Terms of Service

Last Revised: July 13, 2022

The following Terms of Service ("Terms of Service", "Terms of Use", "Agreement") for CreationsRewards.Net LLC ("CreationsRewards", "Company" , "we," "us," or "our"), govern your access to and use of our website located at www.creationsrewards.net, as well the CreationsRewards app for smartphones and tablets. This includes content, functionality, and services offered on or through our website or app. ("Website").

Acceptance of Terms of Service

Please read this Terms of Service document in its entirety before using the website or app. By using the Website or App, you agree to, and are bound by, this Terms of Service Agreement, as well as our Privacy Policy (www.creationsrewards.net/privacy-policy), which is incorporated herein by reference. If you do not agree to this Terms of Service or Privacy Policy, then you must not access or use the Website.

By using the Website, you represent, warrant and covenant that you: have the power and authority to enter into, and be bound by, these Terms of Service. You shall use the Website only as permitted by these Terms of Service, and not for any unlawful purpose. You are 18 years of age or older. If you are under the age of 18, you are not allowed to use the Website. Some sections on the Website may be subject to additional age restrictions.

You acknowledge that you have read and understood this Terms of Service Agreement ("Agreement"), and that this Agreement has the same force and effect as a signed agreement. All rights not expressly granted herein are hereby reserved.

Changes to Terms of Service

From time to time, we may revise and update our Terms of Service Agreement in our sole discretion, with or without notice. All changes are made effective immediately when posted, and apply to all access to and use of the website.

Continued use of the website following the posting of the Terms of Service update means that you accept and agree to the changes. You are expected to review our Terms of Service page from time to time to be aware of any changes, as they are binding to you.

Suspension or Modification of the Website

We reserve the right to amend, modify, or withdraw the website and any product, service, or content, provided on or through our website in our sole discretion, without notice to you. We are not liable, if for any reason, that all or part of our website is not available to you, at any time, and for any period of time. From time to time, certain areas of the Website may be restricted, to any or all users of the Website.

Account Registration & Membership Rules

CreationsRewards members ("members") must be at least 18 years of age, or older. People who are under the age of 18 are not permitted to register for a CreationsRewards account.

Members must reside in one of the 50 states of the United States. Persons located in any other US territory are not eligible to register for an account. Members may also reside in Australia, Canada, or the United Kingdom. All persons located in other countries not listed are not eligible to become a member of CreationsRewards.

Members are allowed to have one account per household. Multiple accounts in a single household are not permitted. Members can only have one account per computer or Internet connection.

Members can only access CreationsRewards, and their account, from their own personal computer, device (smartphone, tablet) and Internet connection. The use of a public or shared computer, proxy server, VPN service, or public Internet connection is not allowed, and members risk account termination for doing so. Members are not permitted to access CreationsRewards via VPN or proxy services.

If you register for an account, you are solely responsible and liable for the security of your account access credentials, and for restricting access to your device, as well as all activity related to your account. The account may only be setup by an authorized representative of the individual that is the subject for the account. Passwords must be personal and unique, and must not violate the rights of any person, and must not be offensive. We may reject the use of any email address or password for any reason, in our sole discretion. Member is responsible for keeping their registration information updated and maintained. Member will notify us immediately of any unauthorized account activity, such as the account, password, or any other breach of security, however, member will be responsible for any unauthorized use thereafter. Member will also not sell, transfer, or assign their account or any account rights.

Third Party Opportunities

Users who register for a CreationsRewards account have access to third party opportunities. This includes, but is not limited to, taking surveys, shopping online, watching videos, and participating in various offers. (Each defined as a "Third Party Opportunity") The user can obtain various incentives to redeem for rewards, which may be offered from time to time. Each third party company or provider of said third party opportunity will be referred to herein as an Advertiser.

You must be 18 or older to obtain an account and participate in any Third Party Opportunity.

CreationsRewards is under no obligation to provide members with any minimum or maximum amount of point earning this party opportunity offers. CreationsRewards makes no promises or guarantees in the amount of points that members can earn on CreationsRewards.

Account Inactivity

To be defined as an active member of CreationsRewards, member must earn at least 1 point within a six month period, from "revenue" areas of our website. Effective July 2, 2022, points earned from Promo Codes and bonus point offers do not count toward maintaining an active account.

Prior to July 2, 2022, points earned from Daily Trivia, Bonus Points, Scratch Games, or any item in the "win" or "promo" areas do not count toward keeping your account active.

Members that do not earn at least 1 "revenue" point, defined above, within a six month period will forfeit their entire point balance, including any pending reward redemptions, if any. Inactive accounts cannot have point balances and/or pending redemptions reinstated. The point balance will be reset to 0.

Members who have referrals will only earn points for their referred user's activity if their account is in active status. Inactive accounts cannot earn referral points.

Referring Members

A referral is a member of CreationsRewards who registered using another member's referral link.

Referrals must be unique and valid members. Members cannot signup other people on their behalf using their referral link. Referrals must not reside in the same household, or use the same Internet connection.

Any member who fraudulently abuses the referral system is subject to account termination, losing all earned points and pending rewards, as well as legal action by CreationsRewards against said member.

Members cannot tell their referrals how to complete offers in order to earn rewards. Members must use the CreationsRewards website, or app, on their own, without guidance on how to complete offers.

If a member's account is flagged for possible referral abuse, CreationsRewards will review the account. If fraudulent activity is found, member's account will be terminated, forfeiting all points earned as well as any pending rewards requested.

Members cannot refer each other. Only persons that are not current or former members are counted as referrals. In addition, accounts may not be combined.

Crediting of Points and Third Party Opportunity Terms

Unless permitted by the terms and/or conditions of a specific Third Party Opportunity, and except for shopping and "Daily Surveys", you are not permitted to participate in the same Third Party Opportunity more than once. If you are not sure whether you can participate more than once, Member should contact Customer Care for assistance.

Members are responsible for making sure that their point account balance is corrected, and that completed transactions are posting correctly. If there are any problems, member should contact Customer Care for assistance.

Member is responsible for making sure all settings on their Device (computer, smartphone, tablet, etc.) are correct. These responsibilities include making sure that cookies are properly configured, spyware software, and firewalls have proper permissions, and that member is not marking emails from CreationsRewards as spam, or otherwise blocking our email.

Member is responsible for providing complete and valid information for each Third Party Opportunity. Members are not permitted to claim, and will not be credited for, incentives or rewards for Third Party Opportunities that were not completed in full, or for which the terms of said Third Party Opportunity were not complied with.

We only credit accounts based upon our receipt of confirmation from the Advertiser that the member has fully completed with all applicable terms and conditions of the said Third Party Opportunity. Advertisers provide CreationsRewards with reporting information that is used to credit all valid transactions to accounts. Members cannot contact the Advertisers of CreationsRewards regarding offer crediting. CreationsRewards will not be held responsible or liable for the delays or failures to credit accounts in such an event that the Advertiser fails to provide CreationsRewards with proper reporting information.

Members can only complete offers which they have never completed in the past, either through CreationsRewards, another website, directly, etc. CreationsRewards is not responsible for any typos present on our website. This includes, but is not limited to, misrepresenting the point value of an offer presented. CreationsRewards can change the point value of a survey, offer, shopping merchant, etc., at any time, with or without notice to members.

Members must complete offers which they have a real interest in. If a member fraudulently signs up for offers only to collect the point reward offered, member risks having account terminated for fraudulent behavior and will forfeit all points and rewards.

Members must provide valid information to offer websites. Any false information submitted by member to an offer, survey, etc., will have member's account terminated for fraud.

Direct linking to CreationsRewards Advertisers is strictly prohibited. Direct linking is defined as linking direct to a sponsor to collect points, without actually viewing the Advertiser Third Party Opportunity before Member accesses it, or accessing a link or other URL to collect points that did not originate from the CreationsRewards website. Members found to be using outside links will be terminated for fraud abuse.

CreationsRewards does not guarantee that all offers will track and credit successfully. If a member completes an offer, survey, etc., and does not receive point credit, member agrees that CreationsRewards will not issue points nor will CreationsRewards provide recourse.

Sometimes, a Third Party Opportunity may redirect a member to a different website than expected. If this occurs, member should not complete the offer, as redirected offers do not qualify for point credit.

If Member completes a Shopping Transaction, but later returns the item, applies an invalid coupon code or created an invalid order or Advertiser reports to CreationsRewards that Member did not use CreationsRewards' Link, CreationsRewards reserves the right to reverse all points awarded on the particular transaction. If CreationsRewards Advertiser reports are adjusted to a different amount than originally credited to Member, CreationsRewards will adjust Member's account to match CreationsRewards Advertiser Reports.

CreationsRewards assumes no liability for any part in participation on advertiser and sponsor websites. Member understands that there can be a delay in the crediting of member accounts for completed offers and/or shopping through the CreationsRewards website.

If the advertiser fails to properly report various transactions to CreationsRewards, CreationsRewards is not responsible for any lost points that can arise from the particular situation. CreationsRewards shall not be liable for any damages and/or losses that can result from participating on the CreationsRewards website or app.

Sometimes, a Third Party Opportunity may offer an additional incentive to participate in an additional third party opportunity. This can be, but is not limited to, an additional survey, a focus group, or a follow-up survey. Each of these is deemed as a Third Party Opportunity, and any related incentives offered directly from the Third Party Opportunity will not be credited to member's CreationsRewards account. The applicable Advertiser is responsible for providing the applicable additional incentives offered. We have no obligation to provide such incentives, and do not provide any customer service for them.

Account Termination and Cancellation

A member's account can be terminated and all earned points and pending rewards forfeited including, but not limited to, the following reasons.

• A member violates any part of this Terms of Service document.
• A member spams their referral link in places where it is not wanted.
• A member attempts to circumvent fraud prevention measures or earns points without actually completing the offer/survey/etc.
• A member is determined by CreationsRewards to be suspected of fraudulent activity on their account.
• A member posts information online that tells other people how to complete offers in order to earn points and encourages fraud.
• A member can cancel their account by logging into CreationsRewards, clicking the "My Profile" link, and confirm to close their account at the bottom of said page. Member will be asked if they are sure that they want to close their account, and will need to input their CreationsRewards account password for verification. Upon completing this action, the account is immediately deleted, and any and all earned points, and any pending rewards, will be forfeited immediately upon termination. This action is not reversible, and all points and rewards will be lost.
• If a member decides to terminate or cancel their account and later states it was a mistake, member would have to register again for CreationsRewards. Any earned points and pending rewards will not be reinstated, as member is given ample chance to not confirm said cancellation.

Other Terms

A member cannot transfer their account to any other person.

If a member does not want to receive our daily survey emails, member can edit their email preferences via the "My Profile" area on CreationsRewards, or by using the URLs located in the footer of an email received from CreationsRewards. Member can opt-out of individual daily survey invites. Changes to preferences take 72 hours to propagate to all servers.

Member will still receive CreationsRewards newsletters and other types of general email from CreationsRewards.

Member agrees that emails received are not commercial emails, as member has agreed to receive such mail at time of registration by agreeing to this Terms of Service Agreement.

Members who mark our emails as "spam" or "junk" may have their account terminated.

Members are only rewarded for reading an email sent by CreationsRewards if the email explicitly states that the member will earn points for doing so.

A member of CreationsRewards is not an employee, stockholder, or any other vested interest in CreationsRewards. A member of CreationsRewards would have the relationship of an independent contractor.

No Waiver. If you do not comply with these terms, and we do not take action right away, we are not waiving our right to take action in the future.

Point Redemption and Fulfillment

Points accumulated on CreationsRewards do not have a cash value and cannot be transferred or sold. CreationsRewards reserves the right to limit the number of available rewards at any time for any point redemption section.

Once a member redeems points for a reward, member cannot change and/or cancel the redemption. All redemption requests are final.

Each redemption is verified to ensure the Member did not violate any parts of this agreement as well as verify all transactions against CreationsRewards Merchant Reports to ensure CreationsRewards was properly credited for each transaction.

All point redemptions are processed by CreationsRewards. Members should not contact Advertisers, or the Merchant the redemption is for, regarding CreationsRewards redemption fulfillment.

Point redemptions are typically processed within 7 to 14 days, however, we reserve the right to review your account transactions to ensure that said transactions were completed with valid, accurate, and complete information. Account reviews can take up to 90 days to complete, during which the reward redemption will remain under pending status. CreationsRewards will be manually validating your transactions with the Advertisers member completed transactions with. If it is determined member's account transactions were deemed fraudulent, the reward redemption will be reversed, and member's account will be terminated for fraud. Member will not be permitted to re-register for a CreationsRewards account.

CreationsRewards does not guarantee a timeframe in which rewards will be issued.

If a member is located in the United States, and redeems for rewards with a yearly aggregate total of $600 or more, member must notify CreationsRewards for us to provide member with the proper tax forms. Member will be required to complete a W9 tax form, for which CreationsRewards will issue a 1099 tax form at the conclusion of the calendar year. It is member's sole responsibility to track the value of their reward redemptions, and to timely contact us once the $600 threshold is reached.

Member is responsible for any and all tax liability arising from, or associated with, using CreationsRewards. CreationsRewards encourages members to consult with a tax professional in order to determine the tax consequences of member's use of CreationsRewards, and any associated rewards redeemed.

CreationsRewards does not charge any extra fees for redemptions. The point value listed on the redeem points page is the point value required to receive the item. CreationsRewards is not responsible for any additional fees incurred, including but not limited to: PayPal fees, gift card inactivity fees, etc.

During our fraud prevention process, member may be asked to provide a document verifying their identity to us, which typically includes a driver's license. Member can fax or email us a copy of requested document, blacking out sensitive information, such as the driver's license number.

In order to request a redemption on CreationsRewards, member must have at least 1,000 points in their account. We do not issue any redemptions for any other amounts other than those listed within our redemption page.

If a member's reward is returned to us as undeliverable, CreationsRewards will contact member to have it reissued. For electronic redemption items, there is no fee. For any items that are mailed, CreationsRewards will assess a 500-point reissue fee to cover processing time and cost.

Violations

If CreationsRewards believes, in our sole discretion, that member has violated any provision of this Terms of Service, CreationsRewards has the right to immediately freeze, disable, and/or close member's account without providing any rewards, regardless of point balance and member standing, and/or reverse any and all points related to your account.

CreationsRewards reserves the right to request a valid form of identification or other evidence, if CreationsRewards believes, in its sole discretion, that member's account is being used in a way that violates these Terms of Service.

Errors

Any incentives and/or points gained as a result of any error, mistake, omission, or other issue (which includes technical issues, and typographical errors), will be voided, and the account will have the point credit reversed. If there are pending redemptions related to the Error, the redemption will be reversed and cancelled. If member has already received a redemption reward in relation to the error, the member will be contacted and asked to return it to CreationsRewards. If member fails to return the reward redemption when requested, CreationsRewards may terminate member's account, and CreationsRewards may exercise any rights under applicable law.

Third Party Opportunities are not owned by CreationsRewards. CreationsRewards is not responsible for any errors related to a Third Party Opportunity, which includes technical issues, typographical errors, etc. CreationsRewards does not have the ability to correct said errors. Members can report Errors related to Third Party Opportunities by contacting Customer Care, providing Customer Care with as much information as possible in regards to the problem experienced.

CreationsRewards will investigate errors reported, and use commercially reasonable efforts to troubleshoot and investigate the error. It is the responsibility of the Member to alert CreationsRewards about any errors, and to refrain from engaging in further Third Party Opportunities until the error has been troubleshooted.

Ownership

The CreationsRewards website, as well as its entire contents, features, functionality, software, images, etc., are owned by, and will continue to be owned by, CreationsRewards.Net LLC. Under no circumstances will you acquire any ownership rights, or other interest, in any content by or through your use of the Website.

CreationsRewards, and all related names, logos, designs, and slogans, are trademarks of CreationsRewards.Net LLC or its affiliates. You may not use such marks without prior written permission of CreationsRewards.Net LLC. All other names, logos, designs, and slogans on the Website are trademarks of their respective owners.

The use of any logos, names, designs, slogans, or trademarks of any third party does not imply we have any type of association with the third party, nor are these companies sponsors or co-sponsors of our promotions and/or program.

Limited License

Subject to compliance with the Terms of Service, CreationsRewards grants you a limited, non exclusive, revocable, non-assignable, personal and non-transferable license to download to temporary storage only, display, view, use, or print one copy of the Content, excluding source code, for your personal and non-commercial usage. You must not reproduce, redistribute, modify, publicly display, publicly perform, republish, download, store or transmit any of the content. Further, you agree that you will use the Website in compliance with all applicable laws, and not for any purpose that is prohibited by this Terms of Service.

Linking to Our Website

You may link to our website, provided you do so in a way that is legal and fair, and does not damage our reputation, or take advantage of it. You must not establish a link in such a way to suggest that you are associated with CreationsRewards, or in such a way to imply an approval of endorsement, without our explicit permission.

Social Media

We may have features on our Website that enable you to link to ours, or third party websites. We may have features that enable you to send emails or communications to others, including website content, including content owned by us or a third party. We may have features that enable you to upload photos to our website. We may have social media links that directly link to our social media pages. You may only utilize these features, as provided by us, in accordance to these Terms, as well as any Terms that may be provided with regard to such features.

Subject to the foregoing, you must not: share or post content or materials that you do not have a valid license for. You must not share or post content with violate the intellectual property rights of CreationsRewards or third parties. You must not establish a link to our website from a website that is not operated by you. You must not link to our website which only displays a portion of it, such as in a frame, i-frame, deep linking, etc.. You must not interfere with the operation of our social media pages.

You further understand that CreationsRewards is not responsible for the content occurring on third party social media sites, and you agree to review and comply with the applicable terms of service and privacy policies of such third party websites.

We may choose, in our sole discretion, to disable access to social media features and links on our website, at any time, and without any notice to you.

Acceptable Use Policy

You may use our Website for only lawful, personal, non-commercial purposes, and in accordance with this Terms of Service.

You agree:

• You cannot use proxy servers, VPNs, robots, spiders, or other automated applications, devices, processes, or means to access our website for any purpose. All visits and transactions on our website are logged in detail. Details include length of visit, IP address, operating system, browser information, Internet Service Provider, pages visited, etc.
• You cannot complete any Third Party Opportunities by pixel manipulation, providing false information, manipulating point balances, or using other methods, to increase your point balance through fraudulent or prohibited means.
• You cannot use our website in any way that violates federal, state, local, or international law or regulations, which include laws in regards to exporting data outside of the United States.
• You cannot use our website to transmit or send advertising or promotional material, which includes sending junk mail, spam, chain letters, or similar solicitation.
• You cannot use our website to engage in practices that could disable, overburden, damage, or impair the ability for anyone's use or enjoyment of our website, or which, as determined solely by CreationsRewards, may harm the Company or users of our website or expose them to liability.
• You cannot use any manual processes to monitor or copy material from our website without our explicit and prior written approval.
• You cannot use any software, device, or routine that interferes with the proper working of our Website.
• You cannot introduce any viruses, trojan horses, worms, logic bombs, or other materials which is malicious and technologically harmful.
• You cannot engage in phishing, impersonation, data mining, data scraping, or any other attempts to interfere with our business, data security, or website operations.
• You cannot attempt to gain unauthorized access to, damage, or interfere with, the Website, the server in which the Website is hosted on, or any server or computing device that is connected to the Website.
• You cannot attack our website via a denial of service attack, or distributed denial of service attack.
• You cannot otherwise attempt to interfere with the proper working order of our website.

Any prohibited uses will lead to immediate closure of your account with our Website, and any Advertisers involved may also report this activity to the proper authorities, and exercise any and all legal rights, including seeking damages.

Third Party Content

The content provided on our website is solely for general information purposes. We do not guarantee the accuracy, completeness, or usefulness of such content. Any reliance you place on content is solely at your own risk. We disclaim any and all liability and responsibility arising from your reliance placed on the content by you or any other visitor to our website, or any who may be informed of any of the content.

The website includes or displays content provided by the users of the Website, or other third parties. We are not responsible for any third party content, its accuracy, availability, completeness, or any representations may by third parties in connection with our Website.

Any representations conveyed by others in connection with third party content are solely the responsibility of those third parties and not CreationsRewards. We are not responsible for, or liable to you or any third party, for such content or for the accuracy, availability or completeness of any third party content, or for any violations of third party rights which may arise from the availability or display of third party content.

Privacy Policy

All information collected on the Website is subject to our Privacy Policy. By using our Website, you agree to the Terms of Service, as well as our Privacy Policy.

Links to Other Websites

Any links provided to Websites outside of CreationsRewards are provided for your convenience only. We do not control the content of such third party websites. We accept no responsibility for third party websites, or any losses or damages incurred arising from your use of a third party website. If you do access third party websites, you do so entirely at your own risk, and subject to the terms of service and privacy policies of such websites.

Disclaimer of Warranties

Your use of the website, its content, and any services or items obtained through the website, including Third Party Opportunities, is at your own risk, and is provided on an "as-is basis" and "as available basis" without any warranties of any kind, either express or implied.

Neither CreationsRewards nor any person associated with CreationsRewards makes any warranty or representation with respect to the security, completeness, reliability, quality, accuracy, or availability of the website.

We do not guarantee or warranty that the Website, its content, or any services or items obtained from the website will be free from errors.

Further:

• CreationsRewards does not guarantee that you will make any money as a result of using CreationsRewards or by participating in Third Party Opportunities. Further, Third Party Opportunities should not be used as a daily job, or reliable source of income. Nothing on CreationsRewards is promised to guarantee an income, or that members of CreationsRewards will "get rich quick". Each Third Party Opportunity is intended to display potential earning capability only.
• CreationsRewards does not guarantee that each Third Party Opportunity will be active and available at the time you access it.
• CreationsRewards does not guarantee that points, promised rewards, incentives or compensation for Third Party Opportunities will be the same as originally displayed, as these items and values can change any time, at the applicable Advertiser's discretion, and such changes are not always communicated in a timely manner.
• CreationsRewards does not guarantee that you will qualify for any Third Party Opportunities. Qualification depends on multiple factors, including demographics, location, and project availability.

Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT SHALL CREATIONSREWARDS, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS, INCLUDING THIRD PARTY OPPORTUNITIES, BE LIABLE FOR DAMAGES OF ANY KIND, INCLUDING ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR OTHER DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF PROFITS, LOSS OF GOODWILL OR OTHER INTANGIBLE LOSSES, LOSS OF DATA, LOSS OF REVENUE, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, OR LOSS OF USE, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE, ARISING OUT OF OR IN CONNECTION WITH (A) YOUR USE OR INABILITY TO USE THIS WEBSITE; ANY WEBSITE LINKED TO IT; OR ANY CONTENT ON THE WEBSITE OR SUCH OTHER WEBSITES; (B) STATEMENTS OR CONDUCT, WHETHER ON-LINE OR OFF-LINE, OF ANY VISITOR TO OR MEMBER OF THIS WEBSITE, OR (C) ANY OTHER CONDUCT, ACT OR OMISSION OCCURRING AT THIS WEBSITE. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless CreationsRewards, its affiliates, licensors, and service providers, including Third Party Opportunities, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to (i) your violation of these Terms of Use; (ii) your use of the Website, including, but not limited to, use of the Website's content, services, and products other than as expressly authorized in these Terms of Use; (iii) your use of any information obtained from the Website, and (iv) any tax obligations related to your use of the website.

Class Action Waiver

Any proceedings to litigate or resolve any dispute, in any forum, will be conducted solely on an individual basis. Neither you nor we will seek to have any dispute heard as a class action, or in any other proceeding in which either party acts or proposes to act in a representative capacity. No proceeding will be combined with another, without the prior written consent of all parties to all affected proceedings.

Governing Law and Jurisdiction

All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto, shall be governed by and construed in accordance with the laws of the State of New Jersey without giving effect to any choice or conflict of law provision or rule.

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the federal courts of the United States located in New Jersey or the courts of the State of New Jersey located in the County of Somerset. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.