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Privacy Policy | Best Loan Modification:
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Privacy Policy / Disclosures (from BestLoanModification.com)
Terms of Use
Effective: JAN 1, 2008
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. Although personal information we collect from you may be considered publicly available through government records or available through widely distributed media, we will treat all personal information submitted by you as nonpublic personal information. The information we collect may be from the following sources:
" Information provided by you in connection with obtaining financial products or services such as mortgage loans (such as full name, telephone number, self-assessed property value, and social security number).
" Information you provide us when you register to receive communications from us (such as your email address).
" Information you provide us when you enter promotions or sweepstakes offered by BestLoanModification.com (such as your full name, physical address and email address).
" Information you provide us through surveys, feedback, or other forms hosted on our website or the pages of a BestLoanModification.com partner.
" Information you provide us when you apply for a job with BestLoanModification.com.
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 sources (such as service providers) for tracking purposes. We may add the information we receive about you to your existing account. Like other websites, we also automatically receive and record certain types of information every time you visit us. We use " cookies" and the other information to enhance your experience and present you with personalized offers. Likewise, we sometimes use third-party advertising companies to serve and track advertisements appearing on our website. These companies may employ cookies and action tags to measure advertising effectiveness. Any information that these third parties collect via cookies and action tags is completely anonymous.
Information Sharing and Disclosure
We do not share personal information about you with other people or nonaffiliated companies except to provide product or services you have requested or under the following circumstances:
Loan Products or Service Requests - If you submit a request 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, physical address, telephone number, property location and self-assessed value, and social security number, with lenders in our provider network strictly 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 provider network. For example, we may use your social security number to obtain your credit score to help us match you with a lender. In addition, lenders that receive your personal information may use your social security number to pull your credit score and/or credit report in order to process and fulfill your request. All lenders in our provider network, which include banks, mortgage lenders and brokers, have entered into marketing agreements with BestLoanModification.com and are required to comply with federal and state privacy regulations. The lenders may contact you by telephone, email, or 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 by telephone 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. If the lender disregards your request and contacts you again, please let us know immediately by sending an email to BestLoanModification.com Customer Care. Please note that the lenders may maintain the information you provided whether you elect to use their services or not.
Other Products or Service Requests - If you submit a request for a product or service other than a loan such Internet access, automobile insurance or long distance telephone service, we will share the personal information contained in your request form such as your full name, telephone number and email address with our business partners to process and fulfill your request. Our business partners may contact you by telephone, email, or 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 host certain services for us such as marketing distribution services on our behalf. 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. These companies are subject to confidentiality agreements with us and other legal restrictions that prohibit them from using the information except to market the specified BestLoanModification.com products or services.
Job Postings - We allow for the online submission of resumes and employment related information. Please note that the information (including personal information) collected through the online job application process on the Career Pages section of our website is not subject to this Privacy Policy . However, we want to assure you that information obtained from our job site will be used solely for the purpose of accepting and evaluating your submission for possible employment and the related purposes described on our Career Pages. We currently use Wet Feet, an outside third party vendor, to handle our employment related submissions. All personal information collected by Wet Feet is kept confidential and forwarded to BestLoanModification.com for the purpose of recruitment.
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 BestLoanModification.com's Terms of Use, or as otherwise required by law.
Business Transfer - As with any other business, it is possible that BestLoanModification.com, 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 BestLoanModification.com, including customer account information, but would continue to be bound by this privacy pledge unless you consent otherwise.
Anti-Spam Policy
You will not receive BestLoanModification.com email communications unless you submit your email address to us and register to receive them. Additionally, you may also receive emails that advertise BestLoanModification.com's services from third party publishers. We have established firm ground rules for dealing with any third party email services to ensure that advertisements for BestLoanModification.com are not sent out through a "Spam" mailing -- ensuring that our offers are sent only to those individuals who have given their permission to the third party email service to receive email communications. If any third party email publisher refuses to abide by BestLoanModification.com's anti-Spam policy, we will not use that publisher's services. If you want to stop receiving emails from a third party, you should follow the opt-out instructions included in the third party email so that you will not be included in any future mailings. An "unsubscribe" link should appear within or at the top or bottom of the email you received. However if for any reason it does not work, please bring that to our attention by emailing us at BestLoanModification.com Customer Care.
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 BestLoanModification.com. 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.
Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) 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.
Confidentiality and Security
The security of your personal information is very important at BestLoanModification.com and we take a number of steps to safeguard it. For example:
" We limit access to personal information to those employees or agents who assist us in providing requested products and services to you. Employees are required to comply with our strict policies and procedures regarding the handling of your personal information. Employees who violate these policies are subject to our normal disciplinary process.
" We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
" We use industry standard data encryption technologies when transferring and receiving consumer data on the BestLoanModification.com website.
" We have partnered with VeriSign to protect against the loss, misuse or alteration of information that we collect from you.
Opting-Out
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 featuring special and exclusive offers, promotions and other members-only benefits. If you no longer wish to receive these communications, please let us know by sending an email to BestLoanModification.com Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails). Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that BestLoanModification.com 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. Also, please note that if you enter into a transaction through our website, we may send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you periodic product reminders as part of your service.
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 Please see our Terms of Use for more information.
Updating Your Information
If you want to access or update the personal information you submitted to BestLoanModification.com, please contact BestLoanModification.com Customer Service In the alternative, you can write us at the address below and request that your personal information be updated.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Pledge, you may contact us by sending an email to: info@BestLoanModification.com
Changes to this Privacy Pledge
BestLoanModification.com may update or modify this Privacy Pledge from time to time. If there are material changes to this Privacy Pledge or in how BestLoanModification.com 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 BestLoanModification.com Privacy Pledge. If you do not agree to this policy, please do not use any of the BestLoanModification.com site. W hen you request rate quotes or other information through BestLoanModification.com, 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 Pledge will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Pledge.
Terms of Use
Last updated: JAN 1, 2008
Welcome to BestLoanModification.com® (referred to as "Company", "we," "us," or "our"). Before you begin to use the BestLoanModification.com website ("Company 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 Company Website and the products and services provided through or in connection with the Company Website (collectively, "Service"), which may be updated by Company from time to time without notice to you. Company 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 Company 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.
1. Loan Products and Services. The Company 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, Company will share your personal information (such as your full name, address, telephone number, and social security number) with Providers in our provider network, including banks, correspondent lenders, mortgage bankers and brokers (referred to individually as "Provider" and collectively as "Providers") to process and fulfill your request. You authorize Company, in its sole discretion, to use your social security number to obtain your credit score for the purpose of matching your request with Providers. Your further authorize Providers that receive your personal information to use your social security number to pull your credit score and credit report for the purpose of processing and fulfilling your request.
You acknowledge that Company does not make loan or credit decisions in connection with the Service and that Company is not a party to any agreement that you may make with the Provider, and that the Provider is solely responsible for its services to you. You further acknowledge that Company is not acting as your agent or broker and is not recommending any particular loan product or Provider to you. Any compensation Company may receive is paid by the individual Provider for the products and services rendered by Company to that particular Provider. Company does not charge you a fee to use the Company Website. You understand that requirements for a particular loan product are made by the individual Providers and that Company does not endorse, warrant, or guarantee the products or services of any the Providers. Nothing contained herein shall constitute an offer or promise for a loan commitment or interest rate lock-in agreement. You agree that Company shall not be liable for any damages or costs of any type which arise out of or in connection with your use of the Provider's service.
By submitting your contact request for a loan product, you are consenting to be contacted by one or more Providers which may include [ TO BE COMPLETED] either 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, the Do Not Call List of an internal company. You understand that the Providers may maintain the information you submitted to Company whether you elect to use their services or not. In the event you no longer want to receive communications from a Provider, you agree to notify the Provider directly. You also give Company 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, automobile insurance or long distance telephone service offered through the Service Company 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 Company business partners may maintain the information you submitted to Company whether you elect to use their services or not. In the event you no longer want to receive communications from an Company business partner, you agree to notify the partner directly.
3. Use of the Company Website and Service . You certify to Company 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 Company, online or otherwise, is accurate and complete, and that you have not knowingly submitted false information on or through the Company 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 automated 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. Privacy Policy . Company respects your privacy. Personal information submitted in connection with the Service is subject to our Privacy Policy. For more information, see our full Privacy Policy.
6. Copyright and Trademark Notice Information . All contents of the Company Website are: Copyright © 2005 BestLoanModification.com, 30011 Ivy Glenn Drive, Suite 212 A , Laguna Niguel 92677, and/or its Providers and third party vendors. All rights reserved. BestLoanModification.com®, trademarks and service marks and other Company logos and product service names are trademarks of Company ("Company Marks"). Without Company's prior permission, you agree not to display or use in any manner, the Company Marks. All other logos or brand names shown on the Service are trademarks of their respective owners and/or licensors.
7. 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 Company Website or as part of the Service are copyrights, trademarks, service marks, patents or other proprietary rights of Company or their respective intellectual property owners. Except as expressly authorized by Company, you agree not to modify, copy, reproduce, sell, distribute or create derivative works based on or contained within the Service or the Software, in whole or in part.
Company 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 Company for use in accessing the Service.
8. Links . Company, through the Service or otherwise, may provide links to other websites. Because Company has no control over such websites, you acknowledge and agree that Company 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 Company 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.
9. Indemnification . You agree to indemnify and hold Company, 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 Service, the violation of the Agreement by you, or the infringement by you, or any other user of the Service using your computer, of any intellectual property or other right of any person or entity. Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
10. No Warranty . COMPANY PROVIDES 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, COMPANY MAKES NO REPRESENTATIONS, WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED. COMPANY 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.
11. Limitation of Liability . IN NO EVENT WILL COMPANY 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 SERVICE, EVEN IF COMPANY 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 COMPANY WITH RESPECT THIS AGREEMENT OR THE SERVICE, THEN YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SERVICE.
12. Release . YOU HEREBY AGREE TO RELEASE, REMISE AND FOREVER DISCHARGE COMPANY AND ITS AFFILLIATES, PARTNERS, SERVICE PROVIDERS, 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.
13. Notice . Company may provide you with notices, including those regarding changes to the Agreement, by either email, regular mail, or postings on the Service. All notices to Company must be made in writing and mailed to:
BestLoanModification.com
Attn: Legal Department
19600 Fairchild Road, Suite 290
Irvine, California 92612
14. Termination . You agree that Company may, under certain circumstances and without prior notice, immediately terminate your access to the 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 Company's sole discretion and that Company shall not be liable to you or any third party for any termination or access to the Service.
15. 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 Company 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.
16. 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 Los Angeles, California, 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 Superior Court of California, County of Orange , or the United States District Court for the Central District of California.
THE PARTIES AGREE THAT THIS AGREEMENT HAS BEEN ENTERED INTO AT COMPANY'S PLACE OF BUSINESS IN THE COUNTY OF ORANGE, STATE OF CALIFORNIA, AND ANY ARBITRATION, LEGAL ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT MUST BE COMMENCED AND TAKE PLACE IN THE COUNTY OF ORANGE, STATE OF CALIFORNIA.
17. Modification to Service . Company 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 Company shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
18. Waiver and Severability of Terms . The failure of Company 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.
19. Disclosure of Your Information . You acknowledge, consent and agree that Company 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 Company, its users and the public.
20. Entire Agreement . The Agreement constitutes the entire agreement between you and Company and governs your use of the Service, superseding any prior agreements between you and Company. You also may be subject to additional terms and conditions that may apply when you use or purchase certain when you use certain other Company services, affiliate services, third party content or third party software.
21. Survival . The following paragraphs shall survive termination or your refusal to continue to use the Service: 8, 9, 11, 12, 13, 14, and 18.
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.
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