Last Updated August 28, 2022 CONTENTS 1. AGREEMENT TO TERMS 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. PROHIBITED ACTIVITIES 5. USER GENERATED CONTRIBUTION 6. CONTRIBUTION LICENSE 7. REVIEW GUIDELINES 8 SOCIAL MEDIA 9 .REPRESENTATIONS 10. WEBSITE AND THIRD-PARTY CONTENT 11. SITE MANAGEMENT 12. PRIVACY POLICY 13. TERM AND TERMINATION 14. MODIFICATIONS AND DISCONTINUANCE 15. DISPUTE RESOLUTION 16. CORRECTIONS 17. DISCLAIMER LIABILITY 18. LIMITATIONS OF LIABILITY 19. INDEMNIFICATION 20. USER DATA 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS AND SIGNATURES 22. USERS AND CALIFORNIA RESIDENTS 23. MISCELLANEOUS 24. CONTACT US 1. AGREEMENT TO THE TERMS These Terms of Use constitute a legally binding agreement between you, individually or by the name of the legal entity that you and we, in connection with your access to and use of the Website, and any other media form, media channel, mobile website or mobile application connected, connected or otherwise associated therewith (collectively, the "Site "). You agree that by accessing the Site you have read, understood and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND MUST DISCONTINUE USING THE SITE IMMEDIATELY. Additional terms and conditions or documents that may be posted on the Site from time to time are expressly incorporated herein by reference. We reserve the right, at our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will notify you of any changes by updating the "Last Updated" date of these Terms of Use, and you waive any right to receive specific notice of any such change. Please ensure that you check the applicable Terms each time you use our site to find out which Terms apply. You will be subject to, and will be deemed to have been notified of, and have accepted the changes to any revised Terms of Use by continuing to use the Site after the date such revised Terms of Use are posted. The information provided on the site is not intended for distribution or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to registration requirement within such jurisdiction or country. Accordingly, those individuals who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.The Site is not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions are subject to such laws, you may not use this site. You may not use the Site in a manner that would violate the Gramm-Leach-Bliley Act (GLBA). The site is intended for users who have reached the age of 18. Persons under the age of 18 may not use or register on the site. 2. INTELLECTUAL PROPERTY RIGHTS Unless otherwise stated, the Site and all source code, databases, functionality, software, website design, audio, video, text, photographs and graphics on the Site (collectively "Content") are our property ) and the trademarks, service marks and logos contained therein (the "Marks") are owned or controlled by us or licensed to us and are protected by copyright and trademark laws and various other intellectual property rights and laws of United States unfair competition, international copyright laws, and international conventions. The Content and Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, summarized, republished, uploaded, published, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed or otherwise used for any commercial purpose without our express prior written permission. Provided that you are entitled to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content that you have properly accessed solely for your personal, non-commercial intended use. We reserve all rights not expressly granted to you in the Site, Content and Marks. 3. USER REPRESENTATIONS By using the Site, you represent and warrant that: (1) you have legal capacity and agree to comply with these Terms of Use; (2) you are not a minor in the jurisdiction in which you reside; (3) you will not access the Site through automated or non-human means, whether by bot, script or otherwise; (4) you will not use the Site for any illegal or unauthorized purpose; and (5) your use of the Site will not violate any applicable law or regulation.If you provide any information that is false, inaccurate, out of date or incomplete, we have the right to suspend or terminate your account and refuse any current or future use of the Site (or any part thereof). 4. PROHIBITED ACTIVITIES You may not access or use the Site for any purpose other than that for which we provide the Site. The Site may not be used in connection with any commercial endeavors other than those specifically authorized or approved by us. As a user of the Site, you agree not to: systematically extract data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database or directory without our written permission. Fraud, deceive 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 Site, including features that prevent or restrict the use or copying of any Content or impose restrictions on the use of the Site and/or the Content contained therein Override , tarnish or otherwise harm, in our opinion, us and/or the Site. Use any information obtained from the site to harass, abuse or harm another person. Misuse our support services or submit false reports of abuse or misconduct. Use the Site in a manner that does not comply with applicable laws or regulations. Engage in unauthorized framing or linking to the Site. Upload or transmit (or attempt to upload or transmit) viruses, Trojan horses or other material, including excessive use of capital letters and spam (continuous posting of repetitive text), which prevents any party from using and uninterrupted enjoyment of the Site or modify, impair, disrupt, alter or interfere with the use, features, functions, operation or maintenance of the Site. Engage in any automated use of the System, such as using scripts to send comments or messages, or using any data mining tools, robots or similar tools to collect and extract data. Delete any copyright or other proprietary notices from any Content. Attempt to impersonate another user or person or use another user's username.Upload or transmit (or attempt to upload or transmit) any material that acts as a passive or active information gathering or transmission mechanism, including without limitation clear graphics exchange formats ("gifs"), 1 × 1 pixels, web bugs , cookies , or other similar devices (sometimes called "spyware" or "passive collection mechanisms" or "pcms"). Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site. Harass, annoy, intimidate or threaten any of our employees or agents engaged in providing any part of the Site to you. Attempt to circumvent any Site measures designed to prevent or restrict access to the Site or any part of the Site Copy or adapt the Site software, including but not limited to Flash, PHP, HTML, JavaScript or other code. Except as permitted by applicable law, decipher, decompile, disassemble or reverse engineer any software comprising or in any way constituting a part of the Site. Except as a result of using a standard search engine or Internet browser, use, run, develop or distribute any automated system, including without limitation any spider, robot, cheat utility, scraper or offline reader that accesses the Site, or using or running an unauthorized script or other software. Use a purchasing agent or purchasing agent to make purchases on the site. Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users electronically or otherwise for the purpose of sending unsolicited email or creating user accounts by automated means or under false pretenses. Use the Site as part of any effort to compete with us or otherwise use the Site and/or Content for any revenue-generating endeavor or commercial enterprise. 5. USER-GENERATED CONTRIBUTIONS The Site does not encourage users to submit or post content. We may provide you with the ability to create, submit, publish, display, transmit, perform, publish, distribute or broadcast content and materials to us or the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments , suggestions or personal information or other material (collectively, “Contributions”). Contributions may be viewed by other users of the Site and through third-party websites. As such, any Contribution you transmit may be treated in accordance with the Site's Privacy Policy.When you create or make available any Contributions, you hereby represent and warrant that: Creating, distributing, transmitting, publicly displaying or performing, and accessing, downloading or copying your Contributions does not and will not infringe the rights of property, including but not limited to copyright, patent, trademark, trade secret or moral rights of any third party. Creating, distributing, transmitting, publicly displaying or performing, and accessing, downloading or copying your Contributions does not and will not violate any proprietary rights, including but not limited to copyright, patent, trademark, trade secret or moral rights to any third party. You are the creator and owner of or have the necessary licenses, rights, consents, releases and permissions to use and authorize us, the Site and other users of the Site to use your Contributions in any manner provided by the Site and these Terms of Use . You have the written consent, release and/or permission of any identifiable individual in your Contributions to use the name or likeness of any such identifiable individual to permit the inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use. Your Submissions are not false, inaccurate or misleading. Your Contributions are not unsolicited or unauthorized advertisements, promotional materials, pyramid schemes, chain letters, spam, mass mailings or other forms of solicitation. Your Submissions are not obscene, indecent, lascivious, filthy, violent, harassing, libelous, defamatory or otherwise objectionable (as determined by us). Your submissions do not ridicule, mock, disparage, intimidate or abuse anyone. Your contributions are not used to harass or threaten (in the legal sense of those terms) another person and to promote violence against a particular person or class of people. Your Contributions do not violate any applicable law, regulation or rule. Your Contributions do not violate the privacy or publicity rights of any third party. Your Submissions do not violate any applicable laws regarding child pornography or otherwise intended to protect the health or welfare of minors. Your contributions do not include any offensive comments that are related to race, national origin, gender, sexual preference or physical disability. Your Contributions do not otherwise violate, or result in material that violates, any provision of these Terms of Use or any applicable law or regulation.Any use of the Site in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site. 6. CONTRIBUTION LICENSE You agree that we may access, store, process and use any information and personal data you provide in accordance with the terms of the Privacy Policy and your choices (including settings). By submitting suggestions or other feedback about the Site, you agree that we may use and share such feedback for any purpose without compensation to you. We do not claim ownership of your contributions. You retain full ownership of all of your Contributions and all intellectual property rights or other proprietary rights related to your Contributions. We are not responsible for any statements or representations in your Contributions made by you in any area of the Site. You are solely responsible for your Contributions to the Site and you expressly agree to hold us harmless and refrain from any legal action against us with respect to your Contributions. 7. FEEDBACK GUIDELINES We may provide areas on the Site for you to leave feedback or ratings. When posting a review, you must meet the following criteria: (1) you must have first-hand experience with the person/jurisdiction being reviewed; (2) your reviews must not contain offensive profanity or abusive, racist, abusive or hateful language; (3) your feedback must not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) your reviews must not contain references to illegal activity; (5) you must not be affiliated with competitors if you post negative reviews; (6) you must not draw any conclusions about the legality of the conduct; (7) you may not post false or misleading statements; and (8) you may not run a campaign encouraging others to post reviews, whether positive or negative. We may accept, reject or remove reviews at our discretion. We have absolutely no obligation to check reviews or delete reviews, even if someone finds the reviews to be objectionable or inaccurate. Reviews are not endorsed by us and do not necessarily represent our opinions or the views of any of our affiliates or partners. We are not responsible for any review or for any claims, liabilities or losses arising from any review.By posting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully paid-up, assignable and sub-licensable right and license to reproduce, modify, translate, transmit in any way, display, perform and/or distribute all content, related to reviews. 8. SOCIAL MEDIA As part of the functionality of the Site, you may link your account to online accounts you have with third party service providers (each such account, a “Third Party Account”) by: (1) providing your Information about logging into a third party Account through the Site; or (2) you allow us to access your third party account as permitted under the applicable terms and conditions governing your use of any third party account. You represent and warrant that you have the right to disclose your third-party account login information to us and/or provide us with access to your third-party account without violating any of the terms and conditions governing your use of your party to the applicable Third Party Account and without requiring us to pay any fees or imposing on us any usage restrictions imposed by the third party service provider on the Third Party Account. By providing us with access to any third-party accounts, you understand that (1) we may access, provide access to, and store (if applicable) any content you provide and store in your third-party account; parties ("Social Network Content") so that it is accessible on and through the Site through your account, including without limitation any friend lists, and (2) we may submit to and receive from your third party account additional information to the extent, in which you are notified when you link your account with the third-party account. Depending on the Third-Party Accounts you select, and subject to the privacy settings you have set in such Third-Party Accounts, the personally identifiable information you post on your Third-Party Accounts may be available in and through your account on the Site. Please note that if a Third Party Account or related service becomes unavailable, or our access to such Third Party Account is terminated by the third party service provider, then the Social Network Content may no longer be available on and through the Site. You will have the ability to disable the link between your account on the Site and your third-party accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS.We make no effort to review any Social Network Content for any purpose, including, but not limited to, accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a third party account and your contact list stored on your mobile device or tablet solely for the purpose of identifying and informing you about those contacts, who have also registered to use the site. You may disable the connection between the Site and your third-party account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such third party account, except for the username and profile picture associated with your account. 9. SUBMISSION You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Site (“Submissions”) provided by you to us are non-confidential and will become our exclusive property. We own exclusive rights, including all intellectual property rights, and are entitled to unrestricted use and distribution of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights in all such Submissions and hereby warrant that all such Submissions are original to you or that you have the right to submit such Submissions. You agree that there will be no recourse against us for alleged or actual infringement or misappropriation of any proprietary right in your Submissions. 10. WEBSITE AND THIRD PARTY CONTENT The Site may contain (or may be sent to you through the Site) links to other websites ("Third Party Websites"), as well as articles, pictures, text, graphics, photos, design, music , sound, video, information, applications, software and other content or items belonging to or originating from third parties ("Third Party Content"). Such third-party websites and third-party content are not researched, monitored or checked for accuracy, appropriateness or completeness by us, and we are not responsible for any third-party websites accessed through the site or third-party content posted of, accessed through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained on third-party websites or in third-party content.The inclusion of, linking to, or permitting the use or installation of third-party websites or any third-party content does not imply endorsement or approval by us. If you decide to leave the Site and access third-party websites or use or install third-party content, you do so at your own risk and should be aware that these Terms of Use no longer apply. You should review the applicable terms and conditions, including the privacy and data collection practices, of any website you navigate to from the Site or related to any applications you use or install from the Site. Any purchases you make through third party websites will be through other websites and from other companies and we accept no liability in relation to such purchases which are solely between you and the relevant third party. You agree and acknowledge that we do not endorse the products or services offered on third-party websites and will indemnify us against any harm caused by the purchase of such products or services. You must also indemnify us against any loss suffered by you or damage caused to you related to or arising in any way from third party content or contact with third party websites. 11. SITE MANAGEMENT We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including, without limitation, reporting such user to law enforcement; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically possible) any or all of your Contributions; (4) in our sole discretion and without limitation, notice or liability, remove from the Site or otherwise disable any files and content that are excessive in size or otherwise burdensome on our systems; and (5) otherwise operate the Site in a manner designed to protect our rights and property and to facilitate the proper operation of the Site. 12. TERM AND TERMINATION These Terms of Use remain in full force and effect while you use the Site.WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT, IN OUR DISCRETION AND WITHOUT NOTICE OR LIABILITY, TO DENY ACCESS TO AND USE OF THE SITE (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 AGREEMENT CONTAINED IN THESE TERMS OF USE OR OF APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OF OR PARTICIPATION IN THE SITE OR DELETE ANY CONTENT OR INFORMATION YOU POST AT ANY TIME, WITHOUT NOTICE, IN OUR 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 false or assumed name, or the name of any third party, even if you may be acting on behalf of a third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including, without limitation, pursuing civil, criminal and injunctive relief. 13. MODIFICATIONS AND DISCONTINUANCE We reserve the right to change, modify or remove the content of the site at any time or for any reason in our sole discretion without notice. However, we have no obligation to update information on our site. We also reserve the right to change or discontinue all or part of the Site without notice at any time. We shall not be liable to you or any third party for any modification, price change, suspension or discontinuance of the Site. We cannot guarantee that the site will be available at all times. We may experience hardware, software or other problems or the need to perform maintenance related to the Site, resulting in interruptions, delays or errors. We reserve the right to change, revise, update, suspend, discontinue or otherwise modify the Site at any time or for any reason without notice to you. You agree that we shall not be liable for any loss, damage or inconvenience caused by your inability to access or use the site during downtime or interruption of the site. Nothing in these Terms of Use shall be construed to obligate us to maintain and maintain the Site or to provide corrections, updates or releases in connection therewith.14. DISPUTE RESOLUTION To expedite the resolution and control the costs of any dispute, controversy or claim related to these Terms of Use (each a “Dispute” and collectively the “Disputes”) brought by either you or us (individually, “Party” ” and collectively the “Parties”), the parties agree to first attempt to settle any dispute (except those disputes expressly set forth below) informally for at least thirty (30) days prior to commencement of arbitration. Such informal negotiations shall commence upon written notice from one party to the other. Binding Arbitration Any dispute arising out of or in connection with this contract, including any question concerning its existence, validity or termination, shall be referred to and finally resolved by the Court of International Commercial Arbitration at the European Chamber of Arbitration (Belgium, Brussels, Avenue Louise, 146) under the Rules of this ICAC, which by reference to it is deemed to be part of this clause. Limitations The parties agree that any arbitration will be limited to the dispute between the parties individually. To the fullest extent permitted by law, (a) the arbitration may not be joined with any other proceeding; (b) has no right or authority to have any Dispute arbitrated on a class action basis or to use class action procedures; and (c) has no right or authority to bring a Dispute in a purported representative capacity on behalf of the general public or others. Exceptions to Informal Negotiations and Arbitration The parties agree that the following disputes are not subject to the foregoing provisions regarding informal negotiations and binding arbitration: (a) any dispute seeking to enforce or protect, or regarding the validity of, any of a party's intellectual property rights; ; (b) any dispute related to or arising out of claims 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 under that part of this provision that is found to be illegal or unenforceable, and such Dispute will 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 of such court. 15. CORRECTIONS There may be information on the Site that contains typographical errors, inaccuracies or omissions, including descriptions, prices, 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 site at any time without prior notice.18. LIMITATIONS OF LIABILITY IN NO EVENT SHALL WE OR OUR DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING INCIDENTAL LOST PROFIT, LOST INCOME, LOSS OF DATA OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 19. INDEMNIFICATION You agree to defend, indemnify and hold 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 incurred by any third party due to or arising out of: (1) use of the Site; (2) violation of these Terms of Use; (3) any breach of your representations and warranties set forth in these Terms of Use; (4) your violation of any third party's rights, including but not limited to intellectual property rights; or (5) any overtly harmful action against any other user of the site with whom you have contacted through the site. 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, in our defense of such claims. We will use reasonable efforts to notify you of any such claim, action or proceeding that is subject to this indemnity upon becoming aware of it. 20. USER DATA We will maintain certain data that you transmit to the site for the purpose of managing the performance of the site, as well as data related to your use of the site. Although we perform regular routine backups of data, you are solely responsible for any data that you transmit or that relates to any activity that you undertake using the site. You agree that we shall not be liable to you for any loss or corruption of any such data and you hereby waive any rights of action against us arising out of such loss or corruption of such data. 21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS AND SIGNATURES Visiting the Site, sending emails to us and completing online forms constitute electronic communications. You agree to receive electronic communications and agree that all agreements, notices, disclosures and other communications we provide to you electronically, via email and on the Site comply with all legal requirements that such communications be in writing.YOU HEREBY CONSENT TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS AND OTHER RECORDS, AND FOR THE ELECTRONIC DELIVERY OF MESSAGES, POLICIES AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR THROUGH THE SITE. You hereby waive any rights or requirements under laws, regulations, rules, orders or other laws in any jurisdiction that require an original signature or the delivery or retention of non-electronic records, or for payments or credit by any means other than electronic means. 22. CONSUMERS AND CALIFORNIA RESIDENTS If any complaint with us is not satisfactorily resolved, you may contact in writing the Complaint Assistance Unit of the Consumer Services Division of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834 or by phone at (800) 952-5210 or (916) 445-1254. 23. MISCELLANEOUS These Terms of Use and any policies or operating rules published by us on or in relation to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permitted by law. We may transfer some or all of our rights and obligations to others at any time. We shall not be liable for any loss, damage, delay or failure to act caused by a cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be illegal, void or unenforceable, that provision or part of the provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of the remaining provisions. No joint venture, partnership, employment or agency relationship is created between you and us as a result of these Terms of Use or your use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any defenses you may have based on the electronic form of these Terms of Use and the lack of signature by the parties thereto to enforce these Terms of Use. 24. CONTACT US To resolve a complaint in relation to the Site or to obtain further information about your use of the Site, please contact us. California 95834 or by phone at (800) 952-5210 or (916) 445-1254.23. MISCELLANEOUS These Terms of Use and any policies or operating rules published by us on or in relation to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permitted by law. We may transfer some or all of our rights and obligations to others at any time. We shall not be liable for any loss, damage, delay or failure to act caused by a cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be illegal, void or unenforceable, that provision or part of the provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of the remaining provisions. No joint venture, partnership, employment or agency relationship is created between you and us as a result of these Terms of Use or your use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any defenses you may have based on the electronic form of these Terms of Use and the lack of signature by the parties thereto to enforce these Terms of Use. 24. CONTACT US To resolve a complaint in relation to the Site or to obtain further information about your use of the Site, please contact us. California 95834 or by phone at (800) 952-5210 or (916) 445-1254. 23. MISCELLANEOUS These Terms of Use and any policies or operating rules published by us on or in relation to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permitted by law. We may transfer some or all of our rights and obligations to others at any time. We shall not be liable for any loss, damage, delay or failure to act caused by a cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be illegal, void or unenforceable, that provision or part of the provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of the remaining provisions.No joint venture, partnership, employment or agency relationship is created between you and us as a result of these Terms of Use or your use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any defenses you may have based on the electronic form of these Terms of Use and the lack of signature by the parties thereto to enforce these Terms of Use. 24. CONTACT US To resolve a complaint in relation to the Site or to obtain further information about your use of the Site, please contact us.