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 * Terms & Conditions
 * Privacy Policy
 * Contact Us
 * Privacy Rights Request
 * Do Not Sell Or Share My Personal Information
 * Marketing Partners
 * Website Partners

 * Terms & Conditions
 * Privacy Policy
 * Contact Us
 * Privacy Rights Request
 * Do Not Sell Or Share My Personal Information
 * Marketing Partners
 * Website Partners


TERMS AND CONDITIONS

It is important that you read and understand all of these Terms before using the
Site.




1. PRIVACY POLICY

A complete statement of the Site’s current Privacy Policy can be found by
clicking here. The Site’s Privacy Policy is expressly incorporated into this
Agreement by reference. While you use the Site, you may be asked to provide
personal information in a questionnaire, application, form or similar document
or service. This information will be collected pursuant to our Privacy Policy.




2. SITE CONTENT, OWNERSHIP, LIMITED LICENSE AND RIGHTS OF OTHERS

A. Content. The Site contains a variety of: (i) materials and other items
relating to Company, Company’s products and services, and similar items from our
licensors and other third parties, including all layout, information, articles,
reviews, posts, text, data, files, images, scripts, designs, graphics, button
icons, instructions, illustrations, photographs, audio clips, music, sounds,
pictures, videos, advertising copy, URLs, technology, software, interactive
features, the “look and feel” of the Site, and the compilation, assembly, and
arrangement of the materials of the Site and any and all copyrightable material
(including source and object code); (ii) trademarks, trade dress, logos, trade
names, service marks, and/or trade identities of various parties, including
those of Company (collectively, “Trademarks”); and (iii) other forms of
intellectual property (all of the foregoing, collectively “Content”).

B. Ownership. The Site (including past, present and future versions) and the
Content are owned or controlled by Company and our licensors and certain other
third parties. All right, title, and interest in and to the Content available
through the Site is the property of Company or our licensors or certain other
third parties, and is protected by U.S. and international copyright, trademark,
trade dress, patent, or other intellectual property and unfair competition
rights and laws to the fullest extent possible. Company owns the copyright in
the selection, compilation, assembly, arrangement, and enhancement of the
Content on the Site.

C. Limited License. Subject to your strict compliance with these Terms and the
Additional Terms, Company grants you a limited, non-exclusive, revocable,
non-assignable, personal, and non-transferable license to download (temporary
storage only), display, view, use, play, and/or print one copy of the Content
(excluding source and object code in raw form or otherwise, other than as made
available to access and use to enable display and functionality) on a personal
computer, mobile phone or other wireless device, or other Internet enabled
device (each, a “Device”) for your personal, non-commercial use only. The
foregoing limited license: (i) does not give you any ownership of, or any other
intellectual property interest in, any Content, and (ii) may be immediately
suspended or terminated for any reason, in Company’s sole discretion, and
without advance notice or liability. In some instances, we may permit you to
have greater access to and use of Content, subject to certain Additional Terms.

D. Rights of Others. When using the Site, you must respect the intellectual
property and other rights of Company and others. Your unauthorized use of
Content may violate copyright, trademark, privacy, publicity, communications,
and other laws, and any such use may result in your personal liability,
including potential criminal liability.




3. SITE AND CONTENT USE RESTRICTIONS

A. Site Use Restrictions. You agree that you will not: (i) use the Site for any
political or commercial purpose (including, without limitation, for purposes of
advertising, soliciting funds, collecting product prices, and selling products);
(ii) use any meta tags or any other “hidden text” utilizing any Trademarks;
(iii) engage in any activities through or in connection with the Site that seek
to attempt to or do harm any individuals or entities or are unlawful, offensive,
obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive,
or that violate any right of any third party, or are otherwise objectionable to
Company; (iv) reverse engineer, decompile, disassemble, reverse assemble, or
modify any Site source or object code or any software or other products,
services, or processes accessible through any portion of the Site; (v) engage in
any activity that interferes with a user’s access to the Site or the proper
operation of the Site, or otherwise harms the Site, Company, or other users of
the Site; (vi) interfere with or circumvent any security feature of the Site or
any feature that restricts or enforces limitations on use of or access to the
Site or the Content; (vii) harvest or otherwise collect or store any information
(including personally identifiable information about other users of the Site,
including email addresses, without the express consent of such users); (viii)
attempt to gain unauthorized access to the Site, other computer systems or
networks connected to the Site, through password mining or any other means; or
(ix) otherwise violate these Terms or any Additional Terms.

B. Content Use Restrictions. You also agree that, in using the Site: (i) you
will not monitor, gather, copy, or distribute the Content (except as may be a
result of standard search engine activity or use of a standard browser) on the
Site by using any robot, rover, “bot”, spider, scraper, crawler, spyware,
engine, device, software, extraction tool, or any other automatic device,
utility, or manual process of any kind; (ii) you will not frame or utilize
framing techniques to enclose any such Content (including any images, text, or
page layout); (iii) you will keep intact all Trademark, copyright, and other
intellectual property notices contained in such Content; (iv) you will not use
such Content in a manner that suggests an unauthorized association with any of
our or our licensors’ products, services, or brands; (v) you will not make any
modifications to such Content; (vi) you will not copy, modify, reproduce,
archive, sell, lease, rent, exchange, create derivative works from, publish by
hard copy or electronic means, publicly perform, display, disseminate,
distribute, broadcast, retransmit, circulate or transfer to any third party or
on any third-party application or website, or otherwise use or exploit such
Content in any way for any purpose except as specifically permitted by these
Terms or any Additional Terms or with the prior written consent of an officer of
Company or, in the case of Content from a licensor, the owner of the Content;
and (vii) you will not insert any code or product to manipulate such Content in
any way that adversely affects any user experience.

C. Availability of Site and Content. Company may immediately suspend or
terminate the availability of the Site and Content (and any elements and
features of them) to anyone, in whole or in part, for any reason, in Company’s
sole discretion, and without advance notice or liability.

D. Reservation of All Rights Not Granted as to Content and Site. These Terms and
any Additional Terms include only narrow, limited grants of rights to Content
and to use and access the Site. No right or license may be construed, under any
legal theory, by implication, estoppel, industry custom, or otherwise. All
rights not expressly granted to you are reserved by Company and its licensors
and other third parties. Any unauthorized use of any Content or the Site for any
purpose is prohibited.




4. TERMS APPLICABLE TO PURCHASES

A. Generally. To purchase any products or services in the Company online store,
you must be at least eighteen (18) years of age or the applicable age of
majority in your jurisdiction of residence. Before purchasing any products or
services, you must provide us with a valid credit card number and associated
payment information including all of the following: (i) your name as it appears
on the card, (ii) your credit card number, (iii) the credit card type, (iv) the
date of expiration, and (v) any activation numbers or codes needed to charge
your card. By submitting that information to us or our third party credit card
processor, you agree that you authorize us and/or our processor to charge your
card at our convenience but within no more than thirty (30) days of credit card
authorization. For any product or service that you order on the Site, you agree
to pay the price applicable (including any sales taxes and surcharges) as of the
time you submit the order. Company will automatically bill your credit card or
other form of payment submitted as part of the order process for such price.
Please note that we do not provide price protection or refunds in the event of a
price drop or promotional offering.

B. Methods of Payment, Credit Card Terms and Taxes. All payments must be made
through your Visa, MasterCard or Discover (if available). We currently do not
accept cash, personal or business checks or any other payment form, although in
the future we may change this policy. Your card issuer agreement governs your
use of your designated card, and you must refer to that agreement, and not these
Terms, to determine your rights and liabilities as a cardholder. You represent
and warrant that you will not use any credit card or other form of payment
unless you have all necessary legal authorization to do so. YOU, AND NOT
COMPANY, ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR
CREDIT CARD BY A THIRD PARTY. You agree to pay all fees and charges incurred in
connection with your purchases (including any applicable taxes) at the rates in
effect when the charges were incurred. Unless you notify Company of any
discrepancies within sixty (60) days after they first appear on your credit card
statement, you agree that they are accepted by you for all purposes. If Company
does not receive payment from your credit card issuer or its agent, you agree to
pay all amounts due upon demand by Company or its agents. Sales taxes, or other
taxes, customs, import/export charges, or similar governmental charges are not
included in the price of the products. You are responsible for paying any such
taxes or charges imposed on your purchases, including, but not limited to,
sales, use or value-added taxes. Company shall automatically charge and withhold
the applicable tax for orders to be delivered to addresses within and any states
or localities that it deems is required in accordance with our order policy in
effect at the time of purchase.

C. Return Policy. All purchase transactions made through the Site are subject to
Company’s return policy and/or money back guarantee policy in effect at the time
of purchase.

D. Order Acceptance Policy. Your receipt of an electronic or other form of order
confirmation does not mean that we accept your order, nor is it confirmation of
our offer to sell. Company reserves the right at any time after receipt of your
order to accept or decline your order for any reason. Company further reserves
the right any time after receipt of your order, without prior notice to you, to
supply less than the quantity you ordered of any item. Your order will be deemed
accepted by Company upon our delivery of products or services that you have
ordered. We may require additional verifications or information before accepting
any order. Notwithstanding the foregoing, you agree that, if we cancel all or a
portion of your order or if we provide you less than the quantity you ordered,
your sole and exclusive remedy is either that: (a) we will issue a credit to
your credit card account in the amount charged for the cancelled portion or the
quantity not provided (if your credit card has already been charged for the
order) or (b) we will not charge your credit card for the cancelled portion of
the order or the quantity not provided. Do not assume that a cancellation or
change of an order you have placed with Company has been effected until you
receive a confirmation from Company via email or the Site. As stated above, you
will be responsible for, and your credit card or third-party payment account may
be charged for, the payment of all fees associated with orders already processed
or shipped before your cancellation/change request or a request to terminate
your account was received.

E. No Responsibility to Sell Mispriced Products or Services. We do our best to
describe every item, product or service offered on this Site as accurately as
possible. However, we are human, and therefore we do not warrant that
specifications or pricing on the Site are complete, accurate, reliable, current,
or error-free. In the event of any errors relating to the pricing or
specifications of any item, product or service, Company shall have the right to
refuse or cancel any orders in its sole discretion. If we charged your credit
card or other account prior to cancellation, we will issue a credit to your
account in the amount of the charge. Additional terms may apply. If a product
you purchased from Company is not as described, your sole remedy is to return it
in unused condition, complete and undamaged, in the original packaging for a
credit to your account in the amount of the purchase price.

F. Modifications to Prices or Billing Terms. The purchase of products and
services on the Site is subject to availability. PRODUCTS AND SERVICES DISPLAYED
ON THE SITE MAY NOT BE AVAILABLE AT ALL TIMES AND MAY BE SUBSTITUTED OR
DISCONTINUED AT ANY TIME. COMPANY RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS
PRICES AND BILLING METHODS FOR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING
ON THE SITE OR BY E-MAIL DELIVERY TO YOU.




5. TEXT MESSAGES

A. (i) How it Works: All new and existing customers agree to receive marketing
emails from us and may unsubscribe from such emails by clicking a link contained
in the email they receive. You may also be asked to opt-in to receive text
marketing messages to your phone from us or our Marketing Partners. You may be
asked to reply to confirm your phone number and your email address. Text
messages are sent using autodialed technology to the wireless number you use to
subscribe. You do not have to sign up for this program in order to buy goods or
services. Message and data rates may apply.  (ii) Participant Requirements: You
must have a wireless device of your own capable of 2-way messaging, be using a
participating wireless carrier, and be a wireless service subscriber with text
messaging service. Not all cellular phone providers carry the necessary service
to participate. Check your phone capabilities for specific text messaging
instructions.  (iii) Participant Opt-Out or Help: To opt out of future messages
at any time, text STOP to 85282, reply STOP to any text message, or email us
at contact@opgcustomerservice.org. (iv) Costs: Message and data rates may apply
for each message you send or receive, in accordance with the terms of your
cellular subscription plan. You are responsible for all applicable taxes.
 Consult your wireless service provider regarding their pricing plans.
Participating Wireless Carriers: Alltel, AT&T, Boost, U.S Cellular, Sprint,
T-Mobile, Verizon Wireless, and Virgin Mobile USA. This service is offered on an
“as-is” basis and may not be available in all areas at all times and may not
continue to work in the event of product, software, coverage or other changes
made by your wireless carrier. (v) Rights Releases; No Warranties; Reservations:
By participating, you agree to release and hold harmless the Company and
participating wireless carriers (“Released Parties”) and their respective
representatives, agents, successors, assigns, employees, members, officers and
directors from any and all liability, for loss, harm, damage, injury, cost or
expense whatsoever including, without limitation, property damage, personal
injury and/or death which may occur in connection with this service, and for any
claims based on violation of law or infringement or violation of any rights of
any person or entity, including, without limitation, violation of publicity
rights, defamation, invasion of privacy. Released Parties are not responsible
for any printing, typographical, mechanical or other errors in associated
promotional materials in connection with this service. Participating wireless
carriers and/or each of their respective subsidiaries, affiliates, shareholders,
officers, directors, agents, representatives and employees are not responsible
for this service, and none of them will have any liability or responsibility for
any claim arising in connection with participation in this service. The Released
Parties make no warranties, and hereby disclaim any and all warranties, express
or implied, concerning any offer furnished by third parties in connection with
this service. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, ALL SERVICES ARE
PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AND
THE RELEASED PARTIES HEREBY DISCLAIM ALL SUCH WARRANTIES INCLUDING, BUT NOT
LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE AND/OR NON-INFRINGEMENT.




6. FEEDBACK YOU SUBMIT

A. General. Company may now or in the future offer users of the Site the
opportunity to post, upload, display, publish, distribute, transmit or otherwise
make available on or submit through the Site, messages, text, files, comments,
responses, information, content, results, reviews, suggestions, personally
identifiable information, or other information or materials and the ideas
contained therein (collectively, “User Content”). Company may allow you to do
this through contact us, email, and other communications functionality. Subject
to the rights and license you grant in these Terms, you retain whatever legally
cognizable right, title, and interest that you have in your User Content and you
remain ultimately responsible for it.

B. Non-Confidentiality of Your User Content. Except as otherwise described in
the Site’s posted Privacy Policy or any Additional Terms, you agree that: (a)
your User Content will be treated as non-confidential – regardless of whether
you mark it “confidential,” “proprietary,” or the like – and will not be
returned; and (b) Company does not assume any obligation of any kind to you or
any third party with respect to your User Content. Upon Company’s request, you
will furnish us with any documentation necessary to substantiate the rights to
such content and to verify your compliance with these Terms or any Additional
Terms. You acknowledge that the Internet and mobile communications may be
subject to breaches of security and that you are aware that submissions of User
Content may not be secure, and you will consider this before submitting any User
Content.  You understand that you submit User Content at your own risk. In your
communications with Company, please keep in mind that we do not seek any
unsolicited ideas or materials for products or services, or even suggested
improvements to products or services, including, without limitation, ideas,
concepts, inventions, or designs for websites, recipes, products or otherwise
(collectively, “Unsolicited Ideas and Materials”). Any Unsolicited Ideas and
Materials you post on or send to us via the Site are deemed User Content and
licensed to us as set forth below. In addition, Company retains all of the
rights held by members of the general public with regard to your Unsolicited
Ideas and Materials. Company’s receipt of your Unsolicited Ideas and Materials
is not an admission by Company of their novelty, priority, or originality, and
it does not impair Company’s right to contest existing or future intellectual
property rights relating to your Unsolicited Ideas and Materials.

C. License to Company of Your User Content. Except as otherwise described in any
applicable Additional Terms, which specifically govern the submission of your
User Content, you hereby grant to Company, and you agree to grant to Company,
the non-exclusive, unrestricted, unconditional, unlimited, worldwide,
irrevocable, perpetual, and cost-free right and license to use, copy, record,
distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple
levels), display, publicly perform, transmit, publish, broadcast, translate,
make derivative works of, and otherwise use and exploit in any manner
whatsoever, all or any portion of your User Content (and derivative works
thereof), for any purpose whatsoever in all formats, on or through any means or
medium now known or hereafter developed, and with any technology or devices now
known or hereafter developed, and to advertise, market, and promote the same.
Without limitation, the granted rights include the right to: (a) configure,
host, index, cache, archive, store, digitize, compress, optimize, modify,
reformat, edit, adapt, publish in searchable format, and remove such User
Content and combine same with other materials, and (b) use any ideas, concepts,
know-how, or techniques contained in any User Content for any purposes
whatsoever, including developing, producing, and marketing products and/or
services. In order to further effect the rights and license that you grant to
Company to your User Content, you also hereby grant to Company, and agree to
grant to Company, the unconditional, perpetual, irrevocable right to use and
exploit your name, persona, and likeness in connection with any User Content,
without any obligation or remuneration to you. Except as prohibited by law, you
hereby waive, and you agree to waive, any moral rights (including attribution
and integrity) that you may have in any User Content, even if it is altered or
changed in a manner not agreeable to you. To the extent not waivable, you
irrevocably agree not to exercise such rights (if any) in a manner that
interferes with any exercise of the granted rights. You understand that you will
not receive any fees, sums, consideration, or remuneration for any of the rights
granted in this Section 6(C).




7. NOTICES, QUESTIONS AND CUSTOMER SERVICE

You agree that: (i) we may give you notices of new, revised or changed terms and
other important matters by prominently posting notice on the home page of the
Site, or in another reasonable manner; and (ii) we may contact you by mail or
email sent to the address provided by you. You agree to promptly notify us if
you change your email or mailing address. If you have a question regarding using
the Site, you may contact us via email at: contact@opgcustomerservice.org. You
acknowledge that the provision of customer support is at Company’s sole
discretion and that we have no obligation to provide you with customer support
of any kind.




8. LINKS BY YOU TO THE SITE

We grant you a limited, non-exclusive, revocable, non-assignable, personal, and
non-transferable license to create hyperlinks to the Site, so long as: (a) the
links only incorporate text, and do not use any Trademarks; (b) the links and
the content on your website do not suggest any affiliation with Company or cause
any other confusion; and (c) the links and the content on your website do not
portray Company or its products or services in a false, misleading, derogatory,
or otherwise offensive matter, and do not contain content that is unlawful,
offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing,
or abusive, or that violate any right of any third party or are otherwise
objectionable to Company. Company reserves the right to suspend or prohibit
linking to the Site for any reason, in its sole discretion, without advance
notice or any liability of any kind to you or any third party.




9. LINKED-TO WEBSITES; ADVERTISEMENTS; DEALINGS WITH THIRD PARTIES

A. Linked Sites; Advertisements. The Site may contain links, as part of
third-party ads on the Site or otherwise, to or from third-party websites
(“Linked Sites”), including websites operated by advertisers, licensors,
licensees, and certain other third parties who may have business relationships
with Company. Company may have no control over the content, operations,
policies, terms, or other elements of Linked Sites, and Company does not assume
any obligation to review any Linked Sites. Company does not endorse, approve, or
sponsor any Linked Sites, or any third-party content, advertising, information,
materials, products, services, or other items. Furthermore, Company is not
responsible for the quality or delivery of the products or services offered,
accessed, obtained by or advertised at such sites. Finally, Company will under
no circumstances be liable for any direct, indirect, incidental or special loss
or other damage, whether arising from negligence, breach of contract,
defamation, infringement of copyright or other intellectual property rights,
caused by the exhibition, distribution or exploitation of any information or
content contained within these third-party Linked Sites. Any activities you
engage in connection with any of the same are subject to the privacy and other
policies, terms and conditions of use and/or sale, and rules issued by the
operator of the Linked Sites. Company disclaims all liability in connection
therewith.

B. Dealings with Third Parties. Any interactions, correspondence, transactions,
and other dealings that you have with any third parties found on or through the
Site (including on or via Linked Sites or advertisements) are solely between you
and the third party (including issues related to the content of third-party
advertisements, payments, delivery of goods, warranties (including product
warranties), privacy and data security, and the like). Company disclaims all
liability in connection therewith.




10. WIRELESS

A. Wireless Features. The Site may offer certain features and services that are
available to you via your wireless Device. These features and services may
include the ability to access the Site’s features and upload content to the
Site, receive messages from the Site, and download applications to your wireless
Device (collectively, “Wireless Features”). Standard messaging, data, and other
fees may be charged by your carrier to participate in Wireless Features. Fees
and charges may appear on your wireless bill or be deducted from your pre-paid
balance. Your carrier may prohibit or restrict certain Wireless Features and
certain Wireless Features may be incompatible with your carrier or wireless
Device. You should check with your carrier to find out what plans are available
and how much they cost. Contact your carrier with questions regarding these
issues.

B. Terms of Wireless Features. Subject to the terms and conditions stated in
Section 4G above, you agree that as to the Wireless Features for which you are
registered for, we may send communications to your wireless Device regarding us
or other parties. Further, we may collect information related to your use of the
Wireless Features. If you have registered via the Site for Wireless Features,
then you agree to notify Company of any changes to your wireless contact
information (including phone number).




11. DISPUTE RESOLUTION

Arbitration is an alternative to litigation that provides parties with an
efficient way to resolve disputes.  Arbitration is similar to litigation, but
happens outside the court system, using an arbitrator instead of a judge or jury
to resolve the dispute.  Agreement to arbitration is a required condition of
your use of the Site. You and Company agree that if any controversy, allegation,
or claim arises out of or relates to the Site, the Content, your User Content,
these Terms, any of Company’s actual or alleged intellectual property rights, or
any Additional Terms (“Dispute”), including questions about whether the Dispute
is subject to arbitration, that Dispute shall be resolved according to this
Section 11. You and Company also agree that if the Dispute cannot be resolved
informally under Section 11(A), it shall be resolved by binding arbitration
before Judicial Arbitration and Mediation Services, Inc. (“JAMS”), an
independent national arbitration association, in accordance with JAMS’ rules.
 Information about JAMS and its rules can be found at www.jamsadr.com or by
calling JAMS at (800) 352-5267.

If there is an arbitration, Company will pay for the arbitrator and the
forum. Regardless of whether you or Company initiate the arbitration, Company
will pay all costs associated with the arbitration, including JAMS’ fees and the
fees for the arbitrator’s services. However, Company will not pay and you will
be responsible for your attorneys’ fees if you choose to be represented by an
attorney.

Company desires a fair process, and the arbitration will meet the standards set
by JAMS designed to ensure a fair hearing, including the selection of an
independent, neutral arbitrator who has no relationship with Company or its
management. You agree that, notwithstanding any provision in these terms
regarding applicable substantive law, any arbitration conducted under this
Section 11 shall be governed by the Federal Arbitration Act (“FAA”) (9 U.S. Code
§§ 1-16). This Section 11 can only be amended by mutual agreement.

A. Informal Effort to Resolve Disputes. If a Dispute arises, then you and we
agree to send a written notice to the other providing a reasonable description
of the Dispute, along with a proposed resolution. Our notice will be sent to you
based on the most recent contact information that you provide us. If we have no
contact information for you or if the information is not current, then we have
no obligation under this Section 11(A). Your notice to us must be sent to:
contact@opgcustomerservice.org. For a period of sixty (60) days from the date of
receipt of notice from the other party, Company and you will communicate to
attempt to resolve the Dispute, though nothing requires either you or Company to
resolve the Dispute on terms which you and Company, in each of our sole
discretion, are not comfortable.

B. Binding Arbitration. If we cannot resolve a Dispute informally under Section
11(A) within sixty (60) days of receipt of the notice, then ANY AND ALL DISPUTES
ARISING BETWEEN YOU AND COMPANY MUST BE RESOLVED BY FINAL AND BINDING
ARBITRATION. BY AGREEING TO ARBITRATE, EACH PARTY IS GIVING UP ITS RIGHT TO GO
TO COURT AND TO HAVE ANY DISPUTE HEARD BY A JUDGE OR JURY.
A Dispute will be resolved solely by binding arbitration administered by JAMS,
in accordance with JAMS’ then-current Streamlined Arbitration Rules and
Procedures (“Rules”). To start the arbitration process, Company or you will send
a written request for arbitration to JAMS at 8401 N. Central Expressway, Suite
610, Dallas, TX 75225 by U.S. mail or a reputable overnight delivery service
(for example, Federal Express). You must also send a copy of any arbitration
request to us at contact@opgcustomerservice.org so that we are aware of the
arbitration and can pay JAMS’ fee. JAMS will select a location for the
arbitration, according to its procedural standards, that will be convenient for
you. An arbitrator will be selected and govern the process, and he or she will
issue a final and binding arbitration award.

C. Limited Time to File Claims. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE
LAW, IF YOU OR WE WANT TO ASSERT A DISPUTE AGAINST THE OTHER, THEN YOU OR WE
MUST INITIATE IT (BY DELIVERY OF WRITTEN NOTICE AS SET FORTH IN SECTION 11(A))
WITHIN ONE (1) YEAR AFTER THE DISPUTE ARISES – OR IT WILL BE FOREVER BARRED.
“Initiating” means, as applicable: (a) by delivery of written notice as set
forth above in Section 11(A); or (b) filing for arbitration with JAMS as set
forth in Section 11(B).    The parties expressly waive any contrary statute of
limitations or time bars, both legal and equitable, to a Dispute.

D. Injunctive Relief. The foregoing provisions of this Section 11 will not apply
to any claim by you or Company seeking an injunction or other equitable relief
in connection with any loss, cost, or damage (or any potential loss, cost, or
damage) relating to the Site, any Content, your User Content and/or Company’s
intellectual property rights, Company’s operations, and/or Company’s products or
services.  This Section 11 shall apply to any claims brought by you or Company
in any action that do not seek such injunctive or equitable relief.

E. No Class Actions. YOU AGREE TO FILE ONE ARBITRATION THAT INCLUDES ALL OF YOUR
DISPUTES AND JOINS ALL KNOWN DISPUTES.  FURTHER, YOU AGREE THAT ANY ACTION YOU
BRING SHALL BE INDIVIDUALLY ON YOUR OWN BEHALF AND THAT YOU EXPRESSLY WAIVE THE
RIGHT TO BRING A DISPUTE ON A CLASS OR COLLECTIVE BASIS IN ANY FORUM, WHETHER IT
BE IN ARBITRATION OR IN A COURT. THE ARBITRATOR SHALL NOT HAVE THE AUTHORITY TO
FORM A CLASS OR PROCEED ON A COLLECTIVE BASIS.  There shall be no right or
authority for any Dispute to be arbitrated on behalf of the general public, or
other persons or entities similarly situated. But if, for any reason, any court
with competent jurisdiction holds that this restriction is unconscionable or
unenforceable, then our agreement in Section 11(B) to arbitrate will not apply
and the Dispute must be brought exclusively in court pursuant to Section 11(F).

F. Federal and State Courts in Miami Dade County, Florida. Except where
arbitration is required above, small claims actions, or with respect to the
enforcement of any arbitration decision or award, any action or proceeding
relating to any Dispute arising hereunder may only be instituted in state or
Federal court in Miami-Dade County, Florida. Accordingly, you and Company
consent to the exclusive personal jurisdiction and venue of such courts for such
matters.

G. Jury Trial Waiver. YOU EXPRESSLY AGREE TO WAIVE THE RIGHT TO HAVE ANY DISPUTE
(AS DEFINED IN THESE TERMS) THAT YOU BRING IN STATE OR FEDERAL COURT HEARD BY A
JURY.

H. Small Claims Matters Are Excluded from Arbitration Requirement.
Notwithstanding the foregoing, either of us may bring a Dispute in a small
claims court of competent jurisdiction, provided the claim qualifies to be heard
in such small claims court.




12. DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOUR ACCESS TO AND USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON
AN “AS IS”, “AS AVAILABLE”, AND “WITH ALL FAULTS” BASIS. Therefore, to the
fullest extent permissible by law, Company and its subsidiaries and each of
their respective employees, directors, members, managers, shareholders, agents,
vendors, licensors, licensees, contractors, customers, successors, and assigns
(collectively, the “Company Parties”) hereby disclaim and make no
representations, warranties, endorsements, or promises, express or implied, as
to:

(a) the Site (including the Content and the User Content);

(b) the functions, features, or any other elements on, or made accessible
through, the Site;

(c) any products, services, or instructions offered or referenced at or linked
through the Site;

(d) security associated with the transmission of your User Content transmitted
to Company via the Site;

(e) whether the Site or the servers that make the Site available are free from
any harmful components (including viruses, Trojan horses, and other technologies
that could adversely impact your Device);

(f) whether the information (including any instructions) on the Site is
accurate, complete, correct, adequate, useful, timely, or reliable;

(g) whether any defects to or errors on the Site will be repaired or corrected;

(h) whether your access to the Site will be uninterrupted;

(i) whether the Site will be available at any particular time or location; and

(h) whether your use of the Site is lawful in any particular jurisdiction.

EXCEPT FOR ANY SPECIFIC WARRANTIES PROVIDED HEREIN OR IN ADDITIONAL TERMS
PROVIDED BY A COMPANY PARTY, COMPANY PARTIES HEREBY FURTHER DISCLAIM ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR MISAPPROPRIATION OF
INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES, TITLE, CUSTOM, TRADE, QUIET
ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.

Some jurisdictions limit or do not allow the disclaimer of implied or other
warranties so the above disclaimers may not apply to the extent such
jurisdictions’ laws are applicable.

The Site strives to keep its information, documents, study guides, test
materials, checklists and developed forms accurate, current and up-to-date.
However, because the law changes rapidly, we cannot guarantee that all of the
information on the Site is completely current, correct or up-to-date.
Furthermore, the information contained on the Site is not legal advice and is
not guaranteed to be correct, complete or up-to-date. Therefore, if you need
legal advice for your specific problem, or if your specific problem is too
complex to be addressed by our tools, you should consult your attorney. From
time to time, we may perform certain services and introduce our visitors to
various services, products and offers through various methods, including, but
not limited to,

(i) third party listings,

(ii) third party advertisers, and

(iii) third party services.

At no time are we responsible to you or liable to you for the accuracy or
performance of any such listings and/or services.




13. LIMITATIONS OF OUR LIABILITY

UNDER NO CIRCUMSTANCES WILL ANY COMPANY PARTIES BE RESPONSIBLE OR LIABLE FOR ANY
LOSS OR DAMAGES OF ANY KIND, including personal injury or death or for any
direct, indirect, economic, exemplary, special, punitive, incidental, or
consequential losses or damages that are directly or indirectly related to:

(a) the Site (including the Content and the User Content);

(b) your use of or inability to use the Site, or the performance of the Site;

(c) any action taken in connection with an investigation by Company Parties or
law enforcement authorities regarding your access to or use of the Site;

(d) any action taken in connection with copyright or other intellectual property
owners or other rights owners;

(e) any errors or omissions in the Site’s technical operation; or

(f) any damage to any user’s computer, hardware, software, modem, or other
equipment or technology, including damage from any security breach or from any
virus, bugs, tampering, fraud, error, omission, interruption, defect, delay in
operation or transmission, computer line, or network failure or any other
technical or other malfunction, including losses or damages in the form of lost
profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or
equipment failure or malfunction.

The foregoing limitations of liability will apply even if any of the foregoing
events or circumstances were foreseeable and even if Company Parties were
advised of or should have known of the possibility of such losses or damages,
regardless of whether you bring an action based in contract, negligence, strict
liability, or tort (including whether caused, in whole or in part, by
negligence, acts of god, telecommunications failure, or destruction of the
Site).

Some jurisdictions do not allow the exclusion or limitation of incidental or
consequential damages of the sort that are described above, so the above
limitation or exclusion may not apply to you.

EXCEPT AS MAY BE PROVIDED IN ANY ADDITIONAL TERMS, TO THE FULLEST EXTENT
PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY PARTIES’ TOTAL LIABILITY
TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION
WITH YOUR ACCESS TO AND USE OF THE SITE AND YOUR RIGHTS UNDER THESE TERMS,
EXCEED AN AMOUNT EQUAL TO THE AMOUNT YOU HAVE PAID COMPANY IN CONNECTION WITH
THE TRANSACTION(S) THAT UNDERLIE THE CLAIM(S); PROVIDED, HOWEVER, THIS PROVISION
WILL NOT APPLY IF A TRIBUNAL WITH APPLICABLE JURISDICTION FINDS SUCH TO BE
UNCONSCIONABLE.




14. UPDATES TO TERMS

These Terms (or if applicable Additional Terms), in the form posted at the time
of your use of the applicable services to which it applies, shall govern such
use (including transactions entered during such use). AS OUR SITE EVOLVES, THE
TERMS AND CONDITIONS UNDER WHICH WE OFFER THE SITE MAY PROSPECTIVELY BE MODIFIED
AND WE MAY CEASE OFFERING THE SITE UNDER THE TERMS OR ADDITIONAL TERMS FOR WHICH
THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN TO OR OTHERWISE
USE THE SITE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN
APPLICABLE TERMS AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER
TERMS BY POSTING THEM ON THE SITE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE
WHICH WE ELECT), AND THAT YOUR USE OF THE SITE AFTER SUCH NOTICE CONSTITUTES
YOUR GOING FORWARD AGREEMENT TO THE OTHER TERMS FOR YOUR NEW USE AND
TRANSACTIONS. Therefore, you should review the posted terms of service and any
applicable Additional Terms each time you use the Site (at least prior to each
transaction or submission). The new terms will be effective as to new use and
transactions as of the time that we post them, or such later date as may be
specified in them or in other notice to you. However, the terms of service (and
any applicable Additional Terms) that applied when you previously used the Site
will continue to apply to such prior use (i.e., changes and additions are
prospective only) unless mutually agreed. In the event any notice to you of new,
revised or additional terms is determined by a tribunal to be insufficient, the
prior agreement shall continue until sufficient notice to establish a new
agreement occurs. You should frequently check the home page, and the email you
associated with your purchases for notices, all of which you agree are
reasonable manners of providing you notice. You can reject any new, revised or
Additional Terms by discontinuing use of the Site and related services.




15. GENERAL PROVISIONS

A. Company’s Consent or Approval. As to any provision in these Terms or any
Additional Terms that grants Company a right of consent or approval, or permits
Company to exercise a right in its “sole discretion,” Company may exercise that
right in its sole and absolute discretion. No Company consent or approval may be
deemed to have been granted by Company without being in writing and signed by an
officer of Company.

B. Applicable Law. These Terms and any Additional Terms will be governed by and
construed in accordance with, and any Dispute will be governed by and
interpreted in accordance with the laws of the State of Florida, excluding its
choice of law rules. Notwithstanding any other provision of these Terms, Company
is not your agent, partner or joint venturer in any respect. Company is not your
attorney or financial advisor and assumes no fiduciary obligation to you.

C. Indemnity. You agree to, and you hereby, defend, indemnify, and hold Company
Parties harmless from and against any and all claims, damages, losses, costs,
investigations, liabilities, judgments, fines, penalties, settlements, interest,
and expenses (including attorneys’ fees) that directly or indirectly arise from
or are related to any claim, suit, action, demand, or proceeding made or brought
against any Company Party, or on account of the investigation, defense, or
settlement thereof, arising out of or in connection with, whether occurring
heretofore or hereafter: (i) your User Content; (ii) your use of the Site and
your activities in connection with the Site; (iii) your breach or alleged breach
of these Terms or any Additional Terms; (iv) your violation or alleged violation
of any laws, rules, regulations, codes, statutes, ordinances, or orders of any
governmental or quasi-governmental authorities in connection with your use of
the Site or your activities in connection with the Site; (v) information or
material transmitted through your Device, even if not submitted by you, that
infringes, violates, or misappropriates any copyright, trademark, trade secret,
trade dress, patent, publicity, privacy, or other right of any person or entity;
(vi) any misrepresentation made by you; and (vii) Company Parties’ use of the
information that you submit to us (including your User Content) (all of the
foregoing, “Claims and Losses”). You will cooperate as fully required by Company
Parties in the defense of any Claim and Losses. Notwithstanding the foregoing,
Company Parties retain the exclusive right to settle, compromise, and pay any
and all Claims and Losses. Company Parties reserve the right to assume the
exclusive defense and control of any Claims and Losses. You will not settle any
Claims and Losses without, in each instance, the prior written consent of an
officer of a Company Party.

D. Operation of Site; Availability of Products and Services; International
Issues. Company controls and operates the Site from its U.S.-based offices in
the U.S.A., and Company makes no representation that the Site is appropriate or
available for use beyond the U.S.A. If you use the Site from any location
outside the U.S.A., you are doing so on your own initiative and are responsible
for compliance with applicable local laws regarding your online conduct and
acceptable content, if and to the extent local laws apply. The Site may describe
products and services that are available only in the U.S.A. (or only parts of
it) and are not available worldwide. We reserve the right to limit the
availability of the Site and/or the provision of any content, program, product,
service, or other feature described or available on the Site to any person,
entity, geographic area, or jurisdiction, at any time and in our sole
discretion, and to limit the quantities of any content, program, product,
service, or other feature that we provide. You and we disclaim any application
to these Terms of the Convention on Contracts for the International Sale of
Goods.

E. Export Controls. Software related to or made available by the Site may be
subject to export controls of the U.S.A. No software from the Site may be
downloaded, exported, or re-exported: (i) into (or to a national or resident of)
any country or other jurisdiction to which the U.S.A. has embargoed goods,
software, technology or services (which, as of the effective date of these
Terms, includes Cuba, North Korea, Iran, Sudan, and Syria), or (ii) to anyone on
the U.S. Treasury Department’s list of Specially Designated Nationals or the
U.S. Commerce Department’s Table of Deny Orders, or (iii) to anyone on the U.S.
Department of Commerce’s Bureau of Industry and Security Entities List as
published in the Export Administration Regulations (including entities engaged
in weapons of mass destruction proliferation in various countries and persons
and entities that are suspected of diverting U.S. origin items to embargoed
countries or terrorist end-uses). You are responsible for complying with all
trade regulations and laws both foreign and domestic. Except as authorized by
law, you agree and warrant not to export or re-export the software to any
county, or to any person, entity, or end-user subject to U.S. export controls,
including as set forth in subsections (i) – (iii) above.

F. Severability; Interpretation. If any provision of these Terms, or any
Additional Terms, is for any reason deemed invalid, unlawful, void, or
unenforceable by a court or arbitrator of competent jurisdiction, then that
provision will be deemed severable from these Terms or the Additional Terms, and
the invalidity of the provision will not affect the validity or enforceability
of the remainder of these Terms or the Additional Terms (which will remain in
full force and effect). To the extent permitted by applicable law, you agree to
waive, and you hereby waive, any applicable statutory and common law that may
permit a contract to be construed against its drafter. Wherever the word
“including” is used in these Terms or any Additional Terms, the word will be
deemed to mean “including, without limitation”.

G. Communications. When you communicate with us electronically, such as via
email and text message, you consent to receive communications from us
electronically. Please note that we are not obligated to respond to inquiries
that we receive. You agree that all agreements, notices, disclosures, and other
communications that we provide to you electronically satisfy any legal
requirement that such communications be in writing.

H. Investigations; Cooperation with Law Enforcement; Termination; Survival.
Company reserves the right, without any limitation, to: (i) investigate any
suspected breaches of its Site security or its information technology or other
systems or networks, (ii) investigate any suspected breaches of these Terms and
any Additional Terms, (iii) investigate any information obtained by Company in
connection with reviewing law enforcement databases or complying with criminal
laws, (iv) involve and cooperate with law enforcement authorities in
investigating any of the foregoing matters, (v) prosecute violators of these
Terms and any Additional Terms, and (vi) discontinue the Site, in whole or in
part, or, except as may be expressly set forth in any Additional Terms, suspend
or terminate your access to it, in whole or in part, including any user accounts
or registrations, at any time, without notice, for any reason and without any
obligation to you or any third party. Any suspension or termination will not
affect your obligations to Company under these Terms or any Additional Terms.
Upon suspension or termination of your access to the Site, or upon notice from
Company, all rights granted to you under these Terms or any Additional Terms
will cease immediately, and you agree that you will immediately discontinue use
of the Site. The provisions of these Terms and any Additional Terms, which by
their nature should survive your suspension or termination will survive,
including the rights and licenses you grant to Company in these Terms, as well
as the indemnities, releases, disclaimers, and limitations on liability and the
provisions regarding jurisdiction, choice of law, no class action, and mandatory
arbitration.

I. Assignment. Company may assign its rights and obligations under these Terms
and any Additional Terms, in whole or in part, to any party at any time without
any notice. These Terms and any Additional Terms may not be assigned by you, and
you may not delegate your duties under them, without the prior written consent
of an officer of Company.

J. No Waiver. Except as expressly set forth in these Terms or any Additional
Terms, (i) no failure or delay by you or Company in exercising any of rights,
powers, or remedies under will operate as a waiver of that or any other right,
power, or remedy, and (ii) no waiver or modification of any term of these Terms
or any Additional Terms will be effective unless in writing and signed by the
party against whom the waiver or modification is sought to be enforced.

K. Connectivity. You are responsible for obtaining and maintaining all Devices
and other equipment and software, and all internet service provider, mobile
service, and other services needed for your access to and use of the Site and
you will be responsible for all charges related to them.

L. California Consumer Rights and Notices. Residents of California are entitled
to the following specific consumer rights information: you may contact the
Complaint Assistance Unit of the Division of Consumer Services of the Department
of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California
95814, or by telephone at (916) 445-1254. Their website is located at:
http://www.dca.ca.gov.

M. References. References to “Site” “you,” and “us” include our respective
subsidiaries, affiliates, agents, employees, predecessors in interest,
successors, and assigns, as well as all authorized or unauthorized users or
beneficiaries of services under this or prior agreements between us.

16. EFFECTIVE DATE

This Terms and Conditions were last revised and are effective as of December 14,
2023.


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