Privacy Policy

Privacy Policy

Effective Date: September 1, 2023

1. Introduction

Welcome to Lawfull ("we," "our," or "us"). We are committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your personal data in connection with our website and services. By using our website, you consent to the practices described in this Privacy Policy.


2. Information We Collect

We may collect the following types of personal information when you use our website or services:

Contact Information (such as name, email address)
Account Information (if applicable)
Payment Information (if applicable)
Usage Data (such as IP address, browser type, device information)
Communication Data (such as your preferences for receiving communications from us)

3. How We Use Your Information

We use your personal information for the following purposes:

Providing and improving our services
Communicating with you about your account and our services
Processing transactions and sending transaction notifications
Personalizing your experience on our website
Conducting research and analytics
Complying with legal obligations

4. Legal Basis for Processing

We process your personal information based on one or more of the following legal grounds:

Performance of a contract
Compliance with legal obligations
Legitimate interests pursued by us
Your consent

5. Disclosure of Your Information

We may share your personal information with the following categories of recipients:

Service providers and processors who assist us in operating our website and providing services
Legal and regulatory authorities, upon request or as required by law
Affiliates, partners, and other trusted third parties for business purposes

6. International Data Transfers

Your personal information may be transferred to and processed in countries other than your own. We take steps to ensure that your personal information receives an adequate level of protection.


7. Your Rights

You have the right to access, correct, and delete your personal information. You also have the right to object to certain processing activities and to withdraw your consent at any time.


8. Data Security

We implement reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, misuse, and alteration.


9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The "Effective Date" at the top of this page indicates when this Privacy Policy was last revised.


10. Contact Us

If you have questions or concerns about this Privacy Policy, please contact us at

Agreement/Contract Categories

1. Business Agreements:

Partnership Agreement: Formalizes the terms between business partners.
Joint Venture Agreement: Outlines the responsibilities and contributions of parties in a joint business venture.
Non-Disclosure Agreement (NDA): Protects confidential information when sharing it with third parties.

2. Employment Contracts:

Employment Agreement: Defines the terms and conditions of employment for a new hire.
Independent Contractor Agreement: Outlines the relationship between a company and a freelance contractor.
Non-Compete Agreement: Prevents employees from working for competitors after leaving the company.

3. Real Estate Contracts:

Purchase Agreement: Details the terms of a real estate sale between a buyer and a seller.
Lease Agreement: Sets the terms for renting or leasing property, outlining responsibilities of both parties.
Construction Contract: Outlines the terms for a construction project between a contractor and a client.

4. Intellectual Property Agreements:

License Agreement: Grants permission to use intellectual property, such as software or patents.
Assignment Agreement: Transfers ownership of intellectual property from one party to another.
Trademark Licensing Agreement: Grants permission for another party to use a trademark.

5. Financial Agreements:

Loan Agreement: Defines the terms of a loan between a lender and a borrower.
Promissory Note: Formalizes a promise to repay a debt, often used in conjunction with loans.
Investment Agreement: Outlines terms for investment in a company or project.

6. Vendor Agreements:

Service Agreement: Details the scope, terms, and conditions of services to be provided by a vendor.
Supply Agreement: Defines the terms of supplying goods between a supplier and a buyer.
Distribution Agreement: Outlines the terms for distributing a product through a third-party distributor.

7. Technology Contracts:

Software Development Agreement: Defines the terms of creating or customizing software.
SaaS Agreement: Outlines terms for providing software as a service to customers.
End-User License Agreement (EULA): Sets the terms for using software by end-users.


8. Healthcare Contracts:

Medical Services Agreement: Outlines terms between a healthcare provider and a patient for medical services.
HIPAA Business Associate Agreement: Defines the responsibilities of a business associate regarding protected health information.
Clinical Trial Agreement: Establishes terms for conducting clinical trials involving medical research.

9. Entertainment Contracts:

Artist Management Agreement: Details the relationship between an artist and their manager.
Film Production Agreement: Outlines terms for producing a film, including rights and compensation.
Music Licensing Agreement: Grants permission to use music in various media, such as TV, films, or advertisements.

10. Nonprofit Agreements:
- Donation Agreement: Outlines the terms of a donation made to a nonprofit organization.
- Volunteer Agreement: Defines the responsibilities and expectations of volunteers for a nonprofit.
- Grant Agreement: Sets the terms for receiving a grant from a funding organization.


11. Franchise Agreements:
- Franchise Agreement: Details the terms and conditions for operating a franchise business.
- Master Franchise Agreement: Grants the right to sub-franchise within a specific territory.
- Area Development Agreement: Outlines the development of multiple franchise locations within a specified region.


12. Confidentiality Agreements:
- Confidentiality Agreement (Two-Way): Mutual agreement to protect confidential information shared between parties.
- Confidentiality and Invention Assignment Agreement (CIAA): Used to protect intellectual property developed by employees or contractors.
- Non-Use and Non-Disclosure Agreement: Specifically restricts the use and disclosure of confidential information.


13. Partnership Agreements:
- Limited Partnership Agreement: Defines roles and responsibilities in a partnership where some partners have limited liability.
- General Partnership Agreement: Outlines the rights and obligations of all partners in a general partnership.
- LLP Agreement (Limited Liability Partnership): Establishes the terms for a partnership where partners have limited liability.


14. Consulting Agreements:
- Consulting Services Agreement: Outlines the terms of consulting services provided by a consultant to a client.
- Retainer Agreement: Defines the terms of ongoing consulting services over a specified period.
- Conflict of Interest Agreement: Addresses potential conflicts that may arise during a consulting engagement.

Welcome to Lawfull. These Terms of Use (“Terms”) establish a legally binding agreement between you, whether as an individual or on behalf of an organization (“you”), and Lawfull Ltd, along with its subsidiaries and associated companies (referred to as “Lawfull,” “we,” “us,” or “our”), concerning your use of and access to our website located at, (collectively known as the “Site”).

Please carefully read the following terms and conditions that govern your use of the Site. By accessing and using the services, you indicate your acceptance and commitment to these Terms. If you do not agree to these Terms, you should refrain from using the Site.

NOTICE OF ARBITRATION AGREEMENT AND CLASS ACTION WAIVER: This agreement contains an arbitration clause and a waiver of class action rights, which affect your rights concerning dispute resolution with the company. Please review it attentively.

By utilizing our services, you are agreeing to be bound by our Privacy Policy, as well as any additional terms and conditions or documents that may be published on the Site periodically. The privacy policy and supplementary policies are hereby incorporated into these Terms by reference. We retain the right, at our sole discretion, to modify or amend these Terms at any time and for any reason. We will provide notice of any changes by updating the “Last updated” date of these Terms. By continuing to use the Site after such changes have been posted, you acknowledge your awareness of and agreement to the revised Terms.



The Site provides general legal information over the Internet and should not be considered as legal advice applicable to specific situations. We are not lawyers, nor do we constitute a law firm, and we do not provide legal, business, or tax advice. Our representatives are not attorneys and are also not authorized to provide legal, business, or tax advice. Using the Site does not establish or create an attorney-client relationship between Lawfull or any associated individuals and users. Due to variations in laws across jurisdictions, the information and documents on the Site do not replace the counsel of a lawyer.

The Site offers features and tools that grant access to independent attorneys and self-help services, including forms and general legal information. These features are not substitutes for the services or advice of a licensed attorney. For legal, business, or tax advice, it is recommended that you consult with an appropriate professional.

The Site provides resources for accessing legal information and managing legal matters independently using do-it-yourself forms and tools. You are solely responsible for your use of Lawfull’ materials and for determining if you require assistance from a licensed attorney to correctly utilize these materials. The accuracy, completeness, adequacy, or currency of the content is not guaranteed. As laws change rapidly, we cannot ensure that all information on the Site is completely up-to-date. Laws vary across jurisdictions, and general information or legal tools provided on the Site may not cover every circumstance. We do not operate as a lawyer referral service. The Site is for personal use and serves as one information source among others available to you.

Lawfull does NOT provide legal advice, opinions, or recommendations about legal rights, remedies, defenses, options, form selection, or strategies. Periodically, Lawfull may offer attorney access services and tools for users to communicate with attorneys. No attorney-client relationship is established through the provision of these services. We do not endorse any particular attorney or legal service, and we provide no representation, guarantee, or warranty (explicit or implicit) regarding the legal competence, quality, or reliability of legal services provided by attorneys on the Site. As outlined in the Attorney Conduct Rules section below, Lawfull relies on attorneys to follow a set of terms, rules, and restrictions. We do not independently verify the compliance of individual attorneys. It is recommended that you independently verify the credentials of any attorney introduced to you through the Site.



For attorney users participating in the Site, you are required to adhere to the following terms, rules, and restrictions:

(a) You shall not provide specific legal advice in your content and must create content that is competent, appropriate, educational, and compliant with relevant laws, including ethics requirements of your jurisdiction(s).

(b) You affirm that you are an attorney in good standing with a license to practice law in at least one state within the United States or the District of Columbia.

(c) You have not been subject to grievances, claims, reprimands, censures, resignations, or other actions that would impede your ability to practice law.

(d) You recognize that the Rules of Professional Conduct in the jurisdictions where you are licensed apply to your involvement and you will comply with these Rules, including those related to advertising, client solicitation, attorney-client relationships, client confidentiality, unauthorized practice of law, and factual misrepresentations.

Lawfull disclaims responsibility for your adherence to these Rules and shall not be liable for your compliance or noncompliance, or for including or omitting required disclosures.


1. User Registration

The content on the Site is not intended for distribution or use by individuals or entities where such distribution or use would violate law or regulation, or subject us to registration requirements in those jurisdictions. If you access the Site from locations outside the United States, you are responsible for complying with local laws, if applicable.

Registration with the Site may be required. You must maintain your password confidentiality and are liable for all activities undertaken using your account and password. We retain the right to change or reclaim usernames at our sole discretion if a username is deemed inappropriate, obscene, or objectionable.

The Site is designed for users who are at least 18 years of age. Individuals under 18 are not authorized to use or register on the Site.

By using the Site, you confirm that: (1) all registration details you provide are accurate, current, and complete; (2) you will update your registration information as needed to keep it accurate; (3) you possess the legal capacity and agree to abide by these Terms; (4) you are not a minor in your jurisdiction; (5) you will not access the Site using automated means or non-human methods; (6) you will not use the Site for illegal or unauthorized purposes; and (7) your use of the Site will not violate any applicable laws.

Providing false, inaccurate, outdated, or incomplete information authorizes us to suspend or terminate your account and disallow current or future use of the Site.


2. Accounts, Fees, and Payment

You are responsible for ensuring that your purchase information is accurate and complete for all transactions on the Site. You also agree to update your account and financial information promptly, including email address, payment method, and card expiration date, for successful transactions and communication.

You authorize us to charge your selected payment method for purchases at the prevailing prices. Sales tax may be added to purchase prices as required by law. All payments are to be made in U.S. dollars.

Fees may be charged per purchase or on a recurring basis (e.g., monthly). For recurring charges, you consent to automatic payments without requiring individual approval for each charge. Recurring charges will continue until you cancel, and renewal charges are based on current rates.

Failure to make timely payments may lead to your responsibility for reasonable expenses incurred by us to collect such amounts, including attorney fees. Non-payment can result in suspension of access to services.

We retain the right to reject any order placed on the Site. We also retain the right to correct errors in pricing, even after payment is received.


3. Refund Policy

Contacting our customer support can resolve issues, offer refunds, or credit for future services. Refund requests must be submitted within 30 days of purchase to be considered. The maximum liability of Lawfull, its subsidiaries, and associated companies is the amount paid by the customer. Please see the Limitation of Liability section below for more details.


4. Intellectual Property Rights

The Site, unless otherwise indicated, is our proprietary property. Content on the Site, such as source code, databases, functionality, software, website designs, audio, video, text, photos, and graphics (referred to as “Content”), along with trademarks, service marks, and logos (collectively “Marks”), are owned by us or licensed to us. These elements are protected by copyright, trademark laws, and other intellectual property rights. Content and Marks are provided on the Site for personal use and information purposes. Except as expressly provided in these Terms, no part of the Site, Content, or Marks may be copied, aggregated, republished, sold, encoded, or used for commercial purposes without our written permission.

Eligible users may access and use the Site and download or print Content for personal, non-commercial use. We reserve all rights not expressly granted to you in relation to the Site, Content, and Marks.


5. Prohibited Activities

The Site should be used for its intended purpose and may not be used for commercial activities, except with our endorsement. You are prohibited from accessing the Site for purposes other than those we provide. Moreover, your use of our services must be in compliance with your local laws.

As a Site user, you agree not to:

Use the Site for frivolous, immaterial, illegal, or repetitive legal matters, or cases involving foreign legal jurisdictions.
Utilize the Site for legal matters related to violent crime.
Employ the Site for legal matters involving your current or potential legal counsel.
Use the Site for legal matters related to Lawfull, its affiliates, directors, agents, employees, or service providers.
Systematically extract data from the Site without written permission.
Engage in unauthorized actions on the Site, such as collecting user information for unsolicited emails, creating user accounts using automated methods, or using purchasing agents.
Advertise or offer goods and services on the Site.
Circumvent, disable, or disrupt security features of the Site.
Engage in unauthorized framing or linking to the Site.
Mislead us or others, including attempts to access sensitive account information.
Misuse support services or submit false reports.
Employ automated systems, scripts, or similar tools to interfere with the Site.
Impersonate another user or person.
Sell or transfer your profile.
Harass, abuse, or threaten our employees or agents.
Delete copyright or proprietary rights notices.
Copy or adapt the Site’s software.
Upload viruses, Trojans, or other harmful materials.
Interfere with the Site’s features or network.
Attempt to bypass measures that restrict access to the Site.
Disparage, tarnish, or harm us or the Site.
Use the Site in ways contrary to applicable laws or regulations.

6. Third-party Websites and Content

The Site may link to Third-Party Websites and contain Third-Party Content. We do not monitor or verify these Third-Party Websites or Content for accuracy, appropriateness, or completeness. We are not responsible for Third-Party Websites or Content accessed through the Site. Inclusion of such links or content does not imply our endorsement. By leaving our Site and accessing Third-Party Websites, you assume any associated risks and acknowledge that these Terms no longer apply. It is advised to review the terms and policies of Third-Party Websites. We are not liable for your interactions with Third-Party Websites or any purchases made through them.


7. U.S. Government Rights

Our services are considered “commercial items” as defined by the Federal Acquisition Regulation. For acquisition of our services by non-Department of Defense (DOD) agencies, they are subject to these Terms under FAR 12.212 and FAR 12.211. For acquisition by DOD agencies, they are subject to these Terms under DFARS 227.7202-3. This supersedes other clauses governing government rights.


8. Site Management

We retain the right, without obligation, to:

Monitor the Site for violations of these Terms.
Take legal action against those violating these Terms.
Refuse, restrict, or disable user content.
Remove files and content burdensome to our systems.
Manage the Site to protect our rights and facilitate its functioning.


9. Term and Termination
These Terms shall remain in full force and effect while you use the Site. Without limiting any other provision of these terms, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the site (including blocking certain IP addresses), to any person for any reason or for no reason, including without limitation for breach of any representation, warranty, or covenant contained in these terms or any applicable law of regulation. We may terminate your use or participation in the site or delete your account and any content or information that you posted at any time, without warning, in our sole discretion.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.


10. Modifications and Interruptions
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.


11. Governing Law
These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles.


12. Dispute Resolution
Informal Negotiations
To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms (each a “Dispute” and collectively, the “Disputes”) brought by either you or us (individually, a “Party” and collectively, the “Parties”), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. You understand that without this provision, you would have the right to sue in court and have a jury trial. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes (“AAA Consumer Rules”), both of which are available at the AAA website Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined to by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Kent County, DE. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Kent County, DE, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms.

In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than one (1) years after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions to Informal Negotiations and Arbitration
The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.


13. Disclaimer
Legal Templates provides a platform for information, draft templates, and self-service. Our templates and content are intended for private use and are not legal advice. We do not review information you provide us, nor do we offer any opinions, legal or otherwise, regarding the information you provide. If you need legal advice, please contact an attorney. As we are not a law firm or attorney, your use of our website does not create an attorney-client relationship.

The site is provided on an as-is and as-available basis. You agree that your use of the site and our services will be at your sole risk. To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the site and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We make no warranties or representations about the accuracy or completeness of the site’s content or the content of any websites linked to the site and we will assume no liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the site, (3) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (4) any interruption or cessation of transmission to or from the site, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the site by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the site. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the site, any hyperlinked website, or any website or mobile application featured in any banner or other advertising, and we will not be a party to or in any way be responsible for monitoring any transaction between you and any third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.


14. Limitations of Liability
In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the site, even if we have been advised of the possibility of such damages. notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to us during the six (6) month period prior to any cause of action arising. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply to you, and you may have additional rights.


15. Indemnification
You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Site; (3) breach of these Terms; (4) any breach of your representations and warranties set forth in these Terms; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.


16. User Data
We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.


17. Electronic Communications, Transactions, and Signatures
Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. You hereby agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or via the site. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.


18. California Users and Residents
If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.


19. Miscellaneous
These Terms and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. These Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Terms or use of the Site. You agree that these Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms and the lack of signing by the parties hereto to execute these Terms of Use.