Terms of Service

Last Updated: November 18, 2025

NOTICE OF ARBITRATION PROVISIONS

Your use of the Services is subject tobinding individual arbitration of any disputes which may arise, as providedbelow and in these Terms of Use. Please read the arbitration provisionscarefully and do not use the Services if you are unwilling to arbitrate anydisputes you may have with us as provided below.

1. AGREEMENT AND ACCEPTANCE OF TERMS

1.1 SCOPE OF AGREEMENT

This Agreement (this "Agreement")governs the use of the programs, products, services, opt-in gifts, e-books,videos, webinars, blog posts, e-newsletters, consultations, e-mails,downloadable Mp3 audio files, downloadable PDF printed transcripts,downloadable PDF handouts/slides, social media, software, videos, webinars,User Automations (as defined below), research and/or other communications(collectively, the "Services") that are made available by OptionBots,and its subsidiaries and affiliated companies/brands (collectively, the"Company," "we," or "us") on, through, or inconnection with its any website(s) available with the root address at this webaddress (URL): https://www.optionbots.com (the "Website"). TheseTerms of Use incorporate by reference the Company's Risk Disclosure Agreement,which can be found here. This Agreement does not alter in any way the terms orconditions of any other agreement you may have with the Company, or itsaffiliates and/or partners, for services or otherwise. If you are using theServices on behalf of any entity, you represent and warrant that you areauthorized to accept these Terms on such entity's behalf. This Agreementrepresents the whole agreement and understanding between us and you, the personthat accesses or uses the Services and/or the Website (such person,"you," "User" or "Visitor").

1.2 ACCEPTANCE OF TERMS

PLEASE READ THIS AGREEMENT CAREFULLY

This Agreement sets forth the terms andconditions that apply to your use of the Services. By using the Services, youagree that you have read, understand and fully accept to be legally bound bythis Agreement.

Any form of transfer or sublicense, orunauthorized access, distribution, reproduction, copying, retransmission,publication, sale, or exploitation (commercial or otherwise), of any portion ofthe Services, is hereby expressly prohibited.

1.3 AGE REQUIREMENTS AND PARENTAL CONTROLS

By your access or use of the Services andthe Website, you (i) represent and warrant that you are at least eighteen (18)years of age and (ii) agree to comply with all of the terms and conditions setout in this Agreement and the Company's Privacy Policy. The Services and theWebsite are intended solely for users who are eighteen (18) years of age orolder, and any registration by, use of or access to the Services or the Websiteby anyone under the age of 18 is unauthorized, unlicensed and in violation of thisAgreement.

Pursuant to 47 U.S.C. Section 230(d) asamended, we hereby notify you that parental control protections (such ascomputer hardware, software, or filtering services) are commercially availablethat may assist you in limiting access to material that is harmful to minors.Services identifying current providers of such protections is available fromthe Electronic Frontier Foundation website located at http://www.eff.org. Toview Services on our policy regarding the privacy of children under the age of18, please see our Privacy Policy.

1.4 MODIFICATIONS TO AGREEMENT

We may, in our sole discretion, change ormodify this Agreement at any time, with or without notice. Such changes ormodifications shall be made effective for all Visitors upon posting of themodified Agreement to this web address (URL): https://www.optionbots.com/legal/terms-of-service.You are responsible to read this document from time to time to ensure that youruse of the Services and/or Website remains in compliance with this Agreement.

1.5 TERMINATION RIGHTS

We may terminate your right to access oruse the Services or the Website at any time, with or without notice, forconduct that is in breach of this Agreement, for conduct that we believe isharmful to our business, or for conduct where your use of the Services and/orWebsite is harmful to any other party. If you do not agree to these conditions,STOP reading now, and do not access or use the Services and/or the Website.

2. NATURE AND PURPOSE OF SERVICES

2.1 EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY

The Website's contents are for educationaland informational purposes only and solely as a self-help tool for yourpersonal use. Accordingly, you should not rely on the Services or Website inmaking any investment. The Company makes no representations or warranties,either expressed or implied, with respect to the accuracy or completeness ofthe Services or the Website. You should always check with your financial,investment, legal, tax and/or other professional advisors to determine thesuitability of any investment.

2.2 NOT LEGAL OR FINANCIAL ADVICE

The Company and its affiliates, owners,managers, employees, shareholders, officers, directors, other personnel,representatives, agents or independent contractors (collectively, "CompanyPersons") do not hold themselves out to be attorneys, accountantsfinancial advisor, or investment advisors, nor do any Services or other Websitecontents constitute legal, accounting, investing or other professional adviceto you. You acknowledge and agree that the Services and this Website are notintended to be a substitute for the legal, accounting, financial investing orother professional advice that can be provided by your own professionaladvisors.

2.3 NO GUARANTEES

You acknowledge and agree that no promiseor guarantee of success or profitability has been made between you and theCompany or any Company Person.

3. WARRANTIES AND DISCLAIMERS

3.1 NO WARRANTIES

THE COMPANY MAKES NO WARRANTIES OF ANYKIND, EXPRESS OR IMPLIED, RELATED TO THE PERFORMANCE, OPERATION OR CONTENTS OFITS WEBSITE OR SERVICES (INCLUDING, WITHOUT LIMITATION, ALL CONTENT, MATERIALS,PROGRAMS, PRODUCTS OR SERVICES INCLUDED ON OR THROUGH THE WEBSITE). TO THE FULLEXTENT PERMISSIBLE BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES,EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESSFOR A PARTICULAR PURPOSE. WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOTWARRANT THAT THE SERVICES WILL (1) BE UNINTERRUPTED; (2) MEET YOURREQUIREMENTS; OR (3) OPERATE IN THE CONFIGURATION OR WITH THE HARDWARE ORSOFTWARE YOU USE. YOUR USE OF THE SERVICES AND SERVICE IS SOLELY AT YOUR RISK.

YOU EXPRESSLY UNDERSTAND AND AGREE THATYOUR USE OF THE SERVICES AND THE WEBSITE ARE AT YOUR SOLE RISK. THE SERVICE ISPROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

3.2 PERSONAL RESPONSIBILITY

You agree that the information you provideto us on or through the Website will be accurate. You acknowledge that you arevoluntarily using the Website and that you are solely and personallyresponsible for your choices, actions and results in connection with that use,now and in the future. You accept full responsibility for the consequences ofyour use, or non-use, of any Services or this Website, and you agree to useyour own judgment and due diligence in connection with your use of any Servicesor this Website.

3.3 ASSUMPTION OF RISK

As a Licensee or a User, you agree that youare using your own judgment in using the Services or Website and you agree thatyou are doing so at your own risk. The Services or Website are forinformational and educational purposes only. You agree and understand that youassume all risks and no results are guaranteed in any way related to theServices or Website. The Services or Website are merely to provide you witheducation and tools to help you make your own decisions for yourself. You aresolely responsible for your actions, decisions and results based on the use,misuse or non-use of the Services or Website.

We take commercially reasonable precautionsto protect the Services or Website. However, due to the nature of the Internet,we cannot completely ensure or warrant the security of the Services or Websiteor the contributions or Services transmitted to us on or through the Website orthe Services or Website. Submitting contributions or Services on our throughthe Services or Website is done entirely at your own risk. We make noassurances about our ability to prevent any such loss or damage to you or to anyother person, company or entity arising out of use of the Services or Websiteand you agree that you are assuming such risks.

4. INTELLECTUAL PROPERTY RIGHTS

4.1 OWNERSHIP AND LIMITED LICENSE

The Company's Services and the Website arethe property of the Company and/or our affiliates or licensors, and areprotected by copyright, trademark, and other intellectual property laws.

The content of the Services and the Websiteis solely owned by or licensed to us, unless otherwise indicated. This contentincludes, but is not limited to, the design, layout, look, appearance, graphicsof the Services or Website or any other material or aspects of materialsprovided by us to you. Reproduction is prohibited other than in accordance withthe copyright notice, which forms part of this Agreement. If you purchasecertain of our Services from the Company (such purchased Services, "Programs,Products or Services"), you will be considered our licensee("Licensee") with respect to such Programs, Products or Services. Forthe avoidance of doubt, all Services obtained through us (whether or notPrograms, Products or Services) is our property, and you are granted arevocable, non-transferable license for personal, non-commercial use only,limited to you only. This means that you may not use the Services or theWebsite contents in a manner that constitutes an infringement of our rights orin a manner that has not been authorized by us.

You are being granted a limited license toaccess or use the Services and the Website with permission and restrictions.This means that when you purchase Programs, Products or Services from theWebsite or otherwise, you are purchasing the limited right to use such Servicesin the form that is provided by us to you with certain conditions as specifiedin this Agreement.

4.2 PERMITTED USE

You are permitted to access and use theServices and Website as follows:

You may download and/or print Informationfor your own personal use. However, you are NOT permitted to share, sell,reprint or republish any other of our Services, for resale or mass reproductionpurposes for your own business use.

Any trademarks, taglines, and logosdisplayed on the Services are trademarks belonging to us. All trademarksreproduced in this Website, which are not the property of, or licensed to us,are acknowledged on the Website. Any use including framing, meta tags or othertext utilizing these trademarks, or other trademarks displayed, is strictlyprohibited without our express written consent, or permission granted herein.

For those trademarks, taglines, and logosfor which you are granted permission to use, the trademark indicia must beincluded at all times. Any marketing or promotional tools and/or Servicestitles or any other title or Services of ours bearing the trademark symbols (™)or ® may not be used by you for any reason without our express writtenpermission.

All rights not expressly granted in theseterms or any express written license, are reserved by us.

4.3 PROHIBITED USES

As a Licensee, you understand andacknowledge that the Services or Website have been created, developed orobtained by us through the investment of significant time, effort and expense,and that this information is a valuable, special and unique asset of ours whichneeds to be protected from improper and/or unauthorized use.

When you access or enroll in Services(including, without limitation, purchasing Programs, Products or Services) orthe Website, you agree that you are clearly and expressly prohibited from doingthe following:

• You will NOT copy, share or steal theServices or Website, or any parts of them.

• You will NOT in any way use, copy, adaptor represent any of the Services or Website in any way as if they are yours orcreated by you.

• You will NOT engage in improper and/orunauthorized use of the Services or Website. Improper and unauthorized useincludes but is not limited to modifying, copying, reproducing, republishing,uploading, posting, transmitting, translating, selling, creating derivativeworks, exploiting, or distributing in any manner or medium (including by emailor other electronic means) any Services or any other information accessed orpurchased through our Website, or any other communications provided by us foryour own personal use, business/commercial use or in any way that earns youmoney.

• You will NOT duplicate, share, trade,sell, or otherwise distribute the Services or Website to any other person, fortheir personal use, business/commercial use or in any way that earns themmoney, whether it was known to you or not at the time that you shared theinformation that their intention was to use the Services for their own personaluse or business/commercial use. This means you cannot share or sell or any partof the Services or Website to someone else so they can copy and/or use them fortheir own personal use, business/commercial use or in any way that earns themmoney. You are the only one granted a limited license to use such Services.

• You will NOT violate our intellectualproperty rights, including copyright and trademark rights. Downloading,printing, or otherwise using the Services or the Website for your own trainingpurposes in no way gives you any copyright, trademark, intellectual property orownership rights of other Services not made freely available to you orpurchased by you.

• You will NOT reprint or republish anypart of the Services or the Website for publication or compilation into yourown products, programs, services or Services for your own personal use orbusiness/commercial use or in any way that earns you money.

• You will NOT use the Services or Websitein a manner that constitutes an infringement of our rights or in a manner thathas not been authorized by us through our prior written consent.

• You may NOT engage in improper and/orunauthorized use of our Services or the Website. Unless otherwise explicitlyauthorized in this Agreement, improper and/or unauthorized use includes but isnot limited to modifying, copying, reproducing, republishing, uploading,posting, transmitting, translating, selling, creating derivative works,exploiting, or distributing in any manner or medium (including by email orother electronic means) for commercial use, to any other person in a way thatearns them money, any Services or any other Services accessed or purchasedthrough the Website or any other communications provided by us to you promotingor relating to the Services or the Website.

4.4 USER AUTOMATIONS

Notwithstanding the foregoing, you mayshare User Automations freely with other users of the Website, for so long asneither you nor any other user receives any compensation for transferring orreceiving such User Automations; however, you agree not to use such UserAutomations outside of the Website or to claim any ownership or intellectualproperty rights with respect to any User Automation (including, withoutlimitation, its contents). You acknowledge that User Automations, as Services,represent the proprietary content of the Company.

You understand and agree that engaging inthe prohibited use or the improper and/or unauthorized use of our Services orWebsite as set forth in this Agreement is considered theft and/or infringementand we retain the right to prosecute it to the full extent of the law.

You agree and understand that prohibiteduse, improper and/or unauthorized use of the Services or the Website may giverise to a civil claim for damages and/or be a criminal offense.

4.5 LINKING AND FRAMING RESTRICTIONS

You may establish a hypertext link to theWebsite or Services so long as the link does not state or imply anysponsorship, endorsement by, or ownership by in the Website or Services anddoes not state or imply that we are have sponsored, endorsed or have ownershiprights in the Website. However, you may not frame or inline link our Serviceswithout our written permission.

4.6 YOUR LICENSE TO US

By posting or submitting any material on orthrough our Services or Website, such as comments, posts, photos, images,videos, the contents of any User Automation or other contributions, you arerepresenting that you are the owner of all such materials and that you are atleast 18 years old.

When you submit to us or post any comment,photo, image, video or any other submission for use on or through the Servicesor the Website, you are granting us, and anyone authorized by us, an unlimited,royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwidelicense to use, copy, modify, transmit, sell, exploit, create derivative worksfrom, distribute, and/or publicly perform or display such contributions, inwhole or in part, in any manner or medium, now known or developed in the future,for any purpose, and granting us the right to make it part of our current orfuture Services or the Website. This right includes granting us use orexploitation of proprietary rights or intellectual property rights likecopyright, trademark, service mark, trade secrets, patent rights or any otherof your intellectual property rights under any relevant jurisdiction withoutany further permission from you or compensation by us to you.

You also grant us, and anyone authorized byus, the right to identify you as the author of any of your comments, posts,photos, images, videos, User Automations or other contributions by name, emailaddress, or screen name. You acknowledge that we have the right but not theobligation to use and display any contributions from you of any kind and thatwe may elect to cease the use and display of any such contributions on ourPrograms, Products, Services and/or Services at any time for any reasonwhatsoever.

4.7 PERMISSION REQUESTS

Any request for written permission to useour Services, in whole or in part, or any other intellectual property orproperty belonging to us, should be made BEFORE you wish to use it bycompleting the "Contact" form on this Website, or by sending ane-mail to support@optionbots.com.

You may NOT use the Services or Website, inwhole or in part, in any way that is contrary to this Agreement unless we havegiven you specific written permission to do so.

If you are granted permission by us, youagree to use the specific Services that we allow and ONLY in the ways for whichwe have given you our written permission.

If you choose to use the Services in waysthat we do not specifically give you written permission, you agree now that youwill be treated as if you had copied, duplicated and/or stolen such Servicesfrom us, and you consent to immediately stop using such Services and to takewhatever actions as we may request and by the methods and in the time framethat we prescribe to protect our intellectual property and ownership rights inthe Services and the Website.

5. USER CONDUCT AND OBLIGATIONS

5.1 GENERAL CONDUCT REQUIREMENTS

You are agreeing that you will not use theServices or Website in any way that causes or is likely to cause them, oraccess to them, to be interrupted, damaged or impaired in any way. Youunderstand that you are solely responsible for all electronic communicationsand content sent from you to this Website, any Services or us.

You must use the Services or Website forlawful purposes only. You agree that you will not use the Services or Websitein any of the following ways:

• For fraudulent purposes or in connectionwith a criminal offense or otherwise carry out any unlawful activity;

• To send, use or re-use any material thatis illegal, offensive, abusive, indecent, harmful, defamatory, obscene ormenacing, threatening, objectionable, invasive of privacy, in breach ofconfidence, infringing of any intellectual property rights, or that mayotherwise may injure others;

• To send, negatively impact, or infect theServices or Website with software viruses or any other harmful or similarcomputer code designed to adversely affect the operation of any computersoftware or hardware, commercial solicitation, chain letters, mass mailings orany spam, whether intended or not;

• To cause annoyance, inconvenience orneedless anxiety;

• To impersonate any third party orotherwise mislead as to the origin of your contributions; or

• To reproduce, duplicate, copy or resellany part of the Services or Website in a way that is not in compliance withthis Agreement or any other agreement with us.

5.2 BROKERAGE CONNECTION LIMITATIONS

Authorized connections are strictly limitedto one (1) API connection per brokerage available. Therefore, you may one (1)connection to each brokerage in your account. Additionally, you may havemultiple sub-accounts under that single connection. However, attempting toauthorize any existing connection multiple times under different, fake, orfraudulent emails and/or user profiles is strictly prohibited. If you are foundwith multiple emails or user profiles that attempt to connect to the samebrokerage(s), you acknowledge and understand that you will immediately forfeityour access to any and all accounts as well as your membership without refundfor abuse and violation of these terms.

5.3 WEBHOOKS USAGE TERMS

By using Webhooks provided by OptionBots,you acknowledge and agree to the following terms:

• Authorization: You are solely responsiblefor ensuring that all webhook URLs and associated services you use withWebhooks are authorized and comply with all applicable laws and regulations.

• Usage Limitations: OptionBots reservesthe right to limit the number of webhooks or the frequency of their use toprevent abuse or excessive load on our systems.

• Prohibited Activities: You agree not touse the Webhooks tool for any unlawful purposes, including but not limited tofraud, unauthorized access, or distribution of malicious content.

• Liability: OptionBots is not liable forany loss or damage arising from the use of Webhooks, including, but not limitedto, errors in automations, misconfigured webhooks, service interruptions, orthird-party service interruptions.

• Termination: OptionBots reserves theright to suspend or terminate your access to Webhooks if we detect misuse,abuse, or any activity that may harm our systems or other users.

5.4 MEDIA RELEASE

By using our Services and accessing ourWebsite, including our any social media profile or community, you consent tophotographs, videos, and/or audio recordings that may be made that may containyou, your voice and/or your likeness. In our sole discretion, we reserve theright to use these photographs, videos, and or/audio recordings and/or anyother materials submitted by you to us in connection with your use or access ofthe Services or the Website in our current or future programs, products orservices, and/or our marketing or promotional efforts, without compensation toyou at any time, now or at any time in the future.

6. SECURITY AND ACCOUNT MANAGEMENT

6.1 SECURITY MEASURES

When you apply for, enroll in, upgrade to,join, signup, and/or purchase or use our Services or Website, we may seek andcollect personal data and Services including but not limited to your name,e-mail address, phone number, billing Services, credit card or paymentServices, demographic Services, preferences, interests, or otherpersonally-identifying Services ("Confidential Services").

By providing such Confidential Services tous, you grant us permission to use and store such Confidential Services. We, inturn, will use commercially reasonable efforts to keep your ConfidentialServices safe, secure and confidential. When you submit Confidential Servicesvia a program, product or service provided by the Company or Services, we takecommercially reasonable measures to protect the security of your ConfidentialServices both online and offline. However, the Company expressly does not warrantor guarantee the security of your Confidential Services or of any other data orServices transmitted to us or through our services; therefore submittingConfidential Services, data or other Services will be done solely at your ownrisk.

Our Services are for your personal andnon-commercial use. The Services contain material that is derived in whole orin part from material supplied and owned by the Company and other sources. Suchmaterial is protected by copyright, trademark and other applicable laws. Unlessotherwise agreed to in writing by the Company, you agree that you will not usethe Services, or duplicate, download, publish, modify or otherwise distributeor use any material on the Services for any purpose, except for your personal,non-commercial use. You also agree that you will not link to any page on theServices other than the home page (for example, "deep linking"),without the Company's prior written consent. Use of the Services or anymaterials or content on the Services for any commercial or other unauthorizedpurpose is prohibited. You acknowledge that storing, distributing ortransmitting unlawful material could expose you to criminal and/or civilliability. You may not download (other than page caching) or modify the Servicesor any portion of them unless we have provided you with express writtenconsent. You shall not make derivative use of the Services (or any partthereof) for any purpose, nor shall you download or copy Services of users, orotherwise engage in data mining or similar data gathering.

We have implemented reasonable andappropriate security measures designed to protect the Services provided throughand/or maintained to us. You are responsible for using appropriate technicalsafeguards to secure your devices used to access the Services, such asup-to-date software and virus protection. You are responsible for your devices,including computers, laptops, and mobile devices used to access the Services.

6.2 PASSWORDS AND ACCOUNT SECURITY

To use certain features of our Programs,Products or Services or other Services, you may be issued a group username andpassword or a unique individual username and password, which you will receivethrough your registration and/or purchase process. You may be able to change tousername and/or password of your choosing. You are responsible for maintainingthe confidentiality of the password and account, and are responsible for allactivities (whether by you or by others) that occur under your password or account.You are not permitted to share your username and/or password with anyone. If welearn you have shared your username and/or password with another person, wereserve the right to immediately terminate your access to the Programs,Products or Services, other Services, Website, private forum, Facebook group orany other related communication. It is your responsibility to protect your ownpassword from disclosure to others. We cannot and will not be liable for anyloss or damage arising from your failure to protect your password or accountServices. You are responsible for activities that take place using yourpassword(s) and within your account. If you share your password(s) with anyone,they may be able to obtain access to your personal information at your ownrisk. You agree to notify us immediately of any unauthorized use of yourpassword or account or any other breach of security, and to ensure that youexit from your account at the end of each session. By using our Programs,Products or Services, you agree to enter true and accurate information as partof the registration, purchase process and otherwise. If you enter a false emailaddress, we have the right to immediately inactivate your account. We will usecommercially reasonable efforts to keep your password(s) private and will nototherwise share your password(s) without your consent, except as necessary whenthe law requires it or in the good faith belief that such action is necessary,particularly when disclosure is necessary to identify, contact or bring legalaction against someone who may be causing injury to others or interfering withour rights or property.

6.3 ACCOUNT TERMINATION

In its sole and absolute discretion, withor without notice to you, the Company may suspend or terminate your use of andaccess to the Services, terminate your account and/or remove and discardanything transmitted by you, or Services stored, sent, or received withoutprior notice and for any reason, including, but not limited to: (i) concurrentaccess of the Services with identical user identification, (ii) permittinganother person or entity to use your user identification to access theServices, (iii) any unauthorized access or use of the Services, (iv) anyviolation of this Agreement, (v) tampering with or alteration of any of thesoftware and/or data files contained in, or accessed through, the Website, or(vi) abuse, deception or fraudulent behavior. Such suspension or terminationmay include, but not be limited to, suspension or termination of access orrights to receive any content. You may terminate your account for any reason byemailing the Company at support@optionbots.com. The Company shall not be liableto you or any third party for any claims or damages arising out of anytermination or suspension of the Services. Termination, suspension, orcancellation of the Services or your access rights shall not affect any rightor relief to which the Company may be entitled, at law or in equity, and allrights granted to you will automatically terminate and immediately revert tothe Company.

7. PAYMENT, PURCHASES AND REFUND POLICY

7.1 PAYMENT TERMS AND ONLINE COMMERCE

If paying for any Programs, Products orServices by debit card, or credit card or other merchant account such as PayPalor ApplePay, you give us permission to automatically charge your credit ordebit card as payment for such Programs, Products or Services without anyadditional authorization, for which you will receive an electronic receipt. Inthe event that payment is not received by the date due, you will have a three(3) day grace period to make the payment otherwise such Programs, Products orServices will not continue, and we reserve the right to cease your accessimmediately and permanently. If you fail to make payment in a timely manner inaccordance with this Agreement or voluntarily decide to withdraw from suchPrograms, Products or Services at any time or for any reason whatsoever, youstill will remain fully responsible for the full cost of the Servicespurchased. All information obtained during your purchase or transaction for thePrograms, Products or Services and all of the information that you give as partof the transaction, such as your name, address, method of payment, credit cardnumber, and billing information, may be collected by both us and our paymentprocessing company. You agree to only purchase Programs, Products or Servicesfor yourself or for another person for whom you are legally permitted to do soor for whom you have obtained the express consent to provide their name,address, method of payment, credit card number, and billing information. Youagree to be financially responsible for all purchases made by you or someoneacting on your behalf. You agree to use Programs, Products or Services forlegitimate, non-commercial purposes only and not for speculative, false,fraudulent, or illegal purposes.

7.2 CHARGEBACK POLICY

Since we have a clear and explicit RefundPolicy in this Agreement that you have agreed to prior to completing thepurchase of any Programs, Products or Services, we do not tolerate or acceptany type of chargeback threat or actual chargeback from your credit cardcompany. In the event that a chargeback is placed on a purchase or we receive achargeback threat during or after your purchase, we reserve the right to reportthe incident to all three credit reporting agencies or to any other entity forinclusion in any chargeback database or for listing as a delinquent accountwhich could have a negative impact on your credit report score. The informationreported will include your name, email address, order date, order amount, andbilling address. Chargeback abusers wishing to be removed from the databaseshall make the payment for the amount of the chargeback.

7.3 THIRD-PARTY MERCHANT PURCHASES

If you make a purchase from one of ouraffiliates, or any other individual or company through a link provided on orthrough our Services ("Merchant"), all information obtained duringyour purchase or transaction and all of the information that you give as partof the transaction, such as your credit card number and contact information,may be collected by the Merchant and their payment processing company as well.Your participation, correspondence or business dealings with any affiliate,individual or company on or through our Services, and all purchase terms,conditions, representations or warranties associated with payment, refunds,and/or delivery related to your purchase, are solely between you and theMerchant. You agree that we shall not be responsible or liable for any loss,damage, refunds, or other matters of any sort that incurred as the result ofsuch dealings with a Merchant.

Payment processing companies and Merchantsmay have privacy and data collection practices that are different from ours. Wehave no responsibility or liability for these independent policies of thepayment processing companies and Merchants. In addition, when you make certainpurchases through our Website, you may be subject to the additional terms andconditions of a payment processing company, Merchant or us that specificallyapply to your purchase. For more information regarding a Merchant and its termsand conditions that may apply, visit that merchant's Website and click on itsinformation links or contact the Merchant directly. You release us, ouraffiliates, our payment processing company, and Merchants from any damages thatyou incur, and agree not to assert any claims against us or them, arising fromyour purchase through or use of the Website or its Services.

7.4 REFUND AND CANCELLATION POLICY

Last Updated: November 18, 2025

At OptionBots, we value transparency andfairness. By purchasing or subscribing to any OptionBots product or service,you agree to the following refund and cancellation terms.

7.4.1 Monthly Subscription Plans

• All monthly subscription fees arenon-refundable.

• Once a billing cycle begins, that paymentis final and no refunds will be issued — regardless of platform usage, loginactivity, or user experience.

• By subscribing to a monthly plan, youauthorize OptionBots to automatically charge your payment method each monthuntil you cancel.

• It is the customer's responsibility tocancel prior to the next billing date to avoid renewal.

• Cancellations can be made: (a) Directlythrough your OptionBots account settings, or (b) By contacting our support teamat support@optionbots.com before the next billing date.

• If a cancellation request or in-appcancellation is not submitted prior to renewal, the subscription willautomatically renew and the payment will be processed.

• No refunds will be provided for failureto cancel on time.

• Non-use of the platform, lack ofactivity, or failure to utilize services does not qualify for a refund.

7.4.2 Annual Subscription Plans

• All annual subscriptions are final andnon-refundable once purchased.

• Annual plans are billed in full upfrontand cannot be downgraded or converted to a monthly plan after purchase.

• Renewals: If an annual plan renewsautomatically, customers have a 7-day grace period from the renewal date torequest a refund or cancellation. After 7 days from the renewal date, allcharges are final and no refunds will be issued.

• There are no pro-rated refunds forpartial usage or early cancellation of annual plans.

7.4.3 Paid Trials

• Occasionally, OptionBots may offer paidtrials (for example, 14-day or 30-day access).

• Trial payments are refundable only withinthe active trial period.

• Once the trial period ends and youraccount automatically renews into a paid subscription, all payments are finaland no refunds will be granted.

• It is your responsibility to cancel priorto the trial expiration if you do not wish to continue with a paid plan.

7.4.4 General Terms

• All sales are considered final once theapplicable refund or grace period (if any) has expired.

• Refund requests outside of the statedwindows will not be honored.

• Non-use, lack of results, ordissatisfaction with performance does not qualify for a refund.

• Refund eligibility cannot be transferredor modified after purchase.

• By completing a purchase, you agree tothese terms and authorize OptionBots to process recurring charges according toyour selected plan.

7.4.5 Legacy Clients and Other Programs

If you enrolled in a Done-For-You,coaching, mentorship, or other custom program under a separate agreement orcontract, the refund and cancellation terms within that specific signedcontract or purchase agreement will take precedence over this general policy.In cases where a written contract or agreement exists, its terms shall bebinding and supersede any conflicting terms outlined in this Refund &Cancellation Policy.

8. PRIVACY AND CONFIDENTIALITY

8.1 PRIVACY POLICY INCORPORATION

Your use of the Services and any Servicesprovided by you or gathered by the Company or third parties during any visit toor use of the Services is governed by the Privacy Policy which is incorporatedby this reference. By using the Services and Website, you acknowledge and agreeto the Company's collection, use and sharing of your Services as set forth inthe Privacy Policy.

If you do not agree to our Privacy Policy,please do not use and promptly exit the Services.

The following additional terms outlined insections 8.2 through 8.6 below shall apply to the Privacy Policy. In the casethat any conflicts exist between these terms and those terms found in thePrivacy Policy, the language below shall supersede.

8.2 ARBITRATION PROVISIONS APPLY TO PRIVACY

Your use of the Website and Services aresubject to binding individual arbitration of any disputes which may arise, asprovided in the Terms of Use. Please read the arbitration provisions of ourTerms of Use carefully and do not use the Services if you are unwilling toarbitrate any disputes you may have with us as provided in our Terms of Use.

8.3 PERSONAL INFORMATION COLLECTION

We, or a third-party service provideracting on our behalf ("Service Provider"), may collect personalinformation from you when you register with the Site; place an order on ourSite; sign up for newsletters; participate in our offers and programs includingsweepstakes, contests, and surveys; or otherwise contact us. This personalinformation may include your name, email address, zip code, gender, date ofbirth, race, ethnicity, income level, education level, parental status, maritalstatus, primary language spoken in the home, photos/videos of you or otherindividuals, and, if you are making a purchase, financial account information(e.g., credit card, debit card or bank account information). Please rememberthat if others use devices into which you remain logged in, they may shareinformation with us as if they were you, and they may have access toinformation that you have previously provided us. To protect your privacy,please log out from the Services you use on shared devices.

Data collected includes: Tracker; UsageData; email address; Data communicated in order to use the Service; uniquedevice identifiers for advertising (Google Advertiser ID or IDFA, for example);payment info; first name; last name; billing address; purchase history; Datacommunicated while using the service; username; country; phone number;profession; city; screenshots; ZIP/Postal code; number of Users; sessionstatistics.

8.4 NON-PERSONAL INFORMATION

We, or our Service Provider, may usecookies, web beacons, log files or other technologies to automatically collectcertain non-personally identifiable information about visitors to our Site, useof the services on our Site, or interactions with our email and advertisementson our Site. This information relates to you or the computer, or mobile deviceyou use to access the online Services, but does not on its own identify youpersonally. For example, we may collect information such as your browser type,your computer operating system, Internet Protocol ("IP") address, thedomain from which you accessed the Site, viewed webpages, whether an email wasopened, links that are clicked, the number of times you have viewed an ad,whether or not you clicked on an advertisement, information about the equipmentor software you use to access the Services, and information you provide to orpost on message boards or chat rooms that may be part of the Services.

8.5 USE OF COLLECTED INFORMATION

We, or our Service Providers, may use theinformation that we collect from and about you for a variety of businesspurposes. For example, we may use the information to:

(1) provide services, completetransactions, and communicate with Site visitors and customers;

(2) develop new products or services andimprove the user experience on the Site;

(3) respond to your inquiries;

(4) provide you with targeted offers andadvertising on the Site;

(5) contact you with information andpromotional materials from our company and select business partners;

(6) contact you when necessary;

(7) review the usage and operations of theSite and Services;

(8) address problems with the Site, ourbusiness, or our products and Services;

(9) protect the security or integrity ofthe Site and our business;

(10) allow you to participate in theinteractive features of the Services, where you choose to do so;

(11) display certain content, such ascontent you upload and make available, such as comments, reviews, etc.;

(12) deter fraud or any other potentiallyillegal activities, and to protect the safety of our users and others;

(13) enforce our terms and conditions ofservices;

(14) create consumer profiles and audiencesegments, which may be used for targeted advertising on the Services or onthird party services;

(15) recognize devices you use andassociate the information with your profile. We may use data collected orreceived from others, such as information about devices you use, to make adeterministic or probabilistic match of advertising and cookie identifiers. Forexample, we or others may match devices you use if you log onto the same onlineservice or multiple devices or web browsers (deterministic), or if devices youuse share similar attributes that support an inference that they are used bythe same user (probabilistic). We also may use this information, for example,to match a user's interest across devices, as well as for analytics, adreporting, or to improve the services;

(16) comply with applicable laws; and/or

(17) combine all the information we collector receive about you for any of the foregoing purposes.

We may also use your information asdescribed to you at the point of collection, with your consent.

8.6 CONFIDENTIAL INFORMATION MANAGEMENT

In connection with your use of the Websiteor the Services, we may seek personal data or information including your name,e-mail address, phone number, street address, billing information, birthday,preferences, interests, assignments, or other personally-identifyinginformation ("Confidential Information"), or you may offer or providea comment, photo, image, video or any other submission to us when using orparticipating in the Services or Website ("Other Information"). Byproviding such Confidential Services or Other Services to us, you grant uspermission to use and store such information. We, in turn, will usecommercially reasonable efforts to keep your Confidential Services safe, secureand confidential in accordance with this Agreement and our full Privacy Policywhich may be found on the Website. If you believe that any of your ConfidentialServices is incorrect or incomplete, please contact us as soon as possible.

We request and require various personaldata and/or Confidential Services to understand your needs and provide you withbetter services. In addition, we may use such data and Confidential Servicesfor the following reasons: (1) for internal record keeping, (2) to improve ourPrograms, Products, Services or Services, (3) to periodically send promotionsabout new Services or other special offers from which you may unsubscribe atany time, (4) for aggregate, non-identifiable data for research purposes, (5)to customize the respective Services you purchase or use according to yourinterests and/or (6) for support or communication related to your Program,Product, Service or Services.

8.7 DATA STORAGE AND ACCESS

All data and Confidential Services isstored through a data management system. This data and Confidential Servicescan only be accessed by those who help manage that Services in order to delivere-mail or otherwise contact those who would like to receive our correspondence.You agree and acknowledge that we, including but not limited to our team, staffand affiliates, and those who manage the data management system may have accessto your Confidential Services.

8.8 CONFIDENTIALITY AND DISCLOSURE

All Confidential Services will be held inconfidentiality and will not be disclosed to third parties, except that we maydisclose Confidential Services and personally identifiable information: (1)pursuant to this terms of this Agreement and Privacy Policy and our Disclaimer,(2) if we are required to do so by law, (3) in the good-faith belief that suchaction is necessary to conform to the law, (4) to comply with any legal processserved on either us or our partners, sponsors, investors, or affiliates, (5) toprotect and defend our rights or property or those of our users or purchasers,and/or (6) to act as immediately necessary in order to protect the personalsafety of our users, purchasers, or the public. We will not sell, distribute orlease your Confidential Information to third parties unless we have yourpermission or are required by law to do so.

8.9 PUBLIC INFORMATION DISCLOSURE

Note that whenever you make yourConfidential Information or Other Information available for viewing by otherssuch as through our Services, Website, or social media, the ConfidentialInformation or Other Information that you share also can be seen, collected andused by others, and therefore, we cannot be responsible for any unauthorizeduse by others of such Confidential Information or Other Information that youvoluntarily share online or in any other manner.

8.10 COOKIES POLICY

We may use the standard "cookies"feature of major web browsers. We do not set any Confidential Information incookies, nor do we employ any data-capture mechanisms on the Website other thancookies. You may choose to disable cookies through your own web browser'ssettings. However, disabling this function may diminish your experience on theWebsite and some features of the Services or Website may not work as intended.We have no access to or control over any information collected by other individuals,companies or entities whose website or materials may be linked to our Services.

For more information as to how and why weuse Cookies, please refer to our Cookie Policy. Your use of the Services issubject to binding bi-lateral arbitration of any disputes which may arise,including the Mass Arbitration Supplementary Rules, as applicable, as providedin the Terms of Use.

8.11 PRIVACY CONTACT INFORMATION AND OPT-OUT RIGHTS

State residents, or their authorized agentsif permitted under applicable law, exercising their right to opt-out of thesale or sharing of their personal information, or limit the use of theirsensitive personal information, may do so by:

• Emailing us at support@optionbots.com;

• Emailing us at support@optionbots.com, ifyou are requesting or exercising your right that we do not sell or share yourpersonal information, or that we limit the use of your sensitive personalinformation (for more information about how to opt-out of receiving targetedadvertising from certain third-party advertisers, please see our CookiesPolicy); or

• Sending us a written request by mail to:

OptionBots

710 NE 1st Ave

Miami, FL 33131

9. LIABILITY AND DISPUTE RESOLUTION

9.1 INDEMNIFICATION

You agree at all times to defend, indemnifyand hold harmless the Company, as well as any and all Company Persons, from andagainst any and all claims, causes of action, damages, liabilities, costs andexpenses, including legal fees and expenses, arising out of or related to theServices or Website, or your breach of any obligation, warranty, representationor covenant set forth in this Agreement or in any other agreement with us.

9.2 RELEASE OF CLAIMS

By accessing or using this Website or theServices, you hereby fully and completely hold harmless, indemnify and releasethe Company and each of the Company Persons, and anyone otherwise affiliatedwith the Company's business, from any and all causes of action, allegations,suits, claims, damages, or demands whatsoever, in law or equity, that may arisein the past, present or future that is in any way related to the Services orthe Website.

9.3 LIMITATION OF LIABILITY

We will not be held responsible or liablein any way for the information, products or materials that you request orreceive through or on the Website or in connection with the Services. We do notassume liability due to any act or default of anyone or any business, whetherowners, staff, agents, joint venture partners, contractors, vendors, affiliatesor otherwise, affiliated with us. We do not assume liability for any owners,staff, agents, joint venture partners, contractors, vendors, affiliates or otherwisewho is engaged in providing any Services or any contents of the Website or inany way or in any location. In the event that you use the Services or Websiteor any other information provided by us or affiliated with us, we assume noresponsibility. In no event will the Company's aggregate liability to you inconnection with the website and Services or this Agreement exceed the amount(if any) paid by you to the Company in the six months immediately preceding theevent which gave rise to the liability.

9.4 EXCLUSION OF DAMAGES

The Company is not responsible for anydamages, injury or economic loss arising from the use of the content of theServices provided by the Company or by any third party on the Website.

UNDER NO CIRCUMSTANCES SHALL THE COMPANY ORANY COMPANY PERSON BE LIABLE FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL,SPECIAL, PUNITIVE, EXEMPLARY, OR ANY OTHER DAMAGES ARISING OUT OF YOUR USE OFTHE WEBSITE OR SERVICES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE. ADDITIONALLY,COMPANY IS NOT LIABLE FOR DAMAGES IN CONNECTION WITH (I) ANY FAILURE OFPERFORMANCE, ERROR, OMISSION, DENIAL OF SERVICE, ATTACK, INTERRUPTION,DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE ORSYSTEM FAILURE; (II) LOSS OF REVENUE, ANTICIPATED PROFITS, BUSINESS, SAVINGS,GOODWILL OR DATA; AND (III) THIRD PARTY THEFT OF, DESTRUCTION OF, UNAUTHORIZEDACCESS TO, ALTERATION OF, OR USE OF THE SERVICES OR PROPERTY, REGARDLESS OF OURNEGLIGENCE, GROSS NEGLIGENCE, FAILURE OF AN ESSENTIAL PURPOSE AND WHETHER SUCHLIABILITY ARISES IN NEGLIGENCE, CONTRACT, TORT, OR ANY OTHER THEORY OF LEGALLIABILITY. THE FOREGOING APPLIES EVEN IF COMPANY HAS BEEN ADVISED OF THEPOSSIBILITY OF OR COULD HAVE FORESEEN THE DAMAGES. IN THOSE STATES THAT DO NOTALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THE DAMAGES, OUR LIABILITYIS LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY LAW. IN NO EVENT SHALLCOMPANY'S CUMULATIVE LIABILITY TO YOU EXCEED $100.

9.5 BINDING ARBITRATION OF ALL DISPUTES

We believe that arbitration is a faster,more convenient and less expensive way to resolve any disputes or disagreementsthat you may have with us. Therefore, pursuant to this Agreement, if you haveany dispute or disagreement with us regarding or relating to (i) your use of orinteraction with the Services, (ii) any purchases or other transactions orrelationships with the Company, or (iii) any data or Services you may provideto the Company or that the Company may gather in connection with such use, interactionor transaction (collectively, "OptionBots Transactions orRelationships"), you will not have the right to pursue a claim in court,or have a jury decide the claim and you will not have the right to bring orparticipate in any class action or similar proceeding in court or inarbitration. By using or interacting with the Services and Website, or engagingin any other OptionBots Transactions or Relationships with us, you agree tobinding arbitration as provided below. Our rights and obligations under thisarbitration provision shall inure to the benefit of each of the Company'sparent company(ies) and/or owners regardless of whether any of them are namedas a co-defendant with us or named individually in a claim that would otherwisebe subject to this arbitration provision if brought against us.

We will make every reasonable effort toinformally resolve any complaints, disputes, or disagreements that you may havewith us. If those efforts fail, by accessing and/or using our Services, youagree that any complaint, dispute, or disagreement you may have against theCompany, and any claim that the Company may have against you, arising out of,relating to, or connected in any way with this Agreement, our Privacy Policy,or any OptionBots Transactions or Relationships shall be resolved exclusivelyby final and binding arbitration ("Arbitration") administered by JAMSor its successor ("JAMS") and conducted in accordance with the JAMSStreamlined Arbitration Rules And Procedures in effect at the time theArbitration is initiated or, if the amount in controversy exceeds $100,000, inaccordance with the JAMS Comprehensive Arbitration Rules And Procedures then ineffect (respectively, the "Applicable Rules"). The Applicable Rulescan be found at www.jamsadr.com. If JAMS is no longer in existence, theArbitration shall be administered by the American Arbitration Association orits successor (the "AAA") instead, and conducted in accordance withthe AAA Commercial Arbitration Rules in effect at that time (which shall be the"Applicable Rules" in such circumstances). If JAMS (or, ifapplicable, AAA) at the time the arbitration is filed has Minimum Standards ofProcedural Fairness for Consumer Arbitrations in effect which would beapplicable to the matter in dispute, the Company agrees to provide the benefitof such Minimum Standards to you to the extent they are more favorable than thecomparable arbitration provisions set forth herein, provided, however, that inno event may such Minimum Standards contravene or restrict the application ofsubpart (e) or (i) below. Furthermore, nothing herein shall prevent any partyfrom seeking provisional remedies in aid of arbitration from a court ofappropriate jurisdiction. You further agree that:

(a) the Arbitration shall be conductedbefore a single arbitrator selected in accordance with the Applicable Rules orby mutual agreement between you and OptionBots (the "Arbitrator");

(b) the Arbitrator, and not any federal,state or local court or agency, shall have the exclusive authority to resolveany dispute arising under or relating to the validity, interpretation,applicability, enforceability or formation of these Terms and/or thesearbitration provisions hereof, including but not limited to any claim that allor any part of these Terms is void or voidable;

(c) the Arbitration shall be held either:(i) at a location determined by JAMS (or, if applicable, AAA) pursuant to theApplicable Rules (provided that such location is reasonably convenient for youand does not require travel in excess of 100 miles from your home or place ofbusiness); or (ii) at such other location as may be mutually agreed upon by youand OptionBots; or (iii) at your election, if the only claims in thearbitration are asserted by you and are for less than $10,000 in aggregate, bytelephone or by written submission.

(d) the Arbitrator (i) shall apply internallaws of the State of Florida consistent with the Federal Arbitration Act andapplicable statutes of limitations, or, to the extent (if any) that federal lawprevails, shall apply the law of the United States, irrespective of anyconflict of law principles; (ii) shall entertain any motion to dismiss, motionto strike, motion for judgment on the pleadings, motion for complete or partialsummary judgment, motion for summary adjudication, or any other dispositive motionconsistent with Florida or federal rules of procedure, as applicable; (iii)shall honor claims of privilege recognized at law; and (iv) shall haveauthority to award any form of legal or equitable relief;

(e) the Arbitration can resolve only yourand/or the Company's individual claims, and the Arbitrator shall have noauthority to entertain or arbitrate any claims on a class or representativebasis, or to consolidate or join the claims of other persons or parties who maybe similarly situated;

(f) the Arbitrator shall issue a writtenaward supported by a statement of decision setting forth the Arbitrator'scomplete determination of the dispute and the factual findings and legalconclusions relevant to it (an "Award"). Judgment upon the Award maybe entered by any court having jurisdiction thereof or having jurisdiction overthe relevant party or its assets;

(g) in the event that you are able todemonstrate that the costs of Arbitration will be prohibitive as compared tothe costs of litigation, the Company will pay as much of your filing andhearing fees in connection with the Arbitration as the Arbitrator deemsnecessary to prevent the arbitration from being cost-prohibitive, regardless ofthe outcome of the Arbitration, unless the Arbitrator determines that yourclaim(s) were frivolous or asserted in bad faith;

(h) in the event you recover an Awardgreater than the Company's last written settlement offer, the Arbitrator shallalso have the right to include in the Award the Company's reimbursement of yourreasonable and actual out-of-pocket attorneys' fees associated with theArbitration, but the Company shall in all events bear its own attorneys' fees;and

(i) with the exception of subpart (e)above, if any part of this arbitration provision is deemed to be invalid,unenforceable or illegal, or otherwise conflicts with the Applicable Rules,then the balance of this arbitration provision shall remain in effect and shallbe construed in accordance with its terms as if the invalid, unenforceable,illegal or conflicting provision were not contained herein. If, however,subpart (e) is found to be invalid, unenforceable or illegal, then the entiretyof this arbitration provision shall be null and void, and neither you norOptionBots shall be entitled to arbitrate their dispute, and must instead bringany claims in a court of competent jurisdiction.

(j) OptionBots may modify these arbitrationprovisions, but such modifications shall only become effective thirty (30) daysafter the Company has given notice of such modifications and only on aprospective basis for claims arising from the Company's Transactions andRelationships occurring after the effective date of such notification.

(k) Notwithstanding the foregoingarbitration provisions, at your option, you may bring any claim you haveagainst the Company in your local small claims court within the United States,if your claim is within such court's jurisdictional limit; provided that suchcourt does not have the authority to entertain any claims on a class orrepresentative basis, or to consolidate or join the claims of other persons orparties who may be similarly situated in such proceeding.

9.6 GOVERNING LAW AND JURISDICTION

This Agreement and the relationship betweenyou and the Company shall be governed by the laws of the United States and theState of Florida without regard to its conflict of law provisions. Subject tothe arbitration provisions above, and other than small claims actions aspermitted therein, any action or proceeding arising from, relating to or inconnection with these Terms will be brought exclusively in the federal or statecourts located in Pinellas County, Florida, and you irrevocably consent to thepersonal jurisdiction of such courts and agree that it is a convenient forumand that you will not seek to transfer such action or proceeding to any otherforum or jurisdiction, under the doctrine of forum nonconveniens or otherwise.

9.7 STATUTE OF LIMITATIONS AND DISPUTE CONDUCT

By using or accessing the Services orWebsite, you are agreeing to a modification of the statute of limitations suchthat any arbitration must begin within one (1) year of the date of your e-mailto the Company referenced above or you thereby waive the right to seek disputeresolution by arbitration or to take any other legal action.

In the event of a dispute between us, youagree to not engage in any conduct or communications, public or private,including on social media, designed to disparage the Company, any CompanyPerson, or any of its programs, products or services. Where requested by law orarbitration, of course, you are not prohibited from sharing your thoughts andopinions as a part of the legal process.

9.8 JURISDICTIONAL LIMITATIONS AND WAIVERS

Because some jurisdictions do not allow forthe exclusion of damages, the Company's liability in such jurisdictions shallbe limited to the greatest extent permitted by the law of such jurisdiction. Inaddition, because some jurisdictions do not permit the disclaimer of certainwarranties, the disclaimers set forth above may not apply to you.

If you are a California resident, you waiveyour rights with respect to California Civil Code Section 1542, which says"a general release does not extend to claims which the creditor does notknow 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 thedebtor."

If any terms of these foregoing arbitrationterms are construed to be invalid or unenforceable for any reason, it shall notaffect the validity or enforceability of any other term which shall be givenfull force and effect.

10. GENERAL PROVISIONS

10.1 SEVERABILITY

Should any provision of this Agreement beor become invalid, illegal, or unenforceable under applicable law, the otherprovisions shall not be affected and shall remain in full force and effect.

10.2 ASSIGNMENT

This Agreement shall bind and inure to thebenefit of your and our respective successors and assigns. This Agreement isfreely assignable by us, but any transfer, assignment or delegation by you,without our prior written consent, is invalid.

10.3 ENTIRE AGREEMENT

This Agreement constitutes the entireagreement between the parties with respect to its relationship and supersedeall prior oral or written agreements, understandings and representations to theextent that they relate in any way to the subject matter hereof. No waiver ofany of the provisions shall bind either party unless set forth in a writingspecifying such waiver, consent or amendment signed by both parties.

10.4 HEADINGS

The headings of this Agreement are providedfor convenience only and shall not affect its construction or interpretation.

10.5 PRIVACY POLICY REFERENCE

We respect your right to privacy. To seehow we collect and use your personal Services, please see our Privacy Policy.

11. CONTACT INFORMATION

If you have any comments, feedback, orquestions, including the resolution of a complaint regarding the Services, orif you are seeking further Services regarding the Services, the Company can becontacted at: