Terms of Use

Terms of Use

Welcome to ByME, Inc. (the "Company," "we" or "us"). The following terms and conditions (together with any documents referred to in them) (collectively, these "Terms of Use") apply to your use of our website and any content, functionality and services offered at getbyme.com and our related mobile application (together, the "Site"), which is owned and operated by us.

Acceptance of and Changes to the Terms of Use

By using the Site, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, found here, incorporated herein by reference.We may revise and update these Terms of Use from time to time in our sole discretion, and will post any updates to the Terms of Use on the Site. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes.

Site Specifics

The Company provides a mobile and online service that advertises on behalf of merchant partners making promotional offers for goods and services, and facilitates the use of promotions by the merchant's customers. Merchants may sign up and pay to create offers via the Company's website at getbyme.com. Offers may then be redeemed, shared, and re-promoted by users of the Site via the Site with a mobile device, through which users which have access to digital coupons, vouchers, or other methods of offer redemption. Users (both merchants and customers) may earn points and other rewards for use of the Site at the discretion of the Company. We determine in our own discretion which offers to promote on behalf of merchant users, but is not responsible for content of such offers or compliance by its merchant partners with the terms of such offers. Promotional transactions consummated due to use of the Site remain solely between the customer and merchant. The Company only collects money from merchants via the website when offers are created and no payments are collected from users. Merchants grant to us a limited license to use the merchant's trademarks in connection with the service and advertising and promotion of the Site.

Access

To participate in and communicate with us through the Site, you will be asked to provide certain information. You represent and warrant that all information provided by you is accurate and complete, including, as a merchant, the terms of any offer promoted via the Site. Our Privacy Policy describes the information we collect, use, manage, disclose, and share.

Any user name, password, or any other piece of information constituting part of our security procedures for registered users of the Site, should be treated as confidential, and you must not disclose it to any third party. You agree to immediately notify us of any unauthorized use of your user name or password or any other breach of security.

We reserve the right to withdraw or amend the Site, and any service or material we provide on the Site, in our sole discretion without notice and without liability. We will not be liable if for any reason all or any part of the Site is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Site, or the entire Site. You are responsible for ensuring that all persons who access the Site through your internet connection are aware of these Terms of Use, and that they comply with them.

Electronic Fund Transfers ("EFTs") and Account Balances

By creating an account with ByME and initiating bank deposits or withdraws (i.e. ETFs), you agree to the terms of service and privacy policy of our financial software provider, SynapseFi,  and SynapseFi financial institution partner’s Terms of Service & Privacy Policy (“SynapseFi TOS”) which are incorporated herein by reference.  Terms not defined in this section shall be defined in SynapseFi TOS.

We have partnered with SynapseFi, a financial services software company, to provide a payment platform for you to buy it on ByME. When you sign up for an account with our Platform, you will also be prompted to sign up for a SynapseFi User Account (as define in SynapseFi TOS). You authorize us to share your identity and banking information with SynapseFi to open and support your User Account as further details in our Privacy Policy (hyperlink) and SynapseFi Privacy Policy.  It is your responsibility to make sure the data you provide us is accurate and complete.  Additionally, you are responsible for complying with SynapseFi TOS when using your User Account.  It Is Your Responsibility To Read and understand SynapseFi Tos As It Contains terms and conditions relating to your SynapseFi user account including but not limited to Your Rights, Limitations, reversal and other Liabilities, Limitation Of Liability And binding Arbitrations Provisions.

When you open a SynapseFi User Account, you will link a checking or savings account to perform ETF and, if applicable, deposit funds into your SynapseFi User Account.  Deposits into your User Account are held by SynapseFi financial institution partners as detailed in SynapseFi TOS.  DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC.  FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH SynapseFi MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.

All EFT transactions are performed by and deposits are held by SynapseFi financial institution partner.  ByME and SynapseFi only transmit transaction instructions to SynapseFi financial institution partner and do not hold deposits in your Synapse User Account. ByME will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your SynapseFi User Account ad detailed below.

ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT The following disclosures are made in accordance with the federal law regarding electronic payments, deposits, transfers of funds and other electronic transfers to and from your account(s). There may be limitations on account activity that restrict your ability to make electronic fund transfers. Any such limits are disclosed in the appropriate agreements governing your account. A. Definitions: Electronic Fund Transfer: Any transfer of funds, other than a transaction originated by check, draft or similar paper instrument, that is initiated through an electronic device or computer to instruct us to debit or credit an account. Electronic Fund Transfers include such electronic transactions as direct deposits or withdrawals of funds, transfers initiated via telephone, website or mobile application. Preauthorized Electronic Fund Transfer: An Electronic Fund Transfer that you have authorized in advance to recur at substantially regular intervals; for example, direct deposits into or withdrawal of funds out of your account. B. Your Liability: Authorized Transfers: You are liable for all Electronic Fund Transfers that you authorize, whether directly or indirectly. Unauthorized Transfers: Tell us at once if you believe your account or PIN or Access Information (as defined below) is lost or stolen or has been or may be subject to unauthorized Electronic Fund Transfers. Support message us immediately to keep your possible losses to a minimum. You could lose all the money in your account(s). If you tell us within two (2) business days after learning of the loss or theft of your account access device, or after learning of any other unauthorized transfers from your account involving your account access device, you can lose no more than $50 if Electronic Fund Transfers are made without your permission. For these transactions, if you DO NOT tell us within two (2) business days after learning of the loss, theft or unauthorized use, and we can establish that we could have prevented the unauthorized transfer(s) if you had told us in time, you could lose as much as $500.  Also, if your periodic account statement shows unauthorized transfers and you DO NOT tell us within sixty (60) days after the statement was delivered to you, you may not get back any money you lose after the sixty (60) day period if we can prove that we could have prevented the unauthorized transfer(s) if you had told us in time. If an extenuating circumstance (such as extended travel or hospitalization) prevents you from promptly notifying us of a suspected lost or stolen access device or of any other suspected unauthorized transfer(s), the time periods specified in this Section B may be extended for a reasonable period.

Errors Resolution

(1) Errors or Questions about Transactions

Please contact us by emailing us at sup@getbyme.com (1) if you believe a transaction receipt or a statement is wrong, or (2) if you need more information about a transaction on the receipt or statement. For consumer accounts, we must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared. For business accounts, we must hear from you within one (1) business day of us sending you a receipt. Your inquiry must include: (x) your name, email associated with your account, and your account number (if available); (y) a description of the error or the transaction you are unsure about, and a clear explanation of why you believe there is an error or why you need more information; and (z) the dollar amount of the suspected error. If you tell us orally, we may require that you send us your inquiry via email within ten (10) business days.

(2) Time Periods

Ten-Day Time Period - ByME will investigate promptly and, except as otherwise provided in this paragraph, shall determine whether an error occurred within 10 business days of receiving a notice of error. ByME shall report the results to the consumer in writing within three business days after completing its investigation. ByME shall correct the error within one business day after determining that an error occurred.

Forty Five-Day Time Period - If ByME is unable to complete its investigation within 10 business days, ByME may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided ByME does the following:

(1) Provisionally credits the consumer's account in the amount of the alleged error (including interest where applicable) within 10 business days of receiving the error notice. ByME need not provisionally credit the consumer's account if:

  • ByME does not receive written confirmation within 10 business days of an oral notice of error; or
  • The alleged error involves an account that is subject to Regulation T (Securities Credit by Brokers and Dealers, 12 CFR part 220)

(2)Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation;
(3) Corrects the error, if any, within one business day after determining that an error occurred; and
(4) Reports the results to the consumer within three business days after completing its investigation (including, if applicable, notice that a provisional credit has been made final).

(3) Extension of time periods. The time periods described above may be extended as follows:

  • Extension of Ten-Day Time Period - The time limit for resolution is extended to 20 business days in place of 10 business days if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made; or
  • Extension of Forty Five-Day Time Period - The time limit for resolution is extended to 90 days in place of 45 days for completing an investigation, if a notice of error involves an electronic fund transfer that occurred within 30 days after the first deposit to the account was made.

Prohibited Contributions

You may use the Site only for lawful purposes and in accordance with these Terms of Use. You must not: (a) modify copies of any materials from the Site; (b) use any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text; (c) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Site; (d) reproduce, sell, or exploit for any commercial purposes any part of the Site, access to the Site, or use of the Site or any services or materials available through the Site; (e) reverse engineer, decompile, disassemble, reproduce, transcribe, translate into any language or computer language, re-transmit in any form by any means/attempt to discover any underlying ideas, source code, processes, techniques, technology, design, formula, engineering, or algorithms of the Site; or (f) transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including any "spam" or any other similar solicitation.

You agree not to: (a) use the Site in any way that violates any applicable federal, state, local, and international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); (b) use the Site in any manner that could disable, overburden, damage, or impair the Site; (c) use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including to monitor or copy any of the material on the Site; (d) use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent; (e) use any device, software, or routine that interferes with the proper working of the Site; (f) introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful; (g) attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site; or (h) otherwise attempt to interfere with the proper working of the Site.

User Contributions

The Site contains interactive features that allow you to post, submit, publish, display, or transmit to other users content or materials (collectively, "User Contributions") on or through the Site. Any User Contribution you post to the Site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. You represent and warrant that you own or control all rights in and to the User Contributions and have the right to grant the Company and its affiliates the license granted above. You represent and warrant that all of your User Contributions do and will comply with these Terms of Use, and you agree to defend, indemnify, and hold harmless the Company and its affiliates and licensors for any breach of that representation and warranty. We are not responsible, or liable to any third party, for the content or accuracy of any User Contributions posted by you or any other user of the Site.

We have the right to (a) remove or refuse to post any User Contributions for any or no reason in our sole discretion; (b) take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public or could create liability for the Company; (c) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; and (d) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site; (e) terminate or suspend your access to all or part of the Site for any or no reason, including without limitation, any violation of these Terms of Use.

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

However, we do not undertake to review material before it is posted on the Site, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party, including merchant partners. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

User Contributions must in their entirety comply with all applicable federal, state, local and international laws and regulations. User Contributions must not: (a) contain any material which is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory or otherwise objectionable; (b) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; (c) infringe any patent, trademark, trade secret, copyright or other intellectual property rights of any other person; (d) violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy; (e) be likely to deceive any person; (f) promote any illegal activity, or advocate, promote or assist any unlawful act; (f) impersonate any person, or misrepresent your identity or affiliation with any person or organization, or (g) give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.

Following any termination or deactivation of your account, or if you remove any User Contributions from your account or the Site, we may retain your User Contributions for a commercially reasonable period of time for backup, archival, or audit purposes. The Company and other Site users may also retain and continue to display, reproduce, re-post, modify, re-arrange, and distribute any of your User Contributions that other Site users have re-posted on the Site or which you have posted to public or semi-public areas of the Site.

Intellectual Property Rights

The Site and its contents, features, and functionality (including but not limited to information, software, text, displays, images, video, and audio, logos, and the design, selection, and arrangement thereof, copyrightable or otherwise legally protective elements of the Site, and all trademarks, service marks, and trade names), are owned by the Company and/or its subsidiaries, licensors, affiliates, assigns, or other providers of such material, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. Data collected regarding use of the Site is owned by the Company.

You are granted a non-exclusive, non-transferable license to access and use the Site strictly in accordance with these Terms of Use and any other legal notices on the Site, and are permitted to use the Site for your personal use only. Such license may not be transferred or assigned by you, and any attempted transfer or assignment in violation hereof shall be null and void. You must not copy, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Site, except to: (a) store copies of such materials temporarily in RAM; (b) store files that are automatically cached by your Web browser for display enhancement purposes; and (c) print a reasonable number of pages of the Site for a permitted use. You may also take such actions as are enabled by social media features provided through the Site.

Company Trademarks

The Company name and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, brands, and marks are used for identification purposes only and are the trademarks of their respective owners.

Copyright Infringement

If you believe that any content on the Site violates your copyright, please provide us with the following information as required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, ("DMCA") 17 U.S.C. § 512: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of where the material that you claim is infringing is located on the Site; (d) your name, physical address, telephone number, and email address; (e) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, his/her/its agent, or the law; and (f) 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. Notices with respect to this Site should be sent to [support@getbyme.com].

Links to or from the Site and Social Media Features

Where the Site contains links to other sites and resources provided by third parties, including our merchant partners, these links are provided for your convenience, and we have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third party websites linked to the Site, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

You may link to our Site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Reliance on Information Posted

We can and do not warrant the accuracy, completeness or usefulness of the information presented on or through the Site. Any reliance you place on information presented on or through the Site is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents, and are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided via the Site, including those provided by our merchant partners.

Purchases and Other Terms of Sale

Any and all purchases facilitated through the Site or other transactions formed through the Site or as a result of visits made by customer users of the Site are governed by the terms of sale of the applicable merchants and their offer(s). Merchant transactions with the Company via the Company's website at getbyme.com will be governed by the terms provided during the transaction process.

Geographic Restrictions

The owner of the Site is based in the United States. We provide the Site for use only by persons located in the United States. We make no claims that the Site or any of its content is accessible or appropriate outside of the United States. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Warranty Disclaimers

THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY MAKES NO WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY OR AVAILABILITY OF THE SITE. THE COMPANY DOES NOT REPRESENT THAT THE CONTENT OR ANY SERVICES OBTAINED THROUGH THE SITE WILL BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT THE SITE OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

IN NO EVENT WILL THE COMPANY'S AGGREGATE LIABILITY, OR THAT OF ITS OFFICERS, GOVERNORS, EMPLOYEES AND AGENTS, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF SITE CONTENT EXCEED ONE HUNDRED DOLLARS ($100). THE LIMITATIONS OF LIABILITY SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN THE COMPANY AND YOU. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR CERTAIN WARRANTIES OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU.

Indemnification

You agree to defend, indemnify and hold harmless the Company, its affiliates and licensors and their respective officers, governors, employees, contractors, agents, licensors and suppliers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys' fees) resulting from your violation of these Terms of Use or your use of the Site, including, without limitation, any use of the Site's services and products other than as expressly authorized or your use of any information obtained from the Site.

Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of, or related to, them, their subject matter or their formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the internal laws of the State of Minnesota without giving effect to any choice or conflict of law provision or rule (whether of the State of Minnesota or any other jurisdiction).

Any legal suit, action or proceeding arising out of, or related to, these Terms of Use or the Site shall be instituted exclusively in the federal courts of the United States or the courts of the State of Minnesota in each case located in the City of Minneapolis and County of Hennepin, although we retain the right to bring any suit, action or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You agree to waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

Waiver and Severability

No waiver of these Terms of Use by the Company shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is held by a court of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Idea Submission

We value feedback from the users of our Site. You may choose or we may invite you to submit comments or ideas about the Site, including without limitation about how to improve the Site. By submitting any such feedback, you agree that your disclosure is gratuitous, unsolicited, and without restriction, will not place the Company under any fiduciary or other obligation, and that we are free to use, disclose and otherwise exploit your feedback without any restriction and without additional compensation to you. By acceptance of your submission, the Company does not waive any rights to use similar or related feedback previously known to the Company, developed by its employees, or obtained from sources other than you.

Entire Agreement

The Terms of Use and our Privacy Policy, together with any amendments and any additional agreements you may enter into with the Company in connection with the Site, constitute the sole and entire agreement between you and the Company with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site.