Last Updated: January 01, 2021
Terms of Service

PLEASE READ THE FOLLOWING TERMS OF SERVICE AGREEMENT CAREFULLY. BY ACCESSING OR USING OUR WEBSITE (THE “SITE”) OR OUR SERVICES, YOU HEREBY AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS THE RESPONSIBILITY OF YOU, THE USER, CUSTOMER, OR PROSPECTIVE CUSTOMER TO READ THE TERMS AND CONDITIONS BEFORE PROCEEDING TO USE THIS SITE. IF YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN PLEASE DO NOT ACCESS OR USE OUR SITE OR OUR SERVICES.

The present terms and conditions (this “Agreement” or “Terms“) is a legal agreement between you and Rock CPA (hereinafter “Rock CPA“), a company duly organized and validly existing, located at 20601 Country Creek Drive #3311 Estero, FL 33928. this Agreement annuls and voids all previous agreements.

Overview
The Site (www.rockcpatax.com) is operated by Rock CPA. Throughout the Site, the terms “we“, “us” and “our” refer to Rock CPA. Rock CPA offers this Site, including all information, tools, and services available from this Site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here.

By visiting our Site and/or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions, including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms apply to all users of the Site, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content. In the event of an inconsistency between this Agreement and any additional terms or policies referred to herein, the provisions of the additional terms or policies shall control.

Please read these Terms carefully before accessing or using our Site. By accessing or using any part of the Site, you agree to be bound by these Terms. If you do not agree to all the Terms of this Agreement, then you may not access the Site or use any Service. If these Terms are considered an offer, acceptance is expressly limited to these Terms.

Any new features or tools which are added to the current store shall also be subject to the Terms. You can review the most current version of the Terms at any time on this page. We reserve the right to update, change or replace any part of these Terms by posting updates and/or changes to our Site. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Site following the posting of any changes constitutes acceptance of those changes.

Your use of our Site is subject to the additional notices that may appear throughout the Site. If you use any of our products or services, you are subject to any applicable agreements (“Supplemental Agreements”) and any posted guidelines or rules applicable to such products or services. All such guidelines, or rules, are hereby incorporated by reference into this Agreement. Where a conflict exists between this Agreement and any of the Supplemental Agreements, the provisions of the applicable Supplemental Agreement shall govern.

Neither Rock CPA nor its representatives are engaged in rendering legal services or other such advice.

We are not providing investment advice through the Site, and the material on the Site should not be regarded as an offer to sell, or a solicitation of an offer to buy, any securities from Rock CPA or its affiliates.

General Terms
By agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this Site.

You may not use our products or Site for any illegal or unauthorized purpose nor may you, in the use of our products or Site, violate any laws in your jurisdiction (including but not limited to motor vehicle laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your account and right to use our Service.

We have the right, but not the obligation, to take any of the following actions in our sole discretion at any time and for any reason without giving you any prior notice:

Restrict, suspend or terminate your access to all or any part of our Site;
Change, suspend or discontinue all or any part of our products or Site;
Refuse, move, or remove any content that is available on all or any part of our Site;
Deactivate or delete your accounts;
Establish general practices and limits concerning the use of our Site.
You agree that we will not be liable to you or any third party for taking any of these actions.

You understand and agree that our Site may include communications such as service announcements and administrative or legal notices from us. Please note that you cannot opt-out of receiving these notices.

You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to the technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Site, use of the Site, or access to the Site or any contact on the Site, without express written permission by us.

You may not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. Rock CPA content is not for resale. Use of the Site does not entitle users to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal, sue, and will make no other use of the content without the express written permission of Rock CPA and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Rock CPA or our licensors except as expressly authorized by these Terms.

Creating an Account
Once you create an account with us, you are registered on the Rock CPA Site. The terms “member,” “membership,” and “account” all refer to this registration as a member on the Rock CPA’s Site. If you are merely surfing or browsing through the Site and have not yet created an account, your use of the Site is still subject to this Agreement; if you do not agree to this Agreement, do not use the Site.

When you create an account, you will provide a unique username and email. We will also ask you to create a password. Because any activities that occur under your username or password are your responsibility it is important for you to keep your username and/or password secure. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that Rock CPA is not responsible for third party access to your account that results from theft or misappropriation of your account. Notify us immediately if you believe that someone has used your username, email, or password without your authorization.

Furthermore, the registering party hereby acknowledges, understands, and agrees to:

furnish factual, correct, current, and complete information with regards to yourself as may be requested by the data registration process, and
maintain and promptly update your registration and profile information in an effort to maintain accuracy and completeness at all times.
If anyone knowingly provides any information of a false, untrue, inaccurate, or incomplete nature, Rock CPA will have sufficient grounds and rights to suspend or terminate the member in violation of this aspect of the Agreement, and as such refuse any and all current or future use of Rock CPA Services, or any portion thereof.

Conduct
As a user or member of the Site, you herein acknowledge, understand and agree that all information, text, software, data photographs, music, video, messages, tags, or any other content, whether it is publicly or privately posted and/or transmitted, is the expressed sole responsibility of the individual from whom the content originated. In short, this means that you are solely responsible for any and all content posted, uploaded, emailed, transmitted, or otherwise made available by way of the Rock CPA Services, and as such, we do not guarantee the accuracy, integrity or quality of such content. It is expressly understood that by use of our Services, you may be exposed to content including, but not limited to, any errors or omissions in any content posted, and/or any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted or otherwise made available by Rock CPA.

Furthermore, you herein agree not to make use of Rock CPA’s Services for the purpose of:

Uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or invasive of another’s privacy or which is hateful, and/or racially, ethnically, or otherwise objectionable.

Causing harm to minors in any manner whatsoever.
Impersonating any individual or entity, including, but not limited to, any Rock CPA officials, forum leaders, guides, or hosts or falsely stating or otherwise misrepresenting any affiliation with an individual or entity.

Forging captions, headings, or titles or otherwise offering any content that you personally have no right to pursuant to any law nor having any contractual or fiduciary relationship with.

Uploading, posting, emailing, transmitting, or otherwise offering any such content that may infringe upon any patent, copyright, trademark, or any other proprietary or intellectual rights of any other party.

Uploading, posting, emailing, transmitting, or otherwise offering any content that you do not personally have any right to offer pursuant to any law or in accordance with any contractual or fiduciary relationship.

Uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or unauthorized advertising, promotional flyers, “junk mail,” “spam,” or any other form of solicitation, except in any such areas that may have been designated for such purpose.

Uploading, posting, emailing, transmitting, or otherwise offering any source that may contain a software virus or other computer code, any files and/or programs which have been designed to interfere, destroy and/or limit the operation of any computer software, hardware, or telecommunication equipment.

Disrupting the normal flow of communication, or otherwise acting in any manner that would negatively affect other users’ ability to participate in any real-time interactions.

Interfering with or disrupting any Rock CPA Services, servers, and/or networks that may be connected or related to our website, including, but not limited to, the use of any device software and/or routine to bypass the robot exclusion headers.

Intentionally or unintentionally violating any local, state, federal, national or international law, including, but not limited to, rules, guidelines, and/or regulations decreed by the U.S. Securities and Exchange Commission, in addition to any rules of any nation or other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law.
Providing informational support or resources, concealing and/or disguising the character, location, and /or source to any organization delegated by the United States government as a “foreign terrorist organization” in accordance with Section 219 of the Immigration Nationality Act.

“Stalking” or with the intent to otherwise harass another individual; and/ or
Collecting or storing of any personal data relating to any other member or user in connection with the prohibited conduct and/or activities which have been set forth I the aforementioned paragraphs.

Rock CPA herein reserves the right to pre-screen, refuse and/or delete any content currently available through our Services. In addition, we reserve the right to remove and/or delete any such content that would violate the Terms or which would otherwise be considered offensive to other visitors, users, and/or members.

Rock CPA herein reserves the right to access, preserve and/or disclose member account information and/or content if it is requested to do so by laws or in good faith belief that any such action is deemed reasonably necessary for:

Compliance with any legal process
Enforcement of the Terms
Responding to any claim that therein contained content is in violation to the rights of any third party
Responding to request for customer service; or
Protecting the rights, property, or the personal safety of Rock CPA, its visitors, users and members, including the general public.
Rock CPA herein reserves the right to include the use of security components that may permit digital information or material to be protected, and that such use of information and/or material is subject to usage guidelines and regulations established by Rock CPA or any other content providers supplying content services to Rock CPA. You are hereby prohibited from making any attempt to override or circumvent any of the embedded usage rules in our Services. Furthermore, unauthorized reproduction, publication, distribution, or exhibition of any information or materials supplied by our Services, despite whether done so in whole or in part, is expressly prohibited.

Personal and Noncommercial Use and License
We may provide users with online tax preparation products and services and tax preparation information (“services and information”) for personal, non-commercial use. We grant you access to the Site during the term of this agreement solely to receive the services and information.

Your eligibility for any of our products and services is subject to our final approval and acceptance.

Except as expressly provided otherwise in an applicable Supplemental Agreement, we grant you a personal, limited, revocable, non-transferable, and non-exclusive license to display on your computer, print, download, and use screen displayed text, audio clips, video clips, and other such content that is made available to you on the Site, solely for your own non-commercial, personal purposes necessary to receive the services and information provided on the Site, provided that: (i) you do not (and do not allow any third party to) modify or create a derivative work of any such content; and (ii) you include with and display on each copy of such content the associated copyright notice. No other use is permitted. Without limiting the generality of the foregoing, you may not: (i) include such content in or with any product or service that you create or distribute; (ii) include such content on another Internet Site; (iii) reproduce, duplicate, copy, sell, rent, resell or exploit for any commercial purposes any portion of the Site, use of the Site, or access to the Site; or (iv) establish hyperlinks to any page other than the home page of the Site or create any frame containing any portion of the Site, on any other Site or text document with hyperlink capabilities. Further, you may not direct any other person to do any of the foregoing. You agree not to access the Site by any means other than through a commercially available web browser. You will not access or attempt to access password protected, secure or non-public areas of the Site without our prior written permission. You will comply with all privacy laws.

User Responsibilities
In order to use the Site, you must obtain access to the Internet and pay any service fees associated with such access. System availability and access to the services and information available on the Site may be limited or unavailable for reasons which may include, without limitation, system performance, telecommunications failure, hardware failure or software failure. You are responsible for your use of your Internet browser, the Site, and the services and information provided on the Site. We are not responsible for deletion of data, timeliness of services, or the failure to store any of your data or personalization settings.

Intellectual Property
All content on the Site, including but not limited, text, graphics, logos, button icons, images, audio clips, trade names, trademarks, service marks, trade dress, digital downloads, data compilations, software, and the compilation of any of the foregoing, is our property the property of our licensors and is protected by the United States and international patent, copyright, and trademark laws. The display and availability of the content on the Site do not convey or create any license or other rights in the content. Any unauthorized copying, reverse engineering, redistribution, reproduction, publication or modification of Site content by any person without our prior written authorization is strictly prohibited, may be a violation of federal or common law, trademark, patent, and copyright laws, and may subject such a violator to legal action. The use of content from the Site on any other Site or networked computer environment is similarly prohibited. Requests for permission to reproduce or distribute materials found on the Site can be made by contacting us in writing. You are also strictly prohibited from creating works or materials that derive from or are based on the Site content or other materials contained in the Site including, without limitation, fonts, icons, link buttons, wallpaper, desktop themes and unlicensed merchandise. This prohibition applies regardless of whether the derivative materials are sold, bartered or given away.

Your Account
There may be portions of the Site that require you to create a user account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your password or account, or any other breach of security of which you are aware, and to ensure that you properly close out of your account at the end of each session. We may, in our sole discretion, terminate your password, account (or any part thereof) or use of the Site at any time and for any or no reason. Rock CPA will not be liable to you or any third party for any termination of your access to the Site. If your status as a user of this Site is terminated, you will (i) stop using the Site and any information obtained from the Site, and (ii) destroy all copies of your account information, password, and any information obtained from this Site.

You agree that any information you provide to us through the Site will be accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete as of the date the information was provided, or we have reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, we have the right, without limitation, to suspend or terminate any of your accounts and to refuse all current or future use of the Site (or any portion thereof) and the services and information provided on the Site.

Confidential Information
You agree that you will not disclose our Confidential Information to any person or entity, other than as necessary to use the services and information provided on the Site. You will not use or permit the use of any Confidential Information except as necessary in connection with the services and information. You shall use at least the same degree of care in safeguarding the Confidential Information as you use in safeguarding your own confidential information, but in no event shall you use less than due diligence and care. “Confidential Information” means all information or material which: (i) is obtained from password-protected portions of the Site or (ii) (A) is marked “Confidential,” “Restricted,” or other similar markings, (B) is known by the parties to be considered confidential, or (C) is or should be known or understood to be confidential or proprietary by an individual exercising reasonable judgment.

No Unlawful or Prohibited Use
If you are under the age of 13, you may not use this Site.

As a condition of your use of this Site, you warrant to Rock CPA that you will not use this Site for any purpose that is against the law or prohibited by these terms. If you violate any of these terms, your permission to use this Site automatically ends.

You may not without, our prior written permission, use any computer code, data mining software, “robot,” “bot,” “spider,” “scraper” or other automatic devices, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the web pages, data or content found on this Site or accessed through this Site. You may not republish Rock CPA content or other content from this Site on another Site or use in-line or other linking to display such content without our permission. You may not introduce viruses, spyware or other malicious code to this Site. You represent and warrant that you use frequently updated, commercially standard virus protection software to ensure that the system you use to access our Site is virus-free.

Links to Third Party Sites
This Site may contain hyperlinks to Sites operated by parties other than Rock CPA or its affiliates. Such hyperlinks are provided for your reference only. We do not control such sites and are not responsible for their content. If we post hyperlinks to other sites, this does not mean that we endorse the material on such Sites or associate ourselves with their operators. Your access to and use of such sites, including information, material, products, and services on such Site, is solely at your own risk. Furthermore, because our privacy policy is applicable only when you are on our Site, once linked to another Site, you should read that site’s privacy policy before disclosing any personal information. Where we are offering our own content on or through third-party sites (whether by linking, framing or otherwise), your use or display of that content shall be subject to this Agreement unless a specific Supplemental Agreement is applicable to the use or display of that content.

Transactions with Third Parties
Your correspondence or business dealings with, or participation in promotions of, advertisers or third parties found on or throughout the Site, including without limitation with respect to the payment and delivery of related products or services and any other terms, conditions, warranties, or representations associated with such dealings, are solely between you and such third parties and are not binding on us.

Links to Our Site
We grant you a personal, limited, revocable, non-transferable, and nonexclusive right to create a hyperlink to the home page of the Site so long as (i) the link or your linking Site does not portray us or any of our services or information in a false, misleading, derogatory, or otherwise offensive matter; (ii) your linking Site complies with all applicable law and does not otherwise violate this Agreement or the rights of others; and (iii) your Site has, maintains and follows a privacy policy no less protective of user data than Rock CPA’s Privacy Policy. You may not use any of our logos or other proprietary graphics or trademarks as part of the link without our express written permission. We may revoke this license at any time, with or without cause, in which case you agree to immediately remove such hyperlink. You may not link to any page other than the home page of this Site. Any link to our Site should be a full forward link that passes the client browser to our home page without barriers. The “back” button should return the visitor to the original site if the visitor wishes to back out.

User Content/E-Mail Discussion Lists, Interactive Areas
We may offer you the opportunity to contribute your ideas, comments, questions, feedback, and other communications to or from the Site (collectively, the “User Content”) in other blogs, message boards, chat rooms, e-mail, and other features of the Site (“User Areas”) that may be offered from time to time and maybe operated by us or by a third party on our behalf. You shall not (nor cause any third party to) use the Site or information provided through the Site to perform any illegal activities (including without limitation defaming, abusing, harassing, stalking, threatening or otherwise violating the legal rights, such as rights of privacy, of others) or immoral activities or any of the following types of activities, without limitation:

Disseminating libelous, harmful, vulgar, pornographic, obscene, or otherwise objectionable material. Containing nudity, the violence or offensive subject matter, or are deemed exploitive in any way. Promoting racism, prejudice, bigotry, hatred, harassment, or physical harm of any kind against any individual, group, or individual. Promoting illegal activities or conduct that is abusive, threatening, obscene, defamatory, or libelous; or promote any criminal activity or enterprise or provide instructional information about illegal activities, such as making or buying illegal weapons or violating someone’s privacy.

Using any computer code, data mining software, “robot,” “bot,” “spider,” “scraper” or other automatic devices, or program, algorithm or methodology having similar processes or functionality, or any manual process, to monitor or copy any of the Web pages, data or content found on the Site or accessed through the Site

Transmitting information that infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any party. Transmitting any material that contains software viruses, trojan horses, worms, time bombs, cancelbots, or any other computer code, files, or programs that may interrupt, destroy or limit the functionality of any computer software or hardware, or telecommunications equipment
Impersonating anyone or any entity, or falsely stating or otherwise misrepresenting your affiliation with a person or entity
Advertising or posting any commercial content
Interfering with or disrupting the Site
Disrupting the activities or enjoyment of the Site for other users
Collecting, or storing personal data about other users
Further, you agree that all User Content you provide will be on-topic, relevant and will not include profanity or any other disruptive or disrespectful behavior. The User Areas are not the appropriate channel to express individual concerns or specific customer support issues. Such concerns and issues should be addressed to the online customer support pages of the Site. You agree to evaluate and assume all risks associated with the use of User Content, including without limitation any risk relating to any reliance on the accuracy, completeness, or usefulness of User Content. We assume no responsibility for User Content or for the use of any User Area. You agree to abide by all applicable local, state and federal laws and regulations and are solely responsible for all acts or omissions that occur under your account or password, including without limitation any User Content you create or upload.

You acknowledge that User Content is not endorsed by Rock CPA and such user content should not be considered to have been reviewed, screened or approved by Rock CPA. You should exercise discretion before relying on information contained in user content.

We may, in our sole discretion, remove any User Content from a User Area at any time and for any or no reason. Rock CPA will not be liable to you or any third party for any deletion of any User Content on the Site.

You acknowledge that we may preserve and disclose User Content if required to do so by law or we believe in good faith that such preservation or disclosure is reasonably necessary to comply with legal process, enforce this Agreement, respond to a claim that User Content violates any third party’s rights, or protect the right, property or personal safety of Rock CPA, any users of the Site, and the public.

You also acknowledge that the technical processing and transmission of the Site, including without limitation User Content, may involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices.

Changes to Site
We may make improvements or changes in the information, services, products, and other materials on this Site or terminate this Site at any time for any or no reason and without notice.

Notice and Procedure for Making Claims of Copyright Infringement
If you believe that any material contained on the Site infringes your copyright or other intellectual property rights, you should notify Rock CPA of your copyright infringement claim in accordance with the following procedure. Rock CPA will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act and other applicable intellectual property laws.

Pursuant to the Digital Millennium Copyright Act, all notifications of claimed copyright infringement on the Site should be sent ONLY to Rock CPA:

Name and address to Receive Notification of Claimed Infringement:

Rock CPA
20601 Country Creek Drive #3311
Estero, FL 33928

Under the Digital Millennium Copyright Act, the notification of claimed infringement must include the following:

An electronic or physical signature of the owner or of the person authorized to act on behalf of the owner of the copyright interest
Identification of the copyrighted work (or works) that you claim has been infringed.

A description of the material that you claim is infringing, and the location where the original or an authorized copy of the copyrighted work exists (for example, the URL of the page of the web site where it is lawfully posted; the name, edition and pages of a book from which an excerpt was copied, etc.)
A clear description of where the infringing material is located on our Site, including as applicable its URL, so that we can locate the material
Your name, address, telephone number, and e-mail address. A statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law.

A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf

NOTE: THE NAME AND ADDRESS are PROVIDED SOLELY FOR NOTIFYING US THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. DO NOT SEND ANY INQUIRIES UNRELATED TO COPYRIGHT INFRINGEMENT TO THE NAME AND ADDRESS ABOVE AS YOU WILL NOT RECEIVE A RESPONSE. WE CAUTION YOU THAT UNDER FEDERAL LAW IF YOU KNOWINGLY MISREPRESENT THAT ONLINE MATERIAL IS INFRINGING, YOU MAY BE SUBJECT TO HEAVY CIVIL PENALTIES. THESE INCLUDE MONETARY DAMAGES, COURT COSTS, AND ATTORNEYS FEES INCURRED BY US, BY ANY COPYRIGHT OWNER, OR BY ANY COPYRIGHT OWNER’S LICENSEE THAT IS INJURED AS A RESULT OF OUR RELYING UPON YOUR MISREPRESENTATION. YOU MAY ALSO BE SUBJECT TO CRIMINAL PROSECUTION FOR PERJURY.

We will, in appropriate circumstances, terminate repeat infringers. If you believe that an account holder or subscriber is a repeat infringer, please follow the instructions above to contact Rock CPA and provide information sufficient for us to verify that the account holder or subscriber is a repeat infringer.

Miscellaneous
Governing Law. This Agreement shall be governed by the laws of the State of Flordia, without regard to conflicts of law provisions. Any legal action or proceeding between Rock CPA and you related to this Agreement will be brought exclusively in a federal or state court of competent jurisdiction sitting in the State of Flordia, Lee County.

Entire Agreement. This Agreement, along with any Supplemental Agreements, is the entire and exclusive agreement between the parties, and it supersedes all previous communications, representations or agreements, either oral or written, between them with respect to this subject matter. No representations or statements of any kind made by us, which are not included in this Agreement, shall be binding on us.

Amendments. You may not modify or amend this Agreement in whole or in part without the prior written consent of one of our authorized representatives. We may replace or amend this Agreement from time to time by posting new terms of service to this Site. Please check the Terms of Service periodically for changes. Your subsequent use of the Site, or any content, products, services, or materials provided through the Site, will be subject in all respects to the terms of service in force at the time of such subsequent use.

Waiver. No waiver of any provision herein shall be valid unless in writing and signed by both our authorized representative and you. Our failure to insist upon or enforce strict performance of any provision of this Agreement or any right shall not be construed as a waiver of any such provision or right.

Severability. If any provision of this Agreement is deemed to be illegal or unenforceable, the remainder of this Agreement shall be unaffected and shall continue to be fully valid, binding, and enforceable.

Headings. The headings contained herein are for convenience only and shall have no legal or interpretive effect.

Other. We may assign our rights and duties under this Agreement to any party at any time without notice to you.