CardRegistry - Build, Compete, Collect

This website (the "Website") is operated by Numisking, LLC ("Company"). The English version hereof is the legally binding version, and any other language versions provided on this or any other website are made available for convenience purposes only and do not govern the legal relationship between Company and the website user. BY USING THE WEBSITE, YOU ACCEPT AND AGREE TO THESE TERMS AS APPLIED TO YOUR USE OF THE WEBSITE. If you do not agree to these Terms, you may not access or otherwise use the Website. the Company may change the Terms from time to time, at any time without notice to you, by posting such changes on the Website, to be effective immediately.

Terms of Use

1. Accessing and Using the Website.

The Website is controlled and operated from the United States of America using a server located in the United States of America. the Company provides the Website for use only by persons in the United States of America. The Company do not represent that materials on the Website are appropriate or available for use in other locations. Persons who choose to access the Website from other locations do so on their own initiative, and thereby accept our Terms under the laws of the United States of America.You are responsible for:

Making all arrangements necessary for you to have access to the Website; and
Ensuring that all persons who access the Website through your internet connection are aware of these Terms and comply with them.

The Company reserves the right to withdraw or amend the Website, and any service or material the Company provides on the Website, in our sole discretion without notice. The Website may be unavailable from time to time due to mechanical, telecommunications, software, and third-party vendor failures. Company cannot always predict or control when such downtime may occur, cannot always control the duration of such downtime, and is not responsible for any losses caused by such downtime. From time to time, the Company may also restrict access to some parts of the Website, or the entire Website, to users, including registered users.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current, and complete. You agree that all information you provide to register with the Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions the Company takes with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the Website or portions of it using your user name, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

The Company has the right to disable any user name, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms.

b. Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms.

You agree not to use the Website:

In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries);
For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise;
To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letter", "spam", or any other similar solicitation;
To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing); or
To engage in any other conduct that restricts or inhibits anyone's use or enjoyment of the Website, or which, as determined by us, may harm Company or users of the Website or expose them to liability.

Additionally, you agree not to:

Use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Website, including their ability to engage in real time activities through the Website;
Use any robot, spider, or other automatic device, process, or means to access the Website for any purpose, including monitoring or copying any of the material on the Website;
Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without our prior written consent;
Use any device, software, or routine that interferes with the proper working of the Website;
Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful;
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer, or database connected to the Website;
Attack the Website via a denial-of-service attack or a distributed denial-of-service attack; or
Otherwise attempt to interfere with the proper working of the Website.

c. User Contributions

The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards, and other interactive features (collectively, "Interactive Services") that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, "post") content or materials (collectively, "User Contributions") on or through the Website. All User Contributions must comply with the Content Standards set out in these Terms.

You represent and warrant that:

You own or control all rights in and to the User Contributions and have the right to grant the license granted herein to us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns; and
All of your User Contributions do and will comply with these Terms.

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not Company, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.

The Company is not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website.

The Company has the right to:

Remove or refuse to post any User Contributions for any or no reason in our sole discretion;
Take any action with respect to any User Contribution that the Company deems necessary or appropriate in our sole discretion, including if the Company believes that such User Contribution violates the Terms, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for Company;
Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy;
Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website; and
Terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms.

Without limiting the foregoing, the Company has the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS Company AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY Company, SUCH PARTIES, OR LAW ENFORCEMENT AUTHORITIES.

The Company does not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, the Company assumes no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. The Company has no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

d. Content Standards

These content standards apply to any and all information. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:

Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable;
Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;
Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person;
Violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and our Privacy Policy;
Be likely to deceive any person;
Promote any illegal activity, or advocate, promote, or assist any unlawful act;
Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person;
Impersonate any person, or misrepresent your identity or affiliation with any person or organization;
Involve any contests or sweepstakes or involve any other commercial activities, sales, promotions, barter, or advertising outside of designated sections of the Website; or
Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

e. Reliance on Information Posted

Reasonable efforts are made to ensure the accuracy and integrity of information and related materials provided by Company on the Website, but Company is not responsible for misprints, out of date information, technical or pricing inaccuracies, typographical or other errors appearing on the Website, the websites of any Company member dealer, or any other website. Information and related materials are subject to change without notice.

Any views expressed by third parties on the Website are solely the views of the third party and Company assumes no responsibility for the accuracy of any statement which they have made. These materials do not necessarily reflect the opinion of Company.

The Website may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services or links to other websites or resources including websites of independent Company Official Submission Centers, Company Authorized Dealer members and Company Strategic Partners (who are not agents of Company) ("Third-Party Content"). The Company have no control over the content of Third-Party Content. The Company are not responsible, or liable to you or any third party, for the availability of any websites linked from the Website, the content or accuracy of any Third-Party Content (including, without limitation, any goods or services available from a linked website or other advertising or content a such linked website), or the use that such linked website makes of your personal information. Furthermore, the Company will not be responsible for any offense, damage or loss caused by or connected to the use or reliance on Third-Party Content.

Reference to any product, service or other offering of any third party by name, trademark, company name or otherwise does not necessarily constitute or imply the endorsement or recommendation of Company.

The Website may be accessed by international users and may contain references to Company products or services that are not available in your country. Such references do not imply that Company intends to make available in your country such products or services or that such products may be lawfully used in or imported into your country. Company reserves the right without prior notice to discontinue products or services or change specifications or prices at any time without incurring any obligations to any party.

f. Information About You and Your Visits to the Website

Access to the Website may be monitored from time to time. The requesting URLs, the machine originating the request, and the time of request may be logged for access statistics and security purposes. Use of the Website constitutes consent to such monitoring. Further information relating to the types of information collected in included in our Privacy Policy.

2. Intellectual Property Rights

a. Company's Rights.

The Website and its entire contents, features, and functionality (including, but not limited to, all text, displays, names, characters, images, trademarks and logos, and the design, selection, and arrangement thereof) are protected by trademark rights, copyrights and other rights owned by Company and Company's licensors, suppliers, accounts, or other owners of such materials. Numisking is an unregistered trademarks and/or copyright or design right protected property of Company in the U.S. and/or other countries. You must not use such property without Company's prior written permission. All other names and marks mentioned in the Website are the trade names, trademarks, or service marks of their respective owners. By hosting the Website, Company is not soliciting ideas or suggestions for concepts or techniques from the public. Should any user of this web page voluntarily provide such suggestions or feedback, such information shall be deemed to be non-confidential and non-proprietary. By providing any User Contribution on the Website or otherwise communicating such information to Company, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the worldwide, perpetual and royalty-free right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material, ideas, and concepts for any purpose whatsoever, including but not limited to development, manufacturing, and marketing products. Company may, in its sole discretion, attribute such User Contributions to the posting user, as Company deems appropriate.

b. Your Rights to Use the Website Content.

You may view, copy, print out, and use content gathered from the Website solely for your personal use, provided that (1) the content available from the Website is used for informational and non-commercial purposes only; (2) no text, graphics, or other content available from the Website is modified in any way; and (3) no graphics available on the Website are used, copied, or distributed separate from accompanying text. Nothing contained herein shall be construed as conferring by implication or otherwise any license or grant of right to use any patent, copyright, trademark, service mark or other intellectual property of Company except as expressly provided herein.

c. Notifications of Copyright Infringement.

The Company take claims of copyright infringement seriously. The Company will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access to them) from the Website by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) ("DMCA"), the following is some of the information the written notice (the "DMCA Notice") must include substantially the following:

Your physical or electronic signature;
Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works;
Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material;
Adequate information by which the Company can contact you (including your name, postal address, telephone number, and, if available, email address);
A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law;
A statement that the information in the written notice is accurate; and
A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Our designated copyright agent to receive DMCA Notices is: support@numisking.com

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

IT IS COMPANY'S POLICY TO TERMINATE THE USER ACCOUNTS OF REPEAT INFRINGERS.

d. Counter-Notification of Removed Content.

If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (a "Counter-Notice") by submitting written notification to our copyright agent designated above. Pursuant to the DMCA, the following is some of the information the Counter-Notice must include substantially the following:

Your physical or electronic signature;
An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled;
Adequate information by which the Company can contact you (including your name, postal address, telephone number, and, if available, email address);
A statement under penalty of perjury by you that you have a good faith belief that the material identified above was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and
A statement that you will consent to the jurisdiction of the Federal District Court for the judicial district in which your address is located (or if you reside outside the United States for any judicial district in which the Website may be found) and that you will accept service from the person (or an agent of that person) who provided the Website with the complaint at issue.

The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice. Please be aware that if you knowingly materially misrepresent that material or activity on the Website was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys' fees) under Section 512(f) of the DMCA.

SERVICES TERMS

These Terms apply to the services ("Services") ordered by you ("You") and described in an intake form:

3.

You are submitting collectible(s) for certification by Numisking, LLC "Company".

4.

You shall complete all intake information on the Intake Form, and package and ship all collectibles, in accordance with the instructions on the Intake Form. You represents and warrants that the estimated fair market value of each submitted collectible is as set forth by You on the Intake Form (the "Estimated Value"). The Company will charge for the Services and fees according to its determination of the fair market value of the collectible (the "Actual Value"). Regardless of the particular Services You requested for submitted collectibles, Company reserves the right to convert any intake to its service, or correct any clerical errors on the Company's certification.

5.

You represents and warrants that it has no knowledge and no reasonable basis for belief that any collectible submitted is not genuine or contains any non-disclosed alterations or restorations, including, but not limited to, trimming, re-coloring, bleaching, power erasing, re-backing, artificially toning, applying or removing punches or stamps, or any other method used to change or enhance the appearance, condition, or content of a collectible (collectively "Tampering" or "Tampered"). You acknowledges that Tampering is wrongful and violations of this Section 3 shall entitle Company to compensatory damages and injunctive relief, as appropriate.

6.

If any collectibles are being submitted for a third party, You represents and warrants that the third party has authorized You to submit the collectibles for the Services. (Collector members may not submit for third parties.)

7.

You agrees to pay Company all Services fees at the time of intake. If a collectible is moved to an Actual Value, You must immediately pay any additional fees due. Prices for Services are subject to change. Prices on pre-printed paper Intake Forms are only current as of the date of printing, so You should confirm current prices on Company's web site. If payment is being made by credit card, You agrees that Company may charge all Services fees to the credit card upon receipt of the Intake Form. Unpaid balances shall accrue interest at the rate of 1.0% per month until paid. You hereby grants to Company a security interest in the collectibles submitted to secure payment of any Services fees. In addition to such security interest, You agrees that Company may hold any collectibles or other property submitted by You until You has paid in full all outstanding balances, regardless of whether such balances are related to such collectibles or other property.

8.

If an intake is shipped internationally, You shall designate itself as the "importer of record" and shall be responsible for all customs-associated duties, taxes, and fees. If Company incurs any customs duties, taxes, or fees on Your behalf in connection with an international intake, such costs will be added to Your invoice plus and administrative fee of US$25.

9.

You assumes all risk of loss or damage to collectibles until collectibles are received and inspected by Company. Company's provision of Services commences upon receipt of an intake of collectibles from You. Once an intake of collectibles is delivered to Company, it cannot be canceled or changed by You.

10.

The Company compiles data regarding, and make digital images of, collectibles submitted for Services. In partial consideration for the performance of Services pursuant to the Intake Form, You hereby authorizes Company to compile such data and make such images and agrees that Company shall have an irrevocable, non-exclusive, perpetual, unlimited, royalty-free right and license to use and commercialize such data and images for any purpose.

11.

You acknowledges that certain coins, tokens, or medals may be more susceptible to damage due to the state in which they are provided by You to Company (for example, collectibles that are enameled, colorized, painted, jeweled, or have holograms or other specialty applications; collectibles that are extremely thin; collectibles that are extremely fragile or brittle. You further acknowledges that certain paper collectibles may be more susceptible to damage, even when reasonable care is exercised in handling them, due to the state in which they are provided by You to Company (for example, items that are worn, fragile, or brittle) and/or the properties, characteristics and quality levels of the materials of which the items are composed. Company will use reasonable care with respect to collectibles submitted to it for Services. In the event that Company determines that a collectible is damaged due to negligence or lost while in Company's possession, Your sole remedy will be compensation based upon the Company's good faith determination of the fair market value of the collectible and/or diminution in value, in light of what the Company believes to be reliable current market information, but not to exceed the higher of the maximum value for the Estimated Value or the Actual Value, if any.

12.

Company maintains a list of current Terms applicable to particular intake types and Services on its website. You agrees to any such applicable Terms.

13.

HOLDERS FOR COLLECTIBLES ARE DESIGNED TO BE TAMPER-EVIDENT AND EXTREMELY DIFFICULT FROM WHICH TO REMOVE A COLLECTIBLE. DUE TO THE INHERENT RISKS INVOLVED IN REMOVING COLLECTIBLES FROM HOLDERS, IN THE EVENT THE SERVICES INVOLVE REMOVING A COLLECTIBLE FROM ITS HOLDER, YOU AGREES TO RELEASE, WAIVE, AND DISCHARGE COMPANY AND THEIR DIRECTORS, OFFICERS, AGENTS, AND EMPLOYEES ("RELEASEES") FROM ALL LIABILITY TO YOU AND ITS ASSIGNS, AND COVENANTS NOT TO SUE RELEASEES IN CONNECTION WITH ANY LOSS OR DAMAGE ARISING OUT OF ANY RELEASEE'S EFFORTS TO FULFILL YOUR REQUEST TO REMOVE A COLLECTIBLE FROM A HOLDER, UNLESS SUCH LOSS OR DAMAGE IS CAUSED BY THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF COMPANY.

14.

Company will use commercially reasonable efforts to perform the Services in accordance with the then-current description of such Services set forth on their websites and within the time frames indicated thereon.

15.

Company has the right in its sole discretion to reject any collectibles submitted for Services in cases where the submitted collectibles do not comply with Company's then-current standards and procedures set forth on its website. Because even collectibles that are ultimately rejected must still be received, tracked and examined, fees for Services shall not be refunded for such rejected collectibles.

16.

You agrees to notify Company of any changes in Your contact information. If You-submitted property remains unclaimed for a period of one (1) year from intake, Company may dispose of such property in any manner without liability. Company may also charge You for reasonable costs and expenses incurred in storing (US$1 per collectible per month) and insuring (0.1% of fair market value per month) unclaimed property.

17.

Company will generally ship via FedEx with insurance coverage procured by Company. Insurance coverage shall be limited to the insurance limit posted on the Intake Form for the return shipping service selected by You. In the event of a claim for loss or damage during return shipping, the basis for valuation shall be the fair market value of each collectible at the time of loss, as determined by Company in its sole reasonable discretion, not to exceed the posted insurance limit for the return shipping service selected by You. Important Note: Even if a submitted collectible has been moved to an Actual Value, insurance coverage for a return shipment will be based on the return shipping service selected by You on the Intake Form, with insurance coverage limited to the insurance limit posted on the Intake Form for that return shipping service. Unless You receives approval for additional insurance in advance, You ASSUMES RISK OF LOSS OR DAMAGE to collectibles during return shipment to the extent the fair market value of any package exceeds the insurance limits for the return shipping service selected by You. If You selects any other method of shipment, or if You wishes to use its own FedEx, UPS or USPS Express Mail account for return shipment, then such return shipments will NOT be insured and YOU ASSUMES ALL RISK OF LOSS OR DAMAGE TO COLLECTIBLES DURING RETURN SHIPMENT.

18.

In the event of a claim involving non-delivery (lost or stolen package), You shall notify Company within fourteen (14) days after the estimated delivery date and in no event later than thirty (30) days after the date of shipment.

19.

All packages should be inspected before signing for the delivery. In the event of a claim involving damage to a package, You shall (i) inform the delivery courier immediately upon inspection and request damage comments be added to delivery notes; (ii) NOT discard the box; (iii) take photographs of the damage / tampering and secure the box for possible inspection. Additional information and/or documentation may be required by Company or its insurer(s) on a case-by-case basis.

20.

You must inspect all collectibles immediately upon receipt from Company. Company shall have no liability for any damage unless reported to Company within fourteen (14) days of Your receipt of the collectibles from Company. Any liability of Company is subject to the limitations above.

21.

You agrees to return to Company, at the Company's expense, any collectible bearing a clerical error made by the Company. Company will, at its expense, correct the clerical error and return the corrected collectible to You. You agrees to indemnify, defend and hold Releasees harmless from and against all claims, liabilities and expenses (including reasonable attorneys' fees) relating to or arising directly or indirectly from Your failure to comply with this Section 21.

22.

In the event a collectible submitted by You is determined, at any time, to be not genuine or to have been Tampered with, You shall provide reasonable cooperation to Company and to any subsequent owner of such collectible, including the reversal of any sales transaction involving You and such subsequent owner or intermediate purchaser or transferee.

GENERAL TERMS

23.

To the extent allowed under the law, you agree to defend, indemnify, and hold harmless Company its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Website, including, but not limited to, your User Contributions, any use of the Website's content, services, and products other than as expressly authorized in these Terms or your use of any information obtained from the Website.

24.

THE WEBSITE AND ALL INFORMATION AND RELATED MATERIALS IT CONTAINS ARE PROVIDED "AS IS." COMPANY MAKES NO CLAIMS OR WARRANTY WHATSOEVER REGARDING THE COMPLETENESS, ACCURACY, OR ADEQUACY OF, OR THE SUITABILITY, FUNCTIONALITY, AVAILABILITY OR OPERATION OF THE WEBSITE OR THE INFORMATION AND MATERIALS IT CONTAINS. TO THE EXTENT PERMITTED UNDER THE LAW, COMPANY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, REGARDING SUCH COMPANY AND / OR THE SERVICES, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL COMPANY OR ANY OF ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS OR AGENTS, BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EXCEPT AS OTHERWISE EXPRESSLY SET FORTH IN THE GUARANTEE IN NO EVENT SHALL THE AGGREGATE LIABILITY OF COMPANY, ITS AFFILIATES, AND ANY OF ITS OR THEIR RESPECTIVE EMPLOYEES, OFFICERS, DIRECTORS OR AGENTS TO THE YOU OR ANY THIRD PARTY FOR WHOM THE YOU MAY BE ACTING, ARISING FROM ANY CAUSE, ACT, OMISSION OR OTHER CIRCUMSTANCE, EXCEED THE FEES PAID OR PAYABLE FOR THE SERVICES ORDERED PURSUANT TO THE INTAKE FORM.

25.

The laws of the State of North Carolina, without regard to its choice-of-law principles, shall apply to transactions and / or disputes between Company and You. You agrees to (1) the exclusive jurisdiction and venue for any dispute of the state and / or federal courts located in, or serving Charlotte, North Carolina; (2) not challenge such jurisdiction or venue; and (3) accept service by certified or registered mail.

26.

These Terms, together with (i) the Intake Form; (ii) the Services and Fees page of the e Company's web site; (iii) the appropriate corresponding Guarantee; (iv) the collector or dealer agreement, if applicable; (v) Company's Privacy Policy; and (vi) Company's Terms of Web Site Use, constitute the entire agreement of Company and You (and any third party for whom You may be acting) regarding, and supersede all prior agreements and understandings (written or oral) between or among such parties relating to, the subject matter hereof. In the event of a conflict, the Services and Fees page of the Company's web site shall prevail over any pre-printed Intake Form. If any term or condition is determined, by a final and non-appealable ruling or order of a court of competent jurisdiction, to be invalid or unenforceable under applicable law, such invalidity or unenforceability shall not affect the validity or enforceability of any of the other Terms hereof.

TERMS OF USE AND SERVICE TERMS