SPHERING³ — GENERAL TERMS AND CONDITIONS

Effective September 6, 2026

PLEASE READ THIS FIRST

These General Terms and Conditions contain provisions governing where disputes may be brought. They do not require arbitration and do not waive your right to bring a dispute in court before a judge and jury. Under Section 22, disputes are brought in a court of competent jurisdiction located in Monroe County, Florida.

Section 8 also contains something unusual and you should read it: when you mint an artifact with us, that act is permanent and cannot be undone — by you, by us, or by a court. We consider this the best thing about the service. It is also the thing most likely to surprise you.

1 · IN THE SPIRIT OF TRANSPARENCY

We built this service to make records that outlive the people and companies that made them. That purpose shapes these terms in ways an ordinary software agreement would not, so we have tried to write them in plain language and to explain the reasons rather than only the rules.

Three things are worth knowing before you read further:

1. What you mint is permanent. We cannot unmint it. This is by design and it is what you are paying for.
2. We certify the deposit, not the ownership. When we issue a Certificate of Authenticity, we attest that a specific artifact, with a specific fingerprint, was deposited by a specific party at a specific time. We do not decide who owns the underlying content. You tell us, and you are responsible for that answer.
3. We are a vault and a forge, not a custodian of your legal obligations. If you deposit something you did not have the right to deposit, that is your responsibility, and Section 9 says so in the language a lawyer would use.

2 · DEFINITIONS

“Artifact” — any file, recording, document or other material you submit to be Minted.

“CLEAR” — our browser software and any application delivered through it.

“CoFA” / “Certificate of Authenticity” — the certificate we issue on a completed Mint. It attests to the deposit: the identity of the depositor, the fingerprint of the Artifact, and the time of deposit. It is not a determination of ownership, authorship, originality or clearance of rights.

“CONTINUARIUM” — the vault and platform, including the archive and the services that write to it.

“Keeping Layer” — any storage or permanence network on which a Minted Artifact is retained, including networks operated by third parties.

“Mint” — the act of certifying and committing an Artifact to the CONTINUARIUM. A completed Mint is irreversible.

“OPEN-AIR LICENSE” — the licence you grant us and other users under Section 9.4 when you submit a recording of a public performance. It is a licence you grant. It is not a representation by us that any performer, composer or venue has granted anything.

“Private Collection RAD” — a RAD in a category designated as non-public and non-transferable.

“RAD” — a Minted Artifact together with its CoFA.

“CoFA original” — A CoFA is issued in TWO ORIGINALS. One is delivered to the owner as their title instrument; the other stays with the archived artifact. Both are originals; neither is a copy. This is ordinary practice for documents of title — a bill of lading is issued in a set, one travelling with the goods and one going to the party entitled to them.

“Services” — the CONTINUARIUM, CLEAR, the THORIUM REACTOR, and any other product we offer under these terms.

“THORIUM REACTOR” — the minting engine.

“You” — the person or entity accepting these terms.

“We” / “us” / “SPHERING³” — SPHERING3 LLC and its affiliates. SPHERING³ LLC, a Florida limited liability company

3 · ACCEPTANCE AND CHANGES

3.1 By creating an account, using the Services, or continuing to use them after we post changes, you agree to these terms.

3.2 We may change these terms. We will post the changed terms with a new effective date and, for material changes, give you notice through the Services or by email at least 30 days before they take effect. Continued use after the effective date is acceptance.

3.3 Changes do not reach backwards into a completed Mint. The terms in force when an Artifact was Minted govern that Artifact and its CoFA. We are not able to change the rules of a record after it has been made, and we would not want a service that could.

4 · ELIGIBILITY, ACCOUNT AND SECURITY

4.1 You must be at least 18 and able to form a binding contract.

4.2 You will provide accurate information and keep it current.

4.3 How you get in. Access is authenticated by Google. We do not operate our own authentication and we do not issue you a password. When you sign in to Google and Google authenticates you, CLEAR and your CONTINUARIUM vault activate automatically.

4.4 What we check, and what we do not. Before a minting session, our precheck agent confirms that the required components are present and operating — including CLEAR and your vault — and the THORIUM REACTOR deploys only when that chain checks out.

This is a check on OUR systems, not on you. We do not vet, approve or police what you choose to create. You are the RAD creator and what you make is your decision. Your obligations about the content itself are in Section 9, and they run to rights you hold, not to our permission.

4.5 You are responsible for activity under your account.

4.6 WHAT DEPENDS ON YOUR GOOGLE ACCOUNT — read this once. Because Google authenticates you and we do not, your access to the Services and to your vault depends on your Google account. If you lose access to that account, you may lose access to the Services. This does not affect anything you have already Minted — a Minted Artifact and its CoFA exist independently of your ability to sign in (Section 10.1). But it does affect your ability to reach the Services.

4.7 A WARNING WE THINK YOU SHOULD ACTUALLY READ. SMS text messages are not a secure second factor for anything of value. SIM-swap attacks — where an attacker persuades a mobile carrier to move your number to their device — defeat SMS verification entirely and are used routinely against holders of digital assets. Secure your Google account with an authenticator application or a hardware key.

4.8 Tell us promptly if you believe your account has been compromised.

5 · AVAILABILITY OF THE SERVICES

5.1 We will use commercially reasonable efforts to keep the Services available. We do not guarantee uninterrupted or error-free operation.

5.2 Availability depends on factors outside our control, including your connectivity, third-party networks, and the availability of Keeping Layers.

5.3 Some parts of the Services are deliberately intermittent. Portions of our infrastructure operate on a scheduled basis rather than continuously. This is by design, not a fault. Where a function is unavailable for that reason, the Services will tell you and, where supported, allow the work to complete and reconcile later.

6 · KEEPING LAYERS AND THIRD-PARTY NETWORKS

6.1 Minted Artifacts are retained on one or more Keeping Layers, which may include networks we do not operate or control.

6.2 Third-party networks have their own rules, availability and data practices. We are not responsible for them, and their failure is not our breach.

6.3 Our product tiers differ in how many independent Keeping Layers hold your Artifact — that is, in redundancy, not in duration. A higher tier does not keep your Artifact longer. It keeps more copies of it, in more independent places.

7 · FEES, BILLING AND ACCOUNT FUNDS

7.1 Fees are as published at the time of purchase and are exclusive of taxes.

7.2 You authorize us to charge your payment method for all amounts due, including recurring charges for any subscription, until you cancel.

7.3 Failed payments. If a charge fails we may retry. If it remains unpaid after 7 days we may suspend the Services.

7.4 Account funds. Where the Services support a stored balance: funds are usable only within the Services, are not transferable between accounts, and are not redeemable for cash. Limits per transaction and per balance apply and are published in the Services.

7.5 Dormancy. We do not charge a dormancy fee or automatically forfeit an account balance solely because the account is inactive. If an account has had no login, purchase, redemption, or other account activity for 12 consecutive months, we may send a dormancy notice to the email address on the account and give the account holder at least 60 days to provide updated contact information or instructions. Any balance that is required by applicable law to be reported, remitted, or delivered under unclaimed-property or escheat laws will be handled in accordance with those laws. We will not treat a balance as abandoned, or transfer it to ourselves, except as permitted by applicable law.

7.6 Third-party billing is blocked. We do not permit charges for our Services to be billed through a third party. Anything you purchase from us, you purchase from us.

7.7 DUCATS — what they are, and what they are not.

7.7.1 A DUCAT is credit issued by us, redeemable only with us, at a redemption value of US$0.25 each.

7.7.1(a) The only way to obtain Ducats. Ducats are awarded solely for submitting a suggestion to the Suggestion Box. Ducats cannot be purchased. No payment, wager, fee, or purchase of any kind is required or accepted to submit a suggestion or to receive Ducats. There is no cost to participate, and paying us more does not obtain Ducats.

7.7.1(b) How the award is determined. Eligible contributors may receive a variable Ducat award determined at the time of the award event, in any whole-number amount from 1 through 1,000 Ducats. Ducats are awarded only under the applicable program rules. They are not sold and cannot be purchased. No payment, fee, purchase, or other consideration is required or accepted to obtain an award event or to receive Ducats. There are no published odds, ratios, or probability tables for the award amount

7.7.2 What a Ducat redeems for. Ducats are redeemable solely for goods we supply — RAD trading cards and PortPass printables. A Ducat is not redeemable for cash, is not exchangeable for any other currency or instrument, and confers no right to a cash payment from us in any circumstance.

7.7.3 Ducats are not transferable. A Ducat is spent by the account that holds it and may not be sold, assigned, gifted or transferred to another user.

7.7.4 What you get for them is fully yours. The RAD trading cards and PortPass printables you redeem Ducats for are goods you own. Print them, keep them, sell them, gift them, trade them freely. Nothing in this Section restricts what you do with what you redeemed.

7.7.5 The credit value.

One Ducat is a credit of US$0.25 applied against the purchase price of CoFA printables — offset printing, or owner-printable proof sets generated from any CoFA the holder has. It is a credit, not cash, and it is redeemable against nothing else.

7.7.6 A Ducat is not the Stated Value of a RAD. The Ducat is credit toward goods. Any limit on what you may recover from us on a claim is governed by Section 19 and is a different thing entirely. The two happen to share a figure. They are not the same instrument and neither determines the other.

7.7.7 The Suggestion Box. A qualifying award event may provide a variable award of 1 to 1,000 Ducats, determined when the award event occurs. No published odds, ratios, or probability tables apply. Ducats cannot be bought: no payment, fee, purchase, or other consideration is required or accepted to obtain an award event or to receive Ducats. Ducats may be redeemed only for printable trading cards, PORT PASSES, scroll COFAs, and premium keepsake printing through the MINT-TO-PRINT SHOP, and cannot be redeemed for cash, refunds, account credit, monetary value, or anything else. Eligibility, anti-abuse, account and automation controls apply

7.7.8 Physical fulfilment. Where redemption includes offset or laser printing and delivery of physical items, delivery timing, shipping and any applicable taxes are as stated at redemption.

8 · MINTING — THE IRREVERSIBILITY YOU ARE CONSENTING TO

8.1 A COMPLETED MINT CANNOT BE UNDONE. There is no unminting. Not by you, not by us, not on request, not on court order. We designed the service this way and you are agreeing to it.

8.2 Before a Mint completes, the Services will present what is about to be committed. Check it. That moment is the last one at which the outcome is changeable.

8.3 By initiating a Mint you confirm that you have read Section 8.1 and intend the Artifact to be permanent.

8.4 Fees before and after. YOU ARE NOT CHARGED UNLESS THE MINT COMPLETES. Your payment is authorised and held; it is captured only when the Mint completes. A Mint completes only on receipt of the required chain confirmations, and without them the escrow cannot close and no CoFA is generated. If a Mint does not complete, the authorisation is released and no charge is taken, so there is nothing to refund. A fee for a completed Mint is not refundable, because the thing you bought has been delivered and cannot be recalled.

8.5 Offline minting. Where the Services allow you to complete a Mint while our systems are unreachable, custody is reconciled when connectivity returns, and the time of your local certification is preserved.

9 · YOUR CONTENT, YOUR RIGHTS, AND YOUR RESPONSIBILITY

An ordinary service disclaims what you look at. We permanently archive what you submit. The obligations therefore run the other way, and they run to you.

9.1 You keep what you own. We claim no ownership of your Artifacts.

9.2 YOU WARRANT THAT YOU HAVE THE RIGHT TO MINT IT. By submitting an Artifact you represent and warrant that you own it or hold all rights, licences, consents and releases necessary to submit, Mint, store, publish and — where applicable — permit the transfer of it, and that doing so does not infringe or violate the rights of any other person.

9.3 YOU ARE THE CERTIFYING PARTY. You, not we, are the party certifying that all legal requirements relating to your Artifact have been met. You assume responsibility for all consequences of any violation of copyright or other rights arising from what you submit. We do not review, clear or adjudicate the rights in your Artifact and do not undertake to do so.

9.4 THE OPEN-AIR LICENSE — recordings of public performances.

By submitting a recording of a public performance, you GRANT the OPEN-AIR LICENSE, and you represent and warrant that you hold all rights necessary to grant it.

The OPEN-AIR LICENSE is a perpetual, irrevocable, worldwide, royalty-free licence to us to store, archive, reproduce, certify, publish, stream and distribute the recording through the Services, and to permit end users to access it, subject to Section 11 and to the category rules for the RAD.

The OPEN-AIR LICENSE is a licence YOU grant. It is not a statement by us that any performer, composer, venue or rights-holder has granted anything. If you did not have the right to grant it, Sections 9.2, 9.3 and 18 apply to you.

9.5 What we grant you. We store, process, transmit and display your Artifact as needed to provide the Services, and for no other purpose except as the Privacy Policy states.

9.6 CoFA — two different things.

A CoFA speaks to the ARCHIVED RAD. It is silent about the UNDERLYING WORK.

9.6.1 What a CoFA is — title to the archived RAD.

A CoFA is the instrument of title to the RAD as archived in the CONTINUARIUM. The holder of the CoFA holds title to that archived RAD, and title moves with the instrument.

IT BEHAVES AS A BEARER INSTRUMENT. TREAT IT LIKE CASH. Possession establishes the holder’s standing. If you lose it, give it away, stake it, or it is taken from you, the title goes with it. Where more than one CoFA exists for a RAD, the rules published for that class determine how holders rank and how one holder may take priority over the others. That mechanic is a property of the instrument, disclosed here — do not acquire a CoFA without understanding it.

9.6.2 What a CoFA is not — it says nothing about the underlying work.

A CoFA does NOT attest that: you authored the content · it is original · it infringes nobody · any third-party right has been cleared · it has any particular market value · that you hold copyright, trademark or any other right in the work the RAD depicts or contains.

What we record is what we received: this artifact, this fingerprint, this depositor, this moment. Under Section 9.2 you warrant the rights in the underlying work. We never took those rights, so the CoFA cannot and does not pass them on.

9.6.3 THE PLAIN VERSION.

A CoFA is title to the thing in the vault. It is not a ruling on who owned the thing before it went in. A warehouse receipt gives its holder the goods; it does not certify that the depositor came by them honestly. The two questions never touch, which is why 9.6.1 and 9.6.2 sit together without contradiction.

9.6.4 THE LONG-FORM CoFA AND ITS ATTACHMENTS.

The long-form RAD CoFA carries the payment receipt reference, the Core Manifest, and the Bill of Lading — the record of where the RAD was delivered and where the CoFA itself was delivered and saved.

Where the Bill of Lading is printed, these Terms may be reproduced on its reverse. Printing terms on the back of a pre-printed form is ordinary practice for bills of lading, and it is how these Terms travel with the physical instrument.

9.6.5 Two originals.

A CoFA is issued in two originals. One is delivered to the owner as their title instrument; the other stays with the archived artifact. Neither is a copy.

That is why the RAD is properly defined as the artifact together with its CoFA AND the holder separately holds title to it — the RAD in the vault carries its own original; the owner carries theirs. Standard practice for documents of title: a bill of lading is issued in a set, one travelling with the goods and one going to the party entitled to them.

9.7 Prohibited material. You may not submit material that is unlawful, that depicts child sexual abuse, that you are prohibited from possessing, or that violates the Acceptable Use Policy. This is a floor, not a quality standard, and material below it is removed from access and reported where the law requires.

10 · WHAT SURVIVES TERMINATION

An ordinary service says: your account ends, we may delete your data. Ours says the opposite, and it is the reason the service exists.

10.1 A MINTED ARTIFACT AND ITS CoFA SURVIVE THE END OF YOUR ACCOUNT. Termination — by you, by us, for cause or for none — does not unmint anything, does not delete the archived Artifact, and does not revoke its CoFA. What you made permanent stays permanent.

10.2 What ends is your access to the Services, your ability to Mint, your subscription, and any unused balance subject to Section 7.

10.3 We do not hard-delete an Artifact. Where deletion of your own material is offered, the final act of deletion is yours, not ours.

10.4 Section 11 may disable public access to an Artifact. That is not deletion, and it does not unmint anything.

11 · COPYRIGHT COMPLAINTS — NOTICE, TAKEDOWN AND COUNTER-NOTICE

11.1 We respond to notices of claimed infringement that comply with the Digital Millennium Copyright Act. Send them to our designated agent at Robert P. Mick, SPHERING3 LLC, 6000 Peninsular Avenue T37, Key West, Florida 33040, legal@sphering3.com. Our designation is on file with the United States Copyright Office under registration number DMCA-1080081.

11.2 WHAT WE DO ON A VALID NOTICE.

17 U.S.C. § 512(c)(1)(C) requires a service provider to respond expeditiously to “remove, or disable access to,” material claimed to be infringing. The statute is disjunctive, and we use the second option.

On a valid notice we disable public access to and findability of the identified material. We do not destroy the Artifact and we do not revoke its CoFA, because the record of what was deposited, by whom, and when is the thing this service exists to keep — and because a record that can be erased by whoever it embarrasses is not a record.

11.3 Counter-notice. If you believe material was disabled in error you may send a counter-notice. If the complaining party does not file suit within the period the statute allows, we restore access. Because we disabled access rather than destroying the Artifact, restoration is complete and immediate. Nothing was lost in the interval.

11.4 Repeat infringers. We terminate the accounts of repeat infringers in appropriate circumstances.

11.5 Nothing in this Section limits Sections 9.2, 9.3 or 18.

12 · REFUNDS

12.1 A COMPLETED MINT IS FINAL AND ITS FEE IS NOT REFUNDABLE. See 8.4. This is not a policy choice we could reverse; the product was delivered and is irreversible.

12.2 THERE IS NO FAILED-MINT REFUND, BECAUSE THERE IS NO FAILED-MINT CHARGE. A Mint that does not complete produces no chain confirmations, so the escrow does not close, no CoFA is generated, and the payment authorisation is released without being captured. See 8.4.

12.3 There are no subscriptions. The Services are not sold on a recurring basis. One Mint is one charge. There is no subscription, membership, auto-renewal or recurring fee of any kind, so there is nothing to cancel and no recurring charge to refund.

13 · LICENCE — AND IT SPLITS THREE WAYS

An ordinary software agreement grants one non-transferable licence and bans resale. That does not fit a product whose whole point is that some of what you make IS transferable. So there are three regimes and you should know which one you are in.

13.1 OUR SOFTWARE — non-transferable. We grant you a personal, revocable, non-exclusive, non-transferable licence to use CLEAR and our other applications. You may not resell, rent, sublicence, reverse-engineer, decompile or create derivative works from them, except where that restriction is unenforceable by law.

13.2 TRANSFERABLE RADs — yours to sell, gift or trade. A RAD in a transferable category is your property and may be sold, gifted, traded or bequeathed, subject to the rules published for that category. What transfers with it is what the product says transfers with it — the Artifact, its CoFA, and its record of provenance.

13.3 PRIVATE COLLECTION RADs — non-transferable by category. A RAD designated Private Collection may not be sold, traded or transferred, and is not published. That restriction is a property of the category, not a limitation we impose case by case.

13.4 No wallet key, private key or seed phrase of any party is ever placed on a CoFA, a PortPass, or any transferable instrument. Nothing in a transfer conveys control of a wallet.

14 · OUR INTELLECTUAL PROPERTY

14.1 The Services, and all trademarks, service marks, trade names, logos, software and content we provide, are owned by us or our licensors. The marks used in the Services are owned by Robert Patrick Mick and licensed to SPHERING3 LLC.

14.2 Nothing in these terms grants you any right in our marks. You may not use them without our prior written permission.

15 · PRIVACY AND IDENTITY

15.1 Our Privacy Policy is incorporated by reference.

15.2 Third-party identity dependency. Where you sign in using a third-party identity provider, your access to your account depends on that provider. If you lose access to that identity, you may lose access to the account.

16 · ACCEPTABLE USE

The Acceptable Use Policy is incorporated by reference. We may suspend or terminate access for violations.

17 · DISCLAIMER OF WARRANTIES

17.1 THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

17.2 We do not warrant that the Services will be uninterrupted, secure or error-free, or that any Keeping Layer will remain available.

17.3 Some jurisdictions do not allow the exclusion of implied warranties. Where that is so, these exclusions apply to the fullest extent permitted.

18 · INDEMNIFICATION

18.1 You will indemnify, defend and hold harmless SPHERING³, its affiliates, and their officers, members, employees and agents from any claim, demand, loss, liability, damage, cost or expense (including reasonable attorneys’ fees) arising out of or relating to:

(a) your Artifacts, including any claim that an Artifact infringes or violates the rights of any person;

(b) your breach of the warranties in Section 9, including the OPEN-AIR LICENSE warranty in 9.4;

(c) your violation of these terms or of any law; and

(d) your use of the Services.

18.2 We will notify you of any claim subject to this Section and may participate in its defence with counsel of our choosing at our expense.

19 · LIMITATION OF LIABILITY

19.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, even if advised of the possibility.

19.2 RAD-SPECIFIC CLAIMS — THE FACE VALUE GOVERNS.

Quoted from the Terms of Service, Section 19:

““Stated Value” means the face value of US$0.25 per RAD. The Stated Value is the declared denomination and face value of the RAD for an eligible claim solely alleging that the RAD does not function. It is not a market valuation, appraisal, estimate of replacement cost, or cap imposed on a different underlying value. The amount recoverable for that eligible RAD-specific claim equals the RAD’s face value: US$0.25.”

A RAD is a face-value fiat instrument. Its declared denomination is US$0.25, and that is the recovery on a RAD-specific claim. The Stated Value is not the Minting Fee, which the same section records as separate consideration for minting and related services.

Every holder’s position is the declared face value, knowable in advance by anyone who holds one. The same section of the Terms of Service governs what happens when a holder parts with theirs:

“The RAD is the instrument to which any RAD-specific claim relates. If the RAD is destroyed, deleted, lost, discarded, rendered inaccessible, or otherwise ceases to exist or be available through your act or omission, any claim based on that RAD is extinguished.“

19.3 General service claims. For claims other than those in 19.2, our aggregate liability will not exceed the greater of the amounts you paid us in the twelve months before the claim, or US$100.

19.4 Some jurisdictions do not allow these limitations. Where that is so, they apply to the fullest extent permitted, and Section 19.5 governs.

19.5 SAVINGS AND REQUIRED OVERRIDES. Nothing in these Terms excludes, restricts or purports to waive any right, remedy, refund, dispute process or protection that cannot lawfully be excluded or restricted — including any non-waivable statutory right and any applicable card-network chargeback rule.

Where a required override applies, it applies only to the extent required. All remaining provisions continue in full force, including the irreversibility of a completed Mint, the permanence of the Artifact and its CoFA, the separation of the Stated Value from the Minting Fee, and the face-value treatment of the Stated Value to the extent lawful.

20 · TERM, SUSPENSION AND TERMINATION

20.1 You may close your account at any time.

20.2 We may suspend or terminate your access, with or without notice, for breach of these terms, for unlawful use, for non-payment, or where required by law.

20.3 Termination is governed by Section 10.

21 · NOTICES

21.1 We give notice through the Services or to the email on your account.

21.2 You give notice to SPHERING³ LLC, 6000 Peninsular Avenue T37, Key West, Florida 33040, and legal@sphering3.com.

22 · DISPUTE RESOLUTION; COURT PROCEEDINGS

22.1 Informal resolution. Before filing a lawsuit, either party may provide the other with a written description of the dispute and a reasonable opportunity to resolve it informally. This informal-resolution step is encouraged but is not a condition precedent to filing suit and does not limit any applicable statute of limitations.

22.2 No mandatory arbitration. Neither party is required to submit any dispute arising out of or relating to these Terms or the Services to arbitration. Nothing in these Terms requires, authorizes or permits a dispute to be resolved by a private arbitrator instead of a court.

22.3 Court jurisdiction and venue. Any dispute, claim or controversy arising out of or relating to these Terms or the Services must be brought in a court of competent jurisdiction located in Monroe County, Florida, and each party consents to the personal jurisdiction and venue of those courts. This provision does not prevent either party from seeking temporary, preliminary or emergency relief from any court having jurisdiction when necessary to preserve the status quo or prevent immediate harm.

22.4 No waiver of non-waivable rights. Nothing in this Section waives, limits or restricts any right, remedy, dispute process or protection that cannot lawfully be waived, limited or restricted.

23 · GENERAL

23.1 Governing law. These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules.

23.2 Entire agreement. These terms, with the policies they incorporate, are the entire agreement between us on their subject matter.

23.3 Severability. If a provision is unenforceable, the rest continues and the provision is modified to the least extent necessary.

23.4 No waiver. Our failure to enforce a provision is not a waiver of it.

23.5 Assignment. You may not assign these terms. We may assign to an affiliate or in connection with a merger or sale of assets.

23.6 No third-party beneficiaries. Except as stated in Section 18.

23.7 Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.

23.8 California residents. Consumers may submit complaints regarding this transaction or these Services to the California Department of Consumer Affairs, Division of Consumer Services, Consumer Information Center, 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, telephone (800) 952-5210, TDD (800) 326-2297, or through the Department’s website at https://www.dca.ca.gov.