Terms of Service

Terms of Service and Disclaimers

 

  1. Introduction

PLEASE READ THIS AGREEMENT CAREFULLY AS IT CONTAINS IMPORTANT INFORMATION REGARDING YOUR RIGHTS, RESPONSIBILITIES, OBLIGATIONS, AND LEGAL REMEDIES INCLUDING LIMITATIONS AND EXCLUSIONS, AND A DISPUTE RESOLUTION CLAUSE THAT GOVERNS HOW DISPUTES WILL BE RESOLVED.
The following Terms of Service and Conditions of Use (the “Agreement”) govern your use of the website, Aw Snap! Guides, (the “Site”), which is owned and operated by Schwarz and Co. (“Company,” “we” or “us”) and also incorporates the Company’s Private Policy. This Agreement documents the legally binding terms and conditions attached to the use of the Site at awsnapguides.com.

By using or accessing the Site in any way (including automated access), viewing or browsing the Site, or adding your own content to the Site, you (“User”, “you”) agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, Privacy Policy and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Company, wherever you as a User may be located. These Terms apply to you regardless of whether you are a visitor or a registered user and by accessing the Site, you are representing to Company that you are at least thirteen years of age. If you do not accept this Agreement, or do not agree to be bound by all the terms, you must discontinue use of the Site immediately. If you are accepting these terms on behalf of another person or Company or other legal entity, you represent and warrant that you have full authority to act for and to bind that person, Company or legal entity to these terms.

 

We reserve the right to modify these Terms of Service or to impose new conditions on use of the Site, from time to time, in which case we will post the revised Terms of Service on this website, and update the date of modification. It is assumed that by continuing to use the Site after we post any such changes, you accept the modified Terms of Service.

 

  1. Intellectual Property Rights/Licenses

 

  • Rights

 

This Site and all of its content are the sole property of Schwarz & Co. and are as such, fully protected by the appropriate copyright and intellectual property laws. You agree that you do not have any right or claim to any intellectual property or derivative work in any intellectual property legislation in any applicable jurisdiction. By interacting with the Site you agree to provide Company with a limited license for the use of any information or content you provide. You agree that all materials remain the sole property of Company, and agree to use any materials provided pursuant to this agreement.

 

  • Company’s Limited License to the User

 

You understand and agree that your use of this Site is limited and non-exclusive as a revocable licensee. Company may terminate any license to use this Site, and access to the Site, for any reason, and without giving the User notice. This Site and all the materials available on the Site are the property of Company, and/or any affiliates or licensors or Company, and are protected by copyright, trademark, and other intellectual property laws. The Site is provided solely for the User’s personal noncommercial use, and the Site or the materials available on the Site may not be used in a manner that constitutes an infringement of the Company’s rights or that has not been authorized by Company or this Agreement. Unless explicitly authorized in these Terms of Service or by the owner of the materials, User may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. User may not attempt to decompile or reverse engineer any software contained on the Site, remove any copyright or other proprietary notations from the materials, or transfer the materials to another person, or “mirror” the materials on any other server.

 

  • User’s License to Company

 

Any information, creative works, ideas, testimonials, suggestions, concepts, methods, systems, designs, plans, techniques or other materials submitted that you send to Company or post on or through the Site, Apps or Social Media (including, for example items that you submit or post on our Facebook page, our message boards, in survey responses, on our blogs, or send to us by e-mail) (“Submitted Materials”) shall be deemed not to be confidential or secret, and may be used by us in any manner consistent with our Privacy Policy. By submitting or sending Submitted Materials to us or posting it on or through the Site, Apps or Social Media, you represent and warrant that the Submitted Materials are original to you, that no other party has any rights thereto, and that any “moral rights” in Submitted Materials have been waived. We are not responsible for maintaining any Submitted Material that you provide to us, and we may delete or destroy any such Submitted Material at any time and for any reason and without advance notice.

As such, by submitting or posting any material, you are granting Company, and anyone authorized by Company, a no-charge, royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license and assignment, to use, copy, modify, display, delete, transmit, sell, exploit, reproduce, store, create derivative works from, distribute, and/or publicly perform these submissions, in whole or in part, in any manner or medium, now known or hereafter developed, for any purpose, and without notice. The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark or patent laws under any relevant jurisdiction. Also, in connection with the exercise of such rights, you grant Company, and anyone authorized by Company, the right to identify you as the author of any of your postings or submissions by name, email address or screen name, as we deem appropriate, and to be unrestricted in any way.

 

  • Contributions, Submission, Display of Postings

 

You acknowledge that Company has the right but not the obligation to use and display any postings or contributions of any kind and that Company may elect to cease the use and display of any such materials (or any portion thereof), at any time for any reason whatsoever.

 

  • Limitations on Linking and Framing.

 

You may establish a hypertext link to the Site so long as the link does not state or imply any sponsorship of your site by Company or by the Site. However, you may not, without Company’s prior written permission, frame or inline link any of the content of the Site, or incorporate into another website or other service any of our material, content or intellectual property.

 

  1. Third Party Sites, Sharing, API, and Linked Services

 

  • Third Party Sites

 

The Site or Services may provide links to other web sites not controlled by Company, and maintained by third parties (“Third Party Websites or Sites”), as well as content such as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software and other content or items belonging to or originating from persons or organizations other than Company (the “Third Party Content”). You acknowledge that Company is not responsible or liable for any Third Party Websites or any Third Party Content, information or products made available at any Third Party Website, regardless of whether Third Party Websites provide the option for users to apply Company licenses to Content hosted on those sites, or whether any Third Party Website or Third Party Content bears a Company license. You further acknowledge that Company (a) is not responsible or liable for any Third Party Websites or any Third Party Content, information or products made available at any Third Party Website; (b) has not reviewed any Third Party Websites or Third Party Content for accuracy, appropriateness, completeness or non infringement; (c) has not sponsored or otherwise endorsed Third Party Websites or Third Party Content; and (d) makes no representations or warranties whatsoever about any Third Party Websites or Third Party Content. If you decide to leave the Site and access the Third Party Websites or to use or install any Third Party Content, or applications, you do so at your own risk and you should be aware that Company’s terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site or relating to any applications you use or install from the Site.

 

3.2    Sharing, API, and Link Services

We may offer a feature whereby users can connect with the Site via an API, or other authorized application, and/or share with others or post to their member profiles, videos, articles, and other information of other authorized Third Party Websites’ content or information. Information that you provide to Site may be shared with the Third Party Website, and information that you have provided to the Third Party Website may be shared with Site. You agree and acknowledge that your use of this service and all links will fully comply with the user conduct set forth in this Agreement as well as any terms and conditions of use on the site or location where you place the link or content. You agree and acknowledge that in doing so Company cannot control or dictate the actions of the other Third Party Website. Company will not be responsible for any infringement or misuse, and makes no warranties, express or implied, as to the Third Party Websites. You agree to hold Company harmless, indemnify, and defend it, its subsidiaries, and each of their directors, officers, employees, agents, partners, or others for any loss, liability, claim, demand, damages, costs and expenses, including reasonable legal fees, arising out of the share and link service, or for other content that may be shared or posted through such link, or any breach or alleged breach of the foregoing representations and warranties.

THE SITE, APPS AND SOCIAL MEDIA ARE PROVIDED “AS IS,” “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE AND ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, PLAYABILITY, DISPLAYABILITY, ACCURACY, PRECISION, CORRECTNESS, THOROUGHNESS, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION. WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SITE, APPS OR SOCIAL MEDIA WILL BE SECURE, PROVIDED UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED.

NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR THROUGH THE SITE, APPS OR SOCIAL MEDIA SHALL CREATE ANY WARRANTY. WE ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, APPS OR SOCIAL MEDIA OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO CONTENT, OR AUDIO CONTENT FROM THEM. IF YOU ARE DISSATISFIED WITH THE SITE, APPS OR SOCIAL MEDIA, YOUR SOLE REMEDY IS TO DISCONTINUE YOUR USE.

 

  1. Community

 

Only persons who are over the age of majority in their jurisdiction (which typically is 18, but may be different in your jurisdiction) and fully competent to enter into the terms, conditions, obligations, affirmations, representations and warranties set forth in the Terms and to abide by and comply with the Terms may register for an account and use the related Services; provided, however, that if you are under the age of majority in your jurisdiction but over 13 years of age, you may join with the express permission of your parent or legal guardian. Any registration by, use of or access to the Services provided to Registered Users (defined below) by anyone (1) under the age of 13 or (2) under the age of majority in their jurisdiction but without parental or guardian permission, is unauthorized, unlicensed and a violation of these Terms. By registering for an account on any of Company’s Sites or using the related Services, you represent and warrant that you (1) are the age of majority in your jurisdiction or, (2) are over the age of 13 and have the express permission of a legal guardian to become a Registered User and use Services made available to Registered Users, and you further agree to abide by all of the Terms and Conditions and any applicable Additional Terms.

Services offered to Registered Users are provided subject to these Terms and any Additional Terms specified on the relevant Website. Company reserves the right to modify or discontinue the accounts of Registered Users and related Services at any time. Company disclaims any and all liability to Registered Users and third parties in the event Company exercises its right to modify or discontinue user accounts or related Services.

  • Registration; Security

You agree to (a) provide accurate, current and complete information about you, if and as may be prompted by the registration process on this Site or any of the Company’s Websites, (b) maintain the security of your password(s) and identification, (c) maintain and promptly update your registration information and any other information you provide to Company and to keep it accurate and complete to, among other things, allow us to contact you, and (d) be fully responsible for all use of your account and for any actions that take place using your account. It is your responsibility to ensure that Company has up-to-date contact information for you. You may not set up an account or membership on behalf of another individual or entity unless you are authorized to do so.

 

 

  1. Termination

 

These Terms and Conditions will continue to apply until terminated by either you or Company as set out below. Your right to access and use the Websites and Services terminates automatically upon your breach of any of these Terms and Conditions that may apply to any of the Websites, Services and Material. Company may, at any time: (a) modify, suspend or terminate the operation of or access to any of the Websites, Services and Materials, or any portion of the Websites, Services and Materials, for any reason; (b) modify or change the Websites or Services, or any portion of the Websites, Services and Material, and any Terms and Conditions and other policies governing the use of the Websites, Services and Material, for any reason; (c) interrupt the operation of the Websites, Services and Materials, or any portion of the Websites or Services, for any reason, all as Company deems appropriate in its sole discretion.

Your access to, and use of, the Websites, Services and Material may be terminated by you or by Company at any time and for any reason. The disclaimer of warranties, the limitation of liability and the jurisdiction and applicable law provisions shall survive any termination. The license grants mentioned herein shall continue in effect subject to the terms of the applicable license. Your warranties and indemnification obligations shall survive any termination for one year.

 

  1. Refund Policy

 

The purchase of any product or service may or may not provide for any refund. Each specific product, service, or course will specify its own refund policy. Please contact us for any questions about our Refund Policy.

 

7.      Warranties

You hereby warrant to Company as follows:

7.1.1  All the information provided to Company that is required to register with the Site, and all information provided hereafter, is true, correct, complete, and if applicable, in compliance with any consumer protection legislation in any applicable jurisdiction;

  • You have the full right and capacity to enter into this agreement, and are eligible to do so, as determined by the terms of this Agreement and in Company’s sole discretion;
  • This Agreement constitutes your legal, valid, and binding obligation, enforceable against you in accordance with its terms, and you agree not to contest the validity or enforceability of this Agreement under the provisions of applicable law relating to whether certain agreements are to be in writing or signed by the party to be bound thereby;
  • You will remain in compliance with all relevant ordinances, regulations, orders, licenses, permits, judgments, decisions, local laws, and other requirements of any governmental authority that has jurisdiction over it, whether those laws are now in effect or come into effect during the time of your use or participation in the Site;
  • You will not send any unsolicited email, or otherwise violate any provisions of Can-Spam Act, or any other anti-unsolicited e-mail legislation in any applicable jurisdiction;
  • You will remain in compliance with any applicable policies or rules established by Company;
  • You will not post any disparaging messages to outside newsgroups, chat rooms, bulletin boards, or Internet forums about Company or any of its users;
  • You are not, nor are You acting on behalf of any person or entity that is prohibited from engaging in transactions with United States citizens, residents or entities under applicable United States law and regulation;
  • You have the legal right to post any and all content including User Generated Content, copyrighted material, products and/or services that you post on the Site;
  • You will not attempt to alter, conceal, manipulate, or otherwise render inoperable or ineffective any portion of the Site or User Generated Content, including site tags, source codes, links, pixels, modules or other data provided by or obtained from Company and/or third parties;
  • You acknowledge and accept that Company does not make any representations, warranties, or any specific or implied promise as to the successful outcome of your use or participation in the Site;
  • You agree you will not alter any content/materials that has been submitted to the Site for commercial gain, except where authorized by the Site; and
  • You agree that if any errors or undesirable results occur in connection with recording, calculating, viewing, using, interacting, or otherwise participating with the Site or service, due to no fault of Company, that Company will not be responsible for any associated losses.

8.      Indemnification

You agree to fully defend and indemnify (including reasonable attorneys’ fees and costs) actions by third parties arising out of, or related to your use or participation in, the Site, including, but not limited to: (1) your violation of this Agreement; (2) your improper use of the Site; (3) allegations concerning intellectual property infringement; (4) breach of any of your warranties or representations and hold Company, its subsidiaries, Affiliates and each of their respective officers, partners, members, managers, employees, agents and attorneys, harmless from and against any and all claims, threats, allegations, liabilities, costs, taxes, and expenses. Without limiting the foregoing, you agree to not settle any claim without the consent of Company. In addition, you agree to be fully responsible for any and all taxes, and related fees, costs, transaction fees, and penalties incurred by Company and/or any of its third party partners.

9.      Assignment

You may not sell, assign, or otherwise transfer this Agreement and the rights enumerated through it, without the prior written consent of Company. Any party assigned must be eligible and complete the application process before becoming a respective successor or assignee. Furthermore, before any sale, transfer, or assignment can be finalized, any debt or obligations owed to Company by the party wishing to assign must be satisfied in full. Company may assign any of its rights or duties under this obligation to a third party, and will inform you if such an assignment takes place.

  1. Other

 

The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under the U.S. copyright law. If you believe in good faith that materials hosted by Company infringe your copyright, you, or your agent may send to Company a notice requesting that the material be removed or access to it be blocked. Any notification by a copyright owner or a person authorized to act on its behalf that fails to comply with requirements of the DMCA shall not be considered sufficient notice and shall not be deemed to confer upon Company actual knowledge of facts or circumstances from which infringing material or acts are evident. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send to Company a counter-notice. All notices and counter notices must meet the then current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright for details. Company’s Copyright Agent for notice of claims of copyright infringement or counter notices can be reached as follows:

 

Schwarz & Co.

Carolina@schwarzandco.com

 

  1. Disclaimers
    • No Professional Advice

The information contained in or made available through our Site(s) (including but not limited to information contained on videos, message boards, comments, on coaching calls, webinars, teleseminars, in emails, in text files, or in chats) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, medical, psychological, or legal matters. In particular, you should regularly consult a doctor in all matters relating to physical or mental health, particularly concerning any symptoms that may require diagnosis or medical attention. We and our licensors or suppliers make no representations or warranties concerning any treatment, action, or application of medication or preparation by any person following the information offered or provided within or through the Sites. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death. You alone are responsible and accountable for your decisions, actions and results in life, and by your use of the Sites, you agree not to attempt to hold us liable for any such decisions, actions or results, at any time, under any circumstance.

11.2   Earnings Disclaimer

 

When addressing financial matters in any of our Sites, videos, newsletters or other content, we’ve taken every effort to ensure we accurately represent our programs and their ability to grow your business and improve your life. However, there is no guarantee that you will get any results or earn any money using any of our ideas, tools, strategies or recommendations. Nothing on our Site(s) is a promise or guarantee of earnings, wellbeing, financial welfare, or guarantee of anykind. Your level of success in attaining similar results is dependent upon a number of factors including your skill, knowledge, ability, dedication, business savvy, network, and financial situation, to name a few. Because these factors differ according to individuals, we cannot and do not guarantee your success, income level, or ability to earn revenue. You alone are responsible for your actions and results in life and business. Any forward-looking statements outlined on our Sites are simply our opinion and thus are not guarantees or promises for actual performance. It should be clear to you that by law we make no guarantees that you will achieve any results from our ideas or models presented on our Sites, and we offer no professional legal, medical, psychological or financial advice.

 

11.3     Limitation of Liability

 

By using Company’s services, enrolling in any program, using any information whether paid or free, User releases Company, officers, employers, employees, directors, related entities, trustees, affiliates, and successors from any and all damages that may result from anything and everything. The information provided shall be considered as educational and/or business consulting, with User accepting any and all risks, foreseeable or unforeseeable, arising from use of said information. You agree that you are 100% responsible for your progress, results, outcome in your own life and business. You agree that starting your own business is a risk that you yourself are taking, and that Company will not be liable for anything related to this or anything arising from it. Company exists for educational purposes only, and the materials and information contained herein and in our products and services are for general informational purposes only. Company makes no warranty of any kind, implied or express, as to its accuracy, completeness, or appropriateness for any purpose. You acknowledge and agrees that no representation has been made by Company or its Affiliates and relied upon as to the future income, expenses, sales volume or potential profitability that may be derived from the participation in this program.

 

  1. General Terms
12.1 Modification

Your continued use of the Site must be in full accordance with this Agreement and any modifications to it by Company. Company reserves the right to make changes to the Site and the terms and conditions of this Agreement at any time. Your continued use after any such modification shall constitute your consent to such modification. In the event you no longer agree with any modifications, you will immediately cease to be an Authorized User and you must notify Company immediately of this desire, upon which your account, and any such rights thereunder, will be terminated.

12.2  Severability

If any provision of this Agreement shall be held to be invalid, illegal or unenforceable for any reason, the validity, legality and enforceability of the remaining provisions shall not in any way be affected or impaired thereby.

12.3  Relationship of Parties

Company, and any developers or operators of applications will be and shall act as independent contractors, and no party is authorized to act as or shall be an agent or partner of, or joint venture with, the other party for any purpose, unless otherwise authorized by Company in writing in a separate agreement. Neither party by virtue of this Agreement shall have any right, power, or authority to act or create any obligation, express or implied, on behalf of the other party.

12.4  Notices

Any notices under this agreement shall be in writing and shall be deemed to be delivered when deposited through a form of registered mail, postage prepaid, return receipt requested, or when sent by facsimile transmission promptly confirmed by return transmission. Any notice from Company to you may include all electronic mail to the primary contact email address, which is deemed an acceptable means of notification. All notices by other parties shall be directed to Company at the respective addresses set forth below or to such other address as it may, from time to time, designate by notice to the other party.

12.5  Injunctive Relief

In the event that: (a) you or any of your members or guests attempts or threatens to use, copy, license, or convey the items supplied by, or through, the Site hereunder in a manner contrary to the terms of this Agreement, or (b) either party attempts or threatens to violate its obligations, the aggrieved party shall have, in addition to any other remedies available to it, the right to injunctive relief. Each party hereby acknowledges that other remedies at law are inadequate in the circumstances set forth herein.

12.6  Governing Law

This Agreement, and any and all tort claims that may arise in connection with the Site or Agreement and any related services, will be governed by the substantive laws of the Broward County, Florida.

12.7  Force Majeure

We shall be under no liability to you in respect of anything that, if not for this provision, would or might constitute a breach of these Terms, where this arises out of circumstances beyond our control, including but not limited to:

12.7.1  Acts of god;

12.7.2  Natural disasters;
12.7.3  Sabotage;
12.7.4  Accident;
12.7.5  Riot;
12.7.6  Shortage of supplies, equipment, and materials;
12.7.7  Strikes and lockouts;
12.7.8  Civil unrest;
12.7.9  Computer hacking; or
12.7.10  Malicious damage.

12.8  No Waiver

No express or implied waiver by either party of any event of default hereunder shall in any way be, or be construed as, a waiver of any future or subsequent event of default.

12.9  Survival

The respective rights and obligations of the parties shall survive the termination of this Agreement.

12.10  Entire Agreement

The parties acknowledge that this Agreement constitutes the entire agreement between the parties as of the date hereof with respect to the subject matter hereof, and that this Agreement supersedes any and all prior and contemporaneous communications, whether oral or written.

Company reserves the right in its sole discretion to change, modify, add, or remove any part of this Agreement, in whole or in part, at any time and as provided for in section 10.11 of this Agreement. Notification of the changes to this Agreement will be posted on the Site and will be effective immediately, unless expressed otherwise. Amendments to this Agreement will take effect immediately upon being posted on the Site and your continued use of the Site will be deemed as your acceptance thereof.

12.11  Counterparts

This Agreement may be executed in one or more counterparts, each of which shall be deemed an original, but all of which shall be taken together and constitute one and the same instrument.

12.12 Reach of Agreement and Liquidated Damages

You understand and agree that, because damages are often difficult to calculate, if it becomes necessary for Company to pursue legal action to enforce the terms and conditions of this Agreement, you will be liable to pay us the following amounts as liquidated damages, which you accept as reasonable estimates of Company’s damages for the specified breaches of this Agreement:

(a) If you post Content in violation of this Agreement, you agree to promptly pay Company One Thousand Dollars ($1,000) for each item of Content posted in violation of this Agreement. We may (but shall not be required to) to issue you a warning before assessing damages.

(b) If you display, copy, duplicate, reproduce, sell, re-sell or exploit for any purpose any Content in violation of this Agreement, you agree to pay One Thousand Dollars ($1,000) for each item of Content displayed, copied, duplicated, reproduced, sold, re-sold or exploited in violation of this Agreement

(c) If you use computer programming routines that are intended to aggregate records or reviews from the Service or otherwise damage, interfere with, disrupt, impair, disable or otherwise overburden our Site, you agree to pay One Hundred Dollars ($100) for each review or record that is aggregated, disrupted, damaged or otherwise affected by you.

(d) Except as set forth in the foregoing subsections (a) through (c), inclusive, You agree to pay the actual damages suffered by Company, including, but not limited to attorneys’ fees and court costs, to the extent such actual damages can be reasonably calculated. Notwithstanding any other provision of this Agreement, we reserve the right to seek the remedy of specific performance of any term contained herein, or a preliminary or permanent injunction against the breach of any such term or in aid of the exercise of any power granted in this Agreement, or any combination thereof.

 

Terms of Service last updated on: September 18th, 2015