Effective January 1, 2023


General Information

YouDecide.com, Inc. (“YouDecide,” “We,” “Us”) provides this online commerce platform (“platform”) subject to the following Terms of Use. The YouDecide platform provides you with access to an online collection of consumer services and products provided by various merchants (“providers”). Unless stated otherwise, any new services and content added to the platform will be covered by this Terms of Use Agreement.
Your use of the platform is subject to the following terms and conditions. These terms are applicable even if you never purchase any products or services offered by providers on the platform and only “browse.” Please read these terms carefully. If you do not agree with these terms or conditions, do not access our platform. Your use of the YouDecide platform constitutes your agreement to abide by each of the terms and conditions described below. You may terminate your platform participation at any time.

Age Restrictions


"As Is" Website

Although YouDecide has exercised care in collecting, preparing, and providing the material, we make no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this platform. Users relying on information from this platform do so at their own risk.

No Advice

Information contained on YouDecide's platform is not intended to constitute advice. You should consult your insurance, financial, and/or legal advisors regarding specific issues. All products and services offered on the platform are subject to the terms, conditions, and exclusions of the applicable individual service or product purchased.

No Warranties on Platform-supplied Tools

YouDecide may provide you with planning and educational tools, including online calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report. YouDecide makes no warranty regarding the accuracy of such calculators available for use on its platform.

No Warranties

Your use of the YouDecide platform, services, and content, is at your sole risk. All services, content, and software are provided on an “as is” or “as available” basis. YouDecide disclaims all warranties and conditions of any kind whether express or implied, including but not limited to, the implied warranties of merchantability and fitness for a particular purpose. YouDecide makes no warranty that (i) the services, content, and software are accurate, timely, uninterrupted, or error-free; (ii) the results that may be obtained from the use of the services, content, or software will be reliable; (iii) the quality of any products accessed, obtained, or purchased through the use of the platform, services, content, or software will meet your expectations; and (iv) any errors in the software will be corrected.

External Links

Links from or to websites outside of the platform are meant for convenience only. YouDecide does not review, endorse, approve, or control any sites linked from or to YouDecide. YouDecide is not responsible for the content of those external sites, their products and services, or their data management and privacy policies. YouDecide will not be responsible or liable for any damages in connection with links to other sites, or any downloads or consequences of such links.

Copyrighted Materials & Trademarks

Text, pictures, graphics, logos, button items, images, works of authorship, and other information, and all revisions, modifications, and enhancements (“content”) are subject to this Terms of Use Agreement. All content on this platform – including its compilation (i.e., the collection, arrangement, and assembly) – is the copyrighted work of YouDecide or third-party content suppliers and is protected by U.S. and international copyright laws.

If you download anything from our platform, you must keep all copyright and other notices (e.g., trademark, patent, etc.) and markings intact. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or other content obtained from YouDecide's platform without prior written authorization from YouDecide or the third-party supplier (if applicable).

You acknowledge that the YouDecide logo, all page headers, custom graphics, and button icons are service marks, trademarks, and/or proprietary materials of YouDecide, and that all other trademarks, product names, company names, or logos on the platform are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from the platform without prior written authorization from YouDecide or the respective owner.

All software used in connection with the YouDecide platform (“Software”) is the property of YouDecide or its suppliers and is protected by U.S. patent and copyright laws and international treaties. Any use of the software other than as required to navigate and use this platform is prohibited. You agree not to copy, distribute, publicly display, modify, decompile, disassemble, reverse-engineer, or otherwise attempt to discover the source code of the software. Further, you agree not to access our platform services or content by any means other than the interface provided by YouDecide.

Limitation of Liability

YouDecide will not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including, but not limited to, damages or loss of products, use, data, or other intangible losses, even if YouDecide has been advised of the possibilities of those damages, resulting from your use or inability to use the platform, services, content, or software; the cost of obtaining substitute products and services resulting from any loss of data; information, products or services obtained from purchases or transactions entered into via the platform; or statement or conduct of any third party, or any other matter relating to the service or content.

Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Therefore, some of the limitations above may not apply to you.

Governing Law

This Terms of Use Agreement is governed by the laws of the state of Georgia, USA, and is meant to conform to United States federal laws and Georgia state laws. Any action to enforce the Terms of Use shall be brought in the state and federal courts located in Atlanta, Georgia, USA.

Dispute Resolution

Please address any dispute, claim, question, or disagreement you may have regarding the Terms of Use to legal@youdecide.com. Most concerns can be quickly resolved in this manner, using good faith negotiations. Any issue which is not resolved in this manner shall be subject to confidential binding arbitration. Remedies that are available to the parties under applicable laws, including the recovery of attorney's fees, remain available under arbitration. Each party has the right to obtain counsel of their own choosing and at their own expense.

Class Action Waiver

By agreeing to arbitration, you waive your rights to other resolution processes, including a trial by jury. and you expressly waive your right to file a class action or seek relief on a class basis. You have the right to opt-out and not be bound by the arbitration and class action waiver provisions of this agreement by sending written notice via certified mail to Legal Counsel, YouDecide, Inc., 4450 River Green Parkway – Suite 100A, Duluth, GA 30096. The notice must be sent within thirty (30) days of your first use of the platform after the effective date of this notice; otherwise, you shall be bound to arbitrate disputes in accordance with the terms described here.

International Use

Although it may be possible to reach the YouDecide platform from outside of the United States, all data is processed and stored within the confines of the USA. If you access the YouDecide platform from outside the USA, be aware that the country in which you are located may have different data protection laws. If you are in the EU or UK, YouDecide relies on the safeguards set forth in Articles 46 and 49 of the GDPR to transfer your data across international borders. YouDecide does not target or market to audiences in the EU or UK.


If any provision of this agreement 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.

Your Information

How We Use Your Information

We collect, store, and share your information only within the context of providing the services for which your employer or member group has engaged us to provide. YouDecide does not sell your information. We do not disclose any personal information to non-platform providers. We use your personal information only to:

Your Privacy Rights

For more information about the use of your personal information and your privacy rights, please refer to our Privacy Policy.

How We Use Cookies

We use cookies to enable our platform functionality, implement some features (such as chat), and to track usage statistics. For more detailed information, refer to our Privacy Policy. If you set your browser to block all cookies, the platform will not work as intended. Our cookies do not and cannot infiltrate your hard drive to gather your confidential information. Our cookies are not spyware. YouDecide does not sell your data and none of the cookies pass personally identifiable information to any external third party. We do not have any third-party advertising cookies or social media cookies on our site. We do not do any behavioral profiling or targeted advertising. Optional cookies, such as those that track platform usage or that allow the chat functionality, can be activated or deactivated at your discretion at any time. For the best platform experience, YouDecide recommends accepting all cookies. For more information and to configure your cookie preferences, please click on the “Manage Cookies” link on the platform, or consult our Privacy Policy.

Information Security

YouDecide uses state-of-the-art tools and methods to protect the security of your information. This includes using encryption to protect your information when it is collected, stored, transmitted, displayed, or printed. While no security mechanism can be 100% guaranteed, we provide a secure online platform utilizing SSL and HTTPS protocols that encrypts your data over the Internet. We have audits performed by independent parties to verify our safeguards are working appropriately. All transmissions containing personal information – such as to/from your employer/group and our providers – are encrypted. Within YouDecide's network, firewalls and authentication rules limit access to your personal information to only authorized YouDecide workers. Our staff is trained on privacy and security safeguards and understands the consequences if these are violated.

Third-party Data Services

YouDecide enlists the services of third-party businesses to assist us in providing the platform. Among these are cloud hosting, data analytics, marketing services, VoIP services, and data security consultants. YouDecide's business practice generally requires having signed agreements with third parties that require confidentiality and security of the data they handle, use of physical, technical, and administrative safeguards, and alerting YouDecide of any security incidents or data breaches.

You and Your Platform Interactions

Your Use of the Services

You agree to:

Prohibited Activities

You agree not to use the YouDecide platform for illegal purposes, fraudulent activities, or scams, and that you further agree not to use the YouDecide platform to:

YouDecide reserves the right to monitor the platform as it deems appropriate and to remove any materials at its sole discretion that it deems inappropriate, unlawful, or inconsistent with YouDecide's mission.

Suspension/Termination of Access

YouDecide at its sole discretion has the right to suspend or terminate your membership and refuse all current and/or future access to the platform and services by you. You agree that YouDecide.com will not be liable to you or any third party if YouDecide suspends or terminates your access to the services or content for any reason.

If YouDecide suspects criminal or civil wrongdoing, YouDecide will cooperate with legal authorities and third parties in investigating the actions and bringing the perpetrator(s) to justice.

Your Rights

You have the right to:

Your Control of Marketing Communications

YouDecide provides you the ability to consent (“opt-in”) or revoke consent (“opt-out”) for our marketing newsletter at any time. These settings are accessible to you in your online account profile and default to the “opt-out” setting. If you opt-out, you will not receive periodic notification of special promotions and discounts from YouDecide or its platform providers. If you opt-in, these marketing solicitations will only be provided to you via email, never via telemarketing methods. Your opt-in or opt-out status will remain in force until you change it. If you opt-out, you will still continue to receive important notices regarding your account, and notices authorized by your employer/group, such as notice of the open enrollment period. If you have difficulty setting or locating the opt-in and opt-features, contact YouDecide directly for assistance (see Ways to Contact YouDecide).

Updates & Changes

YouDecide may, at its discretion, modify or discontinue any of the services or content on its platform with or without notice. YouDecide will not be liable to you or any third party for any changes or discontinuance of any of the services or content.

YouDecide may update this Terms of Use Agreement, Privacy Policy, and cookies from time to time. When we do, we ask that you again read these updates. After a change has been made, your subsequent use of the platform is governed by the new Terms of Use Agreement, Privacy Policy, and cookie settings currently in effect. Check the effective date at the top of each notice to verify you are reading the most current version.

This Terms of Use is in effect until terminated by YouDecide. Upon termination, the disclaimers and limitations of liabilities set forth within this Terms of Use Agreement will survive.

Service Interruptions

The YouDecide platform can suffer a temporary service interruption at any time, with or without notice. If you attempt to access the platform and cannot, or are notified it is temporarily unavailable, please be patient and try again later. If the problem persists, contact our customer support department for assistance (advisor@youdecide.com). If YouDecide expects the interruption will be prolonged, a notice will appear on the youdecide.com website confirming the outage and providing you with additional information (if applicable).

Providers on the Platform

Providers are Independent of YouDecide

Providers contracted to participate on our platform are operated independently of YouDecide. YouDecide has no editorial control or responsibility for any content, goods, services, or other information the provider may offer. The opinions, statements, services, or other information provided by a provider are strictly those of the respective provider. YouDecide does not represent or endorse the accuracy or reliability of any opinion, statement, product, service, or other information provided by the providers. You agree not to hold YouDecide responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on the content, products, services, or other materials made available by the providers on the YouDecide platform.

Provider Interactions

Each platform provider collects information based on the services or products they offer and according to their operating policies and underwriting guidelines. In some cases, such as when providing a quote for services, YouDecide may collect information from you on their behalf, transmit the information to the provider electronically, then transmit information back to you. In other cases, we provide a link to the provider's website so that you can complete the quoting or sign-up process there (external to YouDecide). In some cases, YouDecide may assist in facilitating payments between you and the provider by exchanging payroll deduction information with your employer. YouDecide does not process credit card payments or electronic funds transfers (EFTs) on behalf of the providers – you must pay the providers directly.

Provider Cookies, Terms of Use, and Privacy Policies

Provider websites are not under the control of or maintained by YouDecide. When you visit a provider's website via the YouDecide platform, that provider may use cookies without YouDecide's knowledge or control. Be sure you verify your cookie settings after navigating to those providers' sites and read their Terms of Use and Privacy Policies. Also, be aware that certain purchases you make with providers may have their own terms and conditions that govern that particular purchase of those goods or services. Such agreements are between you and the provider offering the goods or services, and not with YouDecide.

How Providers Use Your Information

Our platform providers will not use information collected by YouDecide to telemarket their services to you, nor will they automatically place you on a mailing list. If you purchase products or services from a provider, you become part of their customer base and they will handle your information and communications to you in accordance with their company's privacy policies. We encourage you to obtain and read the Privacy Policies of each of the providers with whom you do business.

Getting Help

Ways to Contact YouDecide

For any questions about this Terms of Use Agreement, or to report a security issue or complaint, contact us via one of these methods:

For help using the YouDecide platform or for questions regarding functionality or settings, contact the Customer Support Department via one of these methods:

Complaint Follow-up

If you've contacted YouDecide with a complaint and were not happy with our response, we suggest contacting your employer or member group through which you were provided access to the YouDecide platform. They may be able to remove your information from the data feed that YouDecide receives and/or update an error in the data feed. For issues with a provider or any product or service provided by a provider on the platform, including issues of billing or termination of coverage, please contact the provider directly.

External Sources

If none of the previously described actions was able to resolve your concerns, you may issue a complaint to the Federal Trade Commission (FTC) or other agency using the links below:

How to Withdraw Your Consent/Participation

If you no longer consent to abide by these Terms of Use, you are responsible for:

As a result of no longer participating on the YouDecide platform, you may need to make alternate payment arrangements with providers whose products or services were being paid via payroll deduction (if applicable).


If you have questions about anything in this Terms of Use, please contact us via one of the methods described above.

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