TERMS & CONDITIONS

The Company is a nonprofit charitable organization that offers and administers a voluntary, benevolent cost sharing organization (collectively, the "Services"). By accepting these Terms and Conditions, you agree to provide the information requested on the registration page of the Site completely and accurately, and to update your information as necessary. The Company routinely maintains and updates personally identifying information which may include business and/or personal credit card accounts, bank accounts, other financial accounts, address information, telephone information, and email information. Further, the Company may require you to submit confidential information pertaining to you or your business including, without limitation, cash flow, balance sheets, budgets, and other reasonable confidential information as requested by the Company ("Customer Information"). The Company will provide the Services in accordance with its then-current pricing, as set forth on the Site. The Company makes no warranties or guarantees whatsoever pertaining to the Services.

The Company hereby grants to you during the Term (as defined below) a non-exclusive, non-assignable, non-transferable, non-sublicensable, limited license ("License") to use the Site and the Services. You shall not be entitled to a License to the Company's trademarks, service marks, trade dress, patents, patents pending, or other intellectual property (the "Intellectual Property"). You shall not copy or reverse engineer, in whole or in part, the Site, Services, or Intellectual Property. All rights not expressly granted by the Company to you under these Terms and Conditions are expressly reserved to the Company. To the extent you upload content in connection with the Site or a Service, including any and all communications that you make with the Company through the Service, you grant the Company a royalty-free, worldwide, non-exclusive, perpetual, irrevocable, transferable license, to copy, distribute, display publicly, make available to the public, adapt, sub-license, process and translate such content, combine such content with or incorporate such content into other content and modify and create derivative works of such content; in each case in connection with the Company's operation of the Site and/or a Service, and in the Company's other media platforms, applications and services, and those of its affiliated entities. You further waive and forever disclaim all rights of attribution with respect to the use of your content.

Use of the Services must comply with any policies and procedures made available to you, including those found in the Company Membership Guidelines. Do not misuse the Services. You agree not to interfere with the Company's offering of Services or try to access them using a method other than the interface and the instructions that we provide. You may use the Services only as permitted by law. The Company may temporarily or permanently deny, limit, suspend, or terminate the Services, remove content and take technical and legal measures to remove your access to the Services at any time and for any reason. You agree to the following prohibited uses: You shall not copy, publish, distribute, rent, or resell the Services or Intellectual Property, in whole or in part. You understand and agree that we monitor usage on the Site and the Services and that we may share your use of the Site and Services with law enforcement agencies and officials in response to inquiries or if we have reason to believe that your use of the Site and Services is for an unlawful purpose. You shall not use the Services as the basis for making decisions concerning loans, credit, insurance, employment, or other decisions. The Services are not to be relied upon by any person, including you, for any purpose. You are solely responsible for all decisions you make in any way utilizing the information generated as a result of using the Services.

THE COMPANY RESERVES THE RIGHT TO AMEND THE SITE AND THESE TERMS AND CONDITIONS IN ITS DISCRETION FROM TIME TO TIME. YOU ARE RESPONSIBLE FOR MONITORING THE SITE FOR UPDATES TO THESE TERMS AND CONDITIONS. The Company may, but is not obligated to, offer upgrades, updates, and improvements to the Site and Services, and to add or discontinue any Services. These Terms and Conditions control the relationship between the Company and you. They do not create any third-party beneficiary rights.

The Site may contain links to other websites. The Company may or may not own, operate or monitor such websites, their services or content. The information and content posted on other websites may not be compatible with your requirements, you may object to their content, or find such content to be objectionable, improper, unlawful or immoral. By linking to another website, the Company does not endorse, or sponsor their content, or confirm their accuracy, credibility, authenticity, validity, integrity or legality. The Company assumes no responsibility or liability for any third-party services or contents, or their availability.

The Company may require you to make payments for Services in immediately available United States dollars by the options available on the Site. All sales on the Site are final. The Company has no obligation whatsoever to issue refunds or credits for purchases on the Site, or otherwise. The Company assumes no responsibility for delays in credit or debit card processing or any other form of payment. You warrant and represent that your use of any credit, debit, or other permitted form of payment is authorized by the holder of such form of payment. You understand that all monthly contribution payments will be made by autopay on the date you determine.

You are responsible for paying all applicable taxes in connection with your purchase of the Services.

The term of these Terms and Conditions shall begin on the Effective Date and continue until terminated as expressly provided in these Terms and Conditions (the "Term"). You may terminate these Terms and Conditions at any time by delivering an e-mail to [email protected] or by calling the Company's Customer Service Center at the telephone number listed on the Site. The Company may immediately terminate these Terms and Conditions as required by law or due to your breach of any provision of these Terms and Conditions in the Company's determination. Termination will become effective immediately. Upon termination, all license rights granted herein shall immediately terminate and be revoked, and you will not be allowed to use the Site or purchase Services.

Nothing in these Terms and Conditions shall create an employer-employee, partner, joint venturer or agent relationship between you and the Company.

You shall defend, indemnify, and hold harmless the Company and its affiliates, and their employees, managers, members, officers, shareholders, directors, agents, representatives, consultants, contractors, insurers, attorneys, successors, and assigns from and against all claims, demands, judgments, losses, liabilities, damages, costs, fees, expenses, including attorney fees and court costs arising out of your (a) unauthorized use of the Site or Services, (b) breach of these Terms and Conditions, or (c) otherwise prohibited or illegal activity.

THE COMPANY: (A) MAKES NO WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, WITH RESPECT TO THE SERVICES, AND (B) SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY AGAINST NON-INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHT OF ANY THIRD PARTY. THE COMPANY DOES NOT WARRANT THAT ANY OF THE SERVICES WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS, OR THAT THEIR CONTENT OR METHOD OF DELIVERY WILL BE FREE OF ERROR, OR THAT DEFECTS THEREIN SHALL BE CORRECTED. USE OF THE SERVICES IS NOT A SUBSTITUTE FOR HEALTH INSURANCE. THE PROVISIONS OF THIS SECTION SHALL BE IN EFFECT TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

THE COMPANY SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR LOST PROFITS, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, EVEN IF A PARTY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE PROVISIONS OF THIS SECTION SHALL BE IN EFFECT TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. THE COMPANY'S TOTAL LIABILITY, AND YOUR SOLE AND EXCLUSIVE REMEDY FOR ANY CLAIM, UNDER THESE TERMS AND CONDITIONS SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY IN THE MONTH IN WHICH A CLAIM GIVING RISE TO LIABILITY HEREUNDER OCCURS.

If you believe that any content available through our Site or Services infringes a copyright claimed by you, please notify us via email at [email protected]. In addition to identifying the copyrighted material, please include your full name and contact information. We will do our best to ensure compliance with all federal laws governing copyrights.

You shall comply with all applicable international, federal, state, and local laws, rules, and regulations in your use of this Site and the Services.

All notices provided for herein shall be given either by electronic mail, recognized international express courier, postage pre-paid, or by First Class United States Mail, postage pre-paid, to the address listed on the Site in our case, and to the address(es) you listed on our registration page. Notice shall be deemed received two days following tender to such courier and three days following posting by mail.

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Utah, without regard to any applicable conflicts or choice of law provisions. You hereby agree to waive any right you may have to participate in any class, group, or representative action or proceeding, and further hereby agree to waive any right you may have to a trial by jury. In the Company's discretion, the parties hereto irrevocably consent to the exclusive jurisdiction and venue of the federal and state courts of competent jurisdiction located in Washington County, Utah. Neither the United Nations Convention on Contracts for the International Sale of Goods ("CISG") nor the Uniform Computer Information Transactions Act ("UCITA") shall apply. In any action at law or in equity or arbitration to enforce or interpret any provision of these Terms and Conditions, the prevailing party shall be entitled to collect from the non-prevailing party all reasonable costs, fees, and expenses, including attorney fees, costs, and expenses, expert witness fees, deposition transcript fees, postage, long-distance telephone charges, and travel costs.

These Terms and Conditions contains the entire agreement of the parties and supersedes any and all other agreements, whether oral or in writing, between the parties concerning the subject matter hereof. Any modification of these Terms and Conditions shall be effective only if in a writing signed by the parties.

If any provision of these Terms and Conditions is held by a court or tribunal of competent jurisdiction to be invalid, void, or unenforceable, the remaining provisions shall nevertheless continue in full force and effect without being impaired or invalidated in any way.

You shall not assign or sublicense any part of these Terms and Conditions, in whole or in part, without the prior written consent of the Company.