State of North Carolina

Rev. 1343F05

Drafted 13 January 2024

This Terms of Use Agreement (“Agreement”), along with our Company Privacy Policy, constitutes a legally binding agreement made between you, whether personally or on behalf of an entity (“user” or “you”) and Desk43 and its affiliated companies, websites, applications, and tools (collectively, Desk43 , “Company” or “we” or “us” or “our”), concerning your access to and use of the https://www.desk43.org website(s) as well as any other media form, media channel, mobile website, or mobile application related or connected thereto (collectively, the “Sites”).

The Sites provide the following service: writing, editing, teaching, and learning services and resources online for the instruction, enrichment, and remediation of the humanities and social studies for students, parents, and teachers in grades 6 thru twelve as well as education, advocacy, and research for human services and the civic arts (“Company Services”). Supplemental terms and conditions or documents that may be posted on the Sites from time to time, are hereby expressly incorporated into this Agreement by reference.

The Company makes no representation that the Sites are appropriate or available in other locations other than where the Company operates it. The information provided on the Sites is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Sites from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Sites.  If you are a minor, you must have your parent or guardian read and agree to this Agreement prior to you using the Sites. Persons under the age of thirteen are not permitted to register for the Sites or use the Company Services.

You accept and agree to be bound by this agreement by acknowledging such acceptance during the registration process (if applicable) and by continuing to use the Sites. If you do not agree to abide by this agreement, or to modifications that the Company may make to this agreement in the future, do not use, access, or continue to use or access the Company services or the Sites.

Purchase and Payments

Desk43 may offer free trial or sample of our products or services. The duration of the free trial period and all other details of the offer will be posted on our Sites. If you wish to try our free options, please read them carefully first. Desk43 will bill you through an invoice for our Services. By using our paid options, you agree to pay Desk43 all charges at the prices then in effect for the products or services you or other persons using your billing account may purchase, and you authorize Desk43 to charge your chosen payment provider for any such purchases. You agree to make payment using that selected payment method.

If you have ordered a product or service that is subject to recurring charges then you agree to us charging your payment method on a recurring basis, without requiring your prior approval from you for each recurring charge until such time as you cancel the applicable product or servic

Desk43 reserves the right to correct any errors or mistakes in pricing that it makes even if it has already requested or received payment. Sales tax will be added to the sales price of purchases as deemed required by the Company. The Company may change prices at any time. All payments shall be in U.S. dollars.

Refunds and Returns

All sales are final, and no refunds shall be issued.

User Representations

Regarding your Registration

By using Desk43 services, you represent and warrant that

• All registration information you submit is truthful and accurate;

• You will maintain the accuracy of such information;

• You will keep your password confidential and will be responsible for all use of your password and account;

• You are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use our Sites; and

• Your use of the Company Services does not violate any applicable law or regulation.

 You also agree to:

• Provide true, accurate, current, and complete information about yourself as prompted by the Sites' registration form and

• Maintain registration data to be true, accurate, current, and complete.

If you provide any information that is untrue, inaccurate, not current or incomplete, or the Company has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, the Company has the right to suspend or terminate your account and refuse any and all current or future use of the Sites (or any portion thereof).

We reserve the right to remove, reclaim, or change a username you select if we determine in our discretion the username is obscene or otherwise objectionable or when a trademark owner complains about a username that does not closely relate to a user's actual name.

Regarding Content you provide

We may invite you to chat or participate in blogs, message boards, online forums and other functionality and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute or broadcast content and materials to our Sites and/or to or via the Sites' forms, emails, chat agents, popups, including, without limitation, text, writings, video, audio, photographs, graphics, comments, suggestions or personally identifiable information or other material (collectively "Contributions"). Any Contributions you transmit to Desk43 will be treated as non-confidential and non-proprietary. When you create or make available a Contribution, you thereby represent and warrant that:

• The creation, distribution, transmission, public display, and performance, accessing, downloading, and copying of your Contribution does not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret or moral rights of any third party;

• You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize Desk43 and the Sites' users to use your Contributions as necessary to exercise the licenses granted by you under this Agreement;

• You have the written consent, release, and/or permission of every identifiable individual person in the Contribution to use the name or likeness of every such identifiable individual person to enable inclusion and use of the Contribution in the manner contemplated by our Sites;

• Your Contribution is not obscene, lewd, lascivious, filthy, violent, harassing or objectionable (as determined by Desk43 ), libelous or slanderous, does not ridicule, mock, disparage, intimidate or abuse anyone, does not advocate the violent overthrow of any government, does not incite, encourage or threaten physical harm against another, does not violate any applicable law, regulation, or rule, and does not violate the privacy or publicity rights of any third party;

• Your Contribution does not contain material that solicits personal information from anyone under eighteen or exploit people under the age of eighteen in a sexual or violent manner, and does not violate any federal or state law concerning child pornography or otherwise intended to protect the health or well-being of minors;

• Your Contribution does not include any offensive comments that are connected to race, national origin, gender, sexual orientation or physical handicap;

• Your Contribution does not violate, or link to material that violates, any provision of this Agreement or any applicable law or regulation.

Contribution License

By posting Contributions to any part of the Sites, or making them accessible to the Sites by linking your account to any of your social network accounts, you automatically grant, and you represent and warrant that you have the right to grant, to Desk43 an unrestricted, unconditional, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part) and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, to prepare derivative works of, or incorporate into other works, such Contributions, and to grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels. Such use and distribution license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, Company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names and logos, personal and commercial images you provide.

The Company does not assert any ownership over your Contributions; rather, as between us and you, subject to the rights granted to us in this Agreement, you retain full ownership of all your Contributions and any intellectual property rights, or other proprietary rights associated with your Contributions. We will not use your contribution in a way that infringes on your rights and will always process your personal information lawfully and with your consent.

The Company has the right, in our sole and absolute discretion, to

• Edit, redact, or otherwise change any Contributions,

• Re-categorize any Contributions in more appropriate locations or

• Pre- screen or delete any Contributions that are determined to be inappropriate or otherwise in violation of this Agreement.

By uploading your Contributions to the Sites, you hereby authorize the Company to grant to each end user a personal, limited, no-transferable, perpetual, non-exclusive, royalty-free, fully-paid license to access, download, print and otherwise use your Contributions for their internal purposes and not for distribution, transfer, sale or commercial exploitation of any kind.

Guidelines for Reviews

Desk43 may accept, reject, or remove reviews at its sole discretion. Desk43 has absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Those persons posting reviews should comply with the following criteria:

• Reviewers should have firsthand experience with the person/entity being reviewed;

• Reviews should not contain offensive language, profanity, or abusive, racist, or hate language; discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; or references to illegal activity;

• Reviewers should not be affiliated with competitors if posting negative reviews;

• Reviewers should not make any conclusions as to the legality of conduct; and

• Reviewers may not post any false statements or organize a campaign encouraging others to post reviews, whether positive or negative.

Reviews are not endorsed by Desk43, and do not represent the views of Desk43 or of any affiliate or partner of the Company. Desk43 does not assume liability for any review or for any claims, liabilities or losses resulting from any review. By posting a review, the reviewer hereby grants to Desk43 a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable and sublicensable license to Desk43 to reproduce, modify, translate, transmit by any means, display, perform and/or distribute all content relating to reviews.

Submissions

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Sites or the Desk43 Services ("Submissions") provided by you to Desk43 are non- confidential and Desk43 (as well as any designee of the Company) shall be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

Prohibited Activities

You may not access or use the Sites for any other purpose other than that for which Desk43 makes the Sites available. The Sites may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by Desk43. Prohibited activity includes, but is not limited to:

• Attempting to impersonate another user or person or using the username of another user criminal or tortious activity;

• Using the Sites in a manner inconsistent with applicable laws;

• Tricking, defrauding, or misleading the Company and other users, in any attempt to learn sensitive account information;

• Using the Company Services as part of any effort to compete with the Company or to provide services as a service bureau;

• Systematic retrieval of data or other content from the Sites to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from the Company;

• Selling or otherwise transferring your profile

• Making any unauthorized use of the Company Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses;

• Interfering with, disrupting, or creating an undue burden on the Sites or the networks or services connected to the Sites;

• Using information obtained from the Sites to harass, abuse, or harm another person;

• Harassing, annoying, intimidating or threatening any Company employees or agents engaged in providing any portion of the Company Services to you;

• Except as may be the result of standard search engine or Internet browser usage, using or launching, developing, or distributing any automated system, including, without limitation, any spider, robot (or "bot"), cheat utility, scraper or offline reader that accesses the Sites, or using or launching unauthorized scripts or other software;

• Engaging in any automated use of the system, such as using any data mining, robots or similar data gathering and extraction tools;

• Deleting copyright or other proprietary rights notice from the Sites;

• Deciphering, decompiling, disassembling, or reverse engineering any of the software comprising in any way part of the Sites;

• Attempting to bypass any measures of the Sites designed to prevent or restrict access to the Sites, or any portion of the Sites.

Intellectual Property Rights

The content on the Sites (“Desk43 Content”) and the trademarks, service marks and logos contained therein (“Marks”) are owned by or licensed to Desk43 and are subject to copyright and other intellectual property rights under United States and foreign laws and international conventions.

Desk43 Content includes, without limitation, all source code, databases, functionality, software, Sites' designs, audio, video, text, photographs, and graphics. All Desk43 graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, common law trademarks or trade dress of Desk43 in the United States and/or other countries.

Desk43 trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of Desk43.

Desk43 Content on the Sites is provided to you “AS IS” for your information and personal use only and may not be used, copied, reproduced, aggregated, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. Provided that you are eligible to use the Sites, you are granted a limited license to access and use the Sites and the Desk43 Content and to download or print a copy of any portion of the Desk43 Content to which you have properly gained access solely for your personal, non-commercial use. Desk43 reserves all rights not expressly granted to you in and to the Sites and Desk43 Content and Marks.

Third Party Websites

The Sites contains (or you may be sent through the Sites or the Desk43 Services) links to other websites ("Third Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software and other content or items belonging to or originating from third parties (the "Third Party Content"). Such Third Party Websites and Third Party Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party accessed through the Sites or any Third Party Content posted on, available through or installed from the Sites, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Websites or the Third Party Content. The inclusion of, linking to or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us.

If you decide to leave the Sites and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any websites to which you navigate from the Sites or relating to any applications you use or install from the Sites. Any purchases you make through Third Party Websites will be through other websites and from other companies, and Desk43 takes no responsibility whatsoever in relation to such purchases which are exclusively between you and the third party.

Site Management

Desk43 reserves the right but does not have the obligation to:

• Monitor the Sites for violations of this Agreement;

• Take appropriate legal action against anyone who, in Desk43’s sole discretion, violates this Agreement, including without limitation, reporting to law enforcement;

• In sole discretion and without limitation, refuse, restrict access to or availability of, or disable (to the extent technologically feasible) any user’s contribution or any portion thereof that may violate this Agreement or any Desk43 policy.

• In Company’s sole discretion and without limitation, notice or liability to remove from the Sites or otherwise disable all files and content that are excessive in size or are in any way burdensome to Desk43 's systems;

• Otherwise manage the Sites in a manner designed to protect the rights and property of Desk43 and others and to facilitate the proper functioning of the Sites.

Terms and Termination

 This Agreement shall remain in full force and effect while you use the Sites or are otherwise a user or member of the Sites, as applicable. You may terminate your use or participation at any time, for any reason, by following the instructions for terminating user accounts in your account settings, if available, or by contacting us using the contact information below.

Without limiting any other provision of this agreement, the Company reserves the right to, in the Company’s sole discretion and without notice or liability, deny access to and use of the Sites and the Company services, to any person for any reason or for no reason at all, including without limitation for breach of any representation, warranty or covenant contained in this agreement, or of any applicable law or regulation, and the Company may terminate your use or participation in the Sites and the Company services, delete your profile and any content or information that you have posted at any time, without warning, in the Company’s sole discretion.

To protect the integrity of the Sites and Company Services, the Company reserves the right to block certain IP addresses from accessing the Sites and Company Services.

Any provisions of this Agreement that, to fulfill the purposes of such provisions, need to survive the termination or expiration of this Agreement, shall be deemed to survive for as long as necessary to fulfill such purposes.

You understand that certain states allow you to cancel this agreement, without any penalty or obligation, at any time prior to midnight of the Company’s third business day following the date of this agreement, excluding Sundays and holidays. To cancel, call a Company customer care representative during normal business hours using the contact information listing below in this agreement or by accessing your account settings. This section applies only to individuals residing in states with such laws.

If the Company terminates or suspends your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, the Company reserves the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

Modifications

To Agreement

The Company may modify this Agreement from time to time. All changes to this Agreement will be posted on the Sites and revisions will be indicated by date. You agree to be bound to any changes to this Agreement when you use the Company Services after any such modification becomes effective. The Company may also, in its discretion, choose to alert all users with whom it maintains email information of such modifications by means of an email to their most recently provided email address. You agree to regularly review this Agreement and keep your contact information current in your account settings to ensure you are informed of changes. You agree that you will periodically check the Sites for updates to this Agreement, and you will read the messages we send you to inform you of changes. Modifications to this Agreement are effective upon posting.

To services

The Company reserves the right at any time to modify or discontinue, temporarily or permanently, the Company Services (or any part thereof) with or without notice. You agree that the Company shall not be liable to you or to any third party for any modification, suspension, or discontinuance of the Company Services.

Disputes

Between users

If there is a dispute between users of the Sites, or between users and any third party, you understand and agree that the Company is under no obligation to become involved. In the event that you have a dispute with one or more other users, you hereby release the Company, its officers, employees, agents and successors in rights from claims, demands and damages (actual and consequential) of every kind or nature, known or unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way related to such disputes and/or the Company Services.

With Company

Governing Law; Jurisdiction. This Agreement and all aspects of the Sites and Company Services shall be governed by and construed in accordance with the internal laws of the State of North Carolina, without regard to conflict of law provisions. With respect to any disputes or claims not subject to informal dispute resolution or arbitration (as set forth below), you agree not to commence or prosecute any action in connection therewith other than in the state and federal courts located in Durham County, State of North Carolina, and you hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non convenience with respect to, venue and jurisdiction in such state and federal courts.

Application of the United Nations Convention on Contracts for the International Sale of Goods is excluded from this Agreement. Additionally, application of the Uniform Computer Information Transaction Act (UCITA) is excluded from this Agreement. In no event shall any claim, action or proceeding by you related in any way to the Sites or Company Services be instituted more than two (2) years after the cause of action arose.

Informal Resolution. To expedite resolution and control the cost of any dispute, controversy or claim related to this Agreement ("Dispute"), you and the Company agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least thirty (30) days before initiating any arbitration or court proceeding. Such informal negotiations commence upon written notice from one person to the other.

Binding Arbitration. If you and the Company are unable to resolve a Dispute through informal negotiations, either you or the Company may elect to have the Dispute (except those Disputes expressly excluded below) finally and exclusively resolved by binding arbitration. Any election to arbitrate by one party shall be final and binding on the other. You understand that absent this provision, you would have the right to sue in court and have a jury trial.

The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the AAA website www.adr.org. The determination of whether a Dispute is subject to arbitration shall be governed by the Federal Arbitration Act and determined by a court rather than an arbitrator. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If the arbitrator determines such costs to be excessive, the Company will pay all arbitration fees and expenses.

The arbitration may be conducted in person, through the submission of documents, by phone or online. The arbitrator will decide in writing but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Durham County, State of North Carolina. Except as otherwise provided in this Agreement, you and the Company may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

Restrictions. You and the Company agree that any arbitration shall be limited to the Dispute between the Company and you . To the fullest extent permitted by law

• No arbitration shall be joined with any other;

• There is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures;

• No right or authority for any Dispute to be brought in a purported representative capacity on behalf of the public or others exists.

Exceptions to Informal Negotiations and Arbitration. You and the Company agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration:

• Any Disputes seeking to enforce or protect, or concerning the validity of any of your or the Company’s intellectual property rights;

• Any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy or unauthorized use; and

• Any claim for injunctive relief. If this Section is found to be illegal or unenforceable then neither you nor the Company will elect to arbitrate any Dispute falling within that portion of this Section found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and you and Company agree to submit to that court’s jurisdiction.

Corrections

Occasionally there may be information on the Sites that contains typographical errors, inaccuracies or omissions that may relate to service descriptions, pricing, availability, and various other information. The Company reserves the right to correct any errors, inaccuracies, or omissions and to change or update the information at any time, without prior notice.

Disclaimers

You agree that your use of the Sites and the Company services will be at your sole risk. To the fullest extent permitted by law, the Company, its officers, directors, employees, and agents refuse all warranties, express or implied, in connection with the Sites and the Company services and your use thereof, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. The Company makes no warranties or representations about the accuracy or completeness of the Sites content, or the content of any websites linked to our Sites and assumes no liability or responsibility for any of the following:

• Errors, mistakes, or inaccuracies of content and materials,

• Personal injury or property damage, of any nature whatsoever, resulting from your access to and use of our Sites,

• Any unauthorized access to or use of our secure servers and/or all personal information and/or financial information stored therein,

• Any interruption or cessation of transmission to or from the Sites or Company services,

• Any bugs, viruses, trojan horses, or the like which may be transmitted to or through our Sites by any third party, and/or

• Any errors or omissions in any content and materials or for any loss or damage of any kind incurred because of the use of any content posted, transmitted, or otherwise made available via the Sites.

The Company does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Sites or any hyperlinked Sites or featured in any banner or other advertising, and the Company will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services. As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.

Limitations of Liability

In no event shall the Company or its directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special or punitive damages, including lost profit, lost revenue, loss of data or other damages arising from your use of the Sites or Company services, even if the Company has been advised of the possibility of such damages.

Notwithstanding anything to the contrary contained herein, the Company’s liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the amount paid, if any, by you to the Company for the Company’s services during the period of three (3) months prior to any cause of action arising.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all the above disclaimers or limitations may not apply to you, and you may have additional rights.

If you are a California resident, you waive California civil code section 1542, which says: "a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor."

Indemnity

You agree to defend, indemnify and hold the Company, its subsidiaries, and affiliates, and their respective officers, agents, partners and employees, harmless from and against, any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of your contributed content, use of the Company Services, and/or arising from a breach of this Agreement and/or any breach of your representations and warranties set forth above. Notwithstanding the foregoing, the Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify the Company, and you agree to cooperate, at your expense, with the Company’s defense of such claims. The Company will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

Notices

Except as explicitly stated otherwise, any notices given to the Company shall be given by email to the address listed in the contact information below. Any notice given to you shall be given to the email address you provided during the registration process, or such other address as each party may specify. Notice shall be deemed to be given twenty-four (24) hours after the email is sent, unless the sending party is notified that the email address is invalid. We may also choose to send notices by regular mail.

User Data

Our Sites will maintain certain data that you transfer to the Sites for the purpose of the performance of the Company Services, as well as data relating to your use of the Company Services. Although we perform regular routine backups of data, you are primarily responsible for all data that you have transferred or that relates to any activity you have undertaken using the Company Services. You agree that the Company shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against the Company arising from any such loss or corruption of such data.

Electronic Contracting

Your use of the Company Services includes the ability to enter into agreements and/or to make transactions electronically.

You acknowledge that your electronic submissions constitute your agreement and intent to be bound by and to pay for such agreements and transactions. Your agreement and intent to be bound by electronic submissions applies to all records relating to all transactions you enter relating to the Company services, including notices of cancellation, policies, contracts, and applications.

To access and retain your electronic records, you may be required to have certain hardware and software, which are your sole responsibility.

Miscellaneous

This Agreement constitutes the entire agreement between you and the Company regarding the use of the Company Services. The failure of the Company to exercise or enforce any right or provision of this Agreement shall not operate as a waiver of such right or provision.

The section titles in this Agreement are for convenience only and have no legal or contractual effect. This Agreement fully operates permissible by law. This Agreement and your account may not be assigned by you without our express written consent. The Company may assign any or all its rights and obligations to others at any time.

The Company shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond the Company’s reasonable control.

If any provision or part of a provision of this Agreement is unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions.

There is no joint venture, partnership, employment, or agency relationship created between you and the Company because of this Agreement or use of the Sites and Company Services.

Upon the Company’s request, you will furnish the Company with any documentation, substantiation or releases necessary to verify your compliance with this Agreement. You agree that this Agreement will not be construed against the Company by virtue of having drafted them. You hereby waive all defenses you may have based on the electronic form of this Agreement and the lack of signing by the parties hereto to execute this Agreement.

Contact

In order to resolve a complaint regarding the Company Services or to receive further information regarding use of the Company Services, please contact the Company as set forth below or, if any complaint with us is not satisfactorily resolved, and you are a California resident, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 400 "R" Street, Sacramento, California 95814 or by telephone at 1-916-445-1254.

            Desk43

            https://www.desk43.org

            (910) 460 – 0276

            info@desk43.org