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ACKNOWLEDGEMENT OF OUR LEGAL TERMS

We are referred to herein as "Company," "We," "Us," "Our." We provide a range of related products and services, collectively referred to as "Services." Our contact details are as follows: (email) and (mailing address).

These Legal Terms represent a legally enforceable agreement between you ("you"), whether acting personally or on behalf of an entity, and us, concerning your use of our Services. By accessing our Services, you acknowledge that you have read, comprehended, and agreed to adhere to these Legal Terms. If you do not concur with any part of these Legal Terms, your use of the Services is strictly prohibited and you must cease use immediately.

Any additional terms and conditions or documents that might be posted on the Services from time to time are explicitly incorporated into these Legal Terms by reference. We reserve the right to revise these Legal Terms at our sole discretion at any time and for any reason. We will inform you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive individual notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed about updates. By continuing to use the Services after any revised Legal Terms are posted, you acknowledge and accept the changes.

We advise you to print a copy of these Legal Terms for your records.

TABLE OF CONTENTS

  1. OUR SERVICES

  2. INTELLECTUAL PROPERTY RIGHTS

  3. USER REPRESENTATIONS

  4. PROHIBITED ACTIVITIES

  5. USER-GENERATED CONTRIBUTIONS

  6. CONTRIBUTION LICENSE

  7. SERVICES MANAGEMENT

  8. TERM AND TERMINATION

  9. MODIFICATIONS AND INTERRUPTIONS

  10. GOVERNING LAW

  11. DISPUTE RESOLUTION

  12. CORRECTIONS

  13. DISCLAIMER

  14. LIMITATIONS OF LIABILITY

  15. INDEMNIFICATION

  16. USER DATA

  17. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

  18. MISCELLANEOUS

  19. CONTACT US

  20. OUR SERVICES

The information provided while using the Services is not intended for distribution to or use by any individual or entity in any jurisdiction or country where such distribution or use would contravene any law or regulation or subject us to any registration requirement within such jurisdiction or country. Consequently, those who choose to access the Services from other locations do so on their own initiative and are solely responsible for complying with local laws, if and to the extent they are applicable.

  1. INTELLECTUAL PROPERTY RIGHTS

We either own or are licensed to use all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws in the United States and globally.

Subject to your adherence to these Legal Terms, including the "PROHIBITED ACTIVITIES" section, we grant you a non-exclusive, non-transferable, revocable license to: • Access the Services; and • Download or print a copy of any part of the Content to which you have legitimately gained access, strictly for your personal, non-commercial use or internal business purpose.

Unless specified in these Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission.

If you wish to use the Services, Content, or Marks in a manner not specified in these Legal Terms, please direct your request to: (Contact details). If we grant you permission to use any part of our Services or Content, you must credit us as the owners or licensors of the Services, Content, or Marks and ensure any copyright or proprietary notice is visible on posting, reproducing, or displaying our Content.

All rights not explicitly granted to you in relation to the Services, Content, and Marks are reserved by us. Any violation of these Intellectual Property Rights constitutes a material breach of our Legal Terms and will result in the immediate termination of your right to use our Services.

Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

You are responsible for what you post or upload: By sending us Submissions through any part of the Services you: • confirm that you have read and agree with our "PROHIBITED ACTIVITIES" and will not post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading, • to the extent permissible by applicable law, waive any and all moral rights to any such Submission; • warrant that any such Submission are original to you or that you have the necessary rights and licenses to submit such Submissions and that you have full authority to grant us the above-mentioned rights in relation to your Submissions: and • warrant and represent that your Submissions do not constitute confidential information. You are solely responsible for your Submissions and you expressly agree to reimburse us for any and all losses that we may suffer because of your breach of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.


3.  USER  REPRESENTATIONS

By using  the  Services.  you represent  and warrant  I hat (1) you  have  the  legal  capacity  and  you  agree  to comply  with  these  Legal  Terms.  (2)  you  are not a minor  in the jurisdiction   in which you  reside;  (3) you will not access  the Services  through  automated   or non-human   means.  whether  through  a bot,  script or otherwise;  (4) you will not use  the Services  for any  illegal  or unauthorized  purpose.  and  (5) your  use  of the Services  will not violate  any  appl1cable  law  or regulation.
If you provide  any information  that  is untrue.  inaccurate,  not current.  or incomplete,   we have the right  to suspend  or terminate  your account  and refuse  any and all current  or future use of the Services  (or any  portion  thereof).

4.  PROHIBITED ACTIVITIES

You may not access  or use the Services  for any purpose  other  than that for which we make the Services  available.  The Services  may not be used  in connection  with  any commercial endeavors  except those  that are specifically  endorsed  or approved  by us.

As  a user  or the Services.  you agree  not to:
• Systematically  retrieve  data  or other  content  from the Services  lo create  or compile,  directly or indirectly,  a collection,   compilation.  database.  or directory  without  written permission from us.
• Trick, defraud,  or mislead  us and other  users.  especially  in any attempt  to learn  sensitive  account  information  such as user passwords.
• Circumvent.  disable.  or otherwise  interfere  with security-related   features  of the Services.  Including   features  that prevent  or restrict  the use or copying  or any Content  or enforce limitations  on the use of the Services  and/or  the Content  contained  therein.
• Disparage,   tarnish.  or otherwise  harm.  In our  opinion.  us and/or  the Services
• Use any information  obtained  from the Services  in order  to harass.  abuse.  or harm  another  person.
• Make improper  use of our support  services  or submit false  reports  of abuse  or misconducl
• Use lhe  Services   In a manner  inconsistent   with any  applicable  laws or regulations.
• Engage  in unauthorized   framing  of or linking  to the Services.
• Upload  or transmit  (or attempt to upload  or to transmit)  viruses,  Trojan horses,  or other  material,  including  excessive  use of capital letters  and spamming  (continuous   posting  of repetitive  text). that interferes  with any party's  uninterrupted   use and enjoyment   or the Services or modifies.  Impairs,  disrupts.  alters,  or interferes  with  the use.  features,  functions. operation.  or maintenance  of the Services.
• Engage  In any  automated   use  of the  system.  such  as using  scripts  to send  comments  or messages,  or using  any  data  mining,  robots.  or similar data  gathering   and extraction  tools.
• Delete  the copyright  or other  proprietary  rights  notice  from any Content.
• Attempt to impersonate   another  user  or person  or use the username  of another  user.
• Upload or transmit  (or attempt  to upload  or to transmit)  any material  that acts as a passive  or active  information  collection  or transmission  mechanism,   including  without  limitation, clear graphics  interchange   formats ("gifs"),   1 xt pixels, web bugs,  cookies,  or other  similar devices  (sometimes   referred  to as "spyware"  or "passive  collection  mechanisms"   or "pcms'').
• Interfere with.  disrupt,  or create  an undue  burden  on the Services  or the networks  or services connected  to the Services.
• Harass.  annoy,  intimidate,  or threaten  any or our employees  or agents  engaged  in providing  any portion  or the Services  to you
• Attempt  to bypass  any measures  of the Services  designed  to prevent  or restrict  access  to the Services,  or any  portion  of the Services.
• Copy or adapt  the Services'  software.  including  but not 11mited  to Flash.  PHP.  HTML. JavaScript.  or other code.
• Except as permitted  by applicable   law,  decipher,  decompile,  disassemble,   or reverse  engineer   any of the software  comprising  or in any way  making  up a part of the Services.
• Except  as may be lhe  result  of standard   search  engine  or Internet  browser usage,  use,  launch,  develop,  or distribute  any automated   system,  including  without  limitation,  any spider, robot,  cheat  utility,  scraper. or amine  reader  that accesses  the Services.  or use  or launch  any unauthorized   script  or other software.
• Use a buying  agent  or purchasing  agent  to make purchases   on the Services.
• Make any unauthorized  use of the Services,  including  collecting   usernames   and/or  email addresses   of users  by electronic  or other  means  for the purpose   or sending  unsol1cited email.  or creating  user accounts  by automated  means  or under false pretenses
• Use the  Services  as part of any effort  to compete with us or otherwise  use the Services  and/or  the Content for any revenue-generating    endeavor  or commercial   enterprise.

5.  USER  GENERATED CONTRIBUTIONS

The Services  does  not offer  users  to submit  or post content.  We may provide  you with  the opportunity   to create,  submit,  post, display,  transmit,   perform,  publish.  distribute.   or broadcast content  and materials  to us or on the Services.  including  but not  11mited  to text, writings.  video.  audio,  photographs.  graphics.  comments.   suggestions.   or personal  information  or other material  (collectively,   "Contributions")    Contributions   may be viewable  by other  users  of the Services  and through  third-party   websites   When  you create  or make available  any Contributions,   you thereby  represent  and warrant  that

6.  CONTRIBUTION LICENSE

You and Services  agree  that we may access,  store, process.  and use any  information   and  personal  data  that you  provide  and your  choices   (including   settings)

By submitting   suggestions    or other feedback  regarding   the Services,  you agree that we can use and  share  such  feedback  for any purpose  without  compensation   to you.

We do not assert  any ownership   over your  Contributions.   You  retain full ownership  of all or your  Contributions   and any  intellectual   property   rights  or other proprietary  rights  associated with your  Contributions.   We are not liable  for any statements   or representations    in your  Contributions   provided  by you  in any area  on the  Services   You are solely  responsible  for your Contributions   to the Services  and  you  expressly  agree  to exonerate  us from any  and  all responsibility    and  to refrain from any  legal  action  against  us regarding   your  Contributions.

7.  SERVICES MANAGEMENT

We reserve  the  right.  but not the  obligation.   to: (1)  monitor  the Services  for violations  of these  Legal Terms;  (2) take appropriate  legal  action  against  anyone  who,  in our sole discretion. violates  the  law  or these  Legal  Terms,  including   without   limitation,   reporting   such  user  to law  enforcement  authorities;   (3) in  our  sole  discretion   and  without  11mitation.   refuse,  restrict access  to. limit the availability   of, or disable   (to the extent technologically   feasible)   any  of your  Contributions    or any portion  thereof:  (4)  in our sole discretion   and without limitation,    notice, or  liability,  to remove  from the  Services  or otherwise  disable  all files  and  content that are excessive  in size  or are in any way  burdensome   to our  systems.   and  (5} otherwise  manage  the Services  in a manner  designed   to protect  our rights and property  and to facilitate the proper  functioning  of the Services.

8.  TERM AND TERMINATION

These  Legal  Terms shall remain  in full force and effect while you  use the Services.   WITHOUT  LIMITING  ANY  OTHER  PROVISION   OF THESE  LEGAL  TERMS,  WE RESERVE  THE RIGHT TO,  IN  OUR SOLE  DISCRETION  AND WITHOUT  NOTICE  OR LIABILITY,  DENY ACCESS  TO AND USE OF THE SERVICES   (INCLUDING   BLOCKING  CERTAIN   IP ADDRESSES),   TO ANY PERSON FOR ANY REASON OR FOR NO REASON,  INCLUDING WITHOUT  LIMITATION  FOR  BREACH  OF ANY REPRESENTATION,   WARRANTY, OR COVENANT  CONTAINED  IN THESE LEGAL  TERMS  OR OF ANY APPLICABLE  LAW OR REGULATION.  WE MAY TERMINATE  YOUR  USE OR PARTICIPATION   IN THE SERVICES  OR DELETE  ANY CONTENT  OR INFORMATION  THAT YOU  POSTED  AT ANY TIME, WITHOUT  WARNING,  IN OUR SOLE  DISCRETION

If we terminate  or suspend  your account  for any  reason.   you  are  prohibited  from registering  and  creating   a new account   under  your  name.  a fake  or borrowed  name,  or the name  of any third party,  even  if you  may be acting on behalf  of the third party.  In  addition  to terminating   or suspending    your  account.  we reserve  the right  to take appropriate  legal  action,  Including without  llmitation  pursuing  civil.  criminal,  and Injunctive  redress.

9.  MODIFICATIONS AND INTERRUPTIONS

We reserve  the right  to change.  modify,  or remove  the contents  of the Services  at any  time  or for any reason  at our sole  discretion  without notice.  However. we have  no obligation   to update  any Information  on our Services.   We will not be 11able  to you  or any third  party  for any modification.  price change,  suspension,   or discontinuance   of the Services.

We cannot  guarantee  the Services will be available  at all times.  We  may experience   hardware.  software.  or other problems  or need to perform  maintenance  related  to the  Services, resulting  in interruptions.  delays,   or errors.  We reserve  the right  to change,  revise,  update,  suspend,  discontinue,  or otherwise  modify  the Services  at any  time  or for any reason  without notice  to you.  You agree  that we have no liability whatsoever  for any loss. damage,  or inconvenience   caused  by your  inability  to access  or use  the Services  during  any downtime  or discontinuance  or the Services.  Nothing  in these  Legal  Terms will be construed  to obligate  us to maintain  and support  the Services  or to supply  any corrections.  updates.  or releases  in connection  therewith

10.  GOVERNING LAW

These  Legal Terms shall be governed  by and defined  following  the laws  of                       .                                                and yourself  irrevocably  consent  that the courts  of                     shall have exclusive jurisdiction   to resolve  any  dispute which  may  arise  fn connection  with  these  Legal Terms.

11.  DISPUTE RESOLUTION

Informal Negotiations

To expedite  resolution   and  control  the cost of any dispute,  controversy.   or claim related  to these  Legal  Terms (each  a "Dispute"   and collectively,  the "Disputes")  brought  by either  you  or
us (individually,   a "Party"  and collectively,   the "Parties").  the Parties  agree  to first attempt to negotiate  any Dispute  (except  those Disputes  expressly  provided  below) informally  for at least days  before  Initiating   arbitration.  Such  informal  negotiations   commence  upon written  notice  from one Party  to the other  Party.

Binding Arbitration

Any dispute  arising  out of or in connection  with these  Legal  Terms,  Including  any question   regarding   its existence.  validity,  or termination,   shall  be referred  to and finally  resolved  by the International   Commercial  Arbitration   Court  under  the European  Arbitration  Chamber  (Belgium.   Brussels,  Avenue  Louise.  146) according   to the Rules  of this  ICAC.  which.  as a result  of referring  to ii,  is  considered   as the part of this clause.  The number  of arbitrators  shall be                       .  The seat. or legal  place,  or arbitration  shall  be                         . The language   of the proceedings   shall  be                        . The governing   law of these  Legal  Terms shall  be substantive   law of              _

Restrictions

The Parties  agree  that any arbitration  shall be limited to the Dispute  between  the Parties  individually.   To the full extent  permitted   by law. (a)  no arbitration  shall be joined with any other proceeding;  (b) there  is no right or authority  for any Dispute  to be arbitrated  on a class-action   basis  or to utilize class  action  procedures:   and (c) there  Is no right  or authority  for any Dispute  to be brought  in  a purported   representative    capacity  on behalf  of the general  public or any other  persons

Exceptions  to Informal Negotiations and Arbitration

The Parties  agree  that the following  Disputes  are not subject to the above  provisions  concerning   informal  negotiations   binding  arbitration:  (a) any Disputes  seeking  to enforce  or protect, or concerning   lhe validity  of. any of the intellectual  property  rights of a Party:  (b) any Dispute  related  to, or arising  from,  allegations  of theft,  piracy, invasion  of privacy,  or unauthorized use;  and (c) any claim  for injunctive  relief If this provision  is found to be Illegal  or unenforceable,  then neither  Party will elect  to arbitrate  any Dispute   falling within that portion  of this
provision  round to be illegal  or unenforceable  and such  Dispute shall be decided  by a court  of competent  jurisdiction   within  the courts  listed for jurisdiction   above.  and the Parties  agree  to submit  to the personal  jurisdiction   or that court.

12.  CORRECTIONS

There may be information  on the Services  that contains  typographical   errors.  inaccuracies,   or omissions.   including   descriptions.   pricing,  availability,  and various  other  information   We reserve  the right  to correct  any errors,  Inaccuracies,   or omissions  and to change  or update  the information  on the Services  at any  lime. without  prior  notice.

13.  DISCLAIMER

THE SERVICES  ARE  PROVIDED   ON AN AS-IS AND AS-AVAILABLE  BASIS.  YOU AGREE  THAT  YOUR USE OF THE SERVICES  WILL  BE AT YOUR SOLE RISK.  TO THE FULLEST EXTENT PERMITTED   BY LAW, WE DISCLAIM  ALL WARRANTIES,  EXPRESS  OR IMPLIED,   IN  CONNECTION  WITH  THE SERVICES  AND  YOUR  USE  THEREOF,  INCLUDING,   WITHOUT LIMITATION.  THE IMPLIED  WARRANTIES  OF MERCHANTABILITY.   FITNESS  FOR A PARTICULAR   PURPOSE,  AND NON-INFRINGEMENT.   WE MAKE  NO WARRANTIES   OR REPRESENTATIONS   ABOUT  THE ACCURACY  OR COMPLETENESS  OF THE SERVICES'   CONTENT  OR THE CONTENT  OF ANY WEBSITES  OR MOBILE APPLICATIONS  LINKED TO THE SERVICES  AND WE WILL ASSUME  NO LIABILITY  OR RESPONSIBILITY   FOR ANY (1)  ERRORS,  MISTAKES,   OR INACCURACIES  OF CONTENT  AND MATERIALS,  (2) PERSONAL INJURY  OR PROPERTY  DAMAGE,  OF ANY NATURE WHATSOEVER,  RESULTING  FROM  YOUR ACCESS  TO AND USE OF THE SERVICES,  (3) ANY UNAUTHORIZED   ACCESS  TO OR USE OF OUR  SECURE   SERVERS  AND/OR  ANY AND ALL PERSONAL  INFORMATION  AND/OR  FINANCIAL  INFORMATION  STORED   THEREIN,  (4) ANY INTERRUPTION   OR CESSATION OF TRANSMISSION   TO OR FROM THE SERVICES.   (5) ANY  BUGS.  VIRUSES.  TROJAN  HORSES.  OR THE  LIKE WHICH  MAY BE TRANSMITTED   TO OR THROUGH  THE  SERVICES   BY ANY THIRD PARTY, AND/OR  (6)ANY  ERRORS  OR OMISSIONS   INANY  CONTENT  AND MATERIALS  OR FOR ANY LOSS  OR DAMAGE  OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT  POSTED,  TRANSMITTED,   OR OTHERWISE  MADE AVAILABLE VIA THE SERVICES.   WE DO NOT  WARRANT, ENDORSE,   GUARANTEE.   OR ASSUME RESPONSIBILITY    FOR  ANY  PRODUCT   OR SERVICE  ADVERTISED   OR OFFERED   BY A THIRD  PARTY  THROUGH  THE SERVICES.   ANY HYPERLINKED   WEBSITE.  OR ANY WEBSITE OR MOBILE  APPLICATION   FEATURED   IN ANY BANNER OR OTHER ADVERTISING.   AND WE WILL  NOT  BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE  FOR  MONITORING  ANY TRANSACTION  BETWEEN YOU AND ANY THIRD-PARTY  PROVIDERS  OF PRODUCTS  OR SERVICES.   AS WITH THE PURCHASE  OF A PRODUCT  OR SERVICE   THROUGH  ANY MEDIUM  OR IN ANY  ENVIRONMENT,   YOU SHOULD  USE YOUR  BEST JUDGMENT  AND EXERCISE  CAUTION  WHERE  APPROPRIATE.

14.  LIMITATIONS OF LIABILITY

IN NO EVENT  WILL WE OR OUR DIRECTORS,   EMPLOYEES,   OR AGENTS  BE LIABLE  TO YOU  OR ANY THIRD  PARTY  FOR ANY DIRECT,  INDIRECT,  CONSEQUENTIAL,   EXEMPLARY, INCIDENTAL,   SPECIAL,  OR PUNITIVE  DAMAGES,   INCLUDING  LOST  PROFIT, LOST  REVENUE,  LOSS  OF DATA, OR OTHER  DAMAGES  ARISING   FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED  OF THE POSSIBILITY  OF SUCH DAMAGES    NOTWITHSTANDING   ANYTHING  TO THE  CONTRARY   CONTAINED  HEREIN,  OUR LIABILITY  TO YOU FOR ANY CAUSE WHATSOEVER   AND REGARDLESS   OF THE FORM  OF THE ACTION.  WILL AT ALL TIMES  BE LIMITED TO  THE LESSER  OF THE AMOUNT  PAID,  IF ANY, BY YOU TO US OR.   CERTAIN US STATE LAWS AND INTERNATIONAL   LAWS DO NOT ALLOW  LIMITATIONS  ON IMPLIED  WARRANTIES  OR THE EXCLUSION   OR LIMITATION OF CERTAIN DAMAGES.   IF  THESE  LAWS APPLY  TO YOU. SOME  OR ALL OF THE ABOVE  DISCLAIMERS  OR LIMITATIONS  MAY NOT APPLY  TO YOU, AND  YOU MAY HAVE ADDITIONAL   RIGHTS.

15.  INDEMNIFICATION

You agree  to defend,  indemnify,  and  held  us harmless.  including  our  subsidiaries.   affiliates,   and all of our  respective  officers.  agents,  partners.  and employees.   from and against  any loss. damage.  liability,  claim,  or demand,  including   reasonable   attorneys'  fees and expenses.  made  by any third  party due  to or arising  out of: (1)  use of the Services;  (2) breach  of these  Legal Terms:  (3) any breach  of your representations   and warranties  set forth in these  Legal  Terms:  (4) your  violation   of the rights of a third party.  including  but not  11mited  to intellectual  property rights:  or (5) any overt  harmful  act toward  any other  user of the Services  with whom you connected  via the Services. Notwithstanding    the foregoing,  we reserve  the right,  at your expense. to assume  the exclusive  defense  and control  of any matter for which  you are required   to Indemnify  us and you  agree  to cooperate,  at your expense. with our defense  of such claims.  We will use  reasonable   efforts  to notify you of any such  claim. action.  or proceeding   which  is subject  to this indemnification   upon  becoming  aware  of It.

16.  USER  DATA

We will maintain  certain  data that you transmit  to the Services  for the purpose  of managing  the performance   of the Services,  as well as data  relating  to your use  of the Services. Although we perform  regular  routine  backups  of data,  you  are solely  responsible  for all data that you transmit  or that relates  to any activity  you have  undertaken   using  the Services.  You agree  that we shall have  no liability  to you for any  loss  or corruption   of any such data.  and you  hereby  waive  any right  of action  against  us arising  from any such  loss  or corruption  of such data.

17.  ELECTRONIC COMMUNICATIONS,  TRANSACTIONS,  AND SIGNATURES

Visiting the Services.  sending   us emails,  and completing   one  forms  constitute   electronic  communications.  You consent  to receive  electronic   communications.   and you  agree  that all agreements.   notices.  disclosures,   and other  communications   we provide  to you  electronically,   via email and on the Services. satisfy  any legal  requirement  that such  communication   be in writing.  YOU  HEREBY  AGREE  TO  THE USE OF ELECTRONIC   SIGNATURES,   CONTRACTS,   ORDERS,  AND OTHER  RECORDS,  AND  TO  ELECTRONIC   DELIVERY   OF NOTICES, POLICIES,  AND RECORDS   OF TRANSACTIONS   INITIATED  OR COMPLETED   BY US OR VIA THE SERVICES.  You hereby  waive  any rights  or requirements   under  any statutes,
regulations,   rules,  ordinances,  or other laws  in any jurisdiction  which  require  an original  signature  or delivery  or retention  of non-electronic   records,  or to payments   or the granting  of credits  by any means  other  than electronic  means.

18.  MISCELLANEOUS

These  Legal  Terms  and  any  policies  or operating  rules posted by us on the  Services  or in respect  to the Services  constitute   the entire  agreement   and  understanding    between  you  and us.  Our failure  to exercise  or enforce  any right  or provision   of these Legal Terms shall not operate   as a waiver  of such right  or provision   These  Legal  Terms operate  to the fullest  extent permissible  by law We may assign  any or all of our rights and obligations  to others  at any time.  We shall  not be responsible   or 11able  for any loss. damage.  delay,  or failure to act caused by any cause  beyond  our reasonable   control.  If any provision  or part of a provision  of these  Legal  Terms is determined  to be unlawful,  void,  or unenforceable,   that provision  or part of the provision  is deemed  severable   from these  Legal  terms and does not affect  the validity  and enforceability   of any remaining  provisions.  There  is no joint venture.  partnership.  employment
or agency  relationship   created  between  you and us as a result of these  Legal  Terms or use of the Services.  You agree  that these Legal  Terms will not be construed   against  us by virtue  of
having  drafted  them.  You hereby  waive  any and all defenses  you  may have  based  on the electronic form of these  Legal  Terms and the lack or signing  by the parties  hereto  to execute these  Legal Terms.

19.  CONTACT US

In order to resolve  a complaint  regarding   the Services  or to receive  further information  regarding  use or the Services,  please  contact us at This email address is being protected from spambots. You need JavaScript enabled to view it.