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DPF-Process For Consumers

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style="display:flex;"> <button class="menu_toggle js_menu_toggle"> <div class="menu_closed"> <span></span> <span></span> <span></span> </div> </button> </div> </div> </div> </div> </div> </header> <section class="hero"> <div id="Hero_C112_Col00" class="container sf_colsIn" data-sf-element="Hero content" data-placeholder-label="Hero content"><img class="hero_background" src="https://assets.bbbprograms.org/images/default-source/program-page-headers/programheader_eups_6-15-2020.jpg?sfvrsn=243d8b6d_3" title="CFBAI_ProgramBackgrounds_4-28-2020" alt="CFBAI_ProgramBackgrounds_4-28-2020" /> <div class="breadcrumbs_box"> <nav aria-label="Full path to the current page"> <ul class="breadcrumbs_list"> <li class="breadcrumb_item"><a href="/">Home </a></li> <li class="breadcrumb_item"><a href="/programs">Programs </a></li> <li class="breadcrumb_item"><a href="/programs/all-programs">All Programs </a></li> <li class="breadcrumb_item active" aria-current="page">DPF-Process For Consumers</li> </ul> </nav> </div> <div class="rich-text"> <h1 class="hero_header">DPF Services<br>Dispute Resolution Process</h1><div class="hero_content"><p>Welcome to the BBB National Programs consumer complaint system. BBB National Programs, a non-profit organization based in the United States, helps individual consumers resolve privacy complaints under the Data Privacy Framework (DPF) Program. </p><p>&nbsp;</p><p>If you are an individual in the European Union, the United Kingdom, Switzerland, or other participating countries with a privacy complaint against a participating U.S. business, you may submit the complaint to our program. Our process is free of charge for individual consumers. </p></div> </div> </div> </section> <section class="impact"> <div id="MainContent_C114_Col00" class="sf_colsIn container" data-sf-element="Container" data-placeholder-label="Container"><div class="row" data-sf-element="Row"> <div id="MainContent_C115_Col00" class="sf_colsIn col-xs-12 col-md-1" data-sf-element="Column 1" data-placeholder-label="Left Column"> </div> <div id="MainContent_C115_Col01" class="sf_colsIn col-md-10" data-sf-element="Column 2" data-placeholder-label="Center Column"> </div> <div id="MainContent_C115_Col02" class="sf_colsIn col-xs-12 col-md-1" data-sf-element="Column 3" data-placeholder-label="Right Column"> </div> </div> <div class="row" data-sf-element="Row"> <div id="MainContent_C116_Col00" class="sf_colsIn col-lg-3" data-sf-element="Column 1" data-placeholder-label="Column 1"> <div class="hat_item card"> <h4 class="hat_heading">Free</h4> <span class="hat_text"> Our no-cost online process provides prompt, thorough handling of privacy inquiries and complaints. </span> </div> </div> <div id="MainContent_C116_Col01" class="sf_colsIn col-lg-3" data-sf-element="Column 2" data-placeholder-label="Column 2"> <div class="hat_item card"> <h4 class="hat_heading">Independent</h4> <span class="hat_text"> Our long-established independent non-profit organization ensures consumer complaints are heard and addressed. </span> </div> </div> <div id="MainContent_C116_Col02" class="sf_colsIn col-lg-3" data-sf-element="Column 3" data-placeholder-label="Column 3"> <div class="hat_item card"> <h4 class="hat_heading">Accessible</h4> <span class="hat_text"> We help you understand your redress options to ensure business accountability. </span> </div> </div> <div id="MainContent_C116_Col03" class="sf_colsIn col-lg-3" data-sf-element="Column 4" data-placeholder-label="Column 4"> <div class="hat_item card"> <h4 class="hat_heading">Transparent</h4> <span class="hat_text"> Procedures are detailed in our Rules and casework is published in our annual Procedure Reports. </span> </div> </div> </div> </div> </section> <div class="geometric left bronze_bg"></div><section id="MainContent_C123_Col00" class="sf_colsIn" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C124_Col00" class="sf_colsIn container container_space_vertical" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header">How to File A Complaint</h2> <hr class="styled_line line_400 line_bronze"> </div> <div class="rich-text"> <p><strong style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit">Step 1:</strong><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit"> Contact the business at the address listed in its privacy policy.&nbsp;</span></p> <p><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit">&nbsp;</span></p> <p><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit"></span><strong style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit">Step 2:</strong> <span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit"> Await a reply. The business must respond within 45 days.&nbsp;</span> </p> <p><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit"></span><span style="background-color: rgba(0, 0, 0, 0); color: inherit; font-family: inherit; font-size: inherit; text-align: inherit; text-transform: inherit; word-spacing: normal; white-space: inherit"><br></span></p> <div> <p><strong>Step 3: </strong>File your complaint with BBB National Programs.&nbsp;</p> <p>&nbsp;</p> </div> <div> <p><strong>Step 4:</strong> Engage in our dispute resolution process as we work to resolve your complaint with the business.&nbsp;</p> <p>&nbsp;</p> </div> <div> <p><strong>Step 5:</strong> If issues remain, you may have additional redress options.&nbsp;</p> </div> <div> <p>&nbsp;</p> </div> <div> <p>BBB National Programs will review all eligible complaints and help you and the participating business reach a resolution as described in our program’s <a href="/programs/all-programs/dpf/ProcedureRules" rel="noreferrer noopener" target="_blank">Rules</a>. A Participating Business must comply with BBB National Programs' final determination of any dispute. However, our process is non-binding on the consumer, which means that using our dispute resolution process will not affect your legal rights as an individual. &nbsp;</p> </div> <p>&nbsp;</p> </div> </div> <div class="rich-text"> &nbsp; <p>&nbsp;</p> <p>&nbsp;</p> </div><section id="MainContent_C130_Col00" class="sf_colsIn bg_beige" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C129_Col00" class="sf_colsIn container container_space_vertical_top" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header">Is your complaint eligible for resolution?&nbsp;</h2> <hr class="styled_line line_400 line_bronze"> </div> <div class="rich-text"> <div> <p>Your complaint must concern personal data about you that was collected in a covered country and received in the United States by a Participating Business.&nbsp;</p> </div> <div> <p>&nbsp;</p> </div> <div> <p><strong>1. Eligible individual.&nbsp;</strong></p> </div> <div> <p>Your complaint concerns personal data about you (or your child under 13 years old).&nbsp;</p> </div> <div> <p>&nbsp;</p> <p><strong>2. Covered country.&nbsp;</strong></p> </div> <div><strong></strong> <p>Your personal data was collected in one of the following countries:&nbsp;</p> </div> <div> <p>&nbsp;</p> </div> <div> <p></p> </div> </div> <div class="rich-text"> <div class="hero_content wide"> <table border="1 " data-tablestyle="MsoTableGrid " data-tablelook="1696 " style="border-width: 0; border-style: none; width: 100%; height: 700px"> <tbody> <tr style="height: 310px"> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <p><strong>European Union&nbsp;</strong></p> </td> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <div> <p style="text-align: left">Austria&nbsp;</p> </div> <div> <p style="text-align: left">Belgium&nbsp;</p> </div> <div> <p style="text-align: left">Bulgaria&nbsp;</p> </div> <div> <p style="text-align: left">Croatia&nbsp;</p> </div> <div> <p style="text-align: left">Cyprus&nbsp;</p> </div> <div> <p style="text-align: left">Republic&nbsp;</p> </div> <div> <p style="text-align: left">Denmark&nbsp;</p> </div> <div> <p style="text-align: left">Estonia&nbsp;</p> </div> </td> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <div> <p style="text-align: left">Finland&nbsp;</p> </div> <div> <p style="text-align: left">France&nbsp;</p> </div> <div> <p style="text-align: left">Germany&nbsp;</p> </div> <div> <p style="text-align: left">Greece&nbsp;</p> </div> <div> <p style="text-align: left">Hungary&nbsp;</p> </div> <div> <p style="text-align: left">Ireland&nbsp;</p> </div> <div> <p style="text-align: left">Italy&nbsp;</p> </div> <div> <p style="text-align: left">Latvia&nbsp;</p> </div> </td> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <div> <p style="text-align: left">Lithuania&nbsp;</p> </div> <div> <p style="text-align: left">Luxembourg&nbsp;</p> </div> <div> <p style="text-align: left">Malta&nbsp;</p> </div> <div> <p style="text-align: left">Netherlands&nbsp;</p> </div> <div> <p style="text-align: left">Poland&nbsp;</p> </div> <div> <p style="text-align: left">Portugal&nbsp;</p> </div> <div> <p style="text-align: left">Romania&nbsp;</p> </div> <div> <p style="text-align: left">Slovakia&nbsp;</p> </div> </td> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <div> <p style="text-align: left">Slovenia&nbsp;</p> </div> <div> <p style="text-align: left">Spain&nbsp;</p> </div> <div> <p style="text-align: left">Sweden&nbsp;</p> </div> <div> <p style="text-align: left">&nbsp;</p> </div> </td> </tr> <tr style="height: 161px"> <td data-celllook="0 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(228, 228, 228, 1)"> <p style="text-align: left"><strong>European Economic Area&nbsp;</strong></p> </td> <td data-celllook="0 " colspan="4 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(228, 228, 228, 1)"> <div> <p style="text-align: left">Iceland&nbsp;</p> </div> <div> <p style="text-align: left">Liechtenstein&nbsp;</p> </div> <div> <p style="text-align: left">Norway&nbsp;</p> </div> </td> </tr> <tr style="height: 61px"> <td data-celllook="0 " colspan="5 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(255, 255, 255, 1)"> <p style="text-align: left"><strong>The United Kingdom&nbsp;</strong></p> </td> </tr> <tr style="height: 61px"> <td data-celllook="0 " colspan="5 " style="width: 20%; border-width: 0; border-style: none; padding: 4px; margin: 1px; background-color: rgba(228, 228, 228, 1)"> <p><strong>Switzerland</strong></p> </td> </tr> </tbody> </table> </div> </div> <div class="rich-text"> <div> <p>&nbsp;</p> </div> <div> <p><br></p> </div> <div> <p><strong>3. Participating business.&nbsp;</strong></p> </div> <div> <p>Your personal data was received in the United States by a U.S. organization that is both:&nbsp;</p> </div> <div> <p style="margin-left: 30px">a. Self-certified under the Data Privacy Framework Program, and&nbsp;</p> </div> <div> <p style="margin-left: 30px">b. A Participating Business with BBB National Programs (you may search our list of current participants when you file your complaint).&nbsp;</p> <p>&nbsp;</p> </div> <div> <p><strong>4. Complaint or inquiry.&nbsp;</strong></p> </div> <div> <p>Your complaint must allege a violation of the Data Privacy Framework Principles by the Participating Business or assert your rights under the Principles in relation to your personal data.&nbsp;</p> </div> <div> <p>&nbsp;</p> </div> <div> <p>Please reach out to the U.S. business via the contact information listed on its privacy policy before filing your complaint with BBB National Programs. The business has 45 days to respond to your inquiry.&nbsp;</p> </div> <div> <p>&nbsp;</p> </div> </div> </div> <div class="rich-text"> <p>&nbsp;</p><p>&nbsp;</p> </div><div class="row" data-sf-element="Row"> <div id="MainContent_C137_Col00" class="sf_colsIn col-lg-2" data-placeholder-label="Column 1" data-sf-element="Column 1"> </div> <div id="MainContent_C137_Col01" class="sf_colsIn col-lg-3" data-placeholder-label="Column 2" data-sf-element="Column 2"> </div> <div id="MainContent_C137_Col02" class="sf_colsIn col-lg-2" data-placeholder-label="Column 3" data-sf-element="Column 3"> <a href="https://privacyshield.bbbnp.org/complaint" target="_blank" class="styled_button btn_darkblue "> <span>File a Complaint</span> </a> </div> <div id="MainContent_C137_Col03" class="sf_colsIn col-lg-3" data-placeholder-label="Column 4" data-sf-element="Column 4"> </div> <div id="MainContent_C137_Col04" class="sf_colsIn col-lg-2" data-placeholder-label="Column 5" data-sf-element="Column 5"> </div> </div> <div class="rich-text"> &nbsp; <p>&nbsp;</p> <p>&nbsp;</p> </div> </section><div class="geometric right red_bg"></div><section id="MainContent_C139_Col00" class="sf_colsIn bg_white" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C140_Col00" class="sf_colsIn container container_space_vertical_top" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h3 class="section_header" style="text-align: center">Frequently Asked Questions</h3> </div><div class="faq_list_box"> <div id="MainContent_C142_Col00" class="faq_place sf_colsIn" data-sf-element="FAQ list" data-placeholder-label="FAQ list"> <div data-sf-role="lists"> <div class="sf-list sf-list--expandable clearfix"> <div class="sf-list-item"> <div class="one_item" > <a href="javascript:void(0)" data-sf-role="toggleLink" class="list_link" role="button" data-toggle="collapse" data-target="#58459ae2-661a-49a4-9ffa-e78aa16746d9" aria-expanded="false" aria-controls="58459ae2-661a-49a4-9ffa-e78aa16746d9"> What is the Data Privacy Framework Program? </a> <div style="display:none;" class="sf-list-content collapse multi-collapse answer_text" id='58459ae2-661a-49a4-9ffa-e78aa16746d9'> <p>Privacy Shield was recently replaced by the Data Privacy Framework Program, a mechanism for legally transferring personal data from the European Union, the United Kingdom (and Gibraltar), Switzerland, or other participating countries to the United States.&nbsp;Designed by the U.S. Department of Commerce&nbsp;to support transatlantic commerce in&nbsp;coordination with&nbsp;the European Commission, these mechanisms promote greater transparency around international data processing and enable U.S. businesses to demonstrate that their privacy practices meet data protection requirements such&nbsp;as&nbsp;GDPR,&nbsp;including enhanced protections for consumers.&nbsp;Privacy Shield was officially replaced by the Data Privacy Framework Program in July 2023.</p> </div> </div> <div class="one_item" > <a href="javascript:void(0)" data-sf-role="toggleLink" class="list_link" role="button" data-toggle="collapse" data-target="#d24c0b82-cccd-480f-ada2-1b723654fdfc" aria-expanded="false" aria-controls="d24c0b82-cccd-480f-ada2-1b723654fdfc"> What are my rights under the Data Privacy Framework Program? </a> <div style="display:none;" class="sf-list-content collapse multi-collapse answer_text" id='d24c0b82-cccd-480f-ada2-1b723654fdfc'> <p>Among other requirements, a participating organization must provide you:&nbsp;</p><ul style="margin-left: 60px"><li>Information on the types of personal data&nbsp;collected;</li><li>Information on the purposes of collection and&nbsp;use;</li><li>Information on the type or identity of third parties to which your personal data is&nbsp;disclosed;</li><li>Choices for limiting use and disclosure of your personal&nbsp;data;</li><li>Access to your personal&nbsp;data;</li><li>Notification of the organization’s liability if it transfers your personal&nbsp;data;</li><li>Notification of the requirement to disclose your personal data in response to lawful requests by public&nbsp;authorities;</li><li>Reasonable and appropriate security for your personal&nbsp;data;</li><li>A response to your complaint within 45&nbsp;days;</li><li>Cost-free independent dispute resolution to address your data protection concerns; and</li><li>The ability to invoke binding arbitration to address any complaint that the organization has violated its obligations under the Principles to you and that has not been resolved by other means.&nbsp;</li></ul> </div> </div> <div class="one_item" > <a href="javascript:void(0)" data-sf-role="toggleLink" class="list_link" role="button" data-toggle="collapse" data-target="#115c483e-32d1-4d20-9130-ca7e970971b1" aria-expanded="false" aria-controls="115c483e-32d1-4d20-9130-ca7e970971b1"> What is the role of BBB National Programs? </a> <div style="display:none;" class="sf-list-content collapse multi-collapse answer_text" id='115c483e-32d1-4d20-9130-ca7e970971b1'> <p>For more than 20 years, BBB National Programs, a non-profit organization based in the United States, has operated an approved independent dispute resolution mechanism. We help EU, UK, and Swiss individuals resolve privacy complaints under the Data Privacy Framework Program, and previously under Privacy Shield.</p> </div> </div> <div class="one_item" > <a href="javascript:void(0)" data-sf-role="toggleLink" class="list_link" role="button" data-toggle="collapse" data-target="#05a22cee-18d7-4471-be00-cb37526b0aac" aria-expanded="false" aria-controls="05a22cee-18d7-4471-be00-cb37526b0aac"> How do I file a complaint against a company? </a> <div style="display:none;" class="sf-list-content collapse multi-collapse answer_text" id='05a22cee-18d7-4471-be00-cb37526b0aac'> <p>You can learn more about the steps to file a complaint by visiting this page:&nbsp;<a href="/programs/all-programs/dpf-consumers">For Consumers</a>.</p> </div> </div> </div> </div> </div> </div> </div> </div> <div class="rich-text"> &nbsp; <p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p> </div><section id="MainContent_C145_Col00" class="sf_colsIn bg_beige" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C147_Col00" class="sf_colsIn container container_space_vertical_top" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h2 class="section_header">Principles &amp; Procedures</h2> <hr class="styled_line line_400 line_bronze"> </div><div id="MainContent_C152_Col00" class="cards_line sf_colsIn" data-sf-element="Cards place" data-placeholder-label="Cards place"><div id="MainContent_C153_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <div class="rich-text"> <p>When a U.S. business joins the Data Privacy Framework Program, it makes a public commitment that its processing of European Union, United Kingdom, and Switzerland, or other participating countries', personal data will meet the data protection standards embodied in the Principles.</p> <p>&nbsp;</p> <p>A business that chooses BBB National Programs as its IRM agrees to follow our Procedure Rules when responding to privacy complaints, and to keep the same promise to the individuals who make use of our dispute resolution service.&nbsp;<br></p> </div> </div><div id="MainContent_C154_Col00" class="card sf_colsIn" data-sf-element="Card content" data-placeholder-label="Card content"> <a class="card_document" href="/programs/all-programs/dpf/Principles"> <div class="doc_heading">Program Principles</div> <div class="doc_text"> Read the Principles </div> </a> <a class="card_document" href="/programs/all-programs/dpf/ProcedureRules"> <div class="doc_heading">Procedure Rules</div> <div class="doc_text"> Read the Rules </div> </a> </div> </div> </div> <div class="rich-text"> &nbsp; <p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p> </div> </section><section id="MainContent_C146_Col00" class="sf_colsIn" data-sf-element="Section" data-placeholder-label="Section content"><div id="MainContent_C148_Col00" class="sf_colsIn container container_space_vertical_top" data-sf-element="Container" data-placeholder-label="Container"> <div class="rich-text"> <h3 class="section_header" style="text-align: center">Resources for Consumers</h3> </div><div id="MainContent_C159_Col00" class="cards_grid sf_colsIn" data-sf-element="Cards place" data-placeholder-label="Cards place"> <a href="https://www.privacyshield.gov/Individuals-in-Europe" class="card_tlb card" style="background-image: url('https://assets.bbbprograms.org/images/default-source/resources-thumbnails/thumbnails_generic_500x500-13.jpg?sfvrsn=4f5f3856_4');"> <h4 class="tlb_heading"><span>DOC Guidance for EU &amp; Swiss Individuals</span></h4> <div class="tlb_link styled_link blue_text"> <span class="tlb_link_text">Learn More</span> </div> </a> <a href="/programs/all-programs/dpf/AnnualProcedureReports" class="card_tlb card" style="background-image: url('https://assets.bbbprograms.org/images/default-source/resources-thumbnails/thumbnails_generic_500x500-03.jpg?sfvrsn=d5a44bc0_4');"> <h4 class="tlb_heading"><span>Procedure Reports</span></h4> <div class="tlb_link styled_link blue_text"> <span class="tlb_link_text">Learn More</span> </div> </a> <div class="card empty_place"></div> <div class="card empty_place"></div> </div> </div> <div class="rich-text"> &nbsp; <p>&nbsp;</p><p>&nbsp;</p><p>&nbsp;</p> </div> </section> </section> </section> <div class="page-footer"> <footer class="social"> <div class="container"> <div class="social_inner"> <span class="follow">Follow us on social media</span> <nav class="social_nav"> <a href="https://www.facebook.com/BBB-National-Programs-266206120950/?ref=br_rs" target="_blank" class="social_nav_link facebook_link"> <span class="sr--only">Facebook</span> </a> <a href="https://twitter.com/BBB_NtlPrograms" target="_blank" class="social_nav_link twitter_link"> <span class="sr--only">Twitter</span> </a> <a href="https://www.youtube.com/channel/UCsR78pyCQkqAGrJS0hfu1eg" target="_blank" class="social_nav_link youtube_link"> <span class="sr--only">Youtube</span> </a> <a href="https://www.linkedin.com/company/bbb-national-programs" target="_blank" class="social_nav_link linkedin_link"> <span class="sr--only">Linkedin</span> </a> <a href="https://betterbusiness.blubrry.com/" target="_blank" class="social_nav_link podcasts_link"> <span class="sr--only">Podcasts</span> </a> </nav> </div> </div> </footer> <footer class="main_footer"> <div class="container"> <div class="footer_box"> <a href="/" class="footer_logo"> <span class="sr--only">Link to homepage</span> </a> <nav class="footer_nav"> <ul> <li> <a href="/about-us/board-of-directors" target="_self">Board of Directors</a> </li> <li> <a href="/about-us/BBB-National-Programs-Leadership" target="_self">Leadership</a> </li> <li> <a href="/podcasts" target="_blank">Podcasts</a> </li> <li> <a href="/OnlineArchive" target="_self">Online Archive</a> </li> <li> <a href="/privacy-policy" target="_self">Privacy Policy</a> </li> <li> <a href="/terms-of-use" target="_self">Terms of Use</a> </li> <li> <a href="/about-us/contact-us" target="_self">Contact Us</a> </li> </ul> </nav> </div> <span class="copyright"> © 2024, BBB National Programs, Inc. 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