definiens: means all applicable Laws and Governmental Orders concerning theprivacy or security of Personal Information, and all regulations promulgated by Governmental Authorities thereunder, including but not limited to HIPAA, the Gramm - Leach - Bliley Act, the Fair Credit Reporting Act, the Fair and AccurateCredit Transaction Act, the Federal Trade Commission Act, the Privacy Act of 1974, the CAN - SPAM Act, theTelephone Consumer Protection Act, the Telemarketing and Consumer Fraud and Abuse Prevention Act, Children’sOnline Privacy Protection Act, state social security number protection Laws, state data breach notification Laws, state consumer protection Laws, the European Union Directive 95/46 / EC and Canada ’s Personal InformationProtection and 10Electronic Documents Act, and any applicable Laws concerning requirements for website and mobile applicationprivacy policies and practices, call or electronic monitoring or recording or any outbound communications ( including, but not limited to, outbound calling and text messaging, telemarketing, and e - mail marketing )