Terms of Service

1. Welcome & Acceptance of These Terms

Welcome to Carat & Ore! We at Carat & Ore, Inc. (together with its affiliates and subsidiaries, “Carat & Ore,” “we,” “us” or “our”) operate a service that offers you a safe, convenient and fast way to sell your gold, silver, platinum, and diamond jewelry, and get paid directly from us in return.

1.1 About these Terms. The following terms and conditions (these “Terms”) govern the operation of our website, https://caratandore.com (together with any other digital properties under Carat & Ore’s control or ownership where these Terms are displayed, the “Site”), and our purchasing service (the “Services”). These Terms, along with the terms in any of our forms you submit through the Site and/or when using the Services, constitute a legally binding contract by which we operate the Site and provide the Services. These Terms hereby directly incorporate our Privacy Policy, which further discusses our collection and processing of personal information, as well as your rights in relation to your information.

BY ACCESSING AND USING THE SITE OR SERVICES IN ANY MANNER, INCLUDING, BUT NOT LIMITED TO, VISITING OR BROWSING THE SITE, REGISTERING AN ACCOUNT, OR CONTRIBUTING CONTENT TO THE SERVICES, YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DISCONTINUE USE OF THE SITE AND THE SERVICES IMMEDIATELY.

IMPORTANT NOTICE FOR RESIDENTS IN THE U.S. AND CANADA ONLY: THIS AGREEMENT AND YOUR USE OF THE SERVICES IS SUBJECT TO BINDING ARBITRATION AND A WAIVER OF CLASS ACTION RIGHTS AS DETAILED BELOW.

Please note that the Services are intended for U.S.-based sellers only. Our return-related Services are only available for return shipment to the 50 U.S. states and the District of Columbia (collectively, the “Eligible Return Territory”). We do not ship outside the Eligible Return Territory, and do not ship or return to P.O. boxes, to U.S. territories or to international locations.

1.2 Updates to these Terms. Carat & Ore reserves the right to modify these Terms, at any time, at our sole discretion. The revised Terms will be effective on or after the posted date. If we make a material change to these Terms, we will provide you with notice of the revised Terms, which may include, for example, notice via email, a posted notice on the Services, or another manner. You acknowledge and agree that if you use the Services after the date on which these Terms have changed, we will treat your use as acceptance of the updated Terms.

2. Services

Our simple-to-use seller Services are conducted via the following steps:

1. Apply online to sell your item(s) and receive an initial estimate.
2. Pack and ship your item(s) to us using our prepaid, insured shipping label.
3. Our certified experts assess your item(s) and we present you with an offer.
4. You accept or decline our offer.
5. If you accept, we send you your payment.

Step 1: Apply Online and Receive an Initial Estimate

You may apply to sell item(s) owned by you by filling out our request form (the “Request”). When you fill out the Request, you will be asked to provide us with a complete and accurate description of the item(s) you are seeking to sell. The more accurate and detailed the description and history of the item you provide us, the more likely it is that we will be able to provide you with an accurate initial estimate of the item’s value.

In most cases we will provide you with a non-binding initial estimate of the potential value of your item, based on the description you submitted. This estimate is provided solely as a non-binding estimation, at our sole discretion, and may differ from the actual value determined after our in-person assessment. We reserve the right to refuse to assist in the purchase of any item for any reason, at our sole discretion. A transaction is deemed complete after payment is sent by Carat & Ore and accepted by you.

REQUIREMENTS AND LIMITS ON USE OF THE SERVICES. BY USING THE SERVICES, YOU ARE UNDERTAKING THAT YOU WILL ONLY USE THE SERVICES TO SELL ITEMS THAT BELONG TO YOU. YOU TAKE FULL RESPONSIBILITY FOR ANY ITEM THAT YOU SELL THROUGH THE SERVICES, AND AGREE TO HOLD CARAT & ORE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND REPRESENTATIVES HARMLESS FOR ANY LOSS RELATED TO ANY UNAUTHORIZED ITEMS SOLD BY YOU THROUGH THE SERVICES. THE SALE OF STOLEN PROPERTY, PROPERTY TAKEN WITHOUT AUTHORIZATION FROM ITS RIGHTFUL OWNER OR PROPERTY THAT IS NOT FREE FROM ALL SECURITY INTERESTS, LIENS, OR ENCUMBRANCES VIOLATES STATE, FEDERAL, AND INTERNATIONAL LAW AND IS ABSOLUTELY PROHIBITED BY THESE TERMS. WE WILL NOTIFY LAW ENFORCEMENT OF ANY ATTEMPTS TO SELL STOLEN PROPERTY THROUGH THE SERVICES AND WILL SUPPORT THE INVESTIGATION AND PROSECUTION OF SELLERS WHO VIOLATE THESE TERMS.

Step 2: Pack and Ship Your Item(s) to Us

If you wish to proceed, the next step will be to use a prepaid shipping label that we provide. This label will enable you to ship us the item(s) to one of our secured facilities. Your item(s) will be insured in transit subject to the terms, limitations and requirements of our current insurance policy as of the date that a covered loss occurs (the “Insurance Coverage”), provided that you use the prepaid shipping label and packaging instructions we provide. Only the item(s) that are listed in your account at the time of shipment will be covered by insurance.

To keep your Insurance Coverage valid and to reduce the risk of loss in transit, you must follow our packing and shipping instructions, including:

• Ship your item(s) within the timeframe stated when you receive your label.
• Take detailed photographs of your item(s) and any accompanying items before sending the shipment, to assist with the claims process in the unlikely event of loss or damage.
• Pack your item securely using the materials and double-packaging method described in your shipping instructions, and seal all containers fully.
• For your safety, do not indicate the contents on the outside of the package and do not disclose the contents to anyone, including during drop-off or pickup.
• Hand your package directly to a carrier employee where possible and obtain a printed receipt with the tracking number; do not leave the package unattended.

Shipping labels provided by Carat & Ore are only valid for shipment via the carrier we designate. If you choose to ship your item(s) to us using a shipping label or service other than that provided by us, you shall be solely responsible for delivery costs and related insurance, and our Insurance Coverage will only begin when your item(s) are received by us and logged in our inventory management system.

Note regarding accompanying items: Please do not send any additional items with your item(s) unless we have specifically asked you to do so. If additional items are included in your shipment that were not specifically requested by us, we are not liable for loss or damage to these items and cannot guarantee their successful return.

Step 3: Assessment and Offer

Once we receive your item(s), our internal experts or reputable third-party labs and experts will conduct a physical assessment of the item(s) in order to verify and certify the item’s authenticity, composition, and condition. Metals are assessed using industry-standard testing (such as XRF analysis) and diamonds are graded using recognized standards. By sending the item to us for a physical assessment, you understand that certain items might require in-depth examination to fully assess them. We will not be liable for damage that existed prior to shipping the item to us or incurred due to improper packaging while in transit to us. Our examination might result in slight physical alterations as part of cleaning, servicing, or testing; we will not be held responsible for any such reasonable changes due to the assessment.

Following the professional assessment, we will either (a) present you with an offer to purchase your item based on our assessment and real-time market prices, or (b) decline to purchase your item if it materially differs from the description provided, is inauthentic, is in unsatisfactory condition, or is otherwise not suitable for purchase, as determined by us at our sole discretion. In the case of (b), we will notify you of our decision and return the item to you in accordance with Section 3 below.

Our offer is valid for the period stated when it is presented to you. You may choose to accept or decline the offer at your discretion. If you decline the offer, we will return your item to you at no charge in accordance with Section 3 below. Before the purchase of your item is completed, you may be asked to present a copy of and/or identifying information from a valid government-issued photo identification.

Step 4: We Send You Your Money

After you accept our offer, we will send you the agreed amount via the payment method you have chosen. You may choose to receive payment by ACH or wire transfer directly to your U.S. bank account. In some cases, one or more payment methods may be unavailable for operational, technical, or legal reasons. Note that we will only make money transfers in U.S. dollars to bank accounts located in the U.S. Payments could be delayed as a result of any inaccuracies in payment information you provide to us. In some cases, we will be required to verify your identifying information and verbally confirm the payment amount prior to sending the payment, in order to aid our compliance with federal regulations.

3. Returning Your Item

In the event that you decline our offer, your item is not purchased by us for any reason, or there is a Seller Unresponsiveness (as defined below), we will return your item to you at no charge. The item will be shipped at our expense using the carrier elected by us (the tracking number, if available, will be sent to you following its shipment) and will be covered in case of loss or damage in accordance with the applicable insurance policy benefits extended by us.

All returns are subject to the following conditions:

• We will return your item via insured shipping to an eligible carrier-operated retail location of your choice within the Eligible Return Territory, or to an alternative address subject to the terms governing Alternative Return Specifications described below.
• You will have up to 72 hours from our initial email regarding the return of your item(s) to inform us of any preference for an alternative shipping method, higher insurance coverage, or an alternative return shipment location (“Alternative Return Specifications”). If you request Alternative Return Specifications, you understand and acknowledge that we will not extend any insurance benefits towards such a return shipment and that you assume any risk of loss or damage to your item(s) once we have remitted the item(s) to the shipper.
• Our complimentary return service is limited to one shipment per item. If your shipment is returned to us for any reason, you will be responsible for shipping and administrative costs incurred by us for each subsequent return shipment attempt.
• Your signature and presentation of a valid form of identification may be required in order to pick up your item(s).
• In the event you do not confirm within the relevant Holding Period (as defined below), such items will be subject to the Escheatment Remedies (as defined below).

Once you have received your return shipment, promptly and carefully unpack it and inspect all contents. Once you have received your return, you have 7 days to notify us of any damage or loss, which must be documented by way of photographs of the item(s) and all included packaging and paperwork and/or other proof of loss or damage.

4. Insurance Claims Process

In the unlikely event that your item(s) are lost or damaged either while in transit to or from Carat & Ore or while in our possession, we will conduct an investigation and, if warranted, initiate a claims process with the relevant carrier and/or insurers to seek reimbursement for the loss or damage incurred. Your cooperation is essential at various stages of the insurance claims process. You agree to provide prompt and sufficient responses to any requests for information and participate in telephone calls as may be reasonably required to evaluate a claim.

Carat & Ore is the insured party for all claims, and the proceeds of a successful insurance claim, if any, will be forwarded to you by us following payment by the insurer(s). The decision to file a claim is at our sole and final discretion. If the claim is approved, the insurer will remit payment to us for the approved amount less any contractually required deductibles and fees, and we will forward this payment to you within a reasonable time of receiving the funds from the insurer.

5. Required Communications, Administrative Fees & Unclaimed Items

5.1 Required Communications. At various points in the delivery of the Services, we are only able to move forward after obtaining a decision or feedback from you. Without limiting the generality of any requirements set forth in these Terms, it is imperative that you communicate with us throughout the Service process. In each case where we have detailed a situation requiring a communication indicating your acceptance, approval, rejection or denial, your failure to respond within a reasonable time frame (not to exceed 10 days) to three (3) or more attempts by a Carat & Ore representative (in each such case, “Seller Unresponsiveness”) may result in us returning your item to you. Upon any Seller Unresponsiveness lasting beyond 60 days, we may begin to charge reasonable and appropriate storage and administrative fees, not to exceed the maximum amount permitted by law (“Administrative Fees”).

5.2 Abandonment. In the event there is any Seller Unresponsiveness whereby Carat & Ore is holding your item(s) more than 6 months after our last communication with you (in each case, the “Holding Period”), we may choose to escheat your items to the Appropriate State (collectively, the “Escheatment Remedies”). Once we have undertaken to remit your item(s) to the relevant State via the Escheatment Remedies, we will have no further obligation to you or responsibility for your item(s), and you will be liable for contacting the Appropriate State in order to claim your items, at your own cost. As used in these Terms, “Appropriate State” means the State of your residence as acknowledged by you to be the return address provided upon initial application to us, or such other return shipping address you provided to us in writing thereafter.

6. Eligible Users and Acceptable Use

6.1 Age and Ownership Requirements. YOU HEREBY REPRESENT AND WARRANT THAT (I) YOU ARE EIGHTEEN (18) YEARS OF AGE OR OLDER, (II) YOU ARE THE RIGHTFUL OWNER OF, OR ARE LEGALLY ENTITLED TO SELL ANY ITEMS THAT YOU SELL THROUGH THE SERVICES, (III) THE ITEMS YOU SELL THROUGH THE SERVICES ARE FREE AND CLEAR OF ALL LIENS AND ENCUMBRANCES WHATSOEVER, AND (IV) YOU ARE LEGALLY ENTITLED TO FREELY SELL OR OTHERWISE TRANSFER THE ITEMS YOU SELL THROUGH THE SERVICES AT YOUR SOLE DISCRETION.

In the event that we are contacted by a third party claiming to be the rightful owner of item(s) sent to us by you, we are not obligated to adjudicate any dispute over ownership and will not ship the item(s) to any party without a valid court order or other legally enforceable directive.

6.2 Names and Photographs. You undertake not to use our name or our brand names (or any name that is confusingly similar to either) for any purpose without our prior written permission. You undertake not to register any domain name that incorporates our names, trademarks or that is confusingly similar to our names or trademarks. Carat & Ore’s professional photographs of your item(s) are the property of Carat & Ore and may not be used by you or any third party for any commercial purpose without our prior express permission in writing.

6.3 Prohibited Uses. As a condition to your use of the Site and Services, you agree that you will not use the Site and Services for any purpose that is unlawful or prohibited by these Terms or any applicable law. Prohibited uses include, but are not limited to, competitive analysis, data mining or scraping. In addition, you may not use the Site, the Services, or any of your communications with us to: (a) defame, abuse, harass, threaten or otherwise violate our legal rights or the legal rights of others; (b) offer to sell any item that infringes or otherwise violates a third party’s rights; (c) provide false, inaccurate, or misleading personal information; or (d) violate any applicable government laws or regulations. As far as your actual usage of the Services, you shall not (directly or indirectly): access the Services other than by the interfaces provided by us; take any action that imposes an unreasonable load on our infrastructure; interfere with the proper working of the Services; bypass any of our access measures; reverse engineer any part of the Services; or create derivative works of any part of the Services.

6.4 Intellectual Property and Ownership. Content included on or comprising the Site or Services, including information, data, software, photographs, graphs, videos, typefaces, graphics, music, sounds and other material (collectively “Proprietary Material”) are protected by copyrights, trademarks, patent or other proprietary rights. All Proprietary Material is copyrighted as a collective work under U.S. and international copyright laws, and Carat & Ore owns, to the fullest extent allowed by such laws, the copyright in the selection, coordination, arrangement, and enhancement of such Proprietary Material. Except as expressly authorized or licensed, you may not copy, modify, publish, transmit, participate in the transfer or sale of, create derivative works from or in any way exploit any of the Proprietary Material, in whole or in part.

7. Membership and Registration

In order to use the Services, you will be asked to become a registered member (“Member”) and provide us with certain identifiable information about yourself. By becoming a Member, you agree to provide accurate and complete information as requested during the registration process, and to update such information as necessary from time to time. You will be asked to submit your email address and choose a unique password which will enable you to access the Services and your account. As the Member account owner, you are solely responsible for the activity that occurs through your account. We will not be liable for losses caused by any unauthorized use of your account, and we strongly recommend you notify us immediately of unauthorized use or access to your Member account.

8. Fees

While access to the Site is free, the Services offered to you may include service fees, as described in detail in our FAQs. All fees, estimations and offers are made in U.S. dollars.

9. Right to Deny or Limit Access

We have the right, but not the obligation, to provide you with access to the Site or Services. Accordingly, we reserve the right to deny or limit access to any Site users whose behavior and use of the Services we find to be abusive, illegal, disruptive, or that might otherwise fail to conform to our standards and these Terms. We reserve the right to limit or revoke your access in full or in part to the Site, at our sole discretion, at any time, and for any reason, including, but not limited to, violation of these Terms.

10. Ownership of the Services

The underlying platform of the Services is either our proprietary property, or the proprietary property of our licensors or licensees. “Carat & Ore” and other trademarks, slogans, service marks, trade names, and trade dress which appear via the Services are proprietary to us. Except as expressly set forth herein, no right, license, or interest to such trademarks are generated or granted hereunder. The Services may contain links to third party websites that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party websites.

11. Warranties

THE SITE AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND AN “AS AVAILABLE” BASIS, AND CARAT & ORE DOES NOT WARRANT THAT USE OF THE SITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. NEITHER CARAT & ORE NOR ITS ASSOCIATES WARRANT THE ACCURACY, INTEGRITY, OR COMPLETENESS OF THE CONTENT PROVIDED ON THE SITE OR SERVICES. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT FOR THE USE OF THE SITE. YOU EXPRESSLY AGREE THAT USE OF THE SERVICES IS AT YOUR SOLE RISK.

12. Limitation of Liability and Indemnification

12.1 Disclaimer of Liability. UNDER NO CIRCUMSTANCES SHALL CARAT & ORE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF OR INABILITY TO USE THE SERVICES, INCLUDING BUT NOT LIMITED TO RELIANCE BY A USER ON ANY INFORMATION OBTAINED AT THE SERVICES, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. This Section 12.1 does not apply to New Jersey residents.

12.2 Indemnification. You agree to release, indemnify, and defend Carat & Ore, Inc. and any subsidiaries, affiliates, related companies, suppliers, licensors and partners, and the officers, directors, employees, agents and representatives of each (the “Carat & Ore Entities”) from all third-party claims and costs (including reasonable attorneys’ fees) arising out of or related to: (1) your use of the Site or Services; (2) your conduct or interactions with other users of the Site or Services; (3) your breach of these Terms. We reserve the right, at our own expense, to assume the exclusive defense of any matter otherwise subject to indemnification by you.

13. Privacy

We understand the importance of guarding the privacy of the Services’ users and, except for information provided in connection with a sale or as required by law, undertake to not share your personal information with any third party without your permission. To learn more about how we protect your personal information, please refer to our Privacy Policy.

14. User Feedback and Input

By submitting any comments, feedback, and reviews through the Site, including via e-mail (“User Feedback”), you grant us a perpetual, irrevocable, royalty-free, transferable right and license to use, copy, modify, adapt, publish, translate, create derivative works from and/or distribute such content and/or incorporate such content into any form, medium or technology, including without limitation marketing materials, throughout the world without compensation to you.

In addition, any concepts, ideas, and materials that you transmit to the Site or otherwise provide us, including information about or photographs of your item(s) (“User Input”), shall be and remain our property. With respect to any User Feedback or User Input submitted by you, you hereby represent and warrant that: (i) you are the sole author of such content and have all rights required to submit such content; (ii) such content is not known by you to be false, inaccurate or misleading; (iii) such content is non-confidential and non-proprietary and does not infringe the right of any third party; and (iv) such content does not contain any unlawful, threatening, libelous, defamatory, or otherwise objectionable material. For the avoidance of doubt, personal information submitted by you in the course of applying for the sale of an item shall not be considered “User Feedback” or “User Input” and shall be treated by us in accordance with our Privacy Policy.

15. Agreement to Arbitrate Disputes for Users in the U.S. and Canada

PLEASE READ THE FOLLOWING CLAUSES CAREFULLY – THEY MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

15.1 Initial Dispute Resolution. We are available by email at [email protected] to address any concerns you may have regarding your use of the Services. Most concerns may be quickly resolved in this manner. Each of you and we agree to use best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations, which shall be a precondition to either party initiating a lawsuit or arbitration.

15.2 Agreement to Binding Arbitration. For all disputes and claims other than those regarding Carat & Ore’s IP rights as described in these Terms, if we do not reach an agreed-upon solution within a period of thirty (30) days from the time informal dispute resolution is pursued, then either party may initiate binding arbitration. All claims arising out of or relating to these Terms (including their formation, performance and breach), your and our relationship and/or your use of the Site or Services shall be finally settled by binding arbitration.

15.3 Arbitration Procedures. All such claims shall be finally settled by binding arbitration administered by JAMS in accordance with the JAMS Streamlined Arbitration Procedure Rules for claims that do not exceed $250,000 and the JAMS Comprehensive Arbitration Rules and Procedures for claims exceeding $250,000 in effect at the time the arbitration is initiated, excluding any rules or procedures governing or permitting class actions. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be written and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction. To start an arbitration, you must write a Demand for Arbitration that includes a description of the claim and the amount of damages you seek to recover, send the appropriate copies and filing fee to JAMS, and send one copy of the Demand for Arbitration to Carat & Ore at the information listed in “Contact Us” below. To the extent the filing fee for the arbitration exceeds the cost of filing a lawsuit, we will pay the additional cost. If you are a resident of the U.S., arbitration may take place in the county where you reside at the time of filing. For individuals residing outside the U.S., arbitration shall be initiated in the State of New York.

15.4 Waiver of Jury Trial. You and we understand that, absent this mandatory provision, you and we would have the right to sue in court and have a jury trial. You and we further understand that the right to discovery may be more limited in arbitration than in court.

15.5 Class Action and Class Arbitration Waiver. You and we each further agree that any arbitration shall be conducted in our respective individual capacities only and not as a class action, and you and we each expressly waive our respective right to file a class action or seek relief on a class basis. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provision set forth above shall be deemed null and void in its entirety.

15.6 Exception – Small Claims Court Claims. Notwithstanding your and Carat & Ore’s agreement to resolve all disputes through arbitration, either you or Carat & Ore may seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction.

15.7 Opt-Out of Agreement to Arbitrate. You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth above by sending written notice of your decision to opt out by emailing us at [email protected], and providing the following information: (i) your name, (ii) your email address; (iii) your mailing address; and (iv) a statement of your wish not to resolve disputes with Carat & Ore through arbitration. The notice must be sent within thirty (30) days of your agreement to these Terms, otherwise you shall be bound to arbitrate disputes in accordance with the terms of this Section. If you opt out of these arbitration provisions, Carat & Ore also will not be bound by them.

16. Miscellaneous

16.1 Entire Agreement. These Terms, and any other legal notices published on the Site or Services, shall constitute the entire agreement between you and Carat & Ore concerning the Services, and supersede all prior terms, agreements, discussions and writings regarding the Services.

16.2 Severability. If any provision of these Terms is found to be unenforceable or unlawful by a court of competent jurisdiction, then that provision shall be deemed severable and not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

16.3 No Waiver of Any Terms. No waiver of any term shall be deemed a further or continuing waiver of such term or of any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of that right or provision.

16.4 Governing Law. The laws of the State of New York will govern these Terms without giving effect to any principles or conflicts of laws. We reserve the right to make changes to the Services and these Terms at any time by updating this posting.

17. Contact Us

We welcome your questions and comments about these Terms. You may contact us at any time via:

• Email: [email protected]
• Phone: 1 (888) 703-7592