These EXPERTBEACON Terms of Service (the “Agreement”) are agreed to between ExpertBeacon, Inc.(“EBI) and you, or, if you represent an entity or other organization, that entity or organization (in either case “You”).

EBI offers an online information platform known as ExpertBeacon (the “Platform”).  You may access the Platform through the website located at www.expertbeacon.com and through various other websites operated by EBI and third parties (each a “Site”) or using mobile and online applications provided by and on behalf of EBI (each, an “Application,” and each Site and Application treated as a part of the “Platform” for purposes of this Agreement).

The Platform provides end users (“Users”) with the ability to access information, data, and other content (“Content”) on a variety of topics, as well as additional services, functionality and resources described on the Platform (“Services”).

This Agreement applies to the Platform and the Content and Services available through the Platform, regardless of the Site or Application through which You access or use the Platform, Content, or Services.  PLEASE CAREFULLY READ THIS AGREEMENT.  by ACCESSING OR USING THE PLATFORM, Content or services, or by clicking a box that states that you accept or agree to these terms, YOU agree THAT YOU HAVE READ AND AGREE TO BE BOUND BY THIS AGREEMENT.

IF YOU DO NOT AGREE TO THIS AGREEMENT, or do not meet the qualifications included in this agreement, EBI IS NOT WILLING TO PROVIDE YOU WITH ACCESS TO OR USE OF THE PLATFORM, CONTENT or SERVICES and YOU MUST NOT ACCESS OR USE THE PLATFORM, CONTENT or SERVICES.  IF YOU ACCESS OR USE THE PLATFORM, CONTENT or SERVICES, YOU ACKNOWLEDGE that you meet the qualifications included in this agreement and AGREE TO BE BOUND BY THIS AGREEMENT.

This Agreement includes the terms and conditions below and thecurrent Privacy Policy relating to the Platform.  You are responsible for compliance with this Agreement (including these policies).

Unless You later enter into any other agreements with EBI regarding the Platform, Content or Services, this Agreement is the complete and exclusive agreement between You and EBI regarding Your access to and use of the Platform, Content, and Services.  This Agreement supersedes any prior agreement or proposal, oral or written, and any other communications between You and EBI relating to Your use of the Platform, Content or Services as a User of the Platform.

1.         Definitions.  Terms used in this Agreement have the definitions given in this Agreement or, if not defined in this Agreement, have their plain English meaning as commonly interpreted in the United States.

2.         Term.  This Agreement is entered into as of the earlier of the date You first download or install any Application or first access or use the Platform, Content or Services (the “Effective Date”) and will continue until terminated as set forth herein.

3.         Modifications.  EBI reserves the right, at any time, to modify the Platform, Content or Services, with or without notice to You, by making those modifications available on the Platform.  EBI also reserves the right, at any time, to modify the terms of this Agreement.  EBI will inform You of the presence of any changes to this Agreement by posting those changes on the Platform or by providing You with notice through the Platform.  Any modifications will be effective 30 days following posting on the Platform or delivery of such notice through the Platform, except in the case of a legally required modification which will be effective upon posting.  You may terminate this Agreement as set forth below if you object to any such modifications.  However, You will be deemed to have agreed to any and all modifications through Your continued use of the Platform, Content or Services following such notice period.

4.         Eligibility.  The Platform, Content and Services are intended for use by individuals 13 years of age and older.  If You are a parent or guardian of a child under 13, then You may allow Your child to access the Platform, Content or Services only through Your Account (as defined below) under Your direct supervision.  You will not allow Your child to access the Platform, Content or Services other than through Your Account under Your direct supervision and You will be solely responsible for all access to and use of the Platform, Content or Services by Your child through Your Account.  If You are 13 or older but younger than 18, then You may establish Your own Account and access and use the Platform, Content and Services only if Your parent or guardian accepts this Agreement on Your behalf.  If you are a parent or guardian entering this Agreement for the benefit of a child age 13 or older but under 18, then You agree You will be solely responsible for all access to and use of the Platform, Content or Services.

5.         Accounts. 

5.1           Users.  You are permitted to access certain Content and Services without establishing a user account on the Platform (a “User Account”), provided that You have agreed to this Agreement.  However, access to certain Content and Services requires that You establish a User Account on the Platform.  Approval of Your request to establish a User Account will be at the sole discretion of EBI.  Each User Account and the user identification and password for each User Account (the “User Account ID”) is personal in nature.  Each User Account is for Your personal use and each User Account ID may be used only by You alone (or by Your child under 13 through Your User Account under Your direct supervision).  You may not distribute or transfer Your User Account or User Account ID or provide a third partywith the right to access your User Account or User Account ID.  You are solely responsible for all use of the Platform, Content and Services through Your User Account.  You will ensure the security and confidentiality of Your User Account ID and will notify EBI immediately if Your User Account ID is lost, stolen or otherwise compromised.  You are fully responsible for all liabilities and damages incurred through the use of Your User Account or under Your User Account ID (whether lawful or unlawful) and any transactions completed through Your User Account or under Your User Account ID will be deemed to have been lawfully completed by You.

5.2           Expert Users.  EBI provides certain Users the ability to be approved by EBI as “expert” Users (those Users, “Experts”).  Users approved by EBI to become Experts will be provided with the ability to access and use certain additional Services described on and made available to Experts through the Platform and the opportunity to provide other Users with access to and use of certain of their own Content (“Expert Content”) and Services (“Expert Services”) through the Platform.  If You are approved as an Expert on the Platform, Your User Account will enable You to access such Services and manage the Expert Content and Expert Services You provide to Users through the Platform.

5.3           Account Registration.  In connection with establishing a User Account, You will be asked to submit certain information about Yourself (“Registration Information”).  You agree that: (a) all Registration Information You provide will be accurate, complete and current; and (b) You will maintain and promptly update Your Registration Information to keep it accurate, complete and current.  You may not: (i) select or use an Account ID of another person with the intent to impersonate that person; and (ii) use an Account ID that EBI, in its sole discretion, deems offensive.

6.         Access. 

6.1           To the Platform.  Subject to Your compliance with this Agreement, EBI will permit You to access and use the Platform, Content and Services solely for lawful purposes and only in accordance with the terms of this Agreement and any other agreement You agree to with EBI before being given access to any specific aspects of the Platform.  Any additional agreement is in addition to this Agreement and will govern your use of the portions of the Platform to which the additional agreement applies in the event of a conflict between the terms of this Agreement and the additional agreement.

6.2           To Applications.  Subject to Your compliance with this Agreement and any other terms and conditions accompanying each Application, EBI will permit You to download and install Applications and operate those Applications solely for the purpose of using and accessing the Platform, Content, and Services as intended.  You may install each Application only on computers, mobile devices or smart phones owned or controlled by You and used only for Your own personal and non-commercial purposes in accordance with this Agreement and any applicable terms and conditions accompanying the Application or otherwise provided to You by EBI.  Except as expressly set forth in the previous sentence, You are granted no licenses or other rights in or to any Application.  You agree not to use, modify, reproduce, perform, display, create derivative works from, republish, post, transmit, participate in the transfer or sale of, distribute, or in any way exploit or utilize any Application other than as expressly permitted in this Agreement or any other agreement You are required to agree to before being given access to any Application.

6.3           To Other Users and Experts.  The Platform may allow you to link, connect or otherwise communicate with other Users and Experts through the Platform.  By linking, connecting, or communicating with other Users or Experts, You are agreeing to allow those Users or Experts to communicate directly with You through the Platform.  You agree that You are solely responsible for all communications between You and any other User or Expert through the Platform.  Your extension or acceptance of a link, connection or other communication with another User or Expert will serve as Your affirmative “opt in” to the disclosure of any of Your Content (as defined below) or other data or information (which may include Your personally identifiable information) that You provide to that other User or Expert.  You agree that Your links, connections or other communications with other Users and Experts through the Platform will not: (a) violate this Agreement, including, without limitation, the Privacy Policy (b) violate any applicable Laws, including, without limitation, any rules of professional conduct or of licensing bodies; (c) be libelous, defamatory, obscene, abusive, pornographic, threatening, or an invasion of privacy; (d) constitute an infringement, misappropriation or violation of the IPR or other rights of any third party; (e) be illegal in any way or advocate illegal activity; (f) be false, misleading or inaccurate; (g) be considered junk mail, spam, a part of a pyramid scheme, a disruptive commercial message or disruptive advertisement; or (h) constitute the unauthorized practice of medicine, therapy, law or other professional service.

6.4           To Content.  Unless otherwise noted on the Platform, all Expert Content and other Content available through the Platform (“Platform Content”), including all text, audio, video, photographs, illustrations, graphics and other media, is owned by EBI, the Experts providing that Platform Content, and EBI’s other third party providers.  All Platform Content is provided for informational purposes only and You are solely responsible for verifying the accuracy, completeness and applicability of all Platform Content and for Your use of any Platform Content.  Subject to Your compliance with this Agreement, You may access the Platform Content solely for Your own personal and noncommercial purposes in connection with Your own use of the Platform and Services.  You will not, and will not permit any third party to: (a) alter, modify, reproduce, or create derivative works of any Platform Content; (b) distribute, sell, resell, lend, loan, lease, license, sublicense or transfer any Platform Content; or (c) alter, obscure or remove any copyright, trademark or any other notices that are provided on or in connection with any Platform Content.  EBI has not verified the accuracy of, and will not be responsible for any errors or omissions in, any Platform Content.  Without limiting the foregoing, EBI will not be held liable to You or any other third party for any Content (including Your Content) under a Federal Law called the Communications Decency Act or CDA, 47 U.S.C. § 230.  Except as set forth in this Agreement, You are granted no licenses or other rights in or to any Platform Content, or any IPR (as defined below) therein or related thereto.  If You would like to use any Platform Content in a manner not permitted by this Agreement, please contact EBI.

6.5           To Third-Party Services.  The Platform may provide You with the choice to access certain Expert Services and other Services developed, provided or maintained other third-party service providers (“Third Party Services”).  In addition to the terms of this Agreement, Your access to and use of any Third Party Services is also subject to any other agreement You may agree to before being given access to the Third Party Services (each, a “Third Party Service Agreement”).  The terms of any Third Party Service Agreement (which may include payment of additional fees) will apply to the applicable Third Party Services provided under that Third Party Service Agreement in addition to the terms of this Agreement but will not apply to any other Services You may access through EBI.  Except as set forth in this Agreement, the terms of any Third Party Service Agreement will control in the event of a conflict between the terms of this Agreement and that Third Party Service Agreement.

6.6           To User Information.  If You are an Expert, the Platform may provide You with certain access to data and other information about other Users and Expert (“User Information”).  The User Information may contain sensitive personal information regarding those other Users or Experts.  You agree that You will only collect, use and disclose User Information in strict accordance with this Agreement and the Privacy Policy.  Except to the extent necessary to provide Your Services (as defined below) you make available through the Platform, You are granted no licenses or rights in or to any User Information or any IPR therein or related thereto.

7.         Your Content.  You are solely responsible for all Content that You may provide or generate through Your use of or access to the Platform, including as applicable any Expert Content (collectively, “Your Content”).  As between You and EBI, You retain ownership of Your Content.  However, in addition to the rights granted to EBI under the Privacy Policy, by providing or generating Your Content through the Platform, You grant EBI a nonexclusive, royalty-free (unless otherwise agreed), perpetual, irrevocable, and fully sublicensable (including, without limitation, to other Users and Experts) right to use, copy, store, reproduce, modify, display, adapt, publish, translate, create derivative works from, distribute, and display (“Use”) Your Content throughout the world in any form, media, software or technology of any kind.  In addition, you waive all moral rights in Your Content or warrant that all moral rights applicable to such content have been waived.  You also grant EBI the right to use Your name in connection with the reproduction or distribution of any of Your Content.  You represent and warrant that none of Your Content or the use of Your Content by EBI: (1) violates this Agreement, including, without limitation, the Privacy Policy; (2) violates this Agreement, the Privacy Policy or any applicable laws, rules or regulations (“Laws”); (3) is libelous, defamatory, obscene, abusive, pornographic, threatening, or an invasion of privacy; (4) constitutes an infringement, misappropriation or violation of the IPR or other rights of any third party; (5) is illegal in any way or advocates illegal activity; (6) is an advertisement or solicitation of funds, goods, or services (unless You have entered into a separate Advertiser Agreement with EBI); (7) is false, misleading or inaccurate; (8) is or could be considered junk mail, spam, a part of a pyramid scheme, a disruptive commercial message or disruptive advertisement; or (9) constitutes the unauthorized practice of medicine, law, therapy or other professional service.  EBI is not responsible or liable for any deletion, correction, destruction, damage, loss or failure to store, restore or back-up any of Your Content.  You agree that You have all right, title, interest and consent in Your Content necessary to allow EBI to Use Your Content as set forth in the rights and licenses You grant to EBI under this Agreement.

8.         Your Services.  Except as otherwise expressly provided herein, You are solely responsible for any Services You offer, provide or make available through the Platform, including as applicable any Expert Services (collectively, “Your Services”).  You agree that none of Your Services will: (1) violate this Agreement, including, without limitation, the Privacy Policy (2) violate any applicable Laws or cause EBI or any other User to violate any applicable Laws, including without limitation any rules of professional conduct or of licensing bodies; or (3) constitute the unauthorized practice of medicine, therapy, law or any other professional service.

9.         Purchases.  In addition to the Content and Services available for no charge through the Platform, You may be offered the opportunity to purchase, subscribe to, or otherwise obtain access to Content, Services, or other products or services through the Platform for an additional fee.  Any purchase or subscription will be subject to any terms and conditions displayed on or through the Platform in connection with the purchase or subscription in addition to the terms of this Agreement.  Unless otherwise indicated on the Platform, purchases or subscriptions made by You through the Platform cannot be exchanged and any fees or charges in connection with those purchases or subscriptions are non-refundable.  All information that You provide in connection with a purchase or other transaction through the Platform will be accurate, complete and current.  You authorize EBI (or a company chosen to act on behalf of EBI) to charge the credit card, debit card, mobile services account, or other payment method provided in connection with any transaction made through Your Account on the Platform and agree to honor all charges incurred in connection with any such transaction.

10.       Termination.  This Agreement may be terminated by either party at any time, in that party’s sole discretion, upon notice to the other party as permitted under this Agreement.  Upon termination or expiration of this Agreement for any reason: (1) all rights and subscriptions granted to You under this Agreement will terminate; (2) You will immediately cease all use of and access to the Platform and all Content and Services (including, without limitation, all Content You obtained prior to termination); (3) You will immediately delete any Applications You have downloaded or installed prior to termination; and (4) EBI may, in its sole discretion, delete Your Account and any of Your Content held by EBI at any time.  Sections 1(Definitions), 8(Purchases), 10(Termination), 13(Ownership), 14(Representations and Warranties), 14 (Disclaimers), 15 (Indemnity), 16 (Limitation on Liability), 18(Data Privacy), 20(Disputes), 20 (Governing Law and Venue), 21 (Notices) and 22(Additional Terms) will survive any expiration or termination of this Agreement.

11.       Suspension.  Without limiting EBI’s right to terminate this Agreement, EBI may also suspend Your access to Your Account and the Platform or any Content or Services (including Your Content), with or without notice to You, upon any actual, threatened or suspected breach of this Agreement or applicable Law or upon any other conduct deemed by EBI, in its sole discretion, to be inappropriate or detrimental to the Platform, Services, EBI, or any other User, Expert or third party.

12.       Platform Technology.  The Platform, and the databases, software, hardware and other technology used by or on behalf of EBI to operate the Platform, and the structure, organization, and underlying data, information and software code thereof (collectively, the “Technology”), constitute valuable trade secrets of EBI.  You will not, and will not permit any third party to: (1) access or attempt to access the Technology except as expressly provided in this Agreement; (2) use the Technology in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Technology; (3) use automated scripts to collect information from or otherwise interact with the Technology; (4) alter, modify, reproduce, create derivative works of the Technology; (5) distribute, sell, resell, lend, loan, lease, license, sublicense or transfer any of Your rights to access or use the Technology or otherwise make the Technology available to any third party; (6) reverse engineer, disassemble, decompile, or otherwise attempt to derive the method of operation of the Technology; (7) attempt to circumvent or overcome any technological protection measures intended to restrict access to any portion of the Technology; (8) monitor the availability, performance or functionality of the Technology; or (9) interfere with the operation or hosting of the Technology.

13.       Ownership.  EBI retains all right, title and interest, including, without limitation, all IPR (as defined below), in and to the Technology and any additions, improvements, updates and modifications thereto.  You receive no ownership interest in or to the Technology and You are not granted any right or license to use the Technology itself, apart from Your ability to access the Platform, Content and Services under this Agreement.  The EBI name, logo and all product and service names associated with the Platform, Content and Services are trademarks of EBI and its licensors and providers and You are granted no right or license to use them.  For purposes of this Agreement, “IPR” means all intellectual property rights, proprietary rights, rights of publicity, rights of privacy, and any and all other legal rights protecting data, information or intangible property throughout the world, including, without limitation, any and all copyrights, trademarks, service marks, trade secrets, patent rights, moral rights, sui generis rights in databases, and contract rights.

14.       Representations and Warranties.

14.1        Mutual.  Each party hereby represents and warrants to the other party that: (a) it has the legal right and authority to enter into this Agreement; (b) this Agreement forms a binding legal obligation on behalf of such party; and (c) it has the legal right and authority to perform its obligations under this Agreement and to grant the rights and licenses described in this Agreement.

14.2     Compliance With Laws.  You acknowledge that the Platform is a general purpose online service and is not specifically designed to facilitate compliance with any specific Law.  You acknowledge that You will access and use the Platform in compliance with all Laws applicable to You, Your Content and any other Platform Content You may access through the Platform.  EBI is not responsible for notifying You of any such Law, enabling Your compliance with any such Law, or for Your failure to comply.  You represent and warrant to EBI that Your Content, Your Services, and Your use of and access to the Platform, includingany Platform Content, will comply with all applicable Laws and will not cause EBI itself or any other User or Expert to violate any applicable Laws, including, without limitation, the Health Insurance Portability and Accountability Act of 1996 or the Health Information Technology for Economic and Clinical Health (HITECH) Act (enacted as part of the American Recovery and Reinvestment Act of 2009).

15.       Disclaimers. 

15.1        No Professional Advice.  The Platform does not provide medical, legal, FINANCIAL or other professional advice and is not intended to be a substitute for medical, legal, FINANCIAL or other professional advice, diagnosis, treatment or recommendations.  All Content made available to You through the Platform, including, without limitation, Content provided by EBI, any Experts or other Users, or any other source, is for informational purposes AND general guidance only.  your use of The services and any interactions you may have with EBI or any other Expert, user or third party through the platform do not create a professional relationship and do not create any privacy interests other than those described in the Privacy Policy.  You should always seek the advice of a qualified medical, LEGAL, FINANCIAL OR OTHER professional SERVICE PROVIDER with any questions You may have regarding your individual needs or any APPLICABLE condition YOU MAY EXPERIENCE.  Never disregard medical, LEGAL, FINANCIAL or OTHER professional advice (or delay in seeking it) because of any Content You have obtainED through the Platform.  Neither EBI nor any Expert or other User recommends or endorses any content or any specific tests, PROFESSIONALS, products, SERVICES, procedures, opinions or RECOMMENDATIONS that may be included on the Platform.  Your reliance on any Content appearing on the Platform is solely at your own risk.

15.2        No Additional Warranties.  THE PLATFORM, CONTENT and SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”  EBIand its providers do not warrant or guarantee the accuracy, completeness, adequacy or currency of THE PLATFORM OR any Content or services and do not endorse the views or opinions that may be expressed in the PLATFORM Content or other data, information OR CONTENT THAT MAY BE provided through the PLATFORM.  EBI AND ITS providers EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO the PLATFORM, CONTENT, SERVICES and other SUBJECT MATTER OF THIS AGREEMENT, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, title or non-infringement.  NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY EBI, ITS EMPLOYEES, PROVIDERS OR AGENTS WILL INCREASE THE SCOPE OF, OR CREATE ANY NEW WARRANTIES IN ADDITION TO, THE WARRANTIES expressly SET FORTH IN THIS SECTION.

16.       Indemnity.  You hereby agree to indemnify, defend, and hold harmless EBI and its officers, directors, shareholders, affiliates, employees, agents, contractors, assigns, users, Experts, customers, providers, licensees, and successors in interest (“Indemnified Parties”) from any and all claims, losses, liabilities, damages, fees, expenses and costs (including attorneys' fees, court costs, damage awards, and settlement amounts) that result from any claim or allegation against any Indemnified Party arising in any manner from: (1) Your access to or use of the Platform or any Content, or Services; (2) Your Content or any access to or use thereof; (3) Your Services or any access to or use thereof; (4) any access to or use of Your Content or Your Services by any Users or Experts; (5) Your collection, use and disclosure of any User Information, and (6) Your breach of any representation, warranty, or other provision of this Agreement.  EBI will provide You with notice of any such claim or allegation, and EBI will have the right to participate in the defense of any such claim at its expense.

17.       Limitation on Liability.  EBI will not BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED, UNDER ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE), ARISING IN CONNECTION WITH OR OUT OF THE USE OF THE PLATFORM, CONTENT OR SERVICES, EVEN IF EBI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF YOUR CONTENT, OPPORTUNITY, REVENUES, PROFITS OR REPUTATION, BUSINESS INTERRUPTION, OR PROCUREMENT OF SUBSTITUTE CONTENT, GOODS OR SERVICES.  EBI’s TOTAL CUMULATIVE LIABILITY IN CONNECTION WITH THIS AGREEMENT AND all CONTENT AND SERVICES provided under this agreement OR THROUGH THE PLATFORM, WHETHER IN CONTRACT OR TORT OR OTHERWISE, WILL NOT EXCEED $10 or, in the case of any purchases you make through the platform, the amounts paid by you to EBI for those purchases.  You agree THAT EBI WOULD NOT ENTER INTO THIS AGREEMENT WITHOUT THESE LIMITATIONS ON ITS LIABILITY.  IN JURISDICTIONS WHERE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES IS NOT PERMITTED, EBI’s LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

18.       Data Privacy.  You expressly consent to the use and disclosure of your personally identifiable information and other data and information as described in the Privacy Policy.  Notwithstanding anything in the Privacy Policy, EBI will have the right to collect, extract, compile, synthesize, and analyze non-personally identifiable data or information (data or information that does not identify an entity or natural person as the source thereof) resulting from Your access to and use of the Platform, Services or Content.  To the extent any such non-personally identifiable data or information is collected or generated by EBI, the data and information will be solely owned by EBI and may be used by EBI for any lawful business purpose without a duty of accounting to You, provided that the data and information is used only in an aggregated form, without directly identifying You or any other entity or natural person as the source thereof.

19.       Claims of Infringement.  EBI respects Your copyrights and other intellectual property rights and those of other third parties.  If You believe in good faith that Your copyrighted work has been reproduced on the Platform without Your authorization in a way that constitutes copyright infringement, You may notify our designated copyright agent by mail to:

ExpertBeacon, Inc.

Attn: ExpertBeacon Copyright Agent

2 West Dry Creek Circle

Littleton, CO 80120

Please provide the following information to EBI’s Copyright Infringement Agent: (1) the identity of the infringed work, and of the allegedly infringing work; (2) Your name, address, daytime phone number, and email address, if available; (3) a statement that You have a good-faith belief that the use of the copyrighted work is not authorized by the owner, his or her agent, or the law; (4) a statement that the information in the notification is accurate and, under penalty of perjury, that You are authorized to act on behalf of the owner; and (5) Your electronic or physical signature.

20.       Disputes.  Except as otherwise provided below, the parties will attempt to resolve all disputes, controversies, or claims arising under, out of, or relating to this Agreement, including the formation, validity, binding effect, interpretation, performance, breach or termination, of this Agreement and the arbitrability of the issues submitted to arbitration hereunder and non-contractual claims relating to this Agreement (each, a “Dispute”), in accordance with the procedures set forth in this Section.  If any Dispute cannot be resolved through negotiations between the parties within 5 days of notice from one party to the other of the Dispute, such Dispute will be finally settled through binding arbitration under the arbitration of the American Arbitration Association (“AAA”) then in effect (the “Rules”).  Either party may commence the arbitration by delivering a request for arbitration as specified in the Rules.  The arbitration will be conducted before a sole neutral arbitrator selected by agreement of the parties.  If the parties cannot agree on the appointment of a single arbitrator within 30 days (the “Initial Period”) after either party to this Agreement delivers a request for arbitration, a neutral arbitrator will be selected as provided in the Rules.  The arbitration will be conducted exclusively in the English language at a site specified by EBI in Denver, Colorado U.S.A.  The award of the arbitrator will be the exclusive remedy of the parties for all claims, counterclaims, issues or accountings presented or plead to the arbitrator.  The award of the arbitrators will require payment of the costs, fees and expenses incurred by the prevailing party in any such arbitration by the non-prevailing party.  Judgment upon the award may be entered in any court or governmental body having jurisdiction thereof.  Any additional costs, fees or expenses incurred in enforcing the award may be charged against the party that resists its enforcement.

21.       Governing Law and Venue.  The interpretation of the rights and obligations of the parties under this Agreement, including, to the extent applicable, any negotiations, arbitrations or other proceedings hereunder, will be governed in all respects exclusively by the laws of the State of Colorado, U.S.A. as such laws apply to contracts between Colorado residents performed entirely within Colorado without regard to the conflict of laws provisions thereof.  Subject to Section 19 (Disputes), each party will bring any action or proceeding arising from or relating to this Agreement exclusively in a federal court in the District of Colorado, U.S.A. or in state court in Denver, Colorado U.S.A., and You irrevocably submit to the personal jurisdiction and venue of any such courts in any such action or proceeding brought in such courts by EBI.

22.       Notices.  Unless otherwise specified in this Agreement, any notices required or allowed under this Agreement will be provided to EBI by postal mail to the address for EBI listed on the Platform.  EBI may provide You with any notices required or allowed under this Agreement by sending You an email to any email address You provide to EBI in connection with Your Account, provided that in the case of any notice applicable both to You and other Users of the Platform, EBI may instead provide such notice by posting on the Platform.  Notices provided to EBI will be deemed given when actually received by EBI.  Notice provided to You will be deemed given 24 hours after posting to the Platform or sending via e-mail, unless (as to e-mail) the sending party is notified that the e-mail address is invalid.

23.       Linked Sites.  The Platform and Services may contain links to third-party sites or Content that are not under the control of EBI.  If you access a third-party site or Content from the Platform or Services, then you do so at your own risk and EBI is not responsible for any content on any linked site or content.  You may establish a link to the Site, provided that the link does not state or imply any sponsorship or endorsement of Your site by EBI or any group or individual affiliated with EBI.  You may not use on your site any Platform Content or marks appearing on the Site or Platform in establishing the link.  You may not frame or otherwise incorporate into another site the content or other materials on the Platform without prior written consent.

24.       Additional Terms.  Unless otherwise amended as provided herein, this Agreement will exclusively govern Your access to and use of the Platform, Content and Services, and is the complete and exclusive understanding and agreement between the parties, and supersedes any oral or written proposal, agreement or other communication between the parties, regarding Your access to and use of the Platform, Content and Services.  Except as expressly set forth in this Agreement, this Agreement may be amended or modified only by a writing signed by both parties.  All waivers by EBI under this Agreement must be in writing or later acknowledged by EBI in writing.  Any waiver or failure by EBI to enforce any provision of this Agreement on one occasion will not be deemed a waiver by EBI of any other provision or of such provision on any other occasion.  If any provision of this Agreement is held to be unenforceable, that provision will be removed to the extent necessary to comply with the law, replaced by a provision that most closely approximates the original intent and economic effect of the original to the extent consistent with the law, and the remaining provisions will remain in full force.  The prevailing party in any lawsuit or proceeding arising from or related to this Agreement will be entitled to receive its costs, expert witness fees and reasonable attorneys’ fees, including costs and fees on appeal.  Neither this Agreement nor any rights or obligations of You hereunder may be assigned or transferred by You (in whole or in part and including by sale, merger, consolidation, or other operation of law) without the prior written approval of EBI.  Any assignment in violation of the foregoing will be null and void.  EBI may assign this Agreement to any party that assumes EBI’s obligations hereunder.  The parties hereto are independent parties, not agents, employees or employers of the other or joint venturers, and neither acquires hereunder any right or ability to bind or enter into any obligation on behalf of the other.  The Platform, Content or Services may contain links to third-party sites that are not under the control of EBI.  EBI is not responsible for any content on any linked site and You access any third-party site from the Platform, Content or Services at Your own risk.  Any reference herein to “including” will mean “including, without limitation.”  Upon request from EBI, You agree to provide EBI with such documentation or records with respect to Your activities under this Agreement as may be reasonably requested for EBI to verify Your compliance with the terms of this Agreement and all applicable Laws.