Website Terms of Use

Welcome to, the secure online service for consumers to securely process a disclosure request for their annual medical report files from specific nationwide specialty consumer reporting agencies.  To contact us, please use the contact form.

Consent to Privacy Policy and Website Terms of Use

I acknowledge and agree that I have received and am able to read the (i) Privacy Policy, and (ii) Website Terms of Use (linked documents). I agree to be bound by the terms and conditions of both of these documents.

Nature of Website Access (the “Site, Website, or Service”, “AR”) is an internet web site. You are invited to visit the Site. You expressly acknowledge and agree that any use of the Site will be in accordance with these Terms of Use. You must be eighteen years or older to use the Site. The content of the Site is offered for general information, discussion, and entertainment purposes only. The site is non-partisan. Do not use the Site if you do not agree to be bound by these Terms of Use. The Site reserves the right to modify these Terms of Use at any time and will publish notifications of material modifications at its sole discretion. By continuing to access the Site after notice of such modifications have been published, you signify your agreement to be bound by them.


You are responsible for your own postings and agree to access and use the Site at your own risk on an as-is basis. Your postings should be truthful and accurate. Do not make postings that involve the following:

  • Securities for sale, barter, or exchange
  • Harassment, defamation, threats, stalking, bullying, or violations of the legal rights of others
  • Illegal activities
  • Impersonation of any person or entity, or falsely states or misrepresents your affiliation with a person or entity
  • Infringement of another’s intellectual property, including, but not limited to, trade secrets, trademarks and copyrights of any type
  • Obscene, vulgar, bigoted, hateful, or racially offensive language or images
  • Commercial advertising
  • Gambling, contests, chain letters, “pyramid schemes,” or “multi-level marketing” schemes
  • Violations of any applicable local, state, national, or international law in connection with your use of the Site. This includes securities laws and regulations.

Furthermore, you agree that, if a third party claims that any material you have contributed to the Site is unlawful, you will bear the full burden of establishing that the material complies with all applicable laws.

All Rights Reserved

The Site reserves the right to disclose information as necessary to satisfy any applicable law, regulation, legal process, or governmental request. The Site may also edit, refuse to post, or remove any posting at the Site’s sole discretion. The Site reserves the right to restrict access by any users whom the Site believes, in its sole discretion, are engaged in inappropriate, unprofessional, or unlawful conduct. The Site reserves the right to remove content which, in its sole discretion, violates any of the rules set forth herein of which it becomes aware, but is under no obligation to do so. If you are offended by any content of the Site, refrain from using the Site.


The Site includes unmoderated photographs and information containing the personal opinions and other expressions of the persons who post entries on a wide range of topics. The content is the opinion of the specific author and are not statements of advice, opinion, or information of the Site or any or any Site-affiliated person or entity. Neither the content of the Site, nor the links to other websites contained therein, are routinely moderated, screened, approved, reviewed, or endorsed by the Site or any Site-affiliated person or entity.

The Site and any information, products or services therein are provided “as is” without warranty of any kind, either express or implied, including without limitation, the implied warranties of merchantability, fitness for use of a particular purpose, or noninfringement. The Site does not warrant that the Site will operate in an uninterrupted or error-free manner or that the Site is free of viruses or other harmful components. Use of information obtained from or through the Site is at your own risk. The site is not liable for any loss or damages including, but not limited to, claims for defamation, errors, loss of data, or interruption in availability of data arising out of the use or inability to use the Site or any links; to your placement of content on the Site; or to your reliance upon information obtained from or through the Site or through links contained on the Site.


In consideration for your agreement to these Terms of Use, the Site grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Site. By posting to or otherwise engaging in any communication within the Site, you are granting the Site (or any of its assignees) a perpetual, royalty-free, and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such information. You may access the material on the Site only for your own personal, non-commercial use. The burden of determining that use of any information obtained from the Site is permissible rests with you.

Mobile Services

The Site includes certain services that are available via your mobile phone, including (i) the ability to upload content to the Site via your mobile phone, (ii) the ability to browse the Site from your mobile phone, and (iii) the ability to access certain Site features on your mobile phone (collectively the “Mobile Services”). We do not charge for these Mobile Services. However, your carrier’s normal messaging, data and other rates and fees will still apply. The Site is not liable for any additional charges you incur by using the Mobile Services. You should check with your carrier to find out what plans are available and how much they cost. In addition, using or accessing certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. You should check with your carrier to find out if the Mobile Services are available for your mobile devices, and what restrictions, if any, may be applicable to your use of such Mobile Services. By using the Mobile Services, you agree that certain information about your usage of the Mobile Services may be communicated to us.

Choice of Law and Forum

I acknowledge and agree that any dispute arising out of or relating to these Terms of Use or any content posted to the Site, including copies and republication thereof, whether based in contract, tort, statutory, or other law, will be governed by the laws of the State of New Jersey, excluding its conflicts of law provisions. I acknowledge and consent to the personal jurisdiction of and exclusive venue in the federal and state courts located therein as the legal forum for any such dispute. I acknowledge and agree that neither I, nor any of my minor children or authorized person(s) under my legal guardianship, or any third-party agent, heir , or assign) shall be entitled to join or consolidate my claims by or with any other consumer(s) or litigate any claim as a representative of or member of a class or in a private attorney general capacity.


If you have any questions regarding this Policy, please contact us at [email protected] You may also reach us by postal mail at “Annual Reports, LLC. 1201 Hudson Street, Suite 216, Hoboken, NJ, 07030” or telephone during normal business hours at (646) 450 – 4633. Please note that email communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your email correspondence with us.


You acknowledge and agree that Annual Medical Report, AR’s name, the AR Logo, Page Headers and other terms, phrases, graphics, logos, and icons are common law or registered trademarks, service marks, and/or trade dress of AR (collectively “Marks”). You agree you will not use any such Content or Marks for any purpose without the appropriate prior written authorization. AR Marks may not be used in connection with any product or service that is not AR’s, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits AR. All other trademarks, product names, or logos not owned by AR that appear on this Product Website are the property of their respective owners.


All Content included on this Product Website, such as text, graphics, logos, button items, icons, images, data compilation, is the property of AR or its suppliers and is protected by United States and international copyrights laws. All software used on this site is the property of AR or its software suppliers or respective owners and is protected by United States and international copyright laws. Reproduction of such content, in whole or in part, is prohibited without prior consent.


Certain aspects of this website as well as features and services accessible from this website may be covered by one or more current or pending patents.


Unauthorized use of the Site in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.




I acknowledge and agree that the products and services I have requested are for my information only, and are not a substitute for professional advice. I acknowledge that AR’s products and services do not constitute legal, financial, or professional advice in any capacity, nor do AR’s products and services represent an offer to provide any legal, financial, or professional services. I will not rely on AR products or services as the a (or the only) factor or source of information in making any legal, medical, insurance, financial, credit or investment decision, or relating to possible identity theft or fraud.


AR’s services are effective immediately upon payment by credit card. Please review your order carefully before submitting payment information and confirming your purchase. ALL SALES ARE FINAL.


I acknowledge and agree to indemnify and hold the Site and any Site-affiliated person or entity harmless from any claims, losses or damages, including legal fees, resulting from my violation of these Terms of Use, my use of the Site or my placement of any content onto the Site, and to fully cooperate in the Site’s or any Site-affiliated person’s or entity’s defense against any such claims. I acknowledge and agree that AR’s total liability to me (and any of my minor children, or authorized person(s) under my legal guardianship, and third-party agent(s) authorized to act on my behalf, and heir, and assigns) for any or all of my losses or injuries (any of my minor children, or authorized person(s) under my legal guardianship, and third-party agent(s) authorized to act on my behalf, and heir, and assigns) from AR’s acts or omissions, regardless of the nature of the legal or equitable claim, shall not exceed the amount paid by me to AR for the product(s) or service(s) I purchase from AR.


These Terms and Conditions, the Privacy Policy, and other policies AR may post constitute the entire Agreement between AR and you in connection with your use of the Product Websites (if applicable), the Products and Services, and the Content, and supersede any prior versions of the Terms and Conditions, if applicable. AR may update these Terms and Conditions from time to time by posting revised Terms and Conditions on the Product Websites, or by e-mailing an updated copy to the most recent e-mail address you have provided to AR, without notice to you, and your subsequent use of the Products and Services, Product Web Sites, and/or Content is governed by those new Terms and Conditions. The Terms and Conditions are effective until terminated by AR. In the event of termination, the Intellectual Property, Disclaimers, and Limitations of Liability provisions set forth in these Terms and Conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in the Product Websites or otherwise, these Terms and Conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.

Version 1.0
Revised, January 1, 2010.