RefinanceOne.net Terms of Use
Last revised: February 1, 2007
Welcome to RefinanceOne.net TM, a Centuriant company (referred to as "R1", "we," "us," or "our"). Before you begin to use the RefinanceOne.net website ("R1 Website"), please take a moment to review this Terms of Use Agreement ("Agreement"). The Agreement describes the terms and conditions applicable to your use of the R1 Website and the products and services provided through or in connection with the R1 Website (collectively, "Service"), which may be updated by R1 from time to time without notice to you. R1 may also offer other services that are governed by a different Terms of Service.
You must read and agree with all of the terms and conditions contained in this Agreement and the R1 Website privacy policy then in effect ("Privacy Policy"), which is incorporated by reference, before you use the Service. If you do not agree to be bound by the terms and conditions of this Agreement, you may not use or access the Service.
Centuriant is not a lender or a broker. The information provided by you to Centuriant is not an application for a mortgage loan, nor is it used to qualify you with any lender or broker. If you are contacted by a lender or broker which advertises with Centuriant and you submit a loan application to such lender or broker, your information remains between you and that lender or broker.
1. Loan Products and Services; Authorization to Obtain Your Credit Report and Credit Score. The R1 Website is an online marketplace where you can research and compare prices in a number of different categories, including home purchase loans, home equity loans, and home refinance loans. You understand and agree that if you submit a request for a loan product or service offered through the Service, R1 will share your personal information (such as your full name, address, telephone number, and social security number) with clients in our client network, including banks, correspondent lenders, mortgage bankers and brokers (referred to individually as "Client" and collectively as "Clients") to process and fulfill your request. You authorize R1 to use your social security number to obtain your credit report and credit score for the purpose of matching your request with Clients. You further authorize Clients that receive your personal information to use your social security number to pull your credit report and credit score for the purpose of processing and fulfilling your request.
You acknowledge that R1 does not make loan or credit decisions in connection with the Service and that R1 is not a party to any agreement that you may make with the Client, and that the Client is solely responsible for its services to you. You further acknowledge that R1 is not acting as your agent or broker and is not recommending any particular loan product or Client to you. Any compensation R1 may receive is paid by the individual Client for the products and services rendered by R1 to that particular Client. R1 does not charge you a fee to use the R1 Website. You understand that requirements for a particular loan product are made by the individual Clients and that R1 does not endorse, warrant, or guarantee the products or services of any the Client. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that R1 shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Client's service.
By submitting your contact request for a loan product, you are consenting to be contacted by one or more Clients which may include Apex Mortgage, Empire Mortgage Funding, Aegis Lending Corporation, Ameriquest Mortgage Company, Champion Mortgage - A Division of Key Bank N.A., Countrywide Financial Corporation, HFC Corporation, IndyMac Bank F.S.B., New Century Financial Corporation, NovaStar Financial, Inc., Quicken Loans, Inc., Wells Fargo Bank N.A., or Wells Fargo Home Mortgage either by telephone (on a recorded line), email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that the Clients may maintain the information you submitted to R1 whether you elect to use their services or not. In the event you no longer want to receive communications from a Client, you agree to notify the Client directly. You also give R1 permission to send you periodic updates of current loan products which may be of interest to you.
2. Other Products and Services. You understand and agree that if you request a product or service other than a loan such as Internet access, insurance or long distance telephone service offered through the Service R1 will share your information with certain business partners to process and fulfill your request. You further agree that our business partners may contact you by telephone, email or mail based on the information you have provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. You understand that R1 business partners may maintain the information you submitted to R1 whether you elect to use their services or not. In the event you no longer want to receive communications from an R1 business partner, you agree to notify the partner directly.
3. Use of the R1 Website and Service. You certify to R1 that: (i) you are at least eighteen (18) years of age; (ii) you assume full responsibility for the use of the Service by any minors; (iii) you agree that all information you have submitted to R1, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the R1 Website or Service; and, (iv) your use of the Service is subject to all applicable federal, state, and local laws and regulations.
4. Prohibited conduct. You must not (i) submit, transmit or facilitate the distribution of information or content that is harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person's view, objectionable; (ii) submit, transmit, promote or distribute information or content that is illegal; (iii) attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Service; (iv) take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (v) upload invalid data, viruses, worms, or other software agents through the Service; (vi) use any robot, spider, scraper or other system to access the Service for any purpose without our express written permission; (vii) impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; (viii) submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships; (ix) interfere with the proper working of the Service; or, (x) bypass the measures we may use to prevent or restrict access to the Service.
5. Copyright and Trademark Notice Information. All content of the R1 Website is protected under copyright: Copyright © 2004 - 2007 Centuriant LLC. 108 West 13th Street Wilmington, Delaware 19801 and/or its Clients and third party vendors. All rights reserved. RefinanceOne.net, Special Situations, RefinanceOne.net trademarks and service marks and other R1 logos and product service names are trademarks of Centuriant LLC ("Centuriant Marks"). Without R1's prior permission, you agree not to display or use in any manner, the R1 Marks. All other logos or brand names shown on the Service are trademarks of their respective owners and/or licensors.
6. Proprietary Rights. You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further agree that all materials and/or content, including, but not limited to, articles, artwork, screen shots, graphics, logos, text, drawings and other files on the R1 Website or as part of the Service are copyrights, trademarks, service marks, patents or other proprietary rights of R1 or their respective intellectual property owners. Except as expressly authorized by R1, you agree not to modify, copy, reproduce, sell, distribute or create derivative works based on or contained within the R1 Website, the Service or the Software, in whole or in part.
R1 grants you a personal, non-transferable and non-exclusive right and license to use the code of its Software on a single computer; provided that you do not copy, modify, create a derivative work of, reserve engineer, decompile, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including, without limitation, for the purpose of obtaining unauthorized access to the Service by any means other than through the interface that is provided by R1 for use in accessing the Service.
7. Links. R1, through the R1 Website, the Service or otherwise, may provide links to other websites. Because R1 has no control over such websites, you acknowledge and agree that R1 is not responsible for the availability of such external websites, and does not endorse and is not responsible or liable for any content, advertising, products, whether loan, auto, or telecommunications, or other materials on or available from such websites. You further acknowledge and agree that R1 shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, goods or services available on or through any such website.
8. Indemnification. You agree to indemnify and hold R1, its subsidiaries, affiliates, agents, shareholders, officers, contractors, vendors and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your use of the R1 Website or Service, the violation of the Agreement by you, or the infringement by you, or any other user of the R1 Website or Service using your computer, of any intellectual property or other right of any person or entity. R1 reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
9. No Warranty. R1 PROVIDES THE R1 WEBSITE AND THE SERVICE "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE," AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURANCY, AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, R1 MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. R1 DISCLAIMS ANY AND ALL WARRANTIES OR CONDITIONS, EXPRESS, STATUTORY AND IMPLIED, INCLUDING WITHOUT LIMITATION: (i) WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, ACCURACY, TITLE, QUIET ENJOYMENT, NO ENCUMBRANCES, NO LIENS AND NON-INFRINGEMENT; (ii) WARRANTIES OR CONDITIONS ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE; AND, (iii) WARRANTIES OR CONDITIONS THAT ACCESS TO OR USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. THERE ARE NO WARRANTIES THAT EXTEND BEYOND THE FACE OF THIS AGREEMENT.
10. Limitation of Liability. IN NO EVENT WILL R1 BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM THIS AGREEMENT OR YOUR USE OF THE R1 WEBSITE OR SERVICE, EVEN IF R1 HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (1) BREACH OF CONTRACT, (2) BREACH OF WARRANTY, (3) STRICT LIABILITY, (4) TORT, (5) NEGLIGENCE, OR (6) ANY OTHER CAUSE OF ACTION, TO THE EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IF YOU ARE DISSATISFIED WITH THE SERVICE, YOU DO NOT AGREE WITH ANY PART OF THIS AGREEMENT, OR HAVE ANY OTHER DISPUTE OR CLAIM WITH OR AGAINST R1 WITH RESPECT THIS AGREEMENT OR THE SERVICE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
11. Release. YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE R1 AND ITS AFFILLIATES, PARTNERS, SERVICE PROVIDERS, CLIENTS, VENDORS, AND CONTRCTORS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABLITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE WHATSOEVER, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.
12. Notice. R1 may provide you with notices, including those regarding changes to the Agreement, either by email, regular mail, or postings on the Service. All notices to R1 must be made in writing and mailed to:
Centuriant LLC
Attn: General Counsel
108 West 13th Street
Wilmington, Delaware 19801
13. Termination. You agree that R1 may, under certain circumstances and without prior notice, immediately terminate your access to the R1 Website or Service. Cause for such termination shall include, but not be limited to: (i) breaches or violations of the Agreement or other incorporated agreements or the Privacy Policy; (ii) requests by law enforcement or other government agencies; (iii) discontinuance or material modification to the Service (or any part thereof); and (iv) unexpected technical or security issues or problems. You agree that all terminations for cause shall be made in R1's sole discretion and that R1 shall not be liable to you or any third party for any termination or access to the R1 Website or Service.
14. Dealings with Third Parties. Your correspondence or business dealings with any third parties as a result of your visit and participation in the Service, including, but not limited to, business dealings with mortgage brokers or lenders, insurance agents or carriers, or any other terms, conditions, warranties, representations associated with such dealings, are solely between you and such third party. You agree that R1 shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such third party on the Service.
15. Disputes. This Agreement will be interpreted in accordance with the laws of the State of California, without regard to the conflicts of laws principles thereof. The parties agree that any and all disputes, claims or controversies arising out of or relating to the Agreement, its interpretation, performance, or breach, that are not resolved by informal negotiation within 30 days (or any mutually agreed extension of time), shall be submitted to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in Wilmington, Delaware, or its successor. Either party may commence the arbitration process called for herein by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures in effect at the time of submission of the demand for arbitration. The costs of arbitration plus reasonable attorneys’ fees (including fees for the value of services provided by in house counsel) shall be awarded to the prevailing party in such arbitration. Judgment on the award rendered by the arbitrator may be entered in the Court of Chancery of Delaware, or the United States District Court for the Central District of Delaware. Notwithstanding the foregoing, the following shall not be subject to arbitration and may be adjudicated only in the Court of Chancery of Delaware, or the United States District Court for the Central District of Delaware: (i) any dispute, controversy, or claim relating to or contesting the validity of R1's proprietary rights, including without limitation, trademarks, service marks, copyrights, or trade secrets; or, (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or provisional relief such as writs of attachments or possession.
THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT R1’S PLACE OF AGENCY IN THE STATE OF DELAWARE, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE STATE OF DELAWARE.
16. Modification to Service. R1 reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that R1 shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
17. Waiver and Severability of Terms. The failure of R1 to exercise or enforce any right or provision of the Agreement shall not constitute a waiver of such right or provision. If any provision of the Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Agreement remain in full force and effect.
18. Disclosure of Your Information. You acknowledge, consent and agree that R1 may access, preserve, and disclose the information we collect about you if required to do so by law or in good faith belief that such access preservation or disclosure is reasonably necessary to: (i) comply with legal process; (ii) enforce the Agreement; (iii) respond to claims that any information or content violated the rights of the third parties; (iv) respond to your requests for customer service; or (v) protect the rights, property, or personal safety of R1, its users and the public.
19. Information Collection and Use
We will collect and use personal information about you to respond to your request for products and services offered through this website. We will also collect information in order to notify you about products, services, and other opportunities we think will be of interest to you. The information we collect may be from the following sources:
We also collect demographic information. Demographic information is all other information such as gender, zip code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account.
A. Information Sharing and Disclosure
We share personal information about you under the following circumstances:
Loan Products or Service Requests - If you submit a request for quotes for a loan product or service offered through this website, we will share the personal information contained in your request form (such as your full name, address, telephone number, property location, self-assessed value, and Social Security Number) with lenders, which include banks, mortgage lenders and brokers (collectively, "Lender" or "Lenders") in our client network to process and fulfill your request. In some circumstances, we may obtain additional information about you and/or share that information with Lenders in our network. For example, we may use your Social Security Number or your Year of Birth to obtain your credit report and credit score to help us better match you with Lenders. In addition, Lenders that receive your personal information may use your Social Security Number to obtain your credit report and credit score in order to process and fulfill your request.
All Lenders in our network have entered into agreements with Centuriant LLC. and are required to comply with federal and state privacy regulations. By submitting your request to RefinanceOne.net, you understand that Lenders may contact you by telephone (on a recorded line), email, or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the Lenders may maintain the information you provided whether you elect to use their services.
Other Products or Service Requests - If you submit a request for a product or service other than a loan such as Internet access, insurance or long distance service, you will be asked to provide your personal information (such as your full name, address, telephone number and email address). The personal information you submit is either: collected by RefinanceOne.net and shared with the particular business partner operating the service or providing the product you requested or is provided directly to the business partner. Where the service is operated by one of our business partners, the collection, use and disclosure of your personal information will be subject to that business partners' privacy policy. Our business partners may contact you by telephone, email, or regular mail based on the information you provided to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of our partners contacts you by telephone and you wish not to be contacted again by that business partner with respect to your inquiry, then you should specifically make a request to that partner not to contact you again.
Vendors - We sometimes disclose the information we collect to companies that operate various services for us such as marketing distribution, advertising, or certain product functionalities. These vendors only have access to personal information needed to perform their functions, and may not share it with others or use it for any other purpose.
Subsidiaries, Parent or Sister Companies - We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies. For example, we may share your information with Centuriant LLC or GoCalico.com.
As Permitted by Law - We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of RefinanceOne.net's Terms of Use or as otherwise required by law.
Business Transfer - As with any other business, it is possible that Centuriant LLC in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by RefinanceOne.net, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.
B. Advertisements and Third Party Ad Servers
You may receive advertisements for RefinanceOne.net from third parties. For instance, when visiting a third party website, you may receive a "pop up" window advertising RefinanceOne.net. Please note that such advertisements are served by the third party website that you have visited and are not controlled by RefinanceOne.net. In addition, such advertisements may be placed by third party ad servers or ad networks such as Google. These companies may employ cookies and action tags to measure advertising effectiveness.
C. Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of code, usually stored on a user's computer hard drive, which enable a Website to "personalize" itself for each user. We generally use cookies to reduce the time it takes for pages to load on your computer and to assist with customer tracking. Customer tracking (or "click-stream") data collected by us is used to optimize your experience by learning whether or not you successfully used RefinanceOne.net. Cookies are not tied to your personal information. Additionally, we may capture click-stream data on some of our partner's websites, limited to the activity involved with the completion of offers listed on our website. This information is used to monitor the performance of our partners.
We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.
D. Clear Gifs
We employ a software technology called clear gifs that help us better manage content on our site by informing us what content is effective. Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movement of Web users. Clear gifs are not tied to users' personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.
E. Offering You Choices
Marketing Email Options- You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to RefinanceOne.net Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails).
Refusing Cookies - We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser's instructions to perform this task.
Third Party Advertisers - Please note that RefinanceOne.net can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
F. Confidentiality and Security
The security of your personal information is very important at RefinanceOne.net and we take a number of steps to safeguard it.
G. Third Party Links
This Privacy Statement applies to all information that you provide to RefinanceOne.net. However, when you visit websites to which RefinanceOne.net links, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.
H. Framing
In some cases, we may use third parties to operate portions of the RefinanceOne.net website. Although the particular section of the website may have a similar appearance as the RefinanceOne.net site, information submitted through these outside third parties are subject to that company's privacy policy unless otherwise stated.
I. A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.
J. Removing Your Information
Federal and state regulations require that we maintain all information (including your personal information) submitted through the RefinanceOne.net website for various time periods. In order to comply with these regulations, we cannot delete your information from our database.
K. Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Statement, you may contact us:
By sending an email to:
Customers@RefinanceOne.net
L. Changes to this Privacy Statement
RefinanceOne.net may update or modify this Privacy Statement from time to time. If there are material changes to this Privacy Statement or in how RefinanceOne.net will use your personal information, we will post such changes here. You will be notified if any of the material changes that affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this website.
By using this site, you signify your assent to the RefinanceOne.net Privacy Statement. If you do not agree to this policy, please do not use any of the RefinanceOne.net site. W hen you request rate quotes or other information through RefinanceOne.net, you are authorizing us to share information with our business partners, who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our website to ensure you are aware of any changes in our privacy practices. Our Privacy Statement will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Statement.
21. Entire Agreement. The Agreement constitutes the entire agreement between you and R1 and governs your use of the R1 Website or Service, superseding any prior agreements between you and R1. You also may be subject to additional terms and conditions that may apply when you use or purchase certain when you use certain other R1 services, affiliate services, third party content or third party software.
22. Survival. The following paragraphs shall survive termination or your refusal to continue to use the Service: 5, 6, 7, 9, 10, 11, 12, and 16.
23. Statute of Limitations. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF RELATED TO USE OF THE SERVICE OR THE AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.