Terms and Conditions

A few terms will be used in these Terms:

“App” refers to any downloadable program that we might provide for you.

“Consumer” refers to any person, other than a Service Provider, who visits our site or makes use of any of our services or content.

“Content” refers to any text, emails, notifications, images, audio, videos, or any other content—or any combination of the aforementioned—that we make publicly accessible on our site(s), app(s), or otherwise allow you to access through the site(s), app(s), whether or not it was produced by us.

“Services” refers to any software or services that we make available to you, such as the Site, App, and any potential offline services.

“Service Provider” refers to any advertiser, online affiliate network, or third-party service provider (including freelance journalists) that we have an agreement with to supply Content or Services.

“Location”: Gold-IRA Firms

“Terms”: These legally binding Terms of Service, which control your usage of our services.

“GIC”, “us”, “our”, or “we”: Gold IRA Companies DBA

“You” or “your” refers to you. “User” refers to any person who uses our services, including Service Providers and Consumers.

We offer Content on a wide range of subjects through our Services. You may only use our services for informational purposes.

You can find out more about specific goods and services on our website. With any luck, this information will assist you in selecting and utilizing the goods and services that best fit your needs. Please be aware that any decisions you make regarding the content of the Site are your own responsibility.

Our Services offer Content that is wide in scope and does not consider pertinent financial or non-financial details pertaining to your individual circumstances. Because your situation is unique, information contained in the Content might not apply to you personally. When deciding whether to use or buy any good or service, you should take into account more information from other sources.

These terms contain an arbitration agreement that limits class action claims and requires you and Gold IRA Companies to arbitrate certain claims through binding arbitration instead of going to court, unless you opt out of the arbitration agreement as outlined in the arbitration section (see Section 20, “Agreement to Arbitrate”). PLEASE READ THESE TERMS CAREFULLY.

Acceptance of Terms

Before using our website, please read these terms again as they may have changed since your last visit. YOU MAY ALSO VIEW THESE TERMS VIA A WEB BROWSER AT goldiracompanies.com/terms/ IF YOU ARE VIEWING THIS ON A MOBILE DEVICE. DO NOT USE OUR SERVICES, INCLUDING OUR SITE OR APP, IF YOU DO NOT AGREE TO THESE TERMS. YOU AGREE TO THESE TERMS UNCONDITIONALLY BY USING OUR SERVICES, INCLUDING OUR SITE OR APP, AND YOU REPRESENT TO US THAT YOU ARE AT LEAST 18 YEARS OLD.RI retains the right, in its sole discretion, to update these Terms at any time and without giving you any prior notice, except from by updating this page. Upon posting, changes to the Terms take effect. The most recent revision date will be used to identify the Terms. Once we’ve posted an updated version of these Terms on our site, you agree to the updated terms by continuing to use our site or our app.

Our Services

Online publications, to start. Through our Services, we and our affiliates may offer a platform where a Consumer or other Users can get information about the content of the Site, which may include details on a range of subjects. We and our affiliates may offer Content produced by our Service Providers through our Services. We have agreements with independent journalists and/or content creators who might suggest other service providers that we have agreements with. Through our services, our service providers may also promote their goods and services.The content on the Site that is made available to you through our services is purely informational and does not establish any kind of fiduciary or other relationship or obligation between you, us, or any of our affiliates or service providers. Links to websites hosted by parties other than us (referred to as “Third Party Sites”) may appear in the content. Third Party Sites are not covered by these Terms; this is explained in greater detail in Section 11.

  1. Not a supplier of services. You understand and concur that we are not a provider of services. Our services might put you in contact with a service provider and give you broad details about the topic of the site or other kinds of goods or services. We don’t operate as a bank, credit card company, insurer, communications company, or any other kind of service provider.
  2. Data Usage. We may provide certain statistical data that we gather from you to our service providers in compliance with our privacy policy, which goes into further detail about this.We reserve the right, as stated in Section 4, to change, suspend, or end our services, or your access to them, in whole or in part, at any time, for any reason, and without prior notice.You are in charge of making sure that any Content you submit conforms with all applicable laws and regulations, as stated in Section 8.

Fees

Regarding Buyers. Only customers are subject to this Section 3(a).

  1.  Costs. For now, there isn’t a cost associated with using our services for any consumer. You acknowledge that we reserve the right to charge you for using our services in the future at any time, at our sole discretion. In such cases, we will notify you of any fees that may apply and require you to register for an account in order to use our services.
  2. Fees for the service provider. While we do not currently charge consumers for using our services, once you enter into a contract with a service provider, that service provider may start charging you. Your interactions with Service Providers and your activities on Third Party Sites are not governed by these Terms. More details about terms pertaining to activities on Third Party Sites can be found in Section 11.
  3. The Amount Due. You agree that we may charge your payment method for the fees and other amounts specified in this Section 3 in the event that we decide to charge for the use of our services. US dollars must be used for all payments.
  4. Bank Credit. If we choose to charge you for using our services, we may also charge you a fee for using a credit card to pay for those services. These fees are detailed on the relevant Site or in our App, and we reserve the right to update them at any time. As stated on the relevant Site or App and as we may update from time to time, the fee for using a credit card may be a portion of the amount you must pay to us.
  5. Policy for Billing and Payment. Your registration information is subject to our privacy policy in its entirety. Instead of processing your credit card information directly, we might bill you through an online account using a third-party payment service. You agree that we will not be held liable for any failures on the part of the third party to sufficiently protect such information. By providing your payment account information, you give us permission to store and process your information with the third party payment service, which may change from time to time.In addition to these Terms, the terms, conditions, and privacy policies of such third-party payment service will apply to the processing of payments. You understand that we have the right to switch the third-party payment service and transfer your data to new service providers who use transport layer security technology (TLS) or similar security technology to encrypt data.
  6.  Reversals of purchases; credits or refunds. We have no obligation to offer refunds or credits, save as may be specifically stated on the relevant Site or our App as updated from time to time. However, we may do so under certain conditions, as a result of particular refund guarantee promotions, or to address any errors that we may have made, in each case at our sole discretion.
  7. For those who offer services. This only pertains to Service Providers under Section 3(b).

Our separate written agreement with you will govern the amount we pay you or the amount you pay us, as well as any related payment terms.

Scope of Service

We may change our Services at any time. If you do not like our Services or these Terms, please let us know and provide constructive feedback by sending us an email at [email protected]. We do not promise to make any changes that you suggest, and your sole remedy if you are dissatisfied with our Services or these Terms is that you may discontinue your use of our Services at any time.

Without prior notice, we reserve the right to change, halt, or terminate all or part of our services. Periodically, our services might also be unavailable because of computer equipment failure or maintenance, among other reasons. You need to have a compatible mobile device with our App installed on it or a computer with Internet access that can view our site in order to use our services.

The standard rates and fees of your telecommunications provider are applicable when using our services. Any fees your telecommunications provider may charge you for using our services are not our responsibility. It is your responsibility to make sure you are never in violation of your contract with your telecommunications provider when using our services.

Please be aware that a service provider might pay us. A Service Provider may sponsor content that appears on our website or app.

License to Use; Privacy Policy

We hereby grant you a limited, personal, non-exclusive, non-transferable, non-sub licensable, revocable license to install and use our App on a compatible mobile device for your personal, non-commercial purposes, and to use our Site, as applicable, only in the ways permitted by us, subject to these Terms and any other agreement between you and us.

If you break any of these Terms, your license to use our Services will be immediately terminated. We might occasionally update or enhance our services. You acknowledge that these Terms will govern any updates or enhancements of this kind. The aforementioned license agreement does not constitute a sale of our website, application, or copy of either, and all rights and interests in our services are retained by us, our partners, and our suppliers. Unless specifically specified in these Terms, any attempt by you to transfer any of the rights, duties, or obligations under this agreement is null and void. All rights not specifically granted by these Terms are reserved by us.

Our Privacy Policy, also known as the “Privacy Policy,” outlines how we gather, utilize, and disclose data and information in relation to our services. You accept the collection, use, and disclosure practices described in the Privacy Policy, which is hereby incorporated into these Terms and may be updated by us from time to time in accordance with its terms. You agree to receive communications from us as further detailed in the Privacy Policy by using our services. To find out more about your options with regard to our electronic communications practices, please read the Privacy Policy. You consent that we will satisfy all legal communication requirements, including written communications, with any notices, agreements, disclosures, or other communications that we send to you electronically.

Login Credentials

To utilize certain features of our services, you will need to register and submit certain data. We may allow you to log in using a social media account (“Login Credentials”), or we may ask you to fill out a registration form and create a user name and password. You must provide accurate contact information (like your name and email address) during any such registration in compliance with these Terms. You bear the responsibility of ensuring that no one else uses your login credentials and for any activity that takes place on your account, including but not limited to debt repayments.In order for us to take the necessary action, you agree to notify us right away if you think that your login credentials have been used—or could be used—without your consent. If you fail to protect your login credentials, we won’t be held liable for any losses or harm. Your submission of any information via our Services is governed by our Privacy Policy, which is subject to change at any time. To the extent that our Services make this feature available, you are in charge of maintaining the accuracy of your registration information through your account page.

GIC Content; Uploaded Content

We hereby grant you a limited, personal, non-transferable, non-exclusive, non-sub licensable, revocable license to access and use the Content (referred to as “GIC Content”) made available through our services, solely for your personal and non-commercial use, and subject to any restrictions on certain types of Content specified in these Terms. This license is subject to these Terms and any other agreements between you and us. You acknowledge that you use the GIC Content posted on our Services at your own risk.

The use of framing or any other method of framing our Services or any Content should not be interpreted as granting any license or right, implied, estoppel, or otherwise, except as expressly permitted by these Terms, or (b) with our prior written permission or the permission of any third party that may own the trademark or copyright of material displayed on our Site.

Regarding the Content that Users post to our Services, GIC does not assert any ownership rights (collectively, “User Content”). You guarantee and declare to us that you are the owner of the User Content that you have posted, or that you otherwise have enough right, title, and interest in and to such User Content to allow us to grant the licenses and rights listed below without breaching, impairing, or misusing anyone else’s intellectual property, contract rights, publicity rights, privacy rights, or any other rights. You consent to paying any and all royalties, fees, and other amounts that are due to anyone as a result of any User Content that you have posted.

You continue to have the same accountability and rights for User Content that you did before uploading it to our services, with the exception that you give up any moral rights in submitted material. You hereby grant us a non-exclusive, perpetual, irrevocable, royalty-free, transferable, sublicensable, worldwide license to use your User Content for any purpose through any method, mode of delivery, or media now known or developed in the future. This license includes the ability to reproduce, distribute, prepare derivative works of, adapt, modify (e.g., re-format), translate, re-arrange, display, publicly perform, and in any other way.

We are under no requirement to use any User Content or to keep using it. Regardless of whether we edit the User Content you submit to our Services, you are always the only author of that content.

Without being required to provide notice of such changes, we reserve the right to make changes to any Content, descriptions or specifications of our Services, or other information.

Prohibited Conduct

You agree not to use our services for any purpose that is against the law or restricted by these terms as a condition of using our services. You are in charge of making sure that any content you submit complies with all relevant rules and laws. It is strictly forbidden for you to utilize our services in any way that might, in our sole judgment, harm, disable, overload, impair, or interfere with the use of our services by any other party.

It is forbidden for you to try and acquire any materials or information by any means that isn’t purposefully made available through our services. You understand that we reserve the right to disable any user account with a profile that we reasonably believe to be false or misleading (including a profile that impersonates a third party). You also agree not to use false or misleading information in connection with your user account or impersonate any other person, living or dead.

Furthermore, you commit to refraining from using our Services, as well as to not permit or assist anyone else in doing so. This includes: a. Transmitting any content that RI deems unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, offensive, obscene, pornographic, lewd, lascivious, or otherwise objectionable.

  1. Use a term or phrase that offends us at our sole discretion.
  2. Post remarks that are disparaging.
  3. Share content that is offensive or hateful, or that denigrates any group—religious, racial, ethnic, or sexual.
  4. Share content that encourages or portrays the use of illicit drugs.
  5. Share content that presents violence as glamorous, acceptable, or appealing.
  6. Posting content that violates the copyright, trademark, or trade secret of another person.
  7. Distribute unsolicited advertisements or illegally advertise goods or services.
  8. To purposefully embarrass, stalk, threaten, or otherwise cause distress to another person or entity.
  9. Encourage, solicit, or take part in pyramid schemes or multi-level marketing.
  10. Prey on minors who are younger than eighteen.
  11. Take part in disruptive behavior, like bombarding a forum with messages in an attempt to dominate it.
  12. Violate someone’s right to privacy, including, but not limited to, publishing a person’s personally identifiable information or other private details without that person’s consent (or, in the case of a child under 13, their parent’s consent).
  13. Request personal data from kids younger than 13 years old.
  14. Construct a fictitious identity or pose as someone else.
  15. Promote actions that could result in a civil or criminal violation.

 

The restrictions listed above are meant to be examples; we reserve the right to consider other conduct to be prohibited.

You consent that you will not, and will not permit any person or entity to: (i) use our services for any unfair or deceptive practices; (ii) act in a fraudulent, tortious, malicious, or negligent manner when using our services; (iii) obtain unauthorized access to any computer system through our services; or (v) violate any federal, state, local, foreign, or other applicable law, rules, or regulations of regulatory or administrative organizations;(v) introduce viruses, worms, Trojan horses, or other harmful code to our services; (vi) use any robot, spider, site search/retrieval application, or other automated device, process, or means to access, retrieve, scrape, or index any portion of our services or any Content, except as permitted by our robots.txt file on the applicable Site. (iv) circumvent, remove, or interfere in any way with any security-related features of our services, features that prevent copying or using any part of our services, or features that enforce limitations on the use of our services or any Content.

For any of the reasons listed above or for any other reason, we reserve the right, at our sole discretion and without prior notice, to determine whether your use of our Services violates these Terms. If so, we may immediately terminate your access to our Services.

Indemnification

By using the Services, you hereby agree to defend, indemnify, and hold harmless us, our officers, directors, employees, and agents from any and all claims, damages, losses, liabilities, and all costs and expenses of defense (collectively, “Claims”), including attorneys’ fees, that may arise from a third party claim arising directly or indirectly from (i) your provision of any Content, (ii) your use of our Services; (iii) any use of any Content that you submit via our Services by any User or other third party; or (iv) any interactions you may have with other Users, including but not limited to offering any of your products to them. You accept that we will be your sole defense against any such Claims, at our option.

Intellectual Property Rights.

You understand and agree that we own the organization, structure, and code that are utilized in connection with our services. You agree not to, and you shall not permit any person or entity to: (i) use our Services for the benefit of any other person or entity, on a time-sharing, service bureau, or similar basis; (ii) modify, improve, or create derivative works based on our Services or any Content made available through the aforementioned; or

(iii) try to extract source code from our Services by reverse engineering, reverse assembling, decompiling, or in any other way. In contravention of these Terms, you are not permitted to sell, transfer, publish, disclose, display, or in any other way make our Services available, including without limitation any changes, improvements, derivatives, or other software or materials provided hereunder by us, or copies thereof, to third parties.

Unless otherwise specified, all of the RI Content that appears on our Services is the property of us, our affiliates, or our licensors. It is shielded from unauthorized use and duplication by international agreements, US copyright law, trademark law, and other intellectual property laws. The names of products are either registered or trademarks of their respective companies.

Links to Third Party Sites.

Links to external websites may be included in Our Services. We offer these links for your convenience, and we take no responsibility for the information found on any linked third-party website. Any website owned by a third party that you access through our services is independent of us, and the content of that website is not under our control. Furthermore, a link to a third-party website does not mean that we support it or take any liability for its use or content. Any third-party website’s terms of service and privacy policy apply when using it. We ask that you use common sense and caution when visiting third-party websites.

Providers of Third Party Platforms

This is your acknowledgement and agreement that all of our suppliers, licensors, and other third parties are not parties to these Terms; (ii) are not obligated in any way to provide maintenance or support services with regard to RI; (iii) are not liable for handling any claims that you or any other party may have regarding our Services, including, but not limited to, claims relating to product liability, claims under consumer protection laws, or claims under any other law, rule, or regulation; and (iv) are not obligated to look into, defend, settle, or resolve any allegation that our Services or use thereof violates the intellectual property rights of third parties.

Disclaimer

We shall not be responsible for any loss or damage resulting from the unsuccessful delivery or receipt of Content, from your use of or reliance on information obtained from our Services, information supplied by another User, or from your use of our Services. It is your duty to assess whether any advice, opinion, or other content made available through our Services is accurate, comprehensive, or useful. If you choose to use or rely on any information, opinion, advice, or other content made available through our Services, you are solely liable for any loss or damage. Our services, along with all the content available on or accessed through them, are offered “as is” without any kind of warranty, implied or otherwise, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. In particular, but not exclusively, WE DO NOT GUARANTEE THAT: (i) THE INFORMATION AVAILABLE THROUGH OUR SERVICES IS ERROR-FREE; (ii) THE FUNCTIONS OR SERVICES PROVIDED BY OUR SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, INCLUDING WITHOUT LIMITATION MECHANISMS FOR THE DOWNLOADING AND TRANSMITTING CONTENT; (iv) That viruses or other harmful components are not present on our servers or the server(s) that make them available; (iii) THAT DEFECTS WILL BE CORRECTED. We, along with our affiliates and licensees, are unable to guarantee that any personal information you provide won’t be misused, intercepted, lost, destroyed, or used by someone else.

Limitation of Liability; Release

Disclaimer (a). Regardless of the circumstances, under no circumstances will we be liable to you, any other user of our services, third-party providers, or any other person or entity for any special, incidental, punitive, consequential, example, or other indirect damages (including, but not limited to, damages for lost profits, lost data, loss of use, or costs associated with obtaining substitute goods or services) arising from the use, inability to use, unauthorized access to or use or misuse of our services, your contact information, content, or any information contained therein, whether under warranty, contract, tort (including, without limitation, negligence), or under any other basis.

(b) Restraint. The maximum amount that we will be liable to you for any claims arising out of these terms is (I) $100.00; or (II) The total amount of fees you, as a consumer, have paid us in the previous six months, if any, or, if you are a service provider, the total amount of fees we have paid you in the previous six months, if any.

(c) Not Included. Certain warranties cannot be excluded, and liability for incidental or consequential damages cannot be limited or excluded in some jurisdictions. Consequently, to the extent permitted by law, some of the above limitations may not apply to you. Instead, they shall apply.

  1. d) Discharge. Our services are merely a way for us to give our customers information; we don’t give them advice or interfere in any way when they use the information to make decisions of any kind. We disclaim all liability for any claims, demands, or damages (actual or consequential) of any kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with (i) disputes between or among Users; (ii) third party sites, products, and services, including without limitation insurance policies; or (iii) any of these things because we were not involved in any such decisions. (iii) any claims pertaining to illegal access to any information, communications, or content related to your account, including but not limited to illegal use or modification of such communications or your Content. We specifically disclaim all responsibility and any disputes that might occur between or among users of our services. Section 1542 of the California Civil Code is waived. It states that a general release does not apply to claims that the creditor did not know about or suspect to be in their favor at the time the release was executed. If the creditor had known about these claims, it would have had a material impact on how they settled with the debtor. Any other comparable provision of the applicable law that might apply to you is hereby waived.

California Users

Residents of California can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by phone at (800) 952-5210) or by mail at 1625 North Market Blvd., Suite N112, Sacramento, CA 95834. The Complaint Assistance Unit can be contacted by hearing-impaired users at TDD (800) 326-2297 or TDD (916) 322-1700.

Jurisdictional Issues.

We do not guarantee that the content on our services is suitable or usable in locations other than the United States. Anyone using our services from outside of the US does so voluntarily, at their own risk, and is in charge of adhering to any local laws that may be relevant. By using our services, you agree to the transfer and processing of your login credentials and any personal information you enter during the account creation process in the United States, subject to the data protection guidelines outlined in our Privacy Policy, which is periodically updated on our website.

Modifying and Terminating Service.

In our sole discretion, we reserve the right to terminate your access to our Services at any time and for any reason by sending you an electronic notice at the email address you registered with. You acknowledge and agree that if your access to our Services is terminated, we will not be held responsible to you or any third party. We might occasionally update and modify our services. We reserve the right to add or remove features, such as turning free services into paid services and vice versa. While you acknowledge that we reserve the right to discontinue, suspend, or alter our Services at any time without notice, we will notify you in a timely manner in the event of any significant changes.We reserve the right to immediately suspend or terminate your account if we find that you are using our services improperly. If this happens, you can get in touch with us at [email protected], and we’ll take into account any issues you raise about your account being suspended or closed.

If you have an account, you may close it at any time to terminate these Terms. Alternatively, you may stop using our Services. We will provide instructions on our services on how to terminate your account. We reserve the right to periodically update both these guidelines and the procedure by which we close accounts. If you would like to close your account, please follow the instructions on our services.

In the event that these Terms are terminated, the following Sections of these Terms and any accrued obligations will remain in effect: 1, 3, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, and 22.

Unsolicited Ideas and Feedback

We value your opinions, thoughts, and recommendations (collectively, “Suggestions”). Regarding your suggestions, it is important to be aware of the following limitations. If you submit any suggestions, you acknowledge and agree that: (1) we own your suggestions and you are not owed any payment in return; (2) none of the suggestions contain proprietary or confidential information belonging to any third party; (3) we are free to use or redistribute the suggestions for any reason; (4) we are not required to review your suggestions; and (5) we are not obligated to keep any suggestions secret.

Governing Law; Dispute Resolution

With the exception of the Federal Arbitration Act, which will regulate the interpretation and enforcement of the arbitration provisions below, these Terms and any dispute between you and us will be governed by the laws of the State of New York, USA, without regard to principles of conflicts of law that would lead to the application of the law of any other jurisdiction other than New York General Obligations Law 5-1401. If, as a result of your choice to opt out of the Arbitration Procedures (as defined below), as a result of an arbitrator’s or a court’s decision, Section 20 is found not to apply to you or to a specific claim or dispute, unless you and we agree otherwise Except that you or we may: (1) bring small claims actions in state court in the county in which you reside if such court has a small claims procedure; (2) bring claims for injunctive relief in any court having jurisdiction over the parties; or (3) seek enforcement of a judgment in any court having jurisdiction over the parties, you agree that any claim or dispute that has arisen or may arise between you and us must be resolved exclusively by a state or federal court located in New York, New York, USA. You and we both agree that in any court proceeding, we will forgo a jury trial to the extent allowed by law.

Agreement to Arbitrate; Waiver of Class Action

Miscellaneous

Without our permission, you are not permitted to assign or transfer in whole or in part any of your rights or obligations under these Terms to any other party. The parties hereto, as well as each of their successors, authorized transferees, and authorized assigns, shall be bound by and benefit from these terms. Neither you nor we are partners, joint venturers, agents, employees, or representatives of the other; rather, we are independent contractors. Such These Terms’ headings and captions are merely for convenience and should not be taken into account when reading, construing, or interpreting them. Should a portion of these conditions be determined to be illegal, null, or unenforceable, that portion will be considered severable and will not impact the legitimacy and enforceability of the remaining portions.

You agree that any disputes between you and us (whether or not they involve a third party) arising out of or relating to these Terms, our Services, or our Privacy Policy shall be finally resolved by arbitration before a single arbitrator conducted in the English language in New York, New York, U.S.A. under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”), unless you opt-out or for disputes relating to your or our intellectual property (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents), or for items (1) through (3) of Section 19.If neither of you can agree upon a single arbitrator within thirty (30) days of either party requesting arbitration, the AAA will choose the single arbitrator at that party’s request. Otherwise, you and we will designate a mutually agreeable individual as the sole arbitrator. The costs of the arbitration will be split equally between the parties, with the exception that the winning party will be entitled to an award of reasonable legal fees paid during the arbitration, up to a maximum amount that the arbitrator will decide. Every decision made by the arbitrator will be final, enforceable in any court with the necessary jurisdiction, and binding on both parties.In spite of this, a request for judicial acceptance of the award or enforcement order may be made to any court. The arbitrator shall not be permitted to grant remedies, damages, or awards that are inconsistent with these terms under any circumstances.

You or we may bring claims only in our individual capacities, not as plaintiffs or members of a class in any alleged class action or representative proceeding. For any claims covered by these Terms, neither you nor we will take part in a class action lawsuit or a class-wide arbitration. In any alleged class action or representative proceeding, you hereby assign up all rights to pursue claims relating to these Terms or our privacy policy as a plaintiff or class member. You are limited to bringing claims in your own name.

You have the option to reject this arbitration agreement. If you do this, neither you nor we will be able to make the other appear in an arbitration. You have thirty (30) days from the date you first became subject to this arbitration provision to notify us in writing if you would like to opt out. Include your name, address, phone number, and a clear statement that you wish to opt out of this Agreement to Arbitrate in the opt-out notice. It must also state that you do not agree to the terms of the arbitration agreement.For the opt-out notice to be effective, you must sign it. You may only choose not to enter into the Agreement to Arbitrate by following this process. To opt out, you must use this address:

ATTN: [email protected], You and we agree that, notwithstanding anything in these Terms to the contrary, any changes we make in the future to the Arbitration Procedures (apart from changing any notice address or Site link provided herein) will not affect claims made against us in court before the change takes effect. Furthermore, in the event that we wish to remove the Arbitration Procedures from these Terms, the removal will not take effect with respect to any claims that were made in a lawsuit against us before the effective date of removal, and will take effect thirty (30) days after the version of these Terms that does not contain the Arbitration Procedures is posted to the Site.This Arbitration section shall survive the termination of your relationship with us, in compliance with Section 17.In the event that a dispute arises under these terms, YOU AND WE ALL KNOWINGLY, VOLUNTARILY, AND WITHOUT DURESS, INTIMIDATION, OR COERCION, WAIVE ALL RIGHTS TO A TRIAL BY JURY.

Entire Agreement; Conflict with other Agreements

With the exception of any click-through or end user license agreement that we may provide, these Terms constitute the entire understanding between the parties with regard to the transactions and matters contemplated herein. They also supersede all prior oral and written communications, understandings, and agreements, and they cannot be changed unless both parties agree in writing or we post an updated version of the Terms on our website. If any provision of any other agreement between you and us conflicts with any provision of these Terms, these Terms will take precedence, unless such other agreement expressly states otherwise.

Minors

Only those who are at least eighteen years old and able to enter into legally binding contracts under the terms of the applicable legislation may use or access our services. Please email us at [email protected] if you are a parent or guardian and you find that your child has registered for an account on our services without authorization.

For Additional Information

Please email us at [email protected] if you have any questions regarding these Terms.