; and (B) includes a service described in subparagraph (A) that is provided through a software program, including a mobile application. (5) Emergency services The term emergency services has the meaning given such term in section 222 of the Communications Act of 1934 ( 47 U.S.C. 222 ). (6) Material The term material means, with respect to a change in a privacy policy of a provider of a covered service, any change in such policy that a user of the service, acting reasonably under the circumstances, would consider important to the decisions of the user regarding the privacy of the user, including any change to information required to be included in a privacy notice under section 2. (7) Mobile application The term mobile application means a software program that runs on the operating system of a mobile device. (8) Non-sensitive user information The term non-sensitive user information means any user information that is not sensitive user information. (9) Opt-in approval The term opt-in approval means a method for obtaining from a user of a covered service consent to use, disclose, or permit access to sensitive user information under which the provider of the service obtains express consent allowing the requested usage, disclosure, or access to the sensitive user information. (10) Opt-out approval The term opt-out approval means a method for obtaining from a user of a covered service consent to use, disclose, or permit access to non-sensitive user information under which the user is deemed to have consented to the use, disclosure, or access to the non-sensitive user information if the user has failed to object to such use, disclosure, or access. (11) Public safety answering point The term public safety answering point has the meaning given such term in section 222 of the Communications Act of 1934 ( 47 U.S.C. 222 ). (12) Sensitive user information The term sensitive user information includes any of the following: (A) Financial information. (B) Health information. (C) Information pertaining to children under the age of