Last revised on April 15, 2015

    Welcome to FlipStamp, operated by FlipStamp Inc. (the “Company”, "We", "Us", or “FlipStamp”). By accessing the FlipStamp application or its website found at, on a mobile device, mobile application, or computer (collectively, the “Service”) the user (”You") agree to be bound by these Terms of Use (this “Agreement”), whether you create a FlipStamp account or not. If you want to create a FlipStamp account and make use of the Service, please read these Terms of Use. In addition to this Agreement you should read the FlipStamp Privacy Policy,, and the FlipStamp FAQ, The FlipStamp Privacy Policy, is incorporated by reference into this Agreement and available for the Service. If you do not accept and agree to be bound by all of the terms of this Agreement, including the FlipStamp Privacy Policy, do not use the Service. Please contact us with any questions regarding this Agreement. 1. Acceptance of Terms of Use Agreement. a. This Agreement is an electronic contract that establishes the legally binding terms you must accept to use the Service. This Agreement includes the Company’s (i) Privacy Policy, (ii) our Safety Guide and (iii) terms disclosed and agreed to by you if you accept additional features, products or services we offer on the Service. b. By accessing or using the Service, you accept this Agreement and agree to the terms, conditions and notices contained or referenced herein and consent to have this Agreement and all notices provided to you in electronic form. To withdraw this consent, you must cease using the Service and terminate your account. You may print a copy of this Agreement for your records. To receive a non-electronic copy of this Agreement, please contact us at [email protected] This Agreement may be modified by the Company periodically, such modifications are effective upon posting by the Company in the Service and will be reflected by the 'Last Revised' notification at the top. 2. Eligibility. No piece, part, or function of FlipStamp is directed to persons under the age of 17. You must be at least 17 years of age to access and use the Service. Any use of the Service is void where prohibited. By accessing and using the Service, you represent and warrant that you have the right, authority and capacity to enter into this Agreement and to abide by all of the terms and conditions of this Agreement. If you create an account, you represent and warrant that you have never been convicted of a felony and that you are not required to register as a sex offender with any government entity. Using the Service may be prohibited or restricted in certain countries. If you use the Service from outside of the United States, you are responsible for complying with the laws and regulations of the territory from which you access or use the Service. 3. Creating an Account. In order to use FlipStamp, you must sign in using your Facebook login. If you do so, you authorize us to access and use certain Facebook account information, including but not limited to your public Facebook profile and photos. For more information regarding the information we collect from you and how we use it, please review our Privacy Policy. 4. Term and Termination. This Agreement will remain in place and in full effect while you use the Service and/or have a FlipStamp account. You may disable or delete your account at any time, for any reason, by navigating to the "Settings" section of the service. The Company may terminate or suspend your account at any time without notice if the Company believes that you have breached this Agreement, or for any other reason, with or without cause, in its sole discretion. Upon such termination or suspension, you will not be entitled to any refund of unused fees for in app purchases. The Company is not required to disclose, and may be prohibited by law from disclosing, the reason for the termination or suspension of your account. After your account is terminated for any reason, all terms of this Agreement survive such termination, and continue in full force and effect, except for any terms that by their nature expire or are fully satisfied. 5. Non-commercial Use by Users. The Service is for personal use only. Users may not use the Service or any content contained in the Service (including, but not limited to, content of other users, designs, text, graphics, images, video, information, logos, software, audio files and computer code) in connection with any commercial endeavors, such as (i) advertising or soliciting any user to buy or sell any products or services not offered by the Company or (ii) soliciting others to attend "Events" for commercial purposes except where explicitly granted permission by the Company. Users of the Service may not use any information obtained from the Service to contact, advertise to, solicit, or sell to any other user without his or her prior explicit consent. Organizations, companies, and/or businesses may not use the Service for any purpose. The Company may investigate and take any available legal action in response to illegal and/or unauthorized uses of the Service, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email and unauthorized framing of or linking to the Service. 6. Account Security. You are responsible for maintaining the confidentiality of the username and password you designate during the registration process, and you are solely responsible for all activities that occur under your username and password. Since FlipStamp utilizes your Facebook account as the authorizing authority, any breach of your Facebook user name or password constitutes a breach of security to your FlipStamp account. You agree to immediately notify the Company of any disclosure or unauthorized use of your username or password or any other breach of security at [email protected] 7. Your Interactions with Other Users. a. YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS WITH OTHER USERS. YOU UNDERSTAND THAT THE COMPANY DOES NOT CONDUCT CRIMINAL BACKGROUND CHECKS OR SCREENINGS OF ITS USERS. THE COMPANY ADDITIONALLY DOES NOT INQUIRE INTO THE BACKGROUNDS OF ALL OF ITS USERS, OR ATTEMPT TO VERIFY THE VALIDITY OF THE STATEMENTS OF ITS USERS. THE COMPANY MAKES NO REPRESENTATIONS, CLAIMS, OR WARRANTIES AS TO THE CONDUCT OF USERS OR THEIR COMPATIBILITY WITH ANY USERS. THE COMPANY RESERVES THE RIGHT TO CONDUCT ANY CRIMINAL BACKGROUND CHECK OR OTHER SCREENINGS, AT ANY TIME USING AVAILABLE PUBLIC RECORDS. b. The Company is not responsible for the conduct of any user. As noted in and without limiting Sections 15 and 17 below, in no event shall the Company, its affiliates or its partners be liable (directly or indirectly) for any losses or damages whatsoever, whether direct, indirect, general, special, compensatory, consequential, and/or incidental, arising out of or relating to the conduct of you or anyone else in connection with the use of the Service including, without limitation, death, bodily injury, emotional distress, and/or any other damages resulting from communications or meetings with other users or persons you meet through the Service. You agree to take all necessary precautions in all interactions with other users, particularly if you decide to meet in person, attend an event, or communicate outside of the application. In addition, you agree to review and follow the Company's Safety Guidelines located in the Service, prior to using the Service. You understand that the Company makes no guarantees, either express or implied, regarding your ultimate compatibility with individuals you meet through the Service. FlipStamp never condones the exchange of money between the Company's users. You should not provide your financial information (for example, your credit card or bank account information), or wire or otherwise send money, to other users. 8. Proprietary Rights. The Company owns and retains all proprietary rights in the Service, and in all content, trademarks, trade names, service marks and other intellectual property rights related thereto. The Service contains the copyrighted material, trademarks, and other proprietary information of the Company and its licensors. You agree to not copy, modify, transmit, create any derivative works from, make use of, or reproduce in any way any copyrighted material, trademarks, trade names, service marks, or other intellectual property or proprietary information accessible through the Service, without first obtaining the prior written consent of the Company or, if such property is not owned by the Company, the owner of such intellectual property or proprietary rights. You agree to not remove, obscure or otherwise alter any proprietary notices appearing on any content, including copyright, trademark and other intellectual property notices. 9. Content Posted by You in the Service. a. You are solely responsible for the content and information that you post, upload, publish, link to, transmit, record, display or otherwise make available (hereinafter, “post”) on the Service or transmit to other users, including text messages, group chat, chat, videos (including streaming videos), photographs, event information, event location, or profile text, whether publicly posted or privately transmitted (collectively, “Content”). In relation to the Service you may not in any way post, transmit, or send (either on or off the Service), any offensive, inaccurate, incomplete, abusive, obscene, profane, threatening, intimidating, harassing, racially offensive, or illegal material, or any material that infringes or violates another person’s rights (including intellectual property rights, and rights of privacy and publicity). You represent and warrant that (i) all information that you submit upon creation of your account, including information submitted from your Facebook account, is accurate and truthful and that you will promptly update any information provided by you that subsequently becomes inaccurate, incomplete, misleading or false and (ii) you have the right to post the Content on the Service and grant the licenses set forth below. b. You understand and agree that the Company may, but is not obligated to, monitor or review any Content you post in the Service. The Company may delete any Content, in whole or in part, for any reason, that in the sole discretion and judgment of the Company violates this Agreement or may harm the reputation of the Service or the Company. c. By posting Content as part of the Service, you automatically grant the Company, its affiliates, licensees and successors, an irrevocable, perpetual, non- exclusive, transferable, sub-licensable, fully paid, global right and license to (i) use, copy, store, perform, display, reproduce, record, play, adapt, modify and distribute the Content, (ii) prepare derivative works of the Content or incorporate the Content into other works, and (iii) grant and authorize sublicenses of the foregoing in any form of media or henceforth created. You represent and warrant that any posting and use of your Content by the Company will not, and cannot infringe or violate the rights of any third party. d. In addition to the types of Content described in Section 9(a) above, the following is a partial list of Content that is prohibited in the Service. You may not post, upload, transmit, display, or otherwise make available in anyway Content that: • promotes racism, bigotry, hatred or physical harm of any kind against any group or individual; • advocates the harassment or intimidation of another user, person, or group; • requests money from, or is intended to otherwise defraud, other users of the Service or individuals; • involves the transmission of “spamming”, “phishing”, “trolling”, obscenity, or similar activities; • promotes information that is false or misleading, or promotes illegal activities or conduct that is defamatory, libelous or otherwise objectionable; • promotes an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated software links or hosting services, providing information to circumvent manufacture installed copy-protect devices, or providing pirated; images, audio, video, or links to pirated images, audio, or video files; • contains video, audio, or images of another person without his or her permission (or in the case of a minor, the minor’s legal guardian); • is behind a "paywall", contains restricted or password only access pages, or hidden pages or images (those not linked to or from another publicly accessible page); • provides material that exploits people in a sexual, violent or other illegal manner, or solicits personal information from anyone under the age of 18; • provides instructional information about illegal activities such as making or buying illegal weapons or drugs, creating a prohibited weapon, violating someone’s privacy, or providing, disseminating, or creating computer viruses; • contains viruses, trojan horses, worms, malicious code, or other harmful, or disruptive codes, components or devices; • impersonates, or otherwise misrepresents affiliation, connection, or association with, any person or entity that is not you; • provides information or data you do not have a right to make available under legal, contractual, or fiduciary relationship (such as insider, proprietary, and confidential information); • disrupts the normal flow of conversation, causes a screen to “scroll” faster than an average users ability to type, or otherwise negatively affects other users’ ability to engage in real time exchanges, discussions, and chats; • solicits passwords or personal identifying information for commercial or unlawful purposes from other users or disseminates another person’s personal information without his or her permission; and • publicizes or promotes commercial activities, events, and/or sales without the Company's prior written consent such as contests, promotional activities, sweepstakes, barter, advertising, and pyramid schemes. The Company reserves the right, in its sole discretion, to investigate and take any legal action against anyone who violates this provision, including removing the offending communication from the Service and terminating or suspending the account of such violators. e. Your use of the Service, including all Content you Post through the Service, must comply with all applicable laws and regulations. You agree that the Company may access, preserve and disclose your account information and Content if required to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably necessary, such as to: (i) comply with legal process; (ii) enforce this Agreement; (iii) respond to claims that any Content violates the rights of third parties; (iv) respond to your requests for customer service or allow you to use the Service in the future; or (v) protect the rights, property, or personal safety of the Company, of you, or any other person. f. You agree that any Content you place on the Service may be viewed by other users and may be viewed by any person visiting or participating in the Service. 10. Prohibited Activities. The Company reserves the right to investigate, suspend and/or terminate your account if you have misused the Service or behaved in a way the Company regards as inappropriate or unlawful, including actions or communications that occur off the Service but involve users you meet through the Service. The following is a partial list of the type of actions that you are restricted from engaging in with respect to the Service. You will not: o impersonate any person, group, or entity. o solicit money, credit, or tradable goods from any users. o post any Content that is prohibited by Section 9. o “stalk”, intimidate, or otherwise harass any person. o express or imply that any statement you make is endorsed by the Company without the Company's specific prior written consent. o use the Service in an illegal manner or to commit an illegal act; o access the Service in a jurisdiction or country in which it is illegal or unauthorized; o ask or use other users to conceal the identity, source, or destination of money or products. o use any robot, bot, spider, or other manual or automatic device or process to retrieve, index, “data mine”, or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents. o collect usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email. o interfere with or disrupt the Service or the servers or networks connected to the Service. o email or otherwise transmit any material that contains software viruses or any other computer code, files, or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware, or telecommunications equipment. o “frame” or “mirror” any part of the Service, without the Company's prior written consent. o modify, adapt, sublicense, translate, sell, reverse engineer, decipher, decompile, or otherwise disassemble any portion of the Service any software used on or for the Service, or cause others to do so. o post, use, transmit or distribute, directly or indirectly, (e.g. screen scrape), in any manner, media, content or information obtained from the Service other than solely in connection with your use of the Service in accordance with this Agreement. 11. Customer Service. The Company provides assistance and guidance through customer service representatives. When communicating with our customer service representatives, you agree to not be abusive, obscene, profane, offensive, sexist, threatening, harassing, racially offensive, or to not otherwise behave inappropriately. If we feel that your behavior towards any of our representatives or other employees is at any time in the manner described above, we reserve the right to immediately terminate your account. 12. In App Purchases. FlipStamp currently has no plans to offer any services for purchase in the various application store fronts. 13. Modifications to Service. The Company reserves the right at any time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that the Company shall not be liable to you or to any third party for any modification, suspension, or discontinuation of the Service. To protect the Service, the Company reserves the right at any time in its sole discretion to block users or requests from certain internet protocol addresses from accessing the Service. 14. Copyright Policy; Notice and Procedure for Making Claims of Copyright Infringement. You may not post, distribute, or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining the prior written consent of the owner of such proprietary rights. Without limiting the foregoing, if you believe that your work has been infringed upon, copied, or, posted on the Service in a way that constitutes copyright infringement, please provide us with the following information: o an electronic or physical signature of the person authorized to act on behalf of the owner of the copyrighted material; o a description of the copyrighted work that you claim has been infringed; o a description of where the material that you claim has been infringed is located on the Service (and such description must be reasonably sufficient to enable the Company to find the alleged infringing material) o your address, telephone number, and email address; o a written statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent(s), or the law; and o 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 are authorized to act on the copyright owner's behalf. Notice of claims of copyright infringement should be provided to the Company’s webmaster at [email protected] The Company reserves the right to and will terminate the accounts of repeat infringers. 15. Disclaimers. a. You acknowledge and agree that neither the Company nor its affiliates and third party partners are responsible for and shall not have any liability, directly or indirectly, for any loss or damage, including personal injury or death, as a result of or alleged to be the result of (i) any incorrect or inaccurate Content posted in the Service, whether caused by users or any of the equipment or programming associated with or utilized in the Service; (ii) the timeliness, deletion or removal, incorrect delivery or failure to store any Content, communications or personalization settings; (iii) the conduct, actions, or behavior, whether online or offline, of any user; (iv) any error, omission or defect in, interruption, deletion, alteration, delay in operation or transmission, theft or destruction of, or unauthorized access to, any user or user communications; (v) any problems, failure or technical malfunction of any networks or lines, computer systems, servers or providers, computer equipment, software, traffic congestion on the Internet; or (vi) any problems related to or resulting from participating or downloading materials in connection with the Internet and/or in connection with the Service. TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, THE COMPANY PROVIDES THE SERVICE ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICE (INCLUDING ALL CONTENT CONTAINED THEREIN), INCLUDING (WITHOUT LIMITATION) ANY IMPLIED WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. THE COMPANY DOES NOT REPRESENT OR WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE, SECURE OR THAT ANY DEFECTS OR ERRORS IN THE SERVICE WILL BE CORRECTED. b. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND CAUSES OF ACTION WITH RESPECT TO ANY DAMAGE TO YOUR DEVICE, COMPUTER SYSTEM, INTERNET ACCESS, DOWNLOAD OR DISPLAY DEVICE, OR LOSS OR CORRUPTION OF DATA THAT RESULTS OR MAY RESULT FROM THE DOWNLOAD OF ANY SUCH MATERIAL. IF YOU DO NOT ACCEPT THIS LIMITATION OF LIABILITY, YOU ARE NOT AUTHORIZED TO DOWNLOAD OR OBTAIN ANY MATERIAL THROUGH THE SERVICE. c. From time to time, the Company may make third party opinions, advice, statements, offers, or other third party information or content available through the Service. All third party content is the responsibility of the respective authors thereof and should not necessarily be relied upon. Such third party authors are solely responsible for such content. THE COMPANY DOES NOT: (I) GUARANTEE THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY THIRD PARTY CONTENT PROVIDED THROUGH THE SERVICE, OR (II) ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY THAT APPEARS IN THE SERVICE. UNDER NO CIRCUMSTANCES WILL THE COMPANY OR ITS AFFILIATES BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE RESULTING FROM YOUR RELIANCE ON INFORMATION OR OTHER CONTENT POSTED IN THE SERVICE, OR TRANSMITTED TO OR BY ANY USERS. d. In addition to the preceding paragraph and other provisions of the Agreement, any advice that may be posted in the Service is for informational and entertainment purposes only and is not intended to replace or substitute for any professional financial, medical, legal, or other advice. The Company makes no representations or warranties and expressly disclaims any and all liability concerning any treatment, action by, or effect on any person following the information offered or provided within or through the Service. If you have specific concerns or a situation arises in which you require professional or medical advice, you should consult with an appropriately trained and qualified specialist. 16. Links. The Service may contain and third parties may contain or provide, advertisements and promotions offered by third parties and links to other web sites or resources. You acknowledge and agree that the Company is not responsible for the availability of such external websites or resources, and does not endorse and is not responsible or liable for any content, information, statements, advertising, goods or services, or other materials on or available from such websites or resources. Your correspondence or business dealings with, or participation in promotions of, third parties found in or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of, or reliance upon, any such content, information, statements, advertising, goods or services or other materials available on or through any such website or resource. 17. Limitation on Liability. TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, BUSINESS PARTNERS, LICENSORS OR SERVICE PROVIDERS BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY INDIRECT, RELIANCE, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OF GOODWILL, DAMAGES FOR LOSS, CORRUPTION OR BREACHES OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE COMPANY'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO THE COMPANY FOR THE SERVICE WHILE YOU HAVE AN ACCOUNT. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO USE OF THE SERVICE OR THE TERMS OF THIS AGREEMENT MUST BE FILED WITHIN ONE YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED. 18. Arbitration and Governing Law.The exclusive means of resolving any dispute or claim arising out of or relating to this Agreement (including any alleged breach thereof) or the Service shall be BINDING ARBITRATION administered by the American Arbitration Association. The one exception to the exclusivity of arbitration is that you have the right to bring an individual claim against the Company in a small-claims court of competent jurisdiction. But whether you choose arbitration or small-claims court, you may not under any circumstances commence or maintain against the Company any class action, class arbitration, or other representative action or proceeding. a. By using the Service in any manner, you agree to the above arbitration agreement. In doing so, YOU GIVE UP YOUR RIGHT TO GO TO COURT to assert or defend any claims between you and the Company (except for matters that may be taken to small-claims court). YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR OTHER CLASS PROCEEDING. Your rights will be determined by a NEUTRAL ARBITRATOR, NOT A JUDGE OR JURY. You are entitled to a fair hearing before the arbitrator. The arbitrator can grant any relief that a court can, but you should note that arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. For details on the arbitration process, see Arbitration Procedures. b. Any proceeding to enforce this arbitration agreement, including any proceeding to confirm, modify, or vacate an arbitration award, may be commenced in any court of competent jurisdiction. In the event that this arbitration agreement is for any reason held to be unenforceable, any litigation against the Company (except for small-claims court actions) may be commenced only in the federal or state courts located in San Diego, California. You hereby irrevocably consent to the jurisdiction of those courts for such purposes. c. This Agreement, and any dispute between you and the Company, shall be governed by the laws of the state of California without regard to principles of conflicts of law, provided that this arbitration agreement shall be governed by the Federal Arbitration Act. 19. Indemnity by You. You agree to indemnify and hold the Company, its subsidiaries, and affiliates, and its and their officers, agents, partners and employees, harmless from any loss, liability, claim, or demand, including reasonable attorney's fees, made by any third party due to or arising out of your breach of or failure to comply with this Agreement (including any breach of your representations and warranties contained herein), any postings or Content you post in the Service, and the violation of any law or regulation by you. The Company reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with the Company in connection therewith. 20. Notice. The Company may provide you with notices, including those regarding changes to this Agreement, using any reasonable means now known or hereafter developed, including by email, regular mail, SMS, MMS, text message or postings in the Service. Such notices may not be received if you violate this Agreement by accessing the Service in an unauthorized manner. You agree that you are deemed to have received any and all notices that would have been delivered had you accessed the Service in an authorized manner. 21. Entire Agreement; Other. This Agreement, with the Privacy Policy and any specific guidelines or rules that are separately posted for particular services or offers in the Service, contains the entire agreement between you and the Company regarding the use of the Service. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. The failure of the Company to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. You agree that your online account is non-transferable and all of your rights to your profile or contents within your account terminate upon your death. No agency, partnership, joint venture or employment is created as a result of this Agreement and you may not make any representations or bind the Company in any manner. 22. Amendment. This Agreement is subject to change by the Company at any time.