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Terms of Sale

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Please READ carefully by purchasing a product, service or subscription you (herein referred to as “Client”) agrees to the follow terms stated herein.

THE DIGITAL NAVIGATOR LLC (“Mind of All Trades”) DOING BUSINESS AS “MIND OF ALL TRADES” (HEREAFTER “MIND OF ALL TRADES” OR “COMPANY”) IS WILLING TO SELL TO YOU ONLY UPON THE CONDITION THAT YOU ACCEPT ALL OF THE TERMS CONTAINED IN THIS AGREEMENT. PLEASE READ THE TERMS CAREFULLY. BY CLICKING ON “I ACCEPT” YOU WILL INDICATE YOUR AGREEMENT WITH THEM. IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOUR ACCEPTANCE REPRESENTS THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY TO THESE TERMS, IN WHICH CASE “YOU” OR “YOUR” SHALL REFER TO YOUR ENTITY. IF YOU DO NOT AGREE WITH THESE TERMS, OR IF YOU DO NOT HAVE THE AUTHORITY TO BIND YOUR ENTITY, THEN Mind of All Trades IS UNWILLING TO SELL TO YOU, AND YOU SHOULD SELECT THE “DECLINE” BUTTON AND THE REGISTRATION WILL NOT CONTINUE.

1. SERVICES:

This Agreement covers the services (“Services”) as Client may engage Mind of All Trades to provide from time to time during the Term. The Services may be agreed to by the Client completing the website checkout process which contains services, or a quote delivered by the Company which may be accepted by the Client by email. All Services to be provided by Mind of All Trades will be outlined either in the website checkout system, or the quote or amendments thereto as agreed to by the parties, such agreement may be by verified email. To the extent that the terms of this Agreement shall conflict with those set forth in any quote, the terms of this Agreement shall prevail. Any and all changes to a quote shall require a written amendment to such quote agreed to by both parties.

2. TERM:

The “Term” of this Agreement shall commence on the Effective Date and shall continue through the end of the period for which the Client has paid for the Services, as indicated on the Client’s submitted checkout form or accepted and paid quote, unless earlier terminated in accordance with Section 9.

3.FEE STRUCTURE AND BILLING:

  1. The Client will not receive access to any Services until Client provides the full payment to Mind of All Trades in accordance with the pricing set forth in the respective website checkout form, or quote, which pricing is inclusive of all taxes except for applicable sales taxes, if any.
  2. Client agrees to have payments automatically processed by Mind of All Trades in accordance with the website checkout payment amounts and schedule through the authorized Client credit card or selected payment method.
  3. In the event charges due are not paid in full, for any reason, within five (5) days of being due, Mind of All Trades shall have the right to suspend all or any portion of the Services until such time as all undisputed charges and applicable late fees have been paid. Following such payment, Mind of All Trades may reinstate Services to Client only upon satisfactory assurance of Client’s ability to pay for Services, including modified payment terms.
  4. In any dispute involving monies owed to Company, the Company shall be entitled to all costs of collection, including reasonable attorney’s fees and interest at 15% per annum or the highest rate allowed by law, whichever is less, unless a lower amount is agreed to by Company.
  5. All fees and payments from the Client are non-refundable except as defined in section 9.

4.COMMUNITY INFORMATION & DISCLOSURE POLICY:

  1. Mind of All Trades acknowledges that the Client is engaged in a variety of innovative activities and that the platform facilitates the exchange of ideas, discussions, and information among its community members. Given the nature of the platform as a community, forum, and messaging service, any information shared within the platform should not be considered private or confidential.
  2. Mind of All Trades will not treat any shared information as confidential and expressly disclaims any obligation to maintain the confidentiality of information exchanged within the community. This includes, but is not limited to, discussions, posts, messages, and any content exchanged between users.
  3. The terms of this Agreement shall not restrict either party from disclosing information in response to a legal order, such as a subpoena or governmental request, provided that the disclosing party takes reasonable steps to notify the other party prior to the disclosure to allow the opportunity to contest such order.

5.PERSONAL DATA:

5.1 Definition and Permitted Use.

  1. For purposes of this Agreement, “Personal Data” means any information that is about, or can be related to, an identifiable individual involving Client or any Client content, “Client Data” means all electronic data or information submitted by Client and its users to the Services, including but not limited to Personal Data. It includes any information that can be linked to an individual or used to identify an individual, natural person directly or indirectly. Personal Data shall be considered Confidential Information regardless of the source. Client agrees to comply with all applicable local, state, national and foreign laws, treaties, and regulations in connection with its use of the Services, including without limitation those related to data privacy, international communications, and the exportation of technical or personal data. Client warrants that to the extent required by any privacy law or regulation applicable to Client or its authorized users authorized use of the Services, Client shall provide all proper notices under such privacy laws or regulations and obtain from its personnel, customer, or other required third parties all rights and permissions legally required in order to grant the authorizations in this section and to use the Services as contemplated herein. Client will ensure that any use of the Services by any authorized users is in accordance with the terms of this Agreement. Client agrees to notify Mind of All Trades immediately of any unauthorized use of any password or account necessary to log into the Services provided or any other known or suspected breach of security or any known or suspected distribution of Client content to the extent arising out of Client use of the Services or Work Product.

5.2 Ownership and Treatment of Personal Information. As between Client and Mind of All Trades, Client is and shall remain the sole and exclusive owner of all right, title and interest in and to Personal Data. Personal Data shall be considered Client’s Confidential Information. Notwithstanding anything else in this Agreement or otherwise, Client acknowledges and agrees that Mind of All Trades may monitor Client’s use and of its users’ use of the Services, including any data and information related to such use, and the Client Data only in an aggregated and anonymous manner, including to compile statistical and performance information related to the provision and operation of the Services (“Aggregated Statistics”). As between Mind of All Trades and Client, all right, title and interest in the Aggregated Statistics, belong to and are retained solely by Mind of All Trades. Client acknowledges that Mind of All Trades will be compiling Aggregated Statistics based on Client Data input into the Services and Client agrees that Mind of All Trades may (a) make such Aggregated Statistics publicly available, and (b) use such Aggregated Statistics to the extent and in a manner permitted by applicable law or regulation, including, without limitation for purposes of data gathering, analysis, service enhancement and marketing, provided that such Aggregated Statistics do not identify Client, Personal Data, or Client’s Confidential Information.

6. CLIENT OBLIGATIONS:

  1. Authorized End User Access to Services. Subject to the terms and conditions herein, Client may permit any authorized user to access and use the Services. Clients will manage account access of authorized users and utilize reasonable administrative controls to secure accounts.
  2. To the extent that Client and any authorized user, through or in connection with use of the Services or website, collect, use, send, store or disclose data from any other party, Client and/or each authorized end user represents that it has all requisite rights to storing, accessing, using, displaying or sending such data, information or materials in connection with or through the website or Services in accordance with all applicable laws and regulations, including data privacy regulations.
  3. Usage Restrictions. The rights granted to Client in the Agreement are subject to Client’s authorization and payment of all Fees to access and use the Services, as well as the following restrictions: Client shall not, and shall not permit any authorized user to: (i) license, sell, rent, lease, transfer, assign or otherwise make available the Services, website or the documentation provided by Company available to any third party without Company’s approval; (ii) modify, copy, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Services; (iii) take any action or subject Services to any testing or interference that may disrupt, delay or otherwise interfere with the performance of the Services without the prior written consent of the Company, including but not limited to unauthorized penetration or benchmark testing; (iv) make any unauthorized use, resale or commercial exploitation of any part of the Services; (v) remove, obscure, or alter any notice of any intellectual property or proprietary right appearing on or contained within any of the website or Services; (vi) use the website or Services to send spam or unsolicited messages in violation of any laws, or send, upload, use or store any material containing viruses, worms, Trojan horses or any other malicious or harmful computer code, file, script, agent or program with the website or Services, or upload or transmit any information, data or material to or from the website or Services that infringes any third party rights, is threatening, libelous, or violates any third party privacy rights; or (vii) interfere with the Services or gain unauthorized access to the Services or Mind of All Trades Technology. Client shall ensure that its use and its authorized end user’s use of the Services or any website provided complies with all applicable laws, statutes, regulations or rules and shall not use or compile any of the Services or website for the purpose of any illegal activity.
  4. Client acknowledges and agrees that Company shall have the right and authority to take all reasonable steps appropriate and/or necessary to protect the security and integrity of the Services or any website or portal hosted for Client as judged in Company’s reasonable discretion which may include temporary suspension of the Services or website, upon notice if (i) anyone that has violated or attempts to violate the provisions of Section 6(c), or (ii) there is a potential threat to or attack on the Services or website. In such instances, Company will promptly notify Client of such suspension and the steps taken by Company in connection with such suspension and if the cause is due to a third party threat, the Company will make reasonable efforts to resolve the same and restore the Services as promptly as possible. Company may also suspend or temporarily revoke Client’s access or use of the Services or any website for any account for which any payment is due but remains unpaid after five (5) day’s prior written notice of such delinquency. Client agrees that Company shall not be liable to Client, or to any third party, for any suspension of the Service or website resulting from Client’s non-payment of the fees.
  5. Each Party represents that it will comply with its responsibility in relation to the preservation of Payment Card Industry Data Security Standards (“PCI-DSS”), in accordance with the use and performance of the Services, and agrees to maintain all PCI-DSS requirements in connection with such use. Both Parties agree to cooperate fully to the extent necessary to fulfill joint obligations, and neither Party shall be held liable to the extent the other Party refuses or delays cooperation on a joint obligation as is necessary or reasonably required in connection with PCI DSS. Each Party shall implement and maintain commercially reasonable security measures to protect all cardholder data in their possession or control and not take any action in connection with using the Application IP that places either Party in non-compliance with the PCI DSS.
  6. Company acknowledges that as between Company and Client, Client owns or otherwise has rights to all Client content that it provides or otherwise permits access to Company for the Services, including Client Data. Except (a) as expressly set forth in this Agreement or any quote or SOW as being the responsibility of Company or (b) for the acts and/or omissions by the Company, Client is solely responsible and liable for all Client content. Client represents and warrants that it has all necessary rights, permission and authorization to transmit or otherwise permit access to any such Client content to Company, including any data or information contained therein and that, to the extent Client shares or otherwise permits Company or the Services or website to make use of any credentials to obtain such Client content, that such sharing of credentials shall not violate the rights of, or any contractual obligations with, any third party.
  7. Client agrees to comply with all applicable local, state, national and foreign laws, treaties, regulations and conventions in connection with its use of the Services or website, including without limitation those related to data privacy, international communications, and the exportation of technical or personal data. Client warrants that to the extent required by any privacy law or regulation applicable to the provision of the Services to Client or its authorized users, Client shall provide all proper notices under such privacy laws or regulations and obtain from its personnel, customer, or other required third parties all rights and permissions legally required in order to grant the authorizations in this section and to use the Services as contemplated herein. Client will ensure that any use of the Services by any authorized users is in accordance with the terms of this Agreement. Client agrees to notify Company immediately of any unauthorized use of any password or account or any other known or suspected breach of security or any known or suspected distribution of Client content. Client certifies that neither Client nor any authorized users are on the U.S. Department of Commerce’s Denied Persons List or affiliated lists or on the U.S. Department of Treasury’s Specially Designated Nationals List. Any unauthorized use of the Services or website may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

7. INTELLECTUAL PROPERTY RIGHTS:

  1. This is an agreement for the provision of Mind of All Trades ’s Services and not an agreement for sale. Client agrees that Mind of All Trades retains all right, title and interest (including all patent, copyright, trade secret and other intellectual property rights) in and to Mind of All Trades’s technology, intellectual property rights, source code, software, logos, ideas, layouts, artwork, scripts, designs, templates, content, images, video, APIs, methodologies, know-how and any modifications, improvements and derivative works thereof, excluding the Client Materials and Client’s Information (collectively, “Mind of All Trades Technology”). Unless otherwise specified in the Statement of Work, Mind of All Trades hereby grants Client a worldwide, non-exclusive license to use Mind of All Trades Technology solely in connection with the Services. Nothing herein shall be construed as restricting Client’s ability to use and exploit any and all of the proceeds and results of the Service during the Term of the Services.
  2. Subject to the terms and conditions of this Agreement, Client hereby grants Mind of All Trades a non-transferable, worldwide, non-sublicensable, non-exclusive, revocable and limited license to use the Client Materials solely as necessary to perform the Services during the term of the applicable SOW. As used herein, the term “Client Materials” shall mean the logo along with the trademarks, approved key artwork, advertising, promotional materials and/or other elements supplied to Mind of All Trades by Client. Client represents and warrants that all Mind of All Trades shall have all permissions, authority and rights to access all Client Material provided to it and such Client Material shall not violate, infringe or misappropriate the rights of any third party.

8. DISCLAIMERS; REPRESENTATIONS AND WARRANTIES/INDEMNIFICATION:

  1. EXCEPT AS MAY BE PROVIDED IN ANY SEPARATE WRITTEN AGREEMENTS SIGNED BY THE PARTIES, THE SERVICES, CONTENT, AND/OR PRODUCTS PERFORMED OR PROVIDED BY Mind of All Trades ARE PROVIDED “AS-IS”, AND NEITHER Mind of All Trades NOR ANY OF ITS LICENSORS MAKE ANY REPRESENTATION OR WARRANTY WITH RESPECT TO SUCH PRODUCTS, SERVICES, AND/OR CONTENT. EXCEPT AS MAY BE PROVIDED IN ANY SEPARATE WRITTEN AGREEMENT SIGNED BY THE PARTIES Mind of All Trades SPECIFICALLY DISCLAIMS, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, RELATING TO THE SERVICES OR PRODUCTS, AND/OR CONTENT ACQUIRED FROM OR PRODUCED BY Mind of All Trades, INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, COMPLETENESS, TIMELINESS, CORRECTNESS, NON-INFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. NEITHER Mind of All Trades NOR ANY OF ITS REPRESENTATIVES OR LICENSORS REPRESENTS OR WARRANTS THAT ITS PRODUCTS, SERVICES, AND/OR CONTENT: (A) WILL BE SECURE, TIMELY, UNINTERRUPTED OR ERROR-FREE OR OPERATE IN COMBINATION WITH ANY OTHER HARDWARE, SOFTWARE, SYSTEM OR DATA, (B) WILL MEET CLIENT’S REQUIREMENTS OR EXPECTATIONS, OR (C) WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THESE DISCLAIMERS CONSTITUTE AN ESSENTIAL PART OF THIS AGREEMENT. NO PURCHASE OR USE OF THE SERVICES OR PRODUCTS IS AUTHORIZED HEREUNDER EXCEPT UNDER THESE DISCLAIMERS. IF IMPLIED WARRANTIES MAY NOT BE DISCLAIMED UNDER APPLICABLE LAW, THEN ANY IMPLIED WARRANTIES ARE LIMITED IN DURATION TO THE PERIOD REQUIRED BY APPLICABLE LAW. SOME STATES OR JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY MAY LAST, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO CLIENT. The parties acknowledge that the limitations set forth herein are integral to the amount of fees levied in connection with this Agreement, and that, were Mind of All Trades to assume any further liability other than as set forth herein, such fees would of necessity be set substantially higher. Mind of All Trades does not monitor or exercise control over the Client’s content of the information transmitted through its website, systems, or facilities. Use of the Services or any information that may be obtained therefrom is at Client’s own risk. Mind of All Trades shall have no responsibility or liability for the accuracy or quality of information obtained through its Services. Mind of All Trades shall not be deemed to be in default of any provision of this Agreement or be liable for any delay, failure of performance or interruption of the provision of services to Client resulting, directly or indirectly, from any (i) weather conditions, natural disasters or other acts of God, (ii) action of any governmental or military authority, (iii) failure caused by telecommunication or other Internet provider, or (iv) other force or occurrence beyond its control. IN NO EVENT WILL ANY LIABILITY EXCEED THE TOTAL AMOUNT OF ALL FEES PAID TO OR DUE TO MIND OF ALL TRADES BY CLIENT UNDER SECTION 3 DURING THE THREE (3)-MONTH PERIOD PRIOR TO THE ACT, OMISSION OR EVENT GIVING RISE TO SUCH LIABILITY. THIS LIMITATION OF LIABILITY IS INTENDED TO APPLY WITHOUT REGARD TO WHETHER OTHER PROVISIONS OF THIS AGREEMENT HAVE BEEN BREACHED OR HAVE PROVEN INEFFECTIVE.
  2. Client shall indemnify, defend and hold Mind of All Trades, its parent, subsidiaries, corporate affiliates, and their respective officers, directors, employees and agents, harmless from and against any and all claims, liabilities, suits, actions, penalties, and damages (including reasonable fees for an attorney of Mind of All Trades’s choice) (collectively, “Claims”) that arise in connection with, or are alleged to arise in connection with Client’s breach of this Agreement (including breach of any representation or warranty) and/or negligence or willful misconduct, but not limited to: (a) breach of any representation, warranty, obligation, or covenant in this Agreement; (b) violations of applicable federal, state, or local statutes or regulations including without limitation privacy laws, laws governing marketing to children, mobile marketing laws, privacy, and anti-lottery laws; (c) property damage or personal injury; (d) applicable taxes or assessments with respect to consideration paid hereunder; (e) Claims by Client’s employees and contract personnel, if any; (f) Claims for violation of any third party’s privacy or publicity rights, trade secrets, proprietary information, or other registered or unregistered intellectual property or proprietary rights; and (g) Claims for unfair or deceptive trade practices, false or deceptive advertisement, act of unfair competition, or violation of any consumer protection law.
  3. Client shall not settle any Claim described in Section 8(b) without Mind of All Trades’s prior written approval, which may not be unreasonably withheld or delayed. Client agrees to pay or reimburse all costs that may be incurred by Mind of All Trades in enforcing the indemnity set forth in Section 8(b), including reasonable attorneys’ fees
  4. Client’s obligations under this Section 8 shall survive the expiration or termination of this Agreement.

9. TERMINATION AND CANCELLATION:

  1. Mind of All Trades may immediately terminate this Agreement and/or any one or more quotes hereunder at its sole discretion, and Client shall not be entitled to any damages other than the refund of a prorated refund for undelivered Services paid Client, calculated based on the service period.
  2. The CThe Client may terminate this agreement by either logging into their account on the platform and selecting the cancellation option within the payment area, or by sending an email to support@mindofalltrades.com  with the subject line "Service Cancellation". To be effective, the termination must be completed within 3 days of the renewal date. The Client will not be entitled to a refund for any payments already made, but will continue to have access to the Service until the end of the period for which the services have been paid. Failure to complete the termination process within the specified time will result in the continuation of the subscription and the applicable charges for the renewal period.
  3. Upon any termination of this Agreement, Client will (i) immediately discontinue all use of the Services.
  1. LIMITATION OF LIABILITY:
  1. NEITHER PARTY WILL BE LIABLE TO THE OTHER FOR ANY INDIRECT, SPECIAL, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, INCLUDING COST OF COVER, LOST PROFITS, LOST GOODWILL, LOST USE OR PERFORMANCE OF ANY PRODUCTS, SERVICES, OR OTHER PROPERTY, LOSS OR IMPAIRMENT OF DATA OR SOFTWARE, OR OTHERWISE EVEN IF IT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE EXCLUSIVE REMEDY AGAINST Mind of All Trades FOR ANY DAMAGES DETERMINED OWED TO CLIENT PURSUANT TO SECTION 13 ARISING OUT OF OR RELATED TO THIS AGREEMENT SHALL BE THE REFUND OF THE FEES PAID BY CLIENT FOR THE PREVIOUS THREE (3) MONTHS TO Mind of All Trades WITH RESPECT TO THE THEN CURRENT TERM OF THIS AGREEMENT. THIS LIMITATION OF LIABILITY IS INTENDED TO APPLY WITHOUT REGARD TO WHETHER OTHER PROVISIONS OF THIS AGREEMENT HAVE BEEN BREACHED OR HAVE PROVEN INEFFECTIVE.

11. NOTICES:

All notices hereunder shall be in writing and shall be served by first class mail, postage prepaid, electronic mail, or by a nationally-recognized, overnight courier, duly addressed as follows:

 

If to Mind of All Trades: Attention The Digital Navigator, 5830 E 2ND ST, STE 7000 #7907, Casper, WY 82609

 

If to Client: the address set forth on the invoice or website checkout form shall also be effective when sent by email to contact@mindofalltrades.com or to Client’s verified email address as of the next business day.

12. INDEPENDENT CONTRACTOR:

  1. Nothing in this Agreement shall be construed to create a partnership, joint venture, or employer/employee relationship between the parties hereto, and Mind of All Trades and its employees and agents shall be deemed to be at all times independent contractors.
  2. Mind of All Trades shall determine the method, details, and means of performing the Services and shall devote such time as reasonably necessary to perform the Services. Mind of All Trades shall utilize its own equipment and shall be solely responsible for the supervision of its employees and contract personnel, if any.

13.Non-Solicitation:

During this agreement, and for a period of 2 years immediately following the termination or expiration of this Agreement, Client agrees not to solicit or induce any employee or independent contractor to terminate or breach any employment, contractual or other relationship with Mind of All Trades and entities under the control of Mind of All Trades as it would cause financial losses. Client agrees that for each individual that Client hires or engages in violation of this Section 13, Client shall pay to Mind of All Trades liquidated damages equal to the greater of one hundred and fifty percent (150%) of the annual cumulative value of all compensation and benefits paid or payable to that individual by either Client or Mind of All Trades, whichever amount is greater, plus US$50,000.00.

14. MISCELLANEOUS:

  1. This Agreement is governed by, and construed and enforced in accordance with, the laws of Wyoming, without regard to its law governing conflict of laws or to the United Nations Convention on the International Sale of Goods. For purposes of all claims brought under this agreement, each of the parties hereby irrevocably submits to the exclusive jurisdiction of, and venue in, the state and federal courts located in Cheyenne, Wyoming. The parties further agree and irrevocably submit to conducting all judicial proceedings, including hearings, depositions, and trial, virtually to the extent that virtual proceedings are allowed by the court governing the action. All terms in this Agreement are only intended to apply to the maximum extent permitted by applicable law.
  2. This Agreement including any website checkout form submitted, or quote, and the Terms of Use and Privacy Policy incorporated herein by reference contains the entire agreement between Client and Mind of All Trades with regard to the subject matter hereof and supersedes all prior agreements between the parties whether oral or written. In entering this Agreement, neither Party has relied upon any statement, representation, warranty or agreement of the other Party except for those expressly contained in this Agreement. Notwithstanding any language to the contrary therein, no terms or conditions stated in a Client purchase order or in any other Client order documentation shall be incorporated into or form any part of this Agreement, and all such terms or conditions are specifically and expressly rejected by Mind of All Trades and shall be null and void
  3. This Agreement may not be modified except as agreed by Client and an officer of Mind of All Trades, electronic mail shall be acceptable to modify this Agreement, or any quote.
  4. The language of this Agreement shall be given its ordinary meaning and any ambiguity herein shall not be construed against either party.
  5. Except as expressly provided in this Agreement, (i) this Agreement is entered into solely between, and may be enforced only by, Client and Mind of All Trades; and (ii) this Agreement shall not be deemed to create any rights in third parties, including without limitation subcontractors, or create any obligations of any party to such third parties.
  6. Client may not assign this Agreement without Mind of All Trades ’s prior written consent.
  7. If any part of this Agreement is deemed unenforceable, the remaining portions shall continue in full force and effect.

Service Policies

Please READ carefully by utilizing a product, service or subscription you (herein referred to as “Client”) agrees to the follow Service Policies policies stated at https://mindofalltrrades.com/terms-of-service/.

Consent to these policies

By using this website and our products and services, both paid and unpaid, you agree to our Terms of Use. If we make changes to our Terms of Sale Terms of Service, or Terms of Use, we will post those changes on their respective pages. Please review these pages frequently and prior to utilizing our services to remain up-to-date with our policies

This document has had the following material modifications: none.