IntrospAction

Privacy Policy

Last updated September 7th, 2025

BC1194833 Ltd. (“us,” “we,” or “our”) operates the IntrospAction website and mobile application (the “Service”). We respect our users’ privacy. Please take a moment to familiarize yourself with our privacy practices and let us know if you have any questions.

This Privacy Policy (“Policy”) explains our policies regarding the collection, storage, use, transfer and disclosure of Personal Information when you use our Service. The Policy does not address our collection of Personal Information from other sources. The Policy applies to you if you are a user, Advisor or other visitor to our website and/or Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The Personal Information you provide us will be used to provide and improve the Service. By using the Service, you agree to our collection and use of information in accordance with this Privacy Policy. Unless otherwise defined in this Policy, the terms used here have the same meanings as in our Terms of Use.

This privacy policy has been updated to comply with the EU’s General Data Protection Regulation (GDPR).

It is your responsibility to read this Policy. If you do not accept this Policy, you must not use the Service.

Information Collection And Use

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to purchase the Service and to contact or identify you. Personally identifiable information may include, but is not limited to, your email address, name, phone number, postal address, or credit card or other financial information (“Personal Information”). If you are using the Service as an Advisor, you may be required to provide additional information, including, but not limited to, photo identification or other identity-verifying information and tax related documents, such as a Form W-9 or Form W-8BEN, that will be maintained in our databases. Even though you may provide us with credit card or other financial information, we do not handle, process, or store that information. Payment for our Service is processed through a carefully selected third party, such as PayPal or Stripe. Personal Information shared with third party payment services will be used only in accordance with the terms of the third party services. We retain sole discretion to choose another third party payment service.

You understand that you are providing us with this information voluntarily and it will be shared with third parties in connection with processing payment and the performance of the Service. Your Personal Information may also be used to send you updates regarding our company, to respond to your requests for information or customer service, or to inform you of other services or benefits that you may be interested in.

The following is a list of personal information that may be collected by IntrospAction:

• Email address
• Login name
• Full name
• PayPal payer ID
• PayPal email address
• IP address
• Geographic location
• Profile photo
• Live chat transcripts
• Video recordings
• In-app messages
• Favorite advisors list
• Reviews
• Information in your customer service inquiries

This information will be stored on third party partner servers (e.g. Amazon Web Services) for as long as your account is active. User data is hosted on servers belonging to third parties with whom we have signed Data Processing Agreements. All third party partners are GDPR-compliant. All communications on IntrospAction are stored, and are used for analytics purposes, for quality assurance, and to maintain long term relationships between clients and advisors.

Rights Under GDPR

Under certain circumstances, users based in the EU have rights under data protection laws in relation to your personal data, namely:

• Access, correction, update, or erasure of your data: You may have the right to request access, correction, update, or erasure in regards to any personal data we hold about you. We will consider your request in accordance with applicable laws.
• Restriction of processing your personal data: You may have the right to prevent or restrict processing of your personal data.
• Portability of your personal data: You may have the right to request transfer of your personal data to a third party, when technically feasible.

You can exercise any of these rights by contacting us.

Additional Information for California Residents

This section contains information about policies that apply solely to California residents who use Site and/or Services. If you are a California resident, as of January 2020 you have certain rights regarding your personal information under the California Consumer Privacy Act of 2018 (“CCPA”):

(1) Right to Know About Personal Information Collected, Disclosed, or Sold

You may request that we provide you with the following information:

• The categories or specific pieces of personal information that we have collected about you.
• The categories of sources from which the personal information was collected.
• The purposes for collecting, using, or selling that personal information. Please note that we do not sell personal information (as we understand the term “sell” to be defined in the CCPA).
• The categories of third parties with whom we shared that personal information.
• The categories of personal information we have disclosed or sold for a business purpose.

Details about the personal information we collect can be found in the “Information Collection and Use” section of this Privacy Policy. The supplemental policy for the CCPA regarding the personal information we have collected over the last 12 months, including the categories of personal information, business purposes, and whether we collect or sell your personal information are provided below:

Sources of Your Personal Information

The personal information we collect is obtained from the following sources:

• Directly from you. For example, from forms you complete in our app or website, advisor applications or the purchase of products.
• Indirectly from you. For example, through your interactions on our apps or websites.
• From third parties. For example, third party social networking providers, analytics services, advertising companies, and affiliates. If you do not want us to collect information from such third parties, you should review and adjust your privacy settings on those networks accordingly. To assist you in doing this:
  • Google Analytics: Opt-out page
  • Facebook (advertising and analytics): Ad settings
  • Mixpanel (analytics): Contact IntrospAction Customer Support

(2) Right to Request Deletion of Personal Information

Subject to certain limitations, you may request that we delete the personal information that we have collected about you. Upon verification of your request, we will queue your request for processing and notify you. If your request is denied, we will reply explaining why.

(3) Right to Opt Out of the Sale of Personal Information

Your personal information is “sold” (as we understand the term “sell” to be defined in the CCPA) when it is shared with a third party for monetary or other valuable consideration for a purpose that is not a “business purpose” as defined in the CCPA. We do not sell your personal information.

If you would like to opt out of promotional email messages, you may do so by clicking the “Unsubscribe” link in any of the email messages you receive.

(4) Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights

We will not discriminate against you for exercising your rights under the CCPA.

To exercise the “Right to Know” or the “Right to Request Deletion”, please email Customer Support. Before processing your request, we may ask to verify your identity or the identity of your authorized agent. Requests will be handled within the timeframes specified in the CCPA.

Information Sharing and Disclosure

Your personal information will be used primarily in connection with operating and facilitating the Service. However, we may send your Personal Information to other companies or people:

• such as our subsidiaries and/or affiliates;
• when we have your consent to share the information;
• when we need to share your information to provide the Service;
• when we need to send the information to companies who work on our behalf to provide the Service;
• when we team up with another company to offer or provide products, services, contests, or promotions;
• to perform data analyses (including market research); or
• when we respond to subpoenas, court orders or legal process; or find that your actions on our web sites violate the Terms and Conditions, or any of our usage guidelines for specific products or services.

Log Data

We collect information sent to us when you visit the IntrospAction website or use the mobile application (“Log Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”) address, browser type, browser language, referring/exit pages and URLs, platform type, number of clicks, domain names, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages and other statistics. When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile devices unique device ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use and other statistics. We log this information for our internal use to help diagnose technical problems and to further administer and improve the quality of our services to you. We also maintain a record of your IP address to analyze the use of our Services on an aggregate basis. This information is helpful to understand your preferences when using our Services and enables us to customize and tailor your experience with us to your likes and dislikes, as well as to your geographical location. Some of this information is analyzed and used internally in order to develop, market or advertise new products or services that we think might interest you. We may also share this information with advertisers and other third parties at our sole discretion.

In addition, we may use third party services such as Google Analytics that collect, monitor and analyze this type of information in order to increase our Service's functionality. This analysis helps us to (i) better understand your use of, or interest in, our products, services, content, as well as the products, services and content offered by others; (ii) communicate with you via email, regular mail, telephone and/or mobile devices about products or services that you may be interested in; and (iii) develop, display, and tailor content and advertising to your interests.

Security

The information you provide to us will be kept in our database. The security of your Personal Information is important to us but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security and any transmission of Personal Information is done at your own risk. We rely on professional hosting solutions that use reasonable care in maintaining security measures to protect you and our systems against unauthorized access to, or alteration, disclosure, destruction or loss of personal data hosted on our system. These protections, however, are not a replacement for the security measures in your control. It is important that you protect against unauthorized access to your password and to your computer or mobile device.

Cookies

Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Cookies allow your server or device to store its own information and can be used to customize pages and automatically recognize you based on your past usage. Cookies can help streamline your user experience and specifically tailor your information for your experience.

We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. Rejecting cookies, however, may affect your ability to use the Service and some program features or services may not function properly if cookies are disabled. If you do not reject cookies, we assume that you consent to the use of cookies.

Do Not Track Disclosure

We do not support Do Not Track (“DNT”). Do Not Track is a preference you can set in your web browser to inform websites that you do not want to be tracked. You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Third Party Service Providers

This Policy exclusively addresses our activities from our servers and does not make promises or guarantees as to other third party sites or services that may be used in conjunction with our Service. We may employ third party companies and individuals to facilitate our Service, to provide the Service on our behalf, to perform Service­related services or to assist us in analyzing how our Service is used. We take care to select and enter into agreements with third parties capable of maintaining appropriate security measures that are in line with our policies and relevant privacy laws and regulations. These third parties have access to your Personal Information only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose. These third party service providers have their own privacy policies addressing how they use such information.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over, and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Communications

We may use your Personal Information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.

Compliance With Laws

We will disclose your Personal Information where required to do so by law or subpoena or if we believe that such action is necessary to comply with the law and the reasonable requests of law enforcement or to protect the security or integrity of our Service. We reserve the right to release all types of information to law enforcement agencies if we determine, in our sole judgment, that either you have violated our policies, or the release of information about you may protect the rights, property, or safety of us or another person.

Business Transaction

If BC1194833 Ltd. is involved in a merger, acquisition, asset sale, bankruptcy or reorganization, your Personal Information may be shared, as well as retained by us. By providing us with your Personal Information, you consent to that transfer.

International Transfer

Your information, including Personal Information, may be transferred to, and maintained on, computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.

If you are located outside United States and choose to provide information to us, please note that we transfer the information, including Personal Information, to United States and process it there. Your consent to this Privacy Policy, followed by your submission of such information, represents your agreement to that transfer.

Children's Privacy

Our Service is not marketed to under the age of 13, or the equivalent minimum age in the relevant jurisdiction, and we do not knowingly collect personally identifiable information from children. We encourage parents to be involved in the online activities of their children to ensure that no information is collected from a child without verifiable parental permission. If we become aware that a child has provided us with Personal Information, we will delete such information from our servers as soon as possible.

To use IntrospAction you must be at least 18 years of age. If you are under 18 years of age, please do not use our Service.

Changes To This Privacy Policy

We reserve the right to replace, modify or amend this Policy from time to time. It is your responsibility to review this Policy periodically for any changes. Changes to this Policy are effective when they are posted on this page, as reflected by updating the date at the beginning of this Policy, and your continued use of our Service represents your consent to any changes in our Policy. Any changes made will apply to information collected after the revised date.

Access To Personal Information

If your Personal Information changes, or if you no longer desire our Service, you may correct, update, delete, or deactivate it by making the change on the member information page or by emailing us at info@introspaction.com.

Opt-out

If you give the company your Personal Information and you wish to opt-out of receiving communications from us, our partners, or our third party providers, simply click on the opt-out link provided in the e-mail communication.

Terms and Conditions

Please also visit our Terms of Use and our Advisor Terms and Conditions which explain the use, disclaimers, and limitations of liability governing your use of our Service.

General Data Protection Regulation (GDPR)

For purposes of the EU’s General Data Protection Regulation (GDPR), the data controller is BC1194833 Ltd.., with an office at 1555 Richmond Ave., Victoria, BC, V8R4P7.

If you feel that your personal data has been processed in a way that does not meet the GDPR, you have the right to file a complaint with the relevant supervisory authority.

Notification in the event of a Data Breach

In the event of a data breach, we will notify the owners of IntrospAction accounts within 72 hours of the discovery of said breach.

Contact Us

If you have any questions about this Privacy Policy, please contact us at info@introspaction.com.

© 2025 BC1194833 Ltd..

THE INTROSPACTION MOBILE APPLICATION

The Service is a marketplace that brings advice-seekers and independent, professional psychic advisors (“Advisor(s)”) together through text or video. It allows You to search for, engage and submit questions to Advisors who provide personalized psychic advice.

BC1194833 LTD. IS A SOFTWARE COMPANY THAT BUILT THE INTROSPACTION PLATFORM TO CONNECT ADVISORS AND ADVICE-SEEKERS - IT DOES NOT DIRECTLY OFFER OR SELL ANY PSYCHIC ADVICE OR SERVICE.

You understand that any information provided to You by any Advisor is strictly for general entertainment purposes and that any consultation with any Advisor or any information provided by any Advisor is not a substitute for the advice and counsel of a qualified professional. We do not provide the Advisors with your personal information, such as your real name or email address, but may forward your nickname, date of birth and/or gender in connection with facilitating the Service. We do not guarantee the accuracy of a reading or any other advice exchanged.

WE PROHIBIT DISCLOSURE OF PERSONAL CONTACT INFORMATION TO OTHER USERS, INCLUDING CLIENTS AND ADVISORS. THIS INCLUDES, BUT IS NOT LIMITED TO, PHONE NUMBERS, ADDRESSES, AND E-MAIL ADDRESSES. IF YOU PROVIDE CONTACT INFORMATION TO ANOTHER USER, CLIENT OR ADVISOR, YOU DO SO AT YOUR OWN RISK AND YOUR ACCOUNT MAY BE SUBJECT TO TERMINATION.

LICENSE

Our Service allows You to post, link, store, share and otherwise make available certain information, messages, communications, text, graphics, images, audio, video, or other material (“Content”). You are responsible for the Content that You post to the Service, including its legality, reliability, and appropriateness.

With this Agreement, we grant You a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to use the Service only for its intended use – to submit questions to and receive psychic advice and feedback from Advisors for your personal entertainment only. We may terminate this license at any time for any reason whatsoever. You understand and agree that You are not permitted to use the IntrospAction logo or any of BC1194833’ patents, copyrights, trade secrets, trade names, trademarks (whether registered or unregistered), domain names or any other rights, functions or licenses as it is with respect to the Service for any purpose whatsoever, including, but not limited to, the advertising and marketing of your services.

COLLECTION AND USE OF YOUR INFORMATION

You acknowledge that when You download, install or use the Application, BC1194833 may use automatic means (including, for example, cookies, Apple’s Advertising Identifier (“IDFA”), and Google’s Advertising ID) to collect information about your mobile device and about your use of the Application. You also may be required to provide certain information about yourself as a condition to downloading, installing or using the Application or certain of its features or functionality, and the Application may provide You with opportunities to share information about yourself with others. All information We collect through or in connection with this Application is subject to Our Privacy Policy.

BY DOWNLOADING, INSTALLING, USING AND PROVIDING INFORMATION TO OR THROUGH THIS APPLICATION, YOU CONSENT TO ALL ACTIONS TAKEN BY US WITH RESPECT TO YOUR INFORMATION IN COMPLIANCE WITH THE PRIVACY POLICY.

CONTENT AND SERVICES

The Application may provide You with access to Company’s website located at www.introspaction.com (the “Website”) and products and services accessible thereon, and certain features, functionality and content accessible on or through the Application may be hosted on the Website (collectively, “Content and Services”). Your access to and use of such Content and Services are governed by Website’s Terms of Use and Privacy Policy http://www.introspaction.com, which are incorporated herein by this reference. Your access to and use of such Content and Services may require You to acknowledge your acceptance of such Terms of Use and Privacy Policy and/or to register with the Website and your failure to do so may restrict You from accessing or using certain of the Application's features and functionality. Any violation of such Terms of Use will also be deemed a violation of this Agreement.

ADVISORS

Advisors are not Our employees, consultants, agents or representatives. Advisors use the Service to provide clients with personalized readings and psychic advice for entertainment purposes. We do not guarantee the verification of qualifications, certifications, credentials, competence or background of any Advisor. Your relationship relating to the Service is strictly and solely with the Advisor. We do not endorse, recommend, evaluate, warrant or guarantee any opinion, response, advice, prediction, recommendation, information or other service provided by any Advisor. Advisors are not permitted to request your personal contact information, address, credit card, Paypal or other payment information, or other sensitive information of a similar nature. You must not provide any such information even if an Advisor violates these Terms and asks You for it. Advisors must also read and agree to the Advisor Terms and Conditions.

ORDERS, PAYMENT AND FEES

If You wish to place an order for a reading through the Service (“Order”), You may be asked to supply certain information relevant to your Order including, without limitation, your credit card number, the expiration date of your credit card, and your billing address. By submitting such information, You grant Us the right to provide the information to third parties for purposes of facilitating the completion of your Orders.

You understand that BC1194833 does not store your payment and/or credit card information and that all payments are processed separately either through in-app purchases, or through PayPal, or such other third party payment or service facility We choose. In addition to these Terms, You will be subject to PayPal’s, or such other third party’s terms and conditions, privacy policies and other applicable agreements.

At all times, You agree that You will provide true, complete and correct credit card and payment information and that You are authorized to do so. Once a payment is made for the Service, You agree that You will not seek to cancel, chargeback, or otherwise seek a refund on any basis that is fraudulent, misleading, or untrue. You agree to pay all fees and charges incurred in connection with your Orders at the rates in effect when the charges were incurred. In the event that your order is canceled or unfulfilled for any reason, your account will be credited accordingly. If a payment method is invalid, and you incur any past due amounts, IntrospAction reserves the right to charge any payment methods previously provided by you for any past due amounts (including any taxes and late fees) until such amounts are paid in full.

It is possible to purchase credits or tokens (collectively, “Credit”), both via the Application and the Website, which may be used to pay for future readings or Service. IF YOU DO NOT USE YOUR CREDIT FOR A PERIOD OF FIVE (5) YEARS AFTER IT IS PURCHASED, THE CREDIT MAY BECOME INACTIVE OR DORMANT.

You are solely responsible for any fees or other charges from your internet service provider and wireless communications provider for any data, video, audio or message services.

ACCOUNT MANAGEMENT FEE

IntrospAction may in its sole discretion charge an Account Management Fee of five dollars ($5.00) per month for all accounts. This fee will take effect after a twelve (12) month period of inactivity. Further, IntrospAction may in its sole discretion terminate your account if you do not use the Site or Services for a period of twelve (12) months from the date of the last use.

REFUND POLICY

Refund requests must be made by email transmission to info@introspaction.com, or via creating a help ticket by contacting our Customer Support team within 3 days of the completion of the Order. Refund requests must state the Order date & time and the Advisor name. Refunds cannot exceed the equivalent value of the Order for which the refund was requested. Refunds may be issued in the form of Credit or real world money, at Our sole discretion. We reserve the right to refund You partially or in full and also to refuse a refund request.

ACCOUNTS

When You create an account with Us, You must provide us information that is accurate, complete, and current at all times. Your failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account.

You understand that You are entirely responsible for safeguarding the password that You use to access the Service and for any activities or actions under your password, whether your password is with Our Service or a third-party service. You agree not to disclose your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of your account. BC1194833 will not be liable for any loss that You incur as a result of someone else using your account or your password.

You may not use as a username or nickname the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, a name that is otherwise offensive, vulgar or obscene, or a name that deceives or otherwise misleads others to believe You are someone that You are not.

You may not create multiple accounts, and shall at all times have at most one active account. You may not allow anyone else to use your account, username or password.

PROHIBITED CONTENT

We reserve the right to monitor any and all communication through the Service. By using the Service, You understand and agree that the following behavior is strictly prohibited and/or illegal and is not permitted at any time while using the Service:

• Using vulgar, offensive or obscene language.
• Sending or requesting sexually explicit images or other offensive content.
• Discussing or organizing illegal activity, such as how to obtain drugs or construct bombs.
• Harassing, threatening, or embarrassing another user.
• Infringing on another’s intellectual property, including, but not limited to, any copyright, trademark, rights of publicity, or other proprietary rights.
• Impersonating or attempting to represent any employee of BC1194833 or BC1194833 itself.
• Gambling activities, or the payment or acceptance of payments relating to gambling activities.
• Solicitation or provision of advice as to taxes, the value of securities, or the advisability of investing in, purchasing, or selling securities or any other negotiable instruments.
• Exploitation of, or the posting or requesting of any information from, a minor (anyone under the age of 18).
• Using racially, religious or sexually offensive language.
• Diagnosis of illnesses, provision of treatments, or prescription of medications.
• Posting, storing, or transmitting advertising, promotional material, or solicitations of goods or services, except where expressly permitted by BC1194833.
• Transmitting any virus, worm, Trojan Horse, or other harmful or disruptive component.
• Engaging in any other conduct that would be considered a criminal offense, give rise to civil liability, or violate any law or regulation.
• Invading the privacy of any other person.

You understand that if You cause or participate in any of the above-mentioned activities while using the Service, your account will be terminated and your actions may be reported to the proper authorities.

Additionally, the following policies and rules are incorporated into this agreement by reference and provide additional terms and conditions:

• User Services Rules Policy
• Payment Policy

AVAILABILITY, ERRORS AND INACCURACIES

We are constantly updating Our offerings of products and services on the Service. The products or services available on Our Service may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information on the Service and in Our advertising on other web sites.

We cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.

You understand that it is your responsibility to update the Application as new versions are released and that your failure to download a new version of the Application may prevent You from enjoying the most recent content and features. BC1194833 shall not bear any responsibility or liability for your failure to update the Application.

Our Service depends on various factors such as software, hardware and communications networks, and other factors outside of its control. You understand that We do not guarantee that the Service will be uninterrupted or that it will be timely, secure and error-free.

INTELLECTUAL PROPERTY

You acknowledge that the Service and its original content (excluding Content provided by users), graphics, scripts, service names, features and functionality are and will remain the exclusive property of BC1194833 Ltd. and its licensors. The Service and its components are protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without BC1194833’ prior express written consent.

You agree that You will not change, sell, translate, reverse engineer, repurpose, or distribute the Service except as expressly authorized by BC1194833. You also agree that You will not use the Service in any way to infringe on BC1194833’ or any third party’s intellectual property or other rights.

THIRD PARTY SOFTWARE LICENSES

The following sets forth attribution notices for third party software that may be contained in portions of the IntrospAction Service:

• iOS attributions
• Android attributions

LINKS TO OTHER WEBSITES

Some of the Advisors who are accessible through our Service may also be accessible through other websites and services, including, without limitation, IntrospAction.com, and the IntrospAction mobile application.

Any interactions, content or services accessed through IntrospAction.com are subject to IntrospAction's Terms of Service and Privacy & Security Policy, both of which are incorporated here by reference. BY ACCESSING THE WWW.IntrospAction.com WEBSITE, YOU AGREE TO THE Terms of Service and the Privacy Policy, AS MAY BE UPDATED FROM TIME TO TIME.

Any interactions, content or services accessed through the IntrospAction mobile application are subject to IntrospAction's Terms of Use and Privacy Policy, both of which are incorporated here by reference. BY ACCESSING THE INTROSPACTION MOBILE APPLICATION, YOU AGREE TO INTROSPACTION'S Terms of Use and Privacy Policy, AS MAY BE UPDATED FROM TIME TO TIME.

Our Service may contain links to or other content related to third-party web sites or services that are not owned or controlled by BC1194833 Ltd..

BC1194833 Ltd.. has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. We are not responsible for the availability or content of such third party links, web sites, products or services. You further acknowledge and agree that BC1194833 Ltd. 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, goods or services available on or through any such web sites or services.

We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.

COPYRIGHT COMPLAINTS

BC1194833 Ltd.. respects the intellectual property of others. If You are a trademark or copyright owner and You believe that your rights have been violated in any way, please notify Us of your claim of infringement by sending the following written information to our designated copyright agent:

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
• Information reasonably sufficient to permit Us to contact You such as an address, telephone number, and, if available, an electronic mail address at which You may be contacted;
• A statement that You have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• A statement that the information in the notification is accurate and, under penalty of perjury, that You are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Our copyright agent for notice of claims of copyright infringement can be reached at:

TERMINATION

We may terminate or suspend your access to Our Service immediately, without prior notice or liability, for any reason whatsoever or for no reason at all, including without limitation if You breach the Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Upon termination, your right to use the Service will immediately cease. If You wish to terminate your account, You may simply discontinue using the Service.

COMPLIANCE WITH LAWS

We make no claim or representation that the Service is permitted, or lawful for use outside the United States. If You access or use the Service from a location outside the United States, You do so at your own risk and are responsible for compliance with the laws of the jurisdiction where You reside. You represent and warrant that (i) You are not located in a country that is subject to a United States Government embargo, or that has been designated by the United States Government as a “terrorist supporting” country; and (ii) You are not listed on any United States Government list of prohibited or restricted parties.

You also represent and warrant that You are eighteen (18) years of age or older and that You agree to abide by all of these terms. You agree that You will not use the Service for any prohibited purpose or if use of the Service is prohibited in your area. It is your sole responsibility to ensure that your use of the Service complies with all laws, rules and regulations applicable to You.

In addition, You acknowledge that to use the Service, (i) the Content must be yours (You own it) or You have the right to use it and grant Us the rights and license as provided in these Terms, and (ii) the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity.

INDEMNIFICATION

You agree to defend, indemnify and hold harmless BC1194833 Ltd.. and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of or in connection with: (i) your use and access of the Service, by You or any person using your account and password; (ii) a violation or breach of these Terms, the Advisor Terms and Conditions, or any other agreement that governs your use of the Service; (iv) a violation of any of your representations or warranties made to Us, (v) a violation of any law or the rights of any third party; or (vi) any user Content, third party content, third party sites and any other content which You posted or uploaded on the Service. This provision is further supplemented by Appendix A relating to Release of Liability.

LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, in no event shall BC1194833, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any Content obtained from or provided to the Service; (iv) following or relying upon on an Advisor’s recommendations or advice or the actions You take based on the same; and (v) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not We have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

To the maximum extent permitted by applicable law, BC1194833 is not responsible for (i) any Content or conduct, whether online or offline, made in connection with the Service, whether caused by visitors, users, Advisors, third parties and others; (ii) any error, omission, interruption, deletion, defect, delay in operation or transmission, communication lines failure, theft or destruction or unauthorized access to, or alteration of Content, user communications or Advisor communications; (iii) any problems or technical malfunction of any telephone network or lines, cellular data provider or network, computer online systems, servers or providers, computer equipment, software, failure of email, traffic congestion or downtime on the Service, including injury or damage to users or to any other person’s computer and/or mobile device; or (iv) any loss or damage, including personal injury or death, resulting from anyone’s use of the Service, any content posted or transmitted to users, or any interactions between users of the Service, whether online or offline. This provision is further supplemented by Appendix A relating to Release of Liability.

DISCLAIMER – FOR ENTERTAINMENT PURPOSES ONLY; NOT A SUBSTITUTE FOR QUALIFIED PROFESSIONAL ADVICE

THE INFORMATION PROVIDED ON OUR WEBSITES AND USE OF THE SERVICE IS PROVIDED FOR ENTERTAINMENT PURPOSES ONLY, AND IS IN NO WAY INTENDED TO DIAGNOSE, CURE, OR TREAT ANY MEDICAL CONDITION, DISEASE OR AILMENT, AND IS IN NO WAY INTENDED TO BE A SUBSTITUTE OR REPLACEMENT FOR PROFESSIONAL MEDICAL ADVICE, PROFESSIONAL FINANCIAL OR INVESTMENT ADVICE OR GUIDANCE, OR PROFESSIONAL LEGAL ADVICE. BC1194833 IS NOT A MEDICAL PRACTICE, IS NOT A FINANCIAL SERVICES FIRM, IS NOT REGISTERED AS A FINANCIAL ADVISOR (NOR ARE ANY OF ITS OFFICERS, PRINCIPALS, OR EMPLOYEES), AND IS NOT ENGAGED IN THE BUSINESS OR PRACTICE OF PROVIDING OR RENDERING ANY OF THE PRECEDING.

IF YOU ARE HAVING SUICIDAL THOUGHTS, FEEL YOU MAY BE A DANGER TO YOURSELF OR OTHERS, OR IF YOU HAVE A MEDICAL EMERGENCY, IMMEDIATELY CALL 911 (OR THE RELEVANT EMERGENCY NUMBER FOR YOUR AREA) AND NOTIFY THE POLICE OR EMERGENCY MEDICAL SERVICES FOR HELP.

YOU ACKNOWLEDGE, CONFIRM AND AGREE THAT THE SERVICE IS NOT DESIGNED FOR USE IN EMERGENCIES, FOR MEDICAL OR PSYCHOLOGICAL PURPOSES, FOR THERAPY OR FOR ANY PURPOSE OTHER THAN ENTERTAINMENT.

WE STRONGLY RECOMMEND THAT YOU ALWAYS SEEK THE ADVICE OF A QUALIFIED AND LICENSED PHYSICIAN OR OTHER QUALIFIED HEALTH PROVIDER IN CONNECTION WITH ANY AND ALL QUESTIONS YOU MAY HAVE REGARDING A MEDICAL CONDITION. IN ADDITION TO ALL OTHER LIMITATIONS AND DISCLAIMERS HEREIN, BC1194833 AND ITS THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM ANY LIABILITY OR LOSS IN CONNECTION WITH THE CONTENT PROVIDED VIA OUR SERVICE.

YOU RELY ON OR ACT UPON THE ADVICE OF ANY ADVISOR OR OTHER USER OF THE SERVICE SOLELY AT YOUR OWN RISK AND BY YOUR OWN FREE AND VOLUNTARY ELECTION AND VOLITION. YOU BEAR SOLE RESPONSIBILITY AND LIABILITY FOR THE CONTENT THAT YOU SUBMIT AND ANY ACTS OR OMISSIONS UNDERTAKEN BY YOU IN CONNECTION WITH ANY OF THE INFORMATION OR ADVICE PROVIDED BY ANY ADVISOR, CLIENT OR USER.

WARRANTY DISCLAIMER

BC1194833 DOES NOT EVALUATE, PROVIDE, PRODUCE OR CONTROL THE USERS, CLIENTS, ADVISORS OR ANY INFORMATION EXCHANGED VIA THE SERVICE. WE ONLY CONNECT CLIENTS WITH ADVISORS THROUGH THE SERVICE. WE DO NOT REPRESENT OR WARRANT THAT ANY ADVISOR YOU SELECT IS QUALIFIED OR LICENSED TO PROVIDE THE INFORMATION OR ADVICE THAT YOU SEEK. AS A RESULT, BC1194833 IS NOT RESPONSIBLE FOR THE TRUTH, ACCURACY, COMPLETENESS, SAFETY, TIMELINESS, QUALITY, APPROPRIATENESS, LEGALITY OR APPLICABILITY OF ANYTHING SAID, DEPICTED OR WRITTEN BY ITS USERS, CLIENTS AND/OR ADVISORS.

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE AND THE INFORMATION OBTAINED FROM THE SERVICE IS PROVIDED ON AN "AS IS" AND “AS AVAILABLE” BASIS. THE SERVICE AND THE INFORMATION OBTAINED FROM THE SERVICE IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON INFRINGEMENT OR COURSE OF PERFORMANCE. OUR WEBSITES AND THE SERVICE MAY CONTAIN VIRUSES, BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. IN NO EVENT WILL BC1194833 OR ITS DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, SUBSIDIARIES OR AFFILIATES HAVE ANY LIABILITY WHATSOEVER FOR YOUR DISPUTES WITH OTHER USERS, CLIENTS OR ADVISORS, FOR YOUR USE OF THE SERVICE OR ANY INFORMATION OBTAINED FROM THE SERVICE. WE ARE NOT LIABLE FOR ANY INDIRECT, SPECIAL, INCIDEN­TAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NO ADVICE OR INFORMATION OBTAINED BY YOU FROM US THROUGH OUR WEBSITES OR SERVICE SHALL CREATE ANY WARRANTY, REPRESENTATION OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. THESE EXCLUDED DAMAGES INCLUDE, BUT ARE NOT LIMITED TO, MEDICAL, LEGAL AND ANY OTHER MALPRACTICE DAMAGE CLAIMS OR AWARDS, PAIN AND SUFFERING, THEFT OF PROPERTY, PERSONAL INJURY/WRONGFUL DEATH, LOSS OF INCOME, LOSS OF CONSORTIUM, BUSINESS INTERRUPTION OR MEDICAL BILLS.

BC1194833’ 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 FOR THE SERVICE AND USE OF OUR WEBSITES AND SERVICE, BUT IN NO EVENT WILL OUR LIABILITY TO YOU EXCEED FIFTY DOLLARS ($50.00). YOU ACKNOWLEDGE AND AGREE THAT IF NO FEES ARE PAID TO US, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PERMITTED BY LAW, AND YOU SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM US, REGARDLESS OF THE CAUSE OF ACTION.

ANY CAUSE OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE; OTHERWISE, IT IS PERMANENTLY BARRED.

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH STATES, IN PART: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”

EXCLUSIONS

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to You.

GOVERNING LAW

You expressly agree that these Terms and any dispute arising out of these Terms or use of the Service shall be governed, construed, and enforced in accordance with the laws of California, United States, without regard to its conflict of law provisions and excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG). You further agree and consent to the exclusive personal and subject matter jurisdiction and venue of the state and federal courts located in the San Francisco County, California, for the resolution of any such dispute and You agree and submit to personal jurisdiction in such courts. In addition, You forever waive any argument or defense based on personal jurisdiction, venue, or forum non conveniens.

CLASS ACTION WAIVER

IN ANY DISPUTE, NEITHER YOU NOR ANY OTHER PERSON SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS AS A REPRESENTATIVE OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. YOU ACKNOWLEDGE THAT YOU ARE GIVING UP YOUR RIGHTS TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO ANY SUCH CLAIM.

APPLICABLE APPLE INC. TERMS

The parties acknowledge that this Agreement is entered into by the End User and BC1194833 only, and not with Apple. BC1194833, not Apple, is solely responsible for the Service, subject to the terms and conditions of this Agreement. The parties acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service.

Apple and Apple’s subsidiaries shall be third party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against You as a third party beneficiary thereof.

To the extent that any product warranty is being granted to You by this Agreement and is not disclaimed, if the Service fails to conform to any applicable warranty, You may notify Apple and Apple will refund the purchase price for the Service to You. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Service, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty is solely BC1194833’ responsibility.

The parties acknowledge that BC1194833, not Apple, is responsible for addressing any of your claims or any third party claims relating to the Service or your possession and/or use of the Service, including, but not limited to: (i) product liability claims; (ii) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

In the event of any third party claim that the Service or your possession and use of the Service infringes that third party’s intellectual property rights, BC1194833, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.

MISCELLANEOUS TERMS

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. You may not assign your rights or obligations under this Agreement without Our prior written consent and any attempt to do so without such consent will be null and void and given no force or effect. BC1194833 may assign its rights under this Agreement without condition. These Terms constitute the entire agreement between us regarding Our Service, and supersede and replace any prior agreements we might have between us regarding the Service.

MUTUAL ARBITRATION PROVISION

1. Agreement to Arbitrate

BC1194833 Ltd. and you agree to enter into the arbitration agreement contained in this Arbitration Provision. This Arbitration Provision is governed by the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) and evidences a transaction involving interstate commerce. This Arbitration Provision applies to any dispute arising out of or related to these Terms of Use, your relationship with BC1194833 Ltd. or one of its affiliates, successors, subsidiaries, assigns, or parent companies (together, "BC1194833 Ltd."), the termination of that relationship, or any other aspect of your relationship with BC1194833 Ltd. or any BC1194833 Ltd. Affiliate, regardless of such dispute's date of accrual, and this Arbitration Provision continues in effect after and survives the termination of any relationship between the parties.

2. How this Arbitration Provision Applies

Except as otherwise stated below, this Arbitration Provision is intended to apply to the resolution of disputes that otherwise would be resolved in a court of law or a forum other than arbitration, and you and BC1194833 Ltd. agree that any legal dispute or controversy covered by this Arbitration Provision, or arising out of, relating to, or concerning the validity, enforceability or breach of this Arbitration Provision, shall be resolved by binding arbitration in accordance with the JAMS Streamlined Arbitration Rules & Procedures ("JAMS Rules") then in effect, to be held (unless the parties agree in writing otherwise) within 45 miles of where you last provided Services under these Terms of Use. The JAMS Rules are available online, free of charge, at www.jamsadr.com, or by searching for "JAMS Streamlined Arbitration Rules" using a service such as www.google.com or www.yahoo.com. If for any reason JAMS will not administer the arbitration, either party may apply to a court of competent jurisdiction with authority over the location where the arbitration will be conducted for appointment of a neutral arbitrator. If the JAMS Rules are inconsistent with the terms of this Arbitration Provision, the terms of this Arbitration Provision shall govern.

By entering into this Arbitration Provision, you agree to arbitrate disputes with any entity or individual, and waive your right to have such disputes resolved by a trial by a jury or judge, arising out of or related to these Terms of Use, background checks, privacy, your relationship with BC1194833 Ltd., the termination of that relationship, trade secrets, unfair competition, compensation, breaks and rest periods, retaliation, discrimination or harassment, defamation, slander and libel, claims arising under the Fair Credit Reporting Act, Uniform Trade Secrets Act, Civil Rights Act of 1964, Americans With Disabilities Act, Age Discrimination in Employment Act, Family Medical Leave Act, Fair Labor Standards Act, California Labor Code, California Fair Employment and Housing Act, California Family Rights Act, Affordable Care Act, Genetic Information Non-Discrimination Act, city or state statutes or regulations addressing the same or similar subject matters, and all other federal or state legal claims arising out of or relating to this relationship, including, but not limited to, claims that may be asserted for any post-relationship conduct or time periods, such as defamation or retaliation.

3. Limitations on how this Arbitration Provision Applies

This Arbitration Provision does not apply to a representative action brought on behalf of others under the Private Attorneys General Act of 2004 ("PAGA"), California Labor Code § 2698, et seq., to the extent that such an action can only be brought by the state or its representatives, where any resulting judgment is binding on the state, and where any alleged monetary penalties largely go to state coffers.

This Arbitration Provision also does not apply to claims for workers compensation, state disability insurance, or unemployment insurance benefits.

Either you or BC1194833 Ltd. may apply to a court of competent jurisdiction for temporary or preliminary injunctive relief in connection with an arbitrable controversy, but only upon the ground that the award to which that party may be entitled may be rendered ineffectual without such relief.

Regardless of any other terms of this Arbitration Provision, a claim may be brought before and remedies awarded by an administrative agency if applicable law permits the agency to prosecute or adjudicate the claim notwithstanding the existence of an agreement to arbitrate that is governed by the Federal Arbitration Act. Nothing in this Arbitration Provision shall be deemed to preclude or excuse a party from bringing an administrative claim before any agency in order to fulfill the party's obligation to exhaust administrative remedies before making a claim in arbitration.

This Arbitration Provision also does not apply to disputes between the parties that may not be subject to pre-dispute arbitration agreement provided by an Act of Congress.

4. How Arbitration Proceedings are Conducted

In arbitration, the parties will have the right to conduct adequate civil discovery, bring dispositive motions, and present witnesses and evidence as needed to present their cases and defenses, and any disputes in this regard shall be resolved by the arbitrator. The statutes of limitations applicable to each claim or cause of action shall apply, and written notice of arbitration shall be initiated within the statute of limitations and other time limitations applicable to each claim or cause of action asserted. The Federal Rules of Evidence shall apply, except as modified by the arbitrator.

You and BC1194833 Ltd. agree to resolve any dispute in arbitration on an individual basis only, and not on a class or collective action basis ("Class Action Waiver"). The arbitrator shall have no authority to consider or resolve any claim or issue any relief on any basis other than an individual basis, and shall not do so on a class or collective action basis. Notwithstanding any other provision of this Arbitration Provision or the JAMS Rules, disputes regarding the enforceability, revocability, or validity of this Class Action Waiver may be resolved only by a civil court of competent jurisdiction and not by an arbitrator. In any case in which: (i) the dispute is filed as a class or collective action; and (ii) there is a final judicial determination that all or part of the Class Action Waiver is unenforceable, the class and/or collective action to that extent must be litigated in a civil court of competent jurisdiction, but the portion of the Class Action Waiver that is enforceable shall be enforced in arbitration.

Except as otherwise provided in Section 3 of this Mutual Arbitration Provision, and to the extent permitted by law, (i) you and BC1194833 Ltd. agree not to bring a representative action on behalf of others in arbitration; and (ii) for any claim brought on a private attorney general basis (i.e., where you are seeking to pursue a claim on behalf of a government entity) both you and BC1194833 Ltd. agree that any such dispute shall be resolved in arbitration on an individual basis only (i.e., to resolve whether you have been personally aggrieved or subject to any violations of law), and that such an action may not be used to resolve the claims or rights of other individuals in a single or collective proceeding (i.e., to resolve whether other individuals have been aggrieved or subject to any violations of law) ("PAGA Waiver"). Notwithstanding any other provision of this Arbitration Provision or the JAMS Rules, the validity of the PAGA Waiver may be resolved only by a court of competent jurisdiction and not by an arbitrator. If any provision of the PAGA Waiver is found to be unenforceable or unlawful for any reason, (i) the unenforceable provision shall be severed from this Arbitration Provision; (ii) severance of the unenforceable provision shall have no impact whatsoever on the Arbitration Provision or the parties' attempt to arbitrate any remaining claims on an individual basis pursuant to the Arbitration Provision; and (iii) any representative action brought under PAGA on behalf of others must be litigated in a civil court of competent jurisdiction and not in arbitration.

5. Paying for the Arbitration

You and BC1194833 Ltd. shall follow the JAMS Rules applicable to initial filing fees, but in no event will you be responsible for any portion of those fees in excess of the filing or initial appearance fees applicable to court actions in the jurisdiction where the arbitration will be conducted. BC1194833 Ltd. otherwise shall pay all costs and expenses unique to arbitration, including without limitation the arbitrator's and/or arbitration fees.

Each party will pay the fees for his, her, or its own attorneys, subject to any remedies to which that party may later be entitled under applicable law (e.g., a party prevails on a claim that provides for the award of reasonable attorneys' fees to the prevailing party).

6. The Arbitrator's Decision and Award

The arbitrator must follow applicable law and may award any party any remedy to which that party is entitled under applicable law, but such remedies shall be limited to those that would be available to a party in his or her individual capacity in a court of law for the claims presented to and decided by the arbitrator, and no remedies that otherwise would be available to an individual in a court of law will be forfeited by virtue of this Arbitration Provision. The arbitrator's decision shall be final and binding upon the parties, must be in writing, and must contain the arbitrator's reasoning. Judgment may be entered on the arbitrator's decision in any court having jurisdiction.

7. Enforcement of this Arbitration Provision; Other Terms

Any party (including BC1194833 Ltd. Affiliates) to this Arbitration Provision may bring an action in a court of competent jurisdiction to compel arbitration under this Arbitration Provision, and to confirm, vacate, or enforce an arbitration award, with each party bearing its own attorneys' fees, costs and expenses in such court proceedings, subject to any remedies to which that party may later be entitled under applicable law. This Arbitration Provision replaces all prior agreements (if any) regarding the arbitration of disputes and is the full and complete agreement relating to the formal resolution of disputes covered by this Arbitration Provision. Except as stated in Section 4 of this Mutual Arbitration Provision above, in the event any portion of this Arbitration Provision is deemed unenforceable, the remainder of this Arbitration Provision will be enforceable.

****

By clicking "I accept", you expressly acknowledge that you have read, understood, and taken steps to thoughtfully consider the consequences of these Terms of Use and Arbitration Provision, that you agree to be bound by the terms and conditions of the Terms of Use and Arbitration Provision, and that you are legally competent to enter into the Terms of Use and Arbitration Provision with BC1194833 Ltd..

Appendix A

In addition to the general releases set forth under INDEMNIFICATION and LIMITATION OF LIABILITY, you further agree to waive any claims against BC1194833 Ltd. arising out of these Terms as supplemented below. In particular, You acknowledge and agree that:

In California:

You are releasing all rights under section 1542 of the California Civil Code, which provides:

A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, and that, if known by him or her would have materially affected his or her settlement with the debtor or released party.

In Montana:

You are releasing all rights under Montana Code Annotated Section 28-1-1602, which provides:

A general release does not extend to claims that the creditor does not know or suspect to exist in the creditor's favor at the time of executing the release, which, if known by the creditor, must have materially affected the creditor's settlement with the debtor.

In North Dakota:

You expressly waive any and all rights that you may have under any state or local statute, executive order, regulation, common law and/or public policy relating to unknown claims, including but not limited to North Dakota Century Code Section 9-13-02, which provides:

A general release does not extend to claims which the creditor does not know or suspect to exist in the creditor's favor at the time of executing the release, which if known by the creditor, must have materially affected the creditor's settlement with the debtor.

In South Dakota:

You expressly waive any and all rights that you may have under any state or local statute, executive order, regulation, common law and/or public policy relating to unknown claims, including but not limited to South Dakota Codified Laws Section 20-7-11, which provides:

A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.

CHANGES

We reserve the right, at Our sole discretion, to modify or replace these Terms at any time, without notification. The latest Terms will be posted on Our website. It is your responsibility to review the latest Terms before You use the Service. By continuing to access or use Our Service after new Terms become effective, You agree to be bound by the new Terms. However, any changes to the dispute resolution provisions set out in the Mutual Arbitration Provision will not apply to any disputes for which the parties had actual notice before the date the change was posted on Our website. If You do not agree to the new Terms, please stop using the Service.

CONTACT US

If You have any questions about these Terms prior to accepting, please contact Us at info@IntrospAction.com.