I. THE AGREEMENT

These Terms and Conditions constitute the agreement (the “Agreement”) TC Global Systems, Inc. (“us”, “our”, “we” or «GS») and the user (“you,” “your”, “user” or “Customer”) of GS’s residential and business communications services and any related products or services (“Service”). For purposes of the Agreement, “you” means the customer, defined as either (i) the person identified in our account records as responsible for payment of all charges; or (ii) any other person with actual or apparent authority to represent that person or to use the service(s). For purposes of the Agreement, “service web site” means our web-site, located at www.callsworld.com.

BY ENROLLING IN, USING, OR PAYING FOR THE SERVICE(S), YOU AGREE TO THE PRICES, CHARGES, TERMS AND CONDITIONS IN THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE PRICES, CHARGES, TERMS AND CONDITIONS, DO NOT USE THE SERVICES, AND CANCEL THE SERVICES IMMEDIATELY BY CONTACTING US AT THE ADDRESS ON YOUR EMAIL PURCHASE CONFIRMATION OR YOUR INVOICE FOR FURTHER INSTRUCTIONS.

You must provide us with a valid email address. If you close your email address or your email address changes, you must advise us immediately and provide us with new valid email address. You are liable for keeping your email address working. All notifications regarding to this agreement will be sent to last email address providing by you and will be considered as delivered immediately after sending.

The Agreement governs the Service and any devices, such the Analog Telephone Adapter (“ATA”) or any other IP connection device (“Device” or “Equipment”), used in conjunction with the Service. By activating the Service, you acknowledge that you have read and understood, and that you agree to, the terms and conditions of the Agreement, and you represent that you are of legal age to enter the Agreement and become bound by its terms.

We may change the Terms and Conditions of the Agreement from time to time. Notices will be considered given and effective on the date posted at www.callsworld.com (“service web site”). The Agreement posted there supersedes all previously agreed-to electronic and/or written Terms and Conditions.

The rates and charges for the Service, which may be found at the service web site, are effective as of the date noted in the header of this Agreement, and are subject to change. For the most current rates and charges, the most current version of the Agreement, or if you have questions about your Service, please visit our service website or call us at the number listed on the first page of your invoice. All copyrights and service marks are our exclusive property of unless otherwise specifically attributed otherwise.

 

II. SERVICE
  1. Term

Service is offered for a term that begins on the date you sign up for your Service (the “Activation Date”) and ends on the last day of that same calendar month. Subsequent terms of this Agreement automatically renew on a calendar monthly basis without further action by you unless you give us written notice of non-renewal at least five (5) days before the end of the month in which the notice is given. You are purchasing the Service for full monthly terms, meaning that if you terminate Service prior to the end of a monthly term, you will be responsible for the full month’s charges to the end of the then-current term plus any unbilled charges, all of which become immediately due and payable. Expiration of the term or termination of Service does not excuse you from paying all unpaid, accrued charges due in relation to this Agreement.

  1. Disconnect Fee

You may cancel the Service for any reason at any time. There is no Disconnect Fee on any of our Service Plans.

  1. Our Guarantee
  2. Guarantee for Pay-As-You-Go Plan. If you have to call our tech support more than two times in 6 months and the problem was caused by us, after the third tech support the customer will receive a 20% discount on the last payment for his Pay-As-You-Go-Plan. The customer can choose at that time if he/she would like to continue to use our services. If our bills ever show any amount (except for taxes, fees and/or other surcharges imposed by the laws of your state or country) that were not mentioned in the advertised plan you purchased, you will receive a 20% discount on the last payment for your Pay-As-You-Go-Plan. If you want to cancel your service at that time, a refund of the unused portion will be issued.

 

  1. Guarantee for Monthly Pricing Plans (when you purchase one of our advertised monthly pricing plans). If you have had 3 issues in 6 months that were caused by our company and would like to receive a discount for their inconvenience yet intends to continue to use our service, you will receive a 20% refund of their last monthly payment. For example, if you had paid $20 for September and had the 3rd issue on the 15th of September, we will refund of $4 and you can continue the next month.

Otherwise, if you had 3 issues in 6 month that were caused by our company and you want to cancel your service, a 100% refund of the last paid monthly fee of the plan will be issued. You can have said refund only for five or less different plans you purchased. You would also be allowed to use our services until the end of the month. For example, if $20 was paid on the 1st of September and then you decided to cancel services on the 14th of September, we would refund the $20 and you could still use our services until the end of September. If our bills ever show any amount (except for taxes, fees and/or other surcharges imposed by the laws of your state or country) that were not mentioned in the advertised plan you purchased, we will refund 100% of your last paid monthly fee of your plan. You can have said refund only for five or less different plans you purchased.

 

  1. If we provided you with any equipment said equipment should be returned to us prior you will be able to have any refund (except said equipment has been fully paid by you). All returned equipment must be in the original packaging with all the UPC or bar codes intact. All components, manuals and unused registration card(s) must be included. Equipment must be returned with a valid return authorization (“RA”) number obtained from our Customer Support. You are responsible for paying for return shipping of equipment.

 

d.This  guarantee will not be honored if you fail to meet all above requirements.

  1. Notice of Rate Changes

We may change the prices and charges for the Services from time to time. We may increase or decrease prices and rates without providing advance notice. Changes to any rates, charges, or terms or conditions in the Agreement will be published at our service web site and will be immediately incorporated by reference into this Agreement.

  1. Rounding Policy

For billing purposes, the length of each metered call is rounded up to the nearest whole minute. If the computed charge for a call includes a fraction of a cent, the fraction is rounded up to the nearest whole cent. If the computed charges for taxes and surcharges include a fraction of a cent, the fraction is rounded up to the nearest whole cent.

  1. Calls to International Mobile Telephones or International Special Services Numbers

When calling to many countries other than US and Canada, there is a wide variation in cost between calling landline numbers and mobile (cell phone) numbers. Calls to both international mobile (cell) phones and international special services numbers are charged a different (usually significantly higher) rate than calls to landline numbers in that same country. The rates you will be charged for such calls are set forth in your Rate Plan and are typically designated by a “mobile” or “special services” notation after the country name (e.g., France Mobile as opposed to France).

  1. Timing of Calls

Generally, timing of metered calls begins when the called party or an automated answering device (such as an answering machine, a PBX auto-attendant or a facsimile machine) answers the call, and ends when one of the parties disconnects from the call. However, some foreign carriers (with whom we must interconnect in order to terminate calls to foreign countries) designate a call as “answered” when the called party’s line rings or after a certain number of rings, and will charge us for a completed call. In these situations, we will charge you for these calls as if they were answered by the called party.

  1. Use of Service and Device by Customers Outside the United States and Canada

We provide the Service and Equipment to you for use of the Service within the United States and Canada, which may include placing calls to other countries. If you take or send the Equipment to a country other than the US or Canada or you use our Service in conjunction with a Softphone application running on a computer outside the US or Canada and the Service is used by you or another party from there, you/they do so at your/their own risk, including the risk that such activity violates local laws in the country where you/they do so. You are liable for any and all use of the Service and/or Device by any person making use of the Service or Device provided to you by us.

  1. Loss of Service Due to Power Failure

The Service does not function without power. Should there be an interruption in the power supply, the Service will not function until power is restored. A power failure or disruption may require you to reset or reconfigure equipment before using the Service.

  1. Copyright / Trademark / Unauthorized Usage of Device, Firmware or Software

The Service and Device and any firmware or software used to provide the Service or provided to you in conjunction with providing the Service, or embedded in the Device, and all Services, information, documents and materials on our service website(s) are protected by trademark, copyright or other intellectual property laws and international treaty provisions. All websites, corporate names, service marks, trademarks, trade names, logos and domain names (collectively “marks”) belonging to us are and shall remain our exclusive property, and nothing in this Agreement shall grant you the right or license to use such marks. You acknowledge that you are not given any license to use the firmware or software used to provide the Service or provided to you in conjunction with providing the Service, or embedded in the Device, other than a nontransferable, revocable license to use such firmware or software (without making any modification thereto) strictly in accordance with the terms and conditions of this Agreement, and that the

Device is exclusively for use in connection with the Service. If you decide to use the Service through an interface device not provided by us, which we reserve the right to prohibit in particular cases, you promise that you possess all required rights, including software and/or firmware licenses, to use that interface device with the Service and you will indemnify and hold us harmless against any and all liability arising out of your use of such interface device with the Service.

  1. Tampering with the Device

You agree not to change the electronic serial number or equipment identifier of the Device, or to perform a factory reset of the Device, without express permission from us. We reserve the right to terminate your Service immediately should you tamper with the Device, leaving you responsible for the full month’s charges to the end of the current term, including without limitation unbilled charges, plus any applicable disconnect fee, all of which immediately become due and payable.

  1. Theft of Service

You agree to notify us immediately, in writing, by electronic mail or by calling our customer support line, if the Device is stolen or if you become aware at any time that your Service is being stolen or fraudulently used. When you call or write, you must provide your account number and/or your VoIP phone number and a detailed description of the circumstances of the Device theft or fraudulent use of Service. Failure to do so in a timely manner may result in the termination of your Service and additional charges to you. You are liable for all use of the Service using a Device stolen from you and any and all stolen Service or fraudulent use of the Service.

  1. Service Distinctions

You acknowledge and understand that the Service is not a traditional telephone service. Important distinctions exist between traditional telephone services and this enhanced Service offering provided by us. The Service is subject to different regulatory treatment than traditional phone service. This treatment may limit or otherwise affect your rights of redress before regulatory agencies. In particular, you will not be able to call 911 using the Service.

  1. No receiving calls from the PSTN

You acknowledge and understand that the Service is not fully interconnected with the Public Switched Telephone Network (PSTN). You can originate calls to the PSTN using the Service, but you are not able to receive calls from the PSTN via this Service. Any identifiers you obtain from us are not PSTN telephone numbers.

  1. Collect Calls, Operator Services, 900 Calls, x11 Calls

We do not offer collect calls, 0+ or operator assisted call, or calls to 900 numbers via this Service. The Service does not support 311 or 511 services. You are not able to call 911 using the Service.

  1. Ownership and Risk of Loss

You will own the Device and bear all risk of loss of, theft of, casualty to or damage to the Device, from the time it is shipped to you until the time (if any) when it is returned to us in accordance with this Agreement. We offer a 180-day warranty against manufacturing defects on all Devices we offer and will replace any faulty equipment that is returned to us within that period of time. This warranty covers manufacturing defects only, and specifically does NOT cover damage that results during shipping, from misuse or abuse, or was caused by electrical surges or lightning strikes.

  1. Surcharges and Governmental Fees

In addition to surcharges that may be found in the applicable Service Plan, we may adjust the per minute rates or impose additional fees or charges in order to recover amounts it is required or permitted by governmental or quasi-governmental authorities to collect from others or pay to others in support of statutory or regulatory funds or programs (“Governmental Charges”).

  1. Taxes and Tax Exemption

All taxes, tax-like charges, and tax-related surcharges are referred to collectively as “Taxes”. We calculate and collect all such Taxes that we believe are mandated by federal, state and local laws to apply to VoIP services. You agree to pay all Taxes charged on your invoice. If you provide us with a duly authorized tax exemption certificate, we will exempt you as required by law, effective from the date we receive your certificate. If you are required by the laws of any foreign tax jurisdiction to withhold income or profit taxes from a payment, within 90 days of the withholding, you will

provide us with official tax certificates documenting remittance of the taxes. The tax certificates will be in a form sufficient to document qualification of the taxes for the foreign tax credit allowable against our U.S. corporate income tax, and will be accompanied by an English translation. Upon receipt of the tax certificate, we will issue you a credit for the amounts represented thereby.

 

III. RESTRICTIONS ON THE USE OF SERVICE

 

We offer our services subject to availability of facilities, limitations of service offerings, and the provisions

of this Agreement. Services provided by us under the Agreement will not be used: (1) For any unlawful purpose; (2) For

making telephone calls that use automatic dialing devices and terminate into electronic information services, pay-per-call services, or other domestic or international audiotext services; or (3) For international call-back offerings using uncompleted call signaling to any country, when that country has prohibited such an offering by statute or regulatory decision. We may (1) deny, for any lawful reason, your request for service, or (2) limit or allocate the facilities available to or utilized by any Service, if necessary, to manage our network in an efficient manner; meet reasonable service expectations; furnish service to existing and future customers based on forecasted customer requirements; or for any other lawful reason. We may, without notice (consistent with governing laws or regulations), block traffic to or from specific countries, country codes, cities, regions, local telephone exchanges (“NXX exchanges”), individual telephone numbers, groups or ranges of individual telephone numbers, or calls using certain customer authorization codes, whenever we deem it necessary to take such action to prevent (1) the unlawful use of service; (2) nonpayment for service; (3) the use of service in violation of this Agreement; or (4) network blockage or the degradation of service furnished to you or other customers.

 

IV. PAYMENT OBLIGATIONS
  1. Pre-paid base.

Service is offered on pre-paid bases. You agree to maintain positive account balance all the time in order to receive the Service(s). Accounts with negative balances may be suspended, terminated or be limited in service. Effective Account Balance is calculated as current account balance minus the amount reserved for all current call in progress. Reserved amount is calculated based on 2 hours of talk time for each call in progress. Effective Account Balance should be positive in order to place any call using the Service. When Effective Balance is negative the service will be limited including without limitation calls to new participants of a call campaign or a conference call or API requests will be terminated. You hereby release and agree to hold harmless us from and against any damages or liabilities of any kind related to such limitation of service when Effective Balance or Account Balance is negative. .

  1. Payments

We reserve the right to accept only certain Payment Methods. We reserve the right to reject any payment.

 

  1. Other payment conditions

If we change our rates, recurring monthly charges affected by such change will be assessed at the new rate for the full billing period during which the new recurring charge rate became effective.

You are responsible for payment of all charges for services furnished to you and anyone authorized by you to use your service. This responsibility is not changed by virtue of any use, misuse, or abuse of your service undertaken or caused by third parties. You must promptly notify us of any change in your invoicing address or, if applicable, in the credit card or bank account used for payment by e-mailing us at the address listed on your Welcome Email or your Invoice. If our billing system cannot bill for a service, feature, surcharge, tax or other charge element at the time of service provision, we will bill for that service, feature, surcharge, or other charge element as soon as we are capable of doing so. You acknowledge and agree that the Service is provided “as is.” Credit allowances for interruption of Service, including international calling services, will not be provided.

 

V. CANCELLATION OF SERVICE
  1. By You

You may cancel the Service for any reason at any time. You will not receive any refund except described in “Our Guarantee” section herein. Cancellation may take up to three business days, and you will be charged for any usage after you contacted us to cancel your Service.

If we provided you with any equipment said equipment should be returned to us immediately after you has canceled your services (except said equipment has been fully paid by you). All components, manuals and unused registration card(s) must be included. Equipment must be returned with a valid return authorization (“RA”) number obtained from our Customer Support. You are responsible for paying for return shipping of equipment. If you cancel your services during the first year of using them, all returned equipment must be in the original packaging with all the UPC or bar codes intact.

  1. By Us

We reserve the right to discontinue furnishing services, cancel your account, and/or block your access to our network, without incurring any liability, immediately and without notice if we deem that such action is necessary to prevent or to protect against fraud or to otherwise protect our personnel, agents, facilities, or services. Without limitation, we may take such actions if:

  1. You refuse to furnish information or furnish false information that (i) is essential for billing; or (ii) pertains to your creditworthiness, your past or current use of common carrier communications service, or your planned use of such service;
  2. You indicate that you will not comply with a request for security for the payment for services;
  3. Your service usage charges exceed established parameters based on your history of usage, which may indicate a likelihood of non-payment or possible fraud;
  4. You have been given written notice (including email notification) by us of any past due amount (which remains unpaid, in whole or in part) for any of our or an affiliated carrier’s service to which you either subscribe or had subscribed or used;
  5. You either refuse to pay when billed for service or indicate to us or an entity billing on our behalf that you do not intend to pay for service used by you;
  6. You use, or attempt to use, service with the intent to avoid the payment, either in whole or in part, of the charges for the service by (i) using or attempting to use service by rearranging, tampering with, or making connections to service in an unauthorized manner; or (ii) using tricks, schemes, false or invalid numbers, false credit devices, or other fraudulent means or devices;
  7. You act, or fail to act, in a manner that hinders or frustrates any investigation by us or others having legal authority to investigate your legal obligations;
  8. Your telephone equipment fails to pass back to us the appropriate signal to start and stop billing for a call;
  9. You were previously provided with notice of breach of contract, took corrective action, but thereafter engage in the same breach activity; or
  10. You act in a manner that is threatening, obscene, harassing, or abusive to our personnel.

 

VI. LIABILITY

 

We will not be liable for: (i) any failure of performance due to causes beyond our control, including, but not limited to, acts of God, fires, floods or other catastrophes; national emergencies, insurrections, riots or wars, strikes, lockouts, work stoppages or other labor difficulties; and any law, order, regulation or other action of any governing authority or agency thereof; or (ii) delayed installation of our facilities or commencement of service. With respect to any other factual allegation, legal claim, or dispute by you or by any others, for damages associated with the ordering (including the reservation of any specific number for use with a service), installation (including delays thereof), provision, termination, maintenance, repair, interruption, or restoration of any service or facilities offered by us, our liability, if any, will be limited as follows:

  1. With respect to the routing of calls by us to public safety answering points or municipal emergency service providers, our liability, if any, will be limited to the lesser of: (a) the actual monetary damages incurred and proved by you as the direct result of our action, or failure to act, in routing the call, or (b) the sum of $1,000.00.
  2. With respect to the provisioning of, or any error or omission in, data, information, or content furnished in connection with any service provided by us, our liability will be limited to the lesser of: (a) the amount of actual money damages proven by you to have been incurred as the proximate result of your reliance on such data, information, or content; or (b) $100.00.

IN NO EVENT WILL WE BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE LOSS OR DAMAGE OF ANY KIND, INCLUDING LOST PROFITS (WHETHER OR NOT WE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES) BY REASON OF ANY ACT OR OMISSION IN ITS PERFORMANCE UNDER THIS AGREEMENT. THIS SECTION SURVIVES TERMINATION OF THIS AGREEMENT.

We will be indemnified, defended, and held harmless by you against all claims of loss or damage arising from the use of service furnished by us, including:

  1. Allegations or claims for libel, slander, invasion of privacy, or infringement of copyright arising out of the material, data, information, or other content transmitted via our service; and
  2. All other allegations and claims arising out of any intentional act or omission by you or others authorized by you to use the service, in connection with any service provided by us.

ALL GUARANTEES WE OFFER ARE DESCRIBED IN THE SECTION “OUR GUARANTEE” OF THIS AGREEMENT. WE MAKE NO EXPRESS OR IMPLIED REPRESENTATIONS OR ANY OTHER WARRANTIES ABOUT OUR SERVICES AND DISCLAIM ANY IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE OR NONINFRINGEMENT. WE DO NOT AUTHORIZE ANYONE TO MAKE A WARRANTY ON OUR BEHALF AND YOU MAY NOT RELY ON ANY STATEMENT OF WARRANTY AS A WARRANTY BY US.

We will not be liable for any act or omission of any other company or companies furnishing a portion of the service, or from any act or omission of a third party, including those vendors participating in our offerings made to you, or for damages associated with service, or equipment that it does not furnish, or for damages that result from the operation of customer provided systems, equipment, facilities or services that are interconnected with our services.

 

VII. DISPUTE RESOLUTION

 

IT IS IMPORTANT THAT YOU READ THIS ENTIRE SECTION CAREFULLY. THIS SECTION

PROVIDES FOR RESOLUTION OF DISPUTES THROUGH FINAL AND BINDING ARBITRATION

BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY OR

THROUGH A CLASS ACTION.

  1. Binding Arbitration

The arbitration process established by this section is governed by the Federal Arbitration Act (“FAA”). Both you and we have the right to take any dispute that qualifies to small claims court rather than arbitration. All other disputes arising out of or related to this Agreement (whether based in contract, tort, statute, fraud, misrepresentation or any other legal or equitable theory) must be resolved by final and binding arbitration. This includes any dispute based on any product, service or advertising having a connection with this Agreement and any dispute not finally resolved by a small claims court. The arbitration will be conducted by one arbitrator using the procedures described by this Section. If any

portion of this Dispute Resolution Section is determined to be unenforceable, then the remainder shall be given full force and effect. The arbitration of any dispute involving $10,000 or less shall be conducted in accordance with the Consumer Arbitration Rules of the American Arbitration Association (“AAA”), as modified by this Agreement, which are in effect on the date a dispute is submitted to the AAA. The AAA’s Commercial Arbitration Rules and fee schedules will apply to any disputes in excess of $10,000. You have the right to be represented by counsel in arbitration. In conducting the arbitration and making any award, the arbitrator shall be bound by and strictly enforce the terms of this Agreement and may not limit, expand, or otherwise modify its terms. The arbitrator may not award punitive, exemplary or similar damages. The parties agree that an award of such damages will be void if issued.

NO DISPUTE MAY BE JOINED WITH ANOTHER LAWSUIT, OR IN AN ARBITRATION WITH A DISPUTE OF ANY OTHER PERSON, OR RESOLVED ON A CLASS-WIDE BASIS. THE ARBITRATOR MAY NOT AWARD DAMAGES THAT ARE NOT EXPRESSLY AUTHORIZED BY THIS AGREEMENT AND MAY NOT AWARD PUNITIVE DAMAGES OR ATTORNEYS’ FEES UNLESS SUCH DAMAGES ARE EXPRESSLY AUTHORIZED BY A STATUTE. YOU AND WE BOTH WAIVE ANY CLAIMS FOR AN AWARD OF DAMAGES THAT ARE EXCLUDED UNDER THIS AGREEMENT.

  1. Arbitration Information and Filing Procedures

Before you take a dispute to arbitration or to small claims court, you must first contact our Customer Care Department at the customer service number on your invoice for the Services, or write to us at the address on your invoice and give us an opportunity to resolve the dispute. You must describe your dispute and provide us with any supporting documentation. Likewise, if we have a dispute with you, we will notify you by email sent to your billing address and attempt to resolve it before pursuing arbitration. If the dispute cannot be satisfactorily resolved within sixty days from the date you or we are notified by the other of a dispute, then either party may then contact the AAA in writing at AAA Service Center nearest to you and request arbitration of the dispute. Information about the arbitration process and the AAA’s Arbitration Rules and its fees are available from the AAA on the Internet at www.adr.org. The arbitration will be based only on the written submissions of the parties and the documents submitted to the AAA relating to the dispute, unless either party requests that the arbitration be conducted using the AAA’s telephonic, on-line, or in-person procedures. Additional charges may apply for these procedures. Any in-person arbitration will be conducted at a location that the AAA selects in the state of your primary residence. Any arbitration shall remain confidential. Neither you nor we may disclose the existence, content or results of any arbitration or award, except as may be required by law, or to confirm and enforce an award. Judgment of the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

ANY CLAIM OR DISPUTE ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE BROUGHT WITHIN TWO YEARS AFTER THE DATE THE BASIS FOR THE CLAIM OR DISPUTE FIRST ARISES.

  1. Fees and Expenses of Arbitration

Each party must pay its own expenses associated with any arbitration, including its attorney’s fees. If you file a request for arbitration, you will have to pay a filing fee in accordance with the AAA fee schedule. Under AAA rules, some costs such as the arbitrator’s fees and expenses will be allocated between the parties. In addition to the procedures described in this Section for resolving a dispute, you may also have the right to file a complaint with an appropriate federal or state regulatory agency.

VIII. MISCELLANEOUS PROVISIONS
  1. Entire Agreement

These Terms and Conditions constitute the entire Agreement between you and we, and supersede any and all prior agreements, oral or written, concerning the subject matter. If there is any inconsistency or conflict between the terms of any calling plan, promotion, and/or authorized written communications you have received and the provisions of this Agreement, the provisions of this Agreement will control.

  1. No Obligation to Assist in Switching Carriers

If you either voluntarily cancel your account with us or if we cancel your service for any reason set forth above, we will have no obligation whatsoever to assist you in any respect in switching from us to another carrier.

  1. Assignment

You may not modify or assign this Agreement without our written permission. In our sole discretion, we may assign this Agreement.

  1. No Waiver of Rights

If either party fails to enforce any right or remedy under this Agreement, that does not waive the right or remedy for any other breach or failure.

  1. Binding Effect

This Agreement is binding upon you and us and upon, respectively, your and our agents and heirs.

  1. Severability

If any part or provision of this Agreement is finally determined to be invalid or unenforceable under applicable law by a court of competent jurisdiction, then that part or provision will be ineffective only to the extent of such invalidity or unenforceability, without in any way affecting the remaining parts or provisions of this Agreement.

  1. Governing Law

This Agreement is governed by and construed under the laws of the State of Florida and applicable federal law, without regard to its choice of law principles, except that the arbitration provisions shall be governed by the Federal Arbitration Act. This governing law provision applies no matter where you reside, or where you use or pay for the services.

  1. Survival

Any financial liability or obligation you have to us under this Agreement will survive cancellation or termination of this Agreement.

  1. Headings of No Force or Effect

Headings in this Agreement are for reference only and have no effect on the meaning of any provision.

  1. No Third Party Beneficiaries

No provision of this Agreement provides any person or entity not a party to this Agreement with any remedy, claim, liability, reimbursement, or cause of action or creates any other third party beneficiary rights.

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