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Please review the complete coverage terms listed below.

Pay special attention to the following coverage exclusions and conditions:

Coverage Terms and Conditions

Terms

Coverage

Covers freight from all risks of physical loss or damage from an external cause (subject to exclusions) while in transit. Shipments must originate from the United States of America and/or Canada and must be sent via Federal Express (FedEx), United Parcel Service (UPS), or the United States Postal Service (USPS). Coverage is for outbound shipments and is package-by-package, only.

If you reside in the state of California, you acknowledge that the insurance coverage is provided by certain Underwriters at Lloyds. Lloyds of London is a non-admitted insurer.

If you are shipping using the United States Postal Service, make sure to follow the USPS International Mail Manual rules located here: http://pe.usps.com/text/imm/welcome.htm. If you ship a prohibited item, there is NO COVERAGE

All provided information regarding shipments that require coverage must be correct and complete. If incorrect details are provided when insuring a package there will be no coverage. For example: If a package is submitted for insurance and declared as a USPS First Class mail shipment but actually sent via the USPS Priority Mail service, or any other service or carrier, there is no coverage. In order for a package to be covered, the shipping carrier must have verified acceptance of your package for mailing. This is found on the respective tracking websites of the shipping carriers. If a shipping label is printed but not scanned by the carrier as accepted it is deemed as never been mailed and there is no coverage.

Coverage Limits

This insurance covers up to $2,500.00 per package for non USPS First-Class mail shipments and $999.99 for USPS First-Class mail

Definitions

("SHIPSURANCE"): The insurance agent Shipsurance Insurance Services
("INS"): The insurance company Underwriters at Lloyds
("Insured"): The insured ShipSaver Insurance users
("Shipping Carrier"): The company that is transporting the shipments covered by this Certificate.
("Total Insured Value") or ("TIV"): The total value of the item(s) declared for insurance coverage. Includes the Shipping Carrier provided coverage, if any.

Exclusions

The following is a list of exclusions this Certificate does not cover:

A. Excluded Items

Accounts, bills, currency, cash in transit, evidence of debt, checks, money orders, COD payments, coins (collectible coins are not excluded), securities and other negotiable papers, tickets, deeds, notes, gift cards, manuscripts, documents, neon items, hazardous material (per UPS Hazardous Materials List), LCD, LED, OLED and similar monitors or screens, televisions (including LCD,LED, OLED, plasma, CRT, projection, and similar), perishable cargo or similar property, eggs, any stone or ceramic slabs, automobiles, motorcycles, live animals, flowers, plants, seeds, cigarettes/cigars, cotton, guns (guns more than 100 years old are not excluded), tobacco, windows, plate glass, stained glass, float glass, laptop computers (including tablet computers, iPads, and similar), and mobile telephones (including cell phones, smart phones, messaging phones, iPhones, android phones, blackberry phones, and similar). back to top

Note, the following items are excluded as well:

LCD monitors or screens, televisions (including LCD, plasma, CRT, projection, and similar),laptop computers (including tablet computers, iPads, and similar), and mobile telephones (including cell phones, smart phones, messaging phones, iPhones, android phones, blackberry phones, and similar) are NOT covered! back to top

B.Excluded countries

The following countries are NOT covered by this insurance! Shipments sent to Afghanistan, Angola, Bolivia, Brazil, Burma, Congo, Cuba, Iran, Iraq, Ivory Coast (Cote d'Ivoire), Liberia, Mexico (Truck/rail shipments to and within other than as a connecting conveyance), Nigeria, North Korea, Paraguay, Russia, Russian Federation, Sierra Leone, Somalia, Sudan, Syria, Venezuela. Any location that would be in violation of any U.S. economic or trade sanctions including OFAC Restricted Countries. For shipments to Commonwealth of Independent States countries (includes Armenia, Azerbaijan, Belarus, Georgia, Kazakhstan, Kyrgyzstan, Moldova, Tajikistan, Turkmenistan, Ukraine, and Uzbekistan) coverage ceases upon touchdown of the aircraft at the airport of destination or upon discharge from the overseas vessel at the destination discharge port. Coverage is NOT AVAILABLE to Russia or the Russian Federation. (This list is subject to change.) back to top

C. Shipment Confirmation

Shipments that require a signature confirmation or signature required service that are not sent using the required signature service are excluded from coverage.

  1. Signature requirements (if required by SHIPSURANCE) are listed in the Covered Carriers and Limits of Coverage section and the Certificate Conditions section of this certificate.
    1. The limits are for the TIV. The TIV does not change if a claim if for shortage or repairable damage.
  2. Signature confirmation and signature required are services that are offered by the Shipping Carriers, often at an additional expense to their core shipping service.

D. Loss/Damage

  1. Loss, damage, shortage, or non-arrival of any parcel and its contents which is addressed incorrectly or packed insufficiently to withstand the normal rigors of transit.
  2. Loss, damage, shortage, or non-arrival of any parcel and its contents when it bears a descriptive label or packaging which describes, or alludes to, the nature of the contents. This includes shipments sent in the manufacturers packaging. International shipments that contain customs declarations are NOT excluded from coverage.
  3. Loss, damage, shortage, or non-arrival of any parcel and its contents when it is obtained by trick, false pretense, or other fraudulent schemes.
  4. Loss, damage, shortage arising out of loss of market, delay, loss of use, clean up costs, decay, inherent vise, changes in temperature or humidity, or other deterioration, any remote or consequential loss, whether or not arising out of a peril insured against.

E. War Exclusion / Atomic and Nuclear Exclusion:

  1. In no case shall this insurance cover loss damage or expense caused by (i)War, civil war, revolution, rebellion, insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power. (ii) Capture, seizure, arrest, restraint or detainment (piracy excepted), and the consequences thereof or any attempt thereat. (iii) Derelict mines, torpedoes, bombs, or other derelict weapons of war. In no case shall this insurance cover loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

F. Mechanical and Electrical Derangement.

  1. Loss of or damage due to mechanical, electrical, or electronic derangement unless there is evidence of external damage to the insured item or its packaging. Data files and installed computer programs are not covered for erasure, corruption, or loss.

G. AIMU Extended Radioactive Contamination Exclusion clause.

H. AIMU Chemical, Biological, Bio-Chemical, Electromagnetic, and Cyber Weapons Exclusion clause.

Conditions

A. Regulations

  1. All parcels that are covered by this Certificate will be shipped in strict accordance with all regulations of the carrier and amendments thereto

B. Jewelry

  1. (includes necklaces, earrings, watches, rings, bracelets, broaches, etc) with a value of $500.00 or more must be sent with the direct or adult Signature Confirmation service provided by the shipping carriers (must be signed for at delivery). This service is available by most shipping carriers often at an additional expense to their core shipping service. back to top

C. Deductible

  1. If a deductible exists, it will be deducted from the total claim amount. Deductibles are on a per package basis. The Insured is responsible for collecting any amounts from the Shipping Carrier that the Shipping Carrier may be liable for.
  2. Claims will be paid net of Shipping Carrier's per package limitation

D. Valuation

  1. Underwriters shall be liable for the invoice value of property lost, destroyed or damaged, however, in the event there is no invoice, underwriters shall be liable for the actual cash value of the property. Claims for repairs shall be payable for the fair market costs of such repairs.
  2. In no event shall claims exceed the value declared prior to shipment and declared for premium purposes.

E. Other Insurance

  1. Underwriters are not responsible for any loss, damage, or shortage that is covered by another insurance policy or for carrier's liability.
  2. If other insurance or coverage is present on a shipment, Underwriters will only provide the excess coverage.

F. Claims

  1. All packaging material and damaged goods must be kept in the original form as received. Packaging and damaged goods should not be disposed of, released to the shipping carrier, or returned to the seller before a claim is completed. Failure to comply can result in the denial of the claim.
  2. Concealed Damage - Allows for the discovery of loss or damage up to 15 days after final delivery. The loss is deemed to have possibly occurred during the insured transit. Discovery of loss or damage occurring 16 days or later after final delivery is deemed to have occurred while the shipment was NOT in transit, and therefore, is not covered.
  3. The Insured will file immediate notice of non-delivery, damage, or shortage with the Shipping Carrier and with SHIPSURANCE. Take proper exceptions on the delivery receipt when any loss or damage is apparent at the time of taking delivery. The Insured will complete a SHIPSURANCE claim form and provide all required documents to SHIPSURANCE within one hundred and twenty (120) calendar days from the date of shipment. If the carrier has liability and their remittance (carrier’s claim check and stub) or response has not been received by the Insured within the 120 day timeframe, all other claim paperwork must be received by SHIPSURANCE within one hundred and twenty (120) calendar days from the date of shipment. A complete claim submission includes a SHIPSURANCE claim form, a copy of the carrier’s tracer form, a copy of the invoice or recent appraisal, photos of damaged goods and packaging, a repair estimate, signed claim statement by the recipient, and any other documentation requested by SHIPSURANCE. Failure to complete the claim form and follow all claim instructions could lead to non settlement of claim.
  4. If the shipment is sent via the United States Postal Service (USPS) or consolidators and the claim is for loss, the Insured must wait 20 calendar days (Domestic shipments) or 40 calendar days (International shipments) before filing claim with SHIPSURANCE.
  5. All damaged property that was not repaired must be made available (given) to SHIPSURANCE or INS if requested.
  6. Once claim has been accepted and approved by the underwriters, prompt payment will be made to the Insured. SHIPSURANCE and INS rely on the determination of responsibility made by the original Shipping Carrier to assist in substantiating the loss.

G. Claim Disputes

  1. This Certificate shall be construed and interpreted in accordance with the laws of the State of California.
  2. The parties agree that any and all claims or disputes arising out of the Certificate or the performance of the Certificate shall be brought in Los Angeles County, California.
  3. The Insured agrees to INDEMNIFY AND HOLD HARMLESS SHIPSURANCE and Underwriters from any loss, liability, damage or costs, including court costs and attorney fees that they may incur due to misreading, misunderstanding, and not following the coverage requirements as per this SHIPSURANCE certificate or as endorsed.

H. Other Provisions

  1. If any term or condition of this Certificate is found to be invalid or unenforceable by any court of competent jurisdiction, the invalidity or unenforceability of any such term or condition shall not affect the validity and enforceability of the remaining terms and conditions of this Certificate.
  2. This Certificate constitutes the entire agreement between the parties with respect to the specific rights, duties, and obligations identified herein.
  3. Every user of SHIPSURANCE Insurance through this coverage will be monitored for adverse claims experience. SHIPSURANCE reserves the right to disallow any user to purchase SHIPSURANCE insurance at any time with 10 days written, certified notice.

Special inkFrog terms

  1. inkFrog is providing this insurance through a third party company. You agree to in no way hold inkFrog, inc. or it's entities accountable for any issues or claims that arise from purchasing or using Shipsurance. All claims will be filed through Shipsurance and will be enforced by the above coverage, terms, conditions and exclusions which are subject to change. You agree that inkFrog is in no way responsible for any loss, liability, claim, or demand that relates to insurance. Any issues must go through Shipsurance directly.
  2. You are soley responsible for ensuring that listings you add insurance to are covered under the above terms.

Your insurable address

  1. Each item that you insure through inkFrog's software must transfer specific data to our third party insurer Shipsurance. This data includes but is not limited to; your name, your address, and the eBay item number being insured. This data is gathered from eBay directly through the API. By default, the address inkFrog uses as your 'insured address' is your default address on file with eBay. If this is an issue, you can choose not to use our insurance.
  2. By purchasing shipping insurance online, you certify that all information provided is accurate and truthful. The submission of a false, fictitious, or fraudulent statement may result in imprisonment of up to 5 years and a fine of up to $10,000 (18 USC 1001). In addition, a civil penalty of up to $5,000 and an assessment of twice the amount falsely claimed may be imposed (31 USC 3802). Warning: any fraudulent claims will make the shipper and/or consignee liable for any prosecution for mail fraud under federal crime code
  3. Placing a postage stamp on your package and dropping it in the mail flow DOES NOT provide proof of mailing. Please use an online label printing service or take your package to the post office to pay for postage and generate a label.

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Privacy Policy

WHAT PERSONAL INFORMATION DOES INKFROG COLLECT AND WHY?

To provide you with the best service possible a Seller, we collect some or all of the following information:

When you use inkFrog's services we track your activity. Your personal information is used to identify you in our system allowing inkFrog to interact with eBay on your behalf. We also track your Internet Protocol (IP) address, domain name (if applicable), browser type, and request.cookies duration. inkFrog uses this information to administer the site and to further improve our service to you.

If you elect to receive emails updates from inkFrog, you will periodically receive e-mails from us updating you of significant events taking place at inkFrog. You can always unsubscribe from this list by following the "unsubscribe" instructions provided in the e-mail correspondences.

HOW DOES INKFROG USE YOUR INFORMATION?

inkFrog uses your information in two different ways:

WITH WHOM DOES INKFROG SHARE YOUR INFORMATION?

We pass on your eBay ID and password using TCP/IP to eBay each time that you transact with them.

Please note that inkFrog has links to other web sites. When you click on one of these links, you leave inkFrog and go to another web site. We encourage you to read the privacy statements of these sites, to which we link, as their privacy policy may differ from ours.

WHAT ARE "COOKIES" AND HOW ARE THEY USED

A "cookie" is a small amount of data sent to your browser from a web server and stored on your computer's hard drive. Your browser must allow cookies in order for you to use the inkFrog service. We use cookies to hold information, such as a login ID, so you don't need to re-enter information each time you utilize a inkFrog service during a request.cookies. We also use cookies to provide customized and personalized services to you. Should you choose to set your browser to reject cookies, you will render it nearly impossible to use sites that set and use cookies, including inkFrog.

HOW CAN I REVIEW AND CHANGE MY INFORMATION OR UNSUBSCRIBE?

You can edit and change your information at any time in the "preferences" section of the inkFrog App. To unsubscribe navigate to your your aplications tab and choose "Manage your applications". Then click "Other actions" and choose "Unsubscribe".

HOW I WILL KNOW ABOUT CHANGES TO INKFROG'S PRIVACY POLICY

If we decide to change our privacy policy, we will post those changes on the "Start Page" of our app so that our users are always aware of what information we collect, how we use it, and under circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we shall notify users by way of this posting. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

QUESTIONS OR CONCERNS

If you have questions or concerns regarding inkFrog's privacy policy, kindly contact support.


User Agreement

(the Agreement) sets forth the terms and conditions on which you will be allowed to use inkFrog, Inc. (inkFrog) services.

Binding Contract. This Agreement is a contract between you and inkFrog, and applies to your use of all inkFrog services (the Services). You must read, agree with, and accept all of the terms and conditions contained in this Agreement and in the inkFrog Privacy Policy in order to use the Services. This Agreement is effective November 1, 2009 for current users, and upon acceptance for new users. We reserve the right to amend this Agreement at any time by posting a revised version on our website. The revised version will be effective at the time we post it. You acknowledge that these terms of use are supported by reasonable and valuable consideration, the receipt and adequacy of which are hereby acknowledged. Without limiting the generality of the foregoing, you acknowledge that such consideration includes your use of inkFrog Services.

Eligibility; Registration. a. To be eligible for our Services, you must be at least eighteen (18) years old and a resident of the United States. In the event you are not a resident of the United States and wish to use our Services, you agree to submit yourself to jurisdiction in the United States and the State of Arizona.
b. To use the Services, you must submit a complete registration form on behalf of yourself or the corporation, partnership or other legal entity that will be using the Services. By accepting this Agreement, you represent that (a) you are eighteen (18) or older and, if applicable, (b) you are authorized to sign for and bind the corporation, partnership or other legal entity that will be using the Services. You agree to provide current, complete and accurate registration information, and then update the information as required to keep the registration information current, complete and accurate.

Privacy. Protecting your privacy is very important to us. Please review our Privacy Policy in order to better understand our commitment to maintaining your privacy, as well as our use and disclosure of your information. In the event you receive information about another inkFrog user through the Service, you must keep all information confidential, and you may not use or disclose any such information for marketing purposes unless you receive the express written authorization of inkFrog and the inkFrog user.

Intellectual Property. All logos, domain names, website content and other intellectual property that entail our products and services are the exclusive property of inkFrog. You will not copy, imitate, modify, alter, amend or use any of the inkFrog intellectual property without our prior written consent.

User Conduct. While using our Services, you agree to the following:
To comply with all applicable laws, statutes, ordinances and regulations related to use of the Services;
You may not use our Services to engage in fraud or other illegal activity, or advocate illegal activity;
You may not use our Services to infringe upon or violate any right of a third party including: (a) trademark, copyright, patent, trade secret or other proprietary, intellectual property or contractual rights; (b) right of privacy (i.e. you must not distribute another person's personal information of any kind without their express permission) or publicity; or (c) any confidentiality obligation;
To comply with the terms and conditions of all agreements you have with third parties, including but not limited to eBay;
You will not use any device, software, or routine to interfere or attempt to interfere with the proper working of the inkFrog
website, or any transaction conducted on the website. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure or limits our ability to provide the Services. You will not unload, send or post any information that contains a virus or other harmful component, or otherwise tampers with, impairs or damages the inkFrog website;
You agree not to collect, copy, reproduce, alter, modify, create derivative works, or publicly display any content or information from the inkFrog website without the prior written consent of inkFrog and the appropriate third-party.
You agree not to use any robot, spider, or other automatic device or routine to access or interface with the inkFrog website.
You will not use or submit any materials that are (a) defamatory, abusive, harassing, threatening, or an invasion of a right of privacy of another person; (b) bigoted, hateful, or racially or otherwise offensive; (c) violent, vulgar, obscene, pornographic or otherwise sexually explicit; or (d) otherwise harms or can reasonably be expected to harm any person or entity. You are solely responsible for all information, data, text, graphics, photographs, images, or other materials you provide to inkFrog or other users of our Services, including but not limited to all information you submit to eBay that inkFrog obtains via the Services (i.e. such as eBay email addresses, user IDs, passwords), and you acknowledge by using the inkFrog Services that inkFrog is acting only in a passive manner for your online storage, distribution, and publication of your materials;
You will only use the space allocated to you in the Image Library for storing images used in advertisements placed through the Services;
By using the Services and the inkFrog website, you agree that inkFrog has the right to access, monitor, remove, modify, or disable access to any or all of you materials at any time at the sole discretion of inkFrog;
inkFrog cannot and does not assure that other users will comply with the foregoing User Conduct rules or any other provisions of this Agreement, and, as between you and inkFrog, you assume all risk of harm or injury resulting from any such lack of compliance.

Passwords & Security. You will at all times maintain the confidentiality of your user names and passwords. In the event there is a breach of security through your account, you must immediately change your password.

You agree to waive all claims against inkfrog in the event the security of your account is compromised. Further, you agree to indemnify, defend, and hold inkfrog harmless in the event inkfrog incurs damages to its intellectual property or other financial damages due to a breach of confidentiality.

Fees & Payment Terms. You agree to pay all fees and taxes associated with using our Services. All fees are in U.S. Dollars unless stated otherwise. inkFrog requires a monthly membership which covers use of all Services. Changes to fees and payment terms are effective immediately unless otherwise indicated, and it is your responsibility to check for any changes. Payment of inkFrog invoices will be set-up and paid automatically through either PayPal or a credit card accepted by inkFrog. All such payment information, including all Paypal information and credit card information will be on file with inkFrog. You can also elect to prepay inkFrog for a minimum of three (3) months via PayPal. Failure by you to make all timely payments may result in inkFrog immediately terminating all Services, at the sole discretion of inkFrog. Furthermore, in the event your payment method fails or your account is past due, we may collect fees owed using other collection mechanisms, which include but are not limited to retaining collection agencies and legal counsel to pursue collection.

Excessive Usage. Excessive users (Excessive Users) will be charged additional fees for inkFrog services without notice. inkFrog may deem a user an Excessive User in the event that inkFrog determines, in its sole and absolute discretion, that such user is scheduling or launching items beyond the scope charged by inkFrog pursuant to inkFrog's package prices. Examples of an Excessive User include, but are not limited to, a user that has:
a. One calendar day where 4,000 or more eBay items are scheduled and/or launched; or
b. One calendar month where 50,000 or more eBay items are scheduled and/or launched 50,000 or more items that are saved as profiles and/or in the library.

inkFrog reserves the right to immediately terminate the accounts of all "Excessive Users at inkFrog's sole and absolute discretion. In addition, inkFrog reserves the right to charge all Excessive Users additional charges beyond package prices to use inkFrog Services. Such charges are part of our fees, and must be paid immediately in order to remain an inkFrog user with an active account. The amount of these charges are in inkFrog's sole and absolute discretion. Companies, individuals, or other business entities, including but not limited to all affiliated entities will be deemed an "Excessive User" in the event that inkFrog finds a user attempting to circumvent this Excessive Usage rule by setting up additional inkFrog accounts that post to multiple eBay accounts.

Abuse, Suspension, Termination. Without limiting our other remedies, we may limit, suspend, or terminate our Services and your user account(s) at our sole discretion, without notice, and for any reason in the event we think you are abusing our services, you fail to follow the terms and conditions of this Agreement, you are creating problems or potential legal liabilities, you are infringing on the intellectual property rights of us, any of our affiliates, any third parties, or you are acting inconsistent with our policies or the spirit of our policies. In the event inkFrog limits, suspends, or terminates your account, all monies paid to inkFrog are non-refundable.

Assignment. You may not transfer or assign any rights or obligations you have under this Agreement without our prior written consent. We reserve the right to transfer or assign this Agreement or any right or obligation under this Agreement at any time without your consent.

Limitation of Liability. Under no circumstances, including but not limited to negligence, will inkfrog be liable to you or any other person or entity for any direct, indirect, incidental, punitive, special or consequential damages including lost profits, personal injury (including death), loss of materials, loss of content, loss of files, loss of goodwill, costs of procurement of substitute goods and services, and property damage of any nature whatsoever, that result from (a) the use of, or the inability to use, the inkfrog website or content, or (b) the conduct or actions, whether online or offline, of any user of the inkfrog website or any other person or entity, even if we have been advised of the possibility of such damages. In the event inkfrog is found liable, inkfrogís total liability to you for all damages, losses and causes of action whether in contract, tort (including but not limited to negligence) or otherwise will not exceed the amount paid by you in the past six (6) months, if any, or $100, whichever is less.

No Warranty. The inkfrog website and services are provided on an ìas-is basis and without warranty or condition, express, implied or statutory. Inkfrog, its suppliers and distributors, specifically disclaim all implied warranties of title, merchantibility, fitness for a particular purpose and non-infringement.

Release. If you have a dispute with one or more users, you release us (which includes but is not limited to our officers, directors, agents, subsidiaries, joint ventures, and employees) from claims, demands, and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

No Agency. No agency, partnership, joint venture, employee-employer, franchisee-franchisor, or principal-independent contractor relationship is intended or created by this Agreement.

Cancellation. We reserve the right to cancel all inactive accounts at our sole discretion and without notice.

Indemnification. By accepting this Agreement, you agree to indemnify, defend, and hold inkFrog and its officers, directors, agents, subsidiaries, joint ventures, and employees harmless from all claims, judgments, costs, expenses, or liabilities, including reasonable attorneys fees and costs arising out of any acts or omissions made by a third party arising from the breach of this Agreement or a violation of law or the rights of a third party.

Severability. In the event that a court of competent jurisdiction determines that any portion of this Agreement is in violation of any statute or public policy, then only the portions of this Agreement which violate such statute or public policy shall be stricken. All portions of this Agreement which do not violate any statute or public policy shall continue in full force and effect. Further, any court order striking any portion of this Agreement shall modify the stricken terms to give as much effect as possible to the intentions of the parties under this Agreement.

Attorneys Fees. In the event suit is brought about or an attorney is retained by inkFrog pursuant to this Agreement to enforce the terms hereof, to collect any monies due hereunder, or to collect money damages for a breach hereof, inkFrog is entitled to recover in addition to any other remedy, regardless of the outcome of such suit, the reimbursement for reasonable attorneys fees, court costs, costs of investigations, expert witnesses, discovery and other related expenses incurred in connection therewith as determined by the court and not a jury.

Governing Law / Venue. This Agreement shall be governed by and construed under and in accordance with the laws of the State of Arizona and with the laws of the United States of America. Venue for any action will take place in Phoenix, Arizona, United States of America. By accepting this Agreement, you subject yourself to jurisdiction in federal and state courts located in Phoenix, Arizona, United States of America.

Authority. Each individual that agrees to this Agreement on behalf of a corporation or other entity warrants that he is authorized to do so and that this Agreement will constitute the legally binding obligation of the entity which he represents.