark, or improve any competing product, service, or assessment tool
• Remove, alter, or obscure any copyright, trademark, confidentiality, or proprietary notices
• Circumvent or attempt to circumvent technical protection measures

Access to the Platform does not transfer ownership of any intellectual property rights. All rights not expressly granted are reserved by Challenger.

Challenger reserves all rights not expressly granted in these Terms.

Unauthorized use may result in suspension or termination of access and may subject the user and/or sponsoring organization to legal action.

Equitable Relief
You acknowledge that unauthorized use of the Platform or Content may cause irreparable harm for which monetary damages would be inadequate. Challenger shall be entitled to seek injunctive or equitable relief, in addition to any other remedies available at law, without the requirement of posting bond.

Trademarks
Challenger’s names, logos, trademarks, service marks, and related branding elements are the property of Challenger or its licensors. You may not use such marks without prior written permission. You may not use Challenger’s trademarks in any manner that suggests endorsement, affiliation, or sponsorship, nor may you frame, mirror, or otherwise incorporate any portion of the Platform into another website or service without express written consent.

6. Copyright Policy (DMCA)

Challenger respects the intellectual property rights of others and complies with the Digital Millennium Copyright Act (“DMCA”), 17 U.S.C. § 512.

If you believe that material available on the Platform infringes your copyright, you may submit a written notification to our designated Copyright Agent containing:
• Your physical or electronic signature
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material claimed to be infringing and its location on the Platform
• Your contact information
• A statement that you have a good faith belief the use is not authorized
• A statement under penalty of perjury that the information in the notice is accurate

Designated Copyright Agent:

Attn: Copyright Agent
Challenger Corporation
5100 Poplar Ave. Ste. 400
Memphis, TN 38137

If you believe your content was removed by mistake or misidentification, you may submit a counter-notification in accordance with the DMCA.

Challenger may remove or disable access to allegedly infringing material and may terminate repeat infringers in appropriate circumstances.

Knowingly misrepresenting that material is infringing may result in liability under 17 U.S.C. § 512(f).

7. User Content

If the Platform permits users to post, upload, submit, or transmit content (“User Content”), you retain ownership of your User Content.

By submitting User Content, you grant Challenger a worldwide, non-exclusive, royalty-free, transferable, and sublicensable license to use, reproduce, modify, distribute, display, and perform such User Content for purposes of operating, improving, promoting, and providing the Platform.

You acknowledge that no compensation is owed for Challenger’s use of User Content as permitted under these Terms.

You represent and warrant that:
• You own or have the necessary rights to submit the User Content
• Your User Content does not infringe or violate any third-party rights
• Your User Content complies with these Terms and applicable laws

Challenger does not endorse, control, or assume responsibility for User Content submitted by users.

Challenger reserves the right, but not the obligation, to review, remove, restrict, or disable access to User Content at its sole discretion and without notice.

Challenger has no obligation to monitor User Content and does not guarantee the accuracy, completeness, legality, or reliability of any User Content.

To the fullest extent permitted by law, Challenger shall not be liable for any loss or damage arising from or related to User Content, including any reliance placed on such content by any user.

Challenger does not guarantee confidentiality of User Content and may retain server copies of User Content as required for operational, legal, or compliance purposes.

Challenger respects intellectual property rights and may remove or disable access to User Content upon receipt of a valid claim of infringement in accordance with applicable law.

For clarity, if you create custom exams, assessments, or compilations using Challenger Content, the underlying questions, answer choices, explanations, and all associated materials remain the exclusive property of Challenger.

The selection, arrangement, and compilation of Challenger Content within any custom exam created through the Platform does not grant you any ownership rights in such materials. Any such compilations are licensed solely for use within the Platform in accordance with these Terms.

You may not export, reproduce, distribute, or reuse any custom exams outside the Platform except as expressly permitted in writing by Challenger.

If you provide suggestions, ideas, comments, or feedback regarding the Platform or Content, you grant Challenger a perpetual, irrevocable, worldwide, royalty-free right to use, implement, modify, and incorporate such feedback without restriction or compensation.

8. Acceptable Use

You agree that you will not, directly or indirectly:
• Use the Platform for any unlawful, fraudulent, or unauthorized purpose
• Attempt to gain unauthorized access to any portion of the Platform, other accounts, or related systems or networks
• Interfere with, disrupt, damage, or overburden the integrity, security, or performance of the Platform
• Circumvent, disable, or otherwise interfere with technical or security-related features of the Platform
• Share access credentials or permit access by unauthorized users
• Upload, transmit, or distribute viruses, malware, or other harmful code
• Use the Platform to develop, train, benchmark, or improve a competing product or service
• Misrepresent your identity or affiliation
• Engage in conduct that restricts or inhibits any other user’s use or enjoyment of the Platform
• Use any automated system, bot, scraper, or similar technology to access, extract, or collect data from the Platform

Challenger reserves the right to investigate suspected violations and to suspend or terminate access, remove content, and pursue any available legal remedies.

9. Payments and Subscriptions

Certain features of the Platform require payment. By purchasing or subscribing to paid services, you agree to the pricing, billing frequency, and subscription terms presented at the time of purchase.

You authorize Challenger and its third-party payment processors to charge the payment method you provide for applicable fees, taxes, and any recurring subscription charges.

Unless otherwise stated at the time of purchase:
• Subscriptions automatically renew at the end of each billing period
• Renewal charges will be billed to the payment method on file
• You are responsible for maintaining accurate and current billing information
• Failure to provide valid payment information may result in suspension or termination of access

Fees are non-refundable except as expressly stated in Challenger’s posted refund policy or in a separate written agreement with a Sponsoring Organization.

Challenger reserves the right to modify pricing upon reasonable notice. Price changes will apply at the next billing cycle unless otherwise required by law.

You are responsible for any applicable taxes, duties, or similar governmental assessments associated with your purchase.

For institutional or group licenses, billing terms are governed by the applicable agreement between Challenger and the Sponsoring Organization.

Payment information is processed through secure third-party providers. Challenger does not store full payment card numbers on its servers.

10. U.S. Compliance and Geographic Scope

Challenger operates in the United States and the Platform is designed to comply with applicable United States federal and state laws and standards.

The Platform is intended primarily for use by individuals and institutions located in the United States. Challenger does not represent or warrant that the Platform complies with the legal or regulatory requirements of jurisdictions outside the United States.

If you access the Platform from outside the United States, you do so at your own initiative and are responsible for compliance with applicable local laws.

You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to U.S. embargo, and that you are not listed on any U.S. government list of prohibited or restricted parties.

You agree not to export, re-export, transfer, or make available any portion of the Platform or Content in violation of applicable U.S. export control or economic sanctions laws.

11. Disclaimer of Warranties

The Platform and all Content are provided on an “as is” and “as available” basis.

To the fullest extent permitted by law, Challenger disclaims all warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, or availability.

Challenger does not warrant that:
• The Platform will operate uninterrupted, secure, or error-free
• Any defects or errors will be corrected
• The Content is accurate, complete, current, or free from omissions
• Use of the Platform will result in exam success, certification, professional advancement, or any specific outcome

The Platform provides educational content only and does not guarantee clinical accuracy or applicability to any specific patient scenario.

Challenger does not warrant that the Platform will operate with all hardware, software, systems, or internet connections, and you are responsible for ensuring that your device and internet access meet any published system requirements.

Your use of the Platform and reliance on any Content is at your own risk.

Challenger does not warrant that the Platform or any downloadable materials will be free from viruses, malware, or other harmful components, and you are responsible for implementing appropriate security safeguards and backup procedures.

12. Limitation of Liability

To the fullest extent permitted by law, in no event shall Challenger or its affiliates, licensors, service providers, officers, directors, employees, or agents be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, or other intangible losses, arising out of or related to your access to or use of the Platform, even if advised of the possibility of such damages.

To the fullest extent permitted by law, Challenger shall also not be liable for any direct damages exceeding the liability cap set forth below.

To the fullest extent permitted by law, Challenger’s total cumulative liability arising out of or relating to these Terms or the use of the Platform shall not exceed the greater of (a) the total amount paid by you to Challenger in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred dollars ($100), if no fees were paid.

The foregoing limitations apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise.

Nothing in these Terms excludes or limits liability to the extent such liability cannot be excluded or limited under applicable law.

13. Indemnification

You agree to defend, indemnify, and hold harmless Challenger and its affiliates, licensors, service providers, officers, directors, employees, and agents from and against any and all claims, demands, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:
• Your violation of these Terms
• Your misuse of the Platform
• Your User Content
• Your violation of any applicable law or third-party rights
• Any use of the Platform through your account
• Your breach of any representation or warranty made under these Terms

This indemnification obligation applies regardless of whether the claim arises in contract, tort (including negligence), strict liability, or otherwise.

Challenger reserves the right to assume the exclusive defense and control of any matter subject to indemnification, and you agree to cooperate in the defense of such claims.

14. Termination

Challenger may suspend or terminate your access to the Platform, in whole or in part, at its sole discretion, including for violation of these Terms, nonpayment, suspected fraudulent or unlawful activity, or conduct that may harm the Platform or other users.

Challenger may also suspend access immediately where necessary to protect the security, integrity, or availability of the Platform.

Upon termination:
• Your license to access and use the Platform immediately ends
• You must cease all use of the Platform and Content
• No refunds will be provided except as expressly stated in a separate written agreement or posted refund policy

Termination does not limit Challenger’s rights or remedies at law or in equity.

The provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Intellectual Property, Disclaimers, Limitation of Liability, and Indemnification.

15. Force Majeure

Challenger shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, governmental actions, labor disputes, internet service disruptions, cyberattacks, or failures of third-party service providers.

16. External Links and Linking

The Platform may contain links to third-party websites or services that are not owned or controlled by Challenger. Challenger is not responsible for the content, policies, or practices of any third-party sites and does not endorse or assume any responsibility for them. Access to such sites is at your own risk.

You may link to Challenger’s publicly accessible homepage in a fair and lawful manner that does not suggest sponsorship, endorsement, or affiliation without our prior written consent. You may not frame, mirror, deep link to, or otherwise incorporate any portion of the Platform into another website or service without express written permission.

17. Assignment and Transfer; Personal Use

The Platform is licensed, not sold, and is provided for your personal or authorized institutional educational use only. You may not assign, transfer, sublicense, resell, lease, or otherwise distribute your access rights or any portion of the Platform without Challenger’s prior written consent.

Accounts may not be shared. Challenger reserves the right to suspend or terminate accounts that are used by multiple individuals outside the scope of an applicable license.

Challenger may assign or transfer these Terms, in whole or in part, without restriction. Any attempted assignment by you in violation of this section shall be void.

18. No Partnership or Agency

Nothing in these Terms shall be construed to create any partnership, joint venture, employment, or agency relationship between you and Challenger.

19. Entire Agreement

These Terms, together with the Privacy Policy and any applicable User or License Agreements, constitute the entire agreement between you and Challenger regarding the Platform and supersede all prior or contemporaneous communications, whether electronic, oral, or written.

A printed version of these Terms and any notice given in electronic form shall be admissible in judicial or administrative proceedings to the same extent as other business documents originally generated and maintained in printed form.

20. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect.

No waiver by Challenger of any term or condition set forth in these Terms shall be deemed a continuing waiver of such term or condition or a waiver of any other term, and any failure of Challenger to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

Section headings are for convenience only and do not affect the interpretation of these Terms.

21. Governing Law; Venue; Government Use

These Terms shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to conflict-of-law principles.

Any dispute arising out of or relating to these Terms or the Platform shall be brought exclusively in the state or federal courts located in Shelby County, Tennessee, and you consent to the personal jurisdiction of such courts.

Arbitration
At Challenger’s election, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform may be resolved by binding arbitration administered by a recognized arbitration provider under its applicable rules. The arbitration shall take place in Shelby County, Tennessee, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

Class Action Waiver
To the fullest extent permitted by law, you agree that any dispute arising out of or relating to these Terms or the Platform shall be brought solely in your individual capacity and not as part of any class, consolidated, collective, or representative action.

The prevailing party in any action to enforce these Terms shall be entitled to recover its reasonable attorneys’ fees and costs.

Any claim arising out of or relating to these Terms or the Platform must be brought within one (1) year after the cause of action arises, or such claim is permanently barred.

You are responsible for any applicable sales, use, or similar taxes associated with your use of the Platform.

U.S. Government Rights
The Platform and associated documentation are provided as “commercial computer software” and “commercial computer software documentation” as defined in the Federal Acquisition Regulation (“FAR”) and the Defense Federal Acquisition Regulation Supplement (“DFARS”), as applicable.

Use, duplication, or disclosure by the U.S. Government is subject to the restrictions set forth in FAR 12.212 and DFARS 227.7202-3, or their successor provisions.

22. Changes to Terms

Challenger may modify or update these Terms from time to time in its discretion. When changes are made, the “Last Updated” date will be revised accordingly.

Material changes will be effective upon posting to the Platform or upon other reasonable notice to users, as determined by Challenger.

Your continued access to or use of the Platform after the effective date of updated Terms constitutes acceptance of the revised Terms. If you do not agree to the updated Terms, you must discontinue use of the Platform.

Privacy Policy

This Privacy Policy describes how Challenger collects, uses, shares, and protects information obtained through the Platform.

By accessing or using the Platform, you acknowledge that your information will be handled in accordance with this Privacy Policy.

Changes to This Privacy Policy

Challenger may update this Privacy Policy from time to time. When changes are made, the “Last Updated” date will be revised accordingly. Continued use of the Platform after such updates constitutes acceptance of the revised Privacy Policy.

1. Information We Collect

We collect information in the following categories:

Account Information
Information you provide when creating or using an account, including your name, email address, professional or educational affiliation, and related profile information. In some cases, account information may be provided to us by a sponsoring institution, residency program, employer, or other organization that has arranged access to the Platform on your behalf.

Payment Information
Payment details necessary to process transactions. Payment information is processed through secure third-party payment processors and is not stored by Challenger except as necessary for transaction records.

Technical and Device Information
Information automatically collected when you access the Platform, including IP address, browser type, device identifiers, operating system, access times, and referring URLs.

Usage and Performance Data
Information regarding your interaction with the Platform, including engagement metrics, assessment activity, progress data, and performance results. Where access is provided through an institution, certain utilization and performance data may be shared with designated administrators as described in these Terms.

Data Location
Information is stored and processed in the United States. By using the Platform, you acknowledge that your information may be transferred to and processed in the United States.

We collect information directly from you, automatically through your use of the Platform, and, where applicable, from sponsoring institutions that provide access.

We may use cookies and similar technologies to enable functionality, improve user experience, analyze usage, and maintain security.

2. How We Use Information

We use collected information for the following business and operational purposes:
• To provide, operate, maintain, and improve the Platform
• To process transactions and manage subscriptions
• To communicate with users regarding accounts, updates, support, and service-related notices
• To administer institutional and group licenses, including providing utilization and performance reporting to authorized institutional administrators
• To issue, track, and report continuing medical education (CME) credits or certificates and to share necessary information with accrediting organizations, certification bodies, or licensing authorities as required for credit verification
• To review feedback, evaluations, and user comments and share such feedback internally with content authors, educators, or contributors for quality improvement purposes
• To use testimonials, comments, or feedback for promotional or marketing purposes, provided that any such use of personally identifiable information will occur only with appropriate consent
• To use aggregated or de-identified performance data, engagement metrics, and evaluation results for research, analytics, benchmarking, product development, and promotional purposes
• To maintain security, prevent fraud, and protect the integrity of the Platform
• To comply with applicable legal obligations and enforce our Terms

We do not sell personal information.

3. Information Sharing

We may share information in the following circumstances:

• Service Providers: With third-party vendors and service providers who support Platform operations, including hosting, payment processing, analytics, customer support, security, and communication services. Such providers are authorized to use information only as necessary to provide services to Challenger.
• Content Contributors and Contractors: With authors, editors, educators, or other contractors who contribute to Platform content or quality improvement, solely for purposes of reviewing feedback, improving educational materials, or enhancing Platform functionality, and subject to appropriate confidentiality obligations.
• Institutional Administrators: Where access is provided through a sponsoring institution, residency program, employer, or other organization, we may share utilization, progress, and performance information with designated administrators in accordance with applicable license agreements.
• Accreditation and CME Reporting: Where applicable, we may share necessary information with accrediting bodies, certification organizations, or licensing authorities for purposes of verifying or issuing continuing medical education (CME) credits or certifications.
• Legal Requirements: When required to comply with applicable law, regulation, legal process, or governmental request, or to protect the rights, safety, or property of Challenger, users, or others.
• Business Transfers: In connection with a merger, acquisition, financing, reorganization, sale of assets, or similar corporate transactions.

Payment information is processed by secure third-party payment processors and is not sold or shared for independent marketing purposes.

We do not sell personal information.

Public Forums
If the Platform permits public posting or discussion features, information you choose to make publicly available may be visible to others. Challenger is not responsible for how other users use publicly shared information.

4. Data Security

Challenger implements reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

These safeguards include measures such as secure hosting environments, access controls, encryption where appropriate, and restricted personnel access based on operational necessity.

Despite these safeguards, no method of transmission over the internet or method of electronic storage is completely secure. Challenger does not guarantee absolute security.

You are responsible for maintaining the confidentiality of your account credentials and for notifying Challenger promptly of any suspected unauthorized access to your account.

5. Data Retention

We retain personal information for as long as reasonably necessary to provide the Platform, administer institutional and group licenses, fulfill continuing medical education (CME) and certification reporting obligations, comply with legal and contractual requirements, resolve disputes, and enforce our agreements.

Because the Platform supports educational recordkeeping and compliance verification, account information, assessment history, and performance data may be retained for extended periods consistent with legitimate business and regulatory needs.

Challenger does not currently offer routine deletion of individual account records, except where required by applicable law. Accounts may be deactivated upon request where appropriate, but underlying records may be retained for operational, contractual, audit, accreditation, security, or legal purposes.

We may retain and use aggregated or de-identified information for analytics, research, benchmarking, product improvement, and promotional purposes without limitation.

6. Your Choices

You may review and update certain account information by logging into your account and accessing your profile settings.

You may opt out of receiving promotional or marketing communications from Challenger by following the unsubscribe instructions in those communications or by contacting us directly. Please note that you may continue to receive transactional or service-related communications necessary for account administration, security, institutional reporting, or CME processing.

At this time, Challenger does not provide a general right to request deletion of account records, consistent with the Data Retention practices described above.

Third-Party Websites
The Platform may contain links to third-party websites or services. Challenger is not responsible for the privacy practices or content of third-party sites. We encourage users to review the privacy policies of any external sites they visit.

7. Children

The Platform is intended for use by medical students, residents, graduates, licensed clinicians, and affiliated educational institutions. It is not directed to or intended for individuals under the age of 18.

Challenger does not knowingly collect personal information from individuals under 18 years of age. If we become aware that personal information has been collected from an individual under 18 without appropriate authorization, we will take reasonable steps to deactivate the account and address the information in accordance with applicable law.

If you believe that we may have collected information from an individual under 18, please contact us using the information provided in this Privacy Policy.

8. Contact Information

If you have questions about these Terms or our Privacy Policy, you may contact us at:

Challenger Corporation
5100 Poplar Ave., Ste. 400
Memphis, TN 38137
Phone: 800-676-0822
Online: Support Request
8 AM to 5 PM CST Monday through Friday