TERMS AND CONDITIONS
1.1. Ecsponent Financial Services Limited t/a MyBucks (“MyBucks”) and its affiliates (being entities that control, are controlled by or are under common control with MyBucks) own and operate the www.mybucks.co.zm website (“Site”).
1.2. By using or browsing the Site, you acknowledge that you have read, understood and agree to be bound to these Terms and Conditions and all applicable laws and regulations. If you do not agree to be bound by these Terms and Conditions, then you must not use this Site.
1.3. We may change these Terms and Conditions at any time and without any notice to you so we suggest that you periodically visit this page to review these Terms and Conditions. By using this Site after we post any changes, you agree to accept those changes, whether or not you actually reviewed them.
3. ACCESS TO THE SITE AND CONSENT TO USE OF PERSONAL INFORMATION
3.1. It is your responsibility to acquire, maintain and licence all computer hardware, software, telecommunications facilities and internet access in order to access this Site. It is your responsibility to ensure that all such hardware, software and facilities so procured by you are compatible with this Site.
3.2. You will be able to access the majority of this website without having to register any details with us.
3.3. To the extent that you do register any of your personal details on this Site, you consent to MyBucks, its affiliates and agents using your details to contact you for purposes of:
3.3.1. marketing to you,
3.3.2. contacting you in connection with the products and services offered by MyBucks; and
3.3.3. internal analysis and statistical reporting.
4. SITE CONTENTS
4.1. This Site is the website of MyBucks and the content of this Site is determined solely by MyBucks.
4.2. All materials, including images, details, data, illustrations, designs, icons, photographs, video clips, text, software, graphics, scripts, logos, and other materials that are part of this Site (collectively, the “Contents”) are owned exclusively by MyBucks, its affiliates and/or its content providers. The Contents are protected by copyrights, trademarks, service marks, trade dress and other intellectual or ownership rights owned by MyBucks. Any rights not expressly granted in the Terms and Conditions are reserved for MyBucks.
4.3. All other trademarks and service marks appearing on any of the Site that are not owned by MyBucks are the property of their respective owners.
5. USE OF SITE AND RESTRICTIONS
5.1. This Site and its Contents may be used solely for your own personal, educational and/or non-commercial and legal use.
5.2. Any other use of the Site or the Contents is strictly prohibited, including, without limitation, modification, removal, deletion, transmission, publication, distribution, proxy caching, uploading, posting, redistribution, re-licensing, selling, duplicating, republication or any other dissemination without the express written permission of MyBucks or the owner.
5.3. You may not use any framing techniques to enclose any trademarks or logos of MyBucks nor use any meta tags or other hidden text without our prior written consent. You may not link to the Site without our prior written consent. Use of spiders, robots and similar data gathering and extraction tools is expressly prohibited.
5.4. You may view and print a copy of the Contents displayed on the Site and download a copy of any Contents that is designated for downloading, for your personal use only but you may not alter the Contents in any way, including, without limitation, removing or modifying any copyright or other ownership notices. The rights, title and interest in the Contents are not transferred to you by copying or downloading the material.
6. NO CREATION OF SERVICES RELATIONSHIP
The information provided on this Site is free of charge and for informational purposes only and does not create a business or professional services relationship between you and MyBucks.
7. ONLINE CONDUCT
7.1. You agree to use the Site only for lawful purposes. You are prohibited from posting or transmitting to or through the Site any material:
7.1.1. unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful material, or any other material that could give rise to civil or criminal liability under the law;
7.1.2. which you are not permitted to so post or send or for which you have not obtained all necessary consents, permits and/or licences;
7.1.3. that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or is otherwise in contravention of the laws of Zambia; and
7.1.4. which is harmful in nature including, and without limitation, damaging code, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.
7.2. We may disclose any content or electronic communication of any kind (including your profile, e-mail address and other information):
7.2.1. to satisfy any law, regulation, or government request;
7.2.2. if the disclosure is necessary or appropriate to operate the Site; or
7.2.3. to protect the rights or property of MyBucks, its affiliates, and you.
7.3. MyBucks shall not be liable for any material which you post or send to or from this Site and reserves the right to remove or modify any such material.
8. ACCURACY OF INFORMATION
8.1. MyBucks uses reasonable efforts to furnish accurate and up-to-date information, but we do not guarantee that any information contained in this Site is accurate, complete, reliable, current or error-free or that the Site will be free from viruses.
8.2. We also are not responsible for any errors or omissions in this Site.
8.3. Although we may modify the Contents, make improvements to the Site or correct any error or omission at any time and without notice to you, we are not obligated to do so.
8.4. We will endeavour to update information in a timely manner but we will not be liable for any inaccuracies.
8.5. Any use you make of the information provided on this Site is entirely at your own risk and MyBucks will not be liable for any loss of data, lost profits or any other damages or losses resulting from your use of this Site.
9.1. Although MyBucks takes all reasonable steps to ensure that this website is available 24 hours every day, this website may be unavailable because of maintenance, upgrades and/or other technical issues. MyBucks will not be –
9.1.1. obliged to notify you of any downtime or unavailability of this Site; and
9.1.2. liable for any claims, losses, damages or expenses incurred by you if this Site is unavailable at any time.
9.2. MyBucks reserves the right, in its sole discretion, to terminate this website or change the domain name or address of this website without notice to you.
10. LINKS TO THIRD PARTY SITES
10.1. Links on this Site may lead to services or sites not controlled or operated by MyBucks. We provide these links for your convenience and information. Links are not an endorsement of the Site or service. We assume no responsibility or liability for other sites or services. Any use you make of any site or service linked to by this Site is entirely at your own risk.
10.2. You acknowledge and agree that we are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable, directly or indirectly, for the privacy practices or the content (including misrepresentative or defamatory content) of such websites, including (without limitation) any advertising, products or other materials or services on or available from such websites or resources, nor for any damage, loss or offence caused or alleged to be caused by, or in connection with, the use of or reliance on any such content, goods or services available on such external sites or resources.
10.3. If you would like to insert a link (including, without limitation, hyperlink, frame or metatag) to this Site, you must first obtain the prior written consent of MyBucks to do so, which consent MyBucks is entitled to withhold or refuse in its sole discretion. Any approval granted by MyBucks will be subject (in addition to any other conditions which MyBucks may impose) to the following conditions –
10.3.1. you may only insert a link to a page on this Site but you may not replicate the whole or any part of this Site; and
10.3.2. by inserting a link, you must not in any way imply that MyBucks is endorsing your website, any of its contents and/or any services or products which you may offer.
10.3.3. you do not misrepresent your relationship with MyBucks or present any false information about MyBucks;
10.3.4. you do not link from a website that is not owned by you;
10.3.5. your website must not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the laws of Zambia; and
10.3.6. you fully indemnify MyBucks for any loss or damage suffered as a result of inserting or providing such a link.
11. DISCLAIMER OF WARRANTIES AND LIMITATIONS OF LIABILITY
11.1. THIS SITE AND ITS CONTENTS ARE PROVIDED BY MYBUCKS “AS IS” AND “AS AVAILABLE” WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND WHETHER EXPRESS OR IMPLIED. MYBUCKS EXPRESSLY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
11.2. IN NO EVENT WILL MYBUCKS BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, COMPENSATORY, SPECIAL, CONSEQUENTIAL, OR OTHER DAMAGES OF ANY KIND WHATSOEVER, LOSS OF DATA, INCOME OR PROFIT, LOSS OF OR DAMAGE TO PROPERTY, BUSINESS INTERRUPTION, OR LOSS OF PROGRAMS OR DATA, ARISING OUT OF OR IN CONNECTION WITH THIS SITE, ANY SITE OR SERVICES LINKED THROUGH THIS SITE, OR ANY COPYING, DISPLAY OR USE THEREOF, REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, EVEN IF MYBUCKS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES THAT RESULT FROM ANY MISTAKE, OMISSION, VIRUS, DELAY OR INTERRUPTION IN OPERATION OR SERVICE REGARDLESS OF THE REASON. MYBUCKS WILL NOT BE LIABLE FOR LOSSES OR DAMAGES ARISING OUT OF OR ANY WAY RELATED TO ANY THIRD-PARTY WEB SITES OR THEIR CONTENT ACCESSED THROUGH LINKS IN THIS SITE, YOUR USE OF THIS SITE OR YOUR USE OF ANY EQUIPMENT OF SOFTWARE IN CONNECTION WITH THIS SITE.
11.3. SUBJECT TO ANY APPLICABLE LAWS, NEITHER MYBUCKS, NOR ITS AFFILIATES AND THEIR RESPECTIVE DIRECTORS, SHAREHOLDERS, AGENTS, CONSULTANTS OR EMPLOYEES OR ANY OTHER PARTY (WHETHER OR NOT INVOLVED IN PRODUCING, MAINTAINING OR DELIVERING THIS WEBSITE), SHALL BE LIABLE OR RESPONSIBLE TO YOU OR ANY THIRD PARTY FOR ANY LOSS, DAMAGE OR EXPENSE OF WHATSOEVER NATURE THAT YOU OR ANY THIRD PARTY MAY SUFFER AS A RESULT OF ACCESSING AND/OR USING THIS SITE. THIS EXCLUSION SHALL INCLUDE, WITHOUT LIMITATION, SERVICING OR REPAIR COSTS AND ANY OTHER DIRECT, INDIRECT OR CONSEQUENTIAL LOSS.
11.4. Certain laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply but liability shall be limited to the fullest extent permitted by law.
You agree to indemnify and hold harmless MyBucks, its affiliates and their respective directors, shareholders, agents, consultants or employees or any other party from any third party claim, action, demand, loss or damages (including attorneys’ fees and costs) arising out of or relating to your violation of these Terms and Conditions, your use of the Site or your violation of any rights of a third party.
13. REMEDIES FOR VIOLATIONS
MyBucks reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions, including but not limited to the right to block access from a particular IP address.
14. FEEDBACK AND OTHER SUGGESTIONS
15. APPLICABLE LAWS AND EXCLUSIVE JURISDICTION
15.1. This Site and the Contents are displayed solely for the purpose of promoting MyBucks’ services available in Zambia.
15.2. This Site is controlled and operated by MyBucks from its offices in Zambia.
15.3. You are responsible for complying with the laws of the jurisdiction from which you are accessing this Site, and you agree that you will not access or use the information on this Site in violation of such laws.
15.4. These Terms and Conditions and your use of this Site will be governed by the laws of Zambia, without regard to any conflict of law provision. You agree to submit to personal jurisdiction in Zambia and that any cause of action arising under these Terms and Conditions will be tried and litigated exclusively in the courts located in Zambia.
15.5. No failure or delay to exercise any of MyBucks’ rights will be construed as a waiver of any such right, whether express or implied, nor will it affect the validity of any part of these terms and conditions or prejudice MyBucks’ rights to take subsequent action against you.
We have the right, but not the obligation, to monitor any activity and content associated with this Site. We may investigate any reported violation of these conditions or complaints and take any action that we deem appropriate (which may include, but is not limited to, issuing warnings, suspending, terminating or attaching conditions to your access and/or removing any materials from this Site).
17.1. If there is a determination that any provision of these Terms and Conditions is invalid or unenforceable, that determination will not affect the rest of these Terms and Conditions. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or under these Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in these Terms and Conditions are for convenience only and have no legal or contractual effect.
17.3. MyBucks shall be entitled to cede, assign and transfer any of its rights and obligations under these terms and conditions without obtaining your consent and without notice to you. Any of MyBucks’ rights under these terms and conditions are expressed for the benefit of the affiliates of MyBucks and shall be capable of acceptance by them, whether expressly or tacitly.
In the event of any question relating to this Site, please email us email@example.com or call us on +260 211 230 106/137.
19. MYBUCKS DETAILS
19.1. MyBucks makes the following disclosures –
19.1.1. Name, status and registration number: Ecsponent Financial Services Limited t/a MyBucks, a company incorporated under the laws of Zambia, with registration number 120140124263.
19.1.2. Physical address and domicilium: MyBucks, Finance House, Heroes Place, Lusaka, Zambia.
19.1.3. Telephone number: +260 211 230 106/137
19.1.4. Website address: www.mybucks.co.zm
19.1.5. Email address: firstname.lastname@example.org
19.1.6. Directors: Honourable Justice Mathew Micha Samson Wathaba Ngulube (Chairman), Mr. Suresh Kumar Gupta, Ms. Mutale Delores Chilangwa Chisela, Mr. Walter Tineyi Kambwanji, Mr. Mark John Vivier, Barkat Ali (Managing Director/CEO).
19.1.7. Regulatory registrations: MyBucks is licenced to operate a Financial Institution, Licence No.: FIL 130/2018
19.1.8.Terms relating to supply of goods/services: Our standard terms and conditions relating to loans and accounts are available on this website. Any specific terms and conditions relating to individual agreements will be set out in the agreements that will be provided to you.
1. INFORMATION ABOUT OUR ORGANIZATION AND WEBSITES
2.2. The Websites may provide links to third-party websites for your convenience and information.
2.3. If you access those links, you will leave the Websites. We do not control those sites or their privacy practices, which may differ from our own privacy practices.
2.5. We do not monitor or control the information collected by such sites or the privacy practices of any third parties, and we are not responsible for their practices or the content of their sites.
3. TYPES OF INFORMATION WE COLLECT AND USE
3.1. In this policy, “personal information” or “personal data” means information about an identifiable individual or entity that is subject to protection.
3.2. “Personal information” or “personal data” is information that is of a personal or private nature and which identifies you or relates to you. This information may include, without limitation, details of your name, age, identity number, home and/or postal and/or work addresses, telephone numbers and other contact details, details relating to your liabilities, income, expenses, payment records, financial information and banking details such as account numbers.
3.3. The Websites collect information through a variety of different ways and for different purposes as set out herein.
3.4. Contacting MyBucks via the Website
3.4.1. If you choose to contact us via a Website you will be requested to provide contact information (name, email address and telephone number).
3.4.2. We use this information pursuant to our legitimate business interests to provide our services and/or to contact you about the services on our site in which you have expressed interest.
3.4.3. We may also use your contact information to send you information about other MyBucks products and services, having obtained your consent in accordance with applicable law.
3.4.4. Through the Websites, you can request information and locate marketing and support materials.
3.5. Applying for a product/service
3.5.1. In order to apply for a product or service from us, we will request certain information from you which will be used for contract performance purposes.
3.5.2. You will need to provide contact information (such as name, email and contact number) and financial information (such as credit card information, banking and affordability information, address, corporate information).
3.5.3. If we collect credit card information from you, we only use this information for payment processing and fraud prevention. Credit card information and other similar sensitive personal data are not used for any other purpose by the Institution without your express consent. We do not retain your credit card information after processing a payment unless you grant us permission to retain your credit card information for future payments.
3.6. Technical information collected
3.6.1. The Websites automatically collect technical information about your visit (such as browser type, Internet service provider, platform type, internet protocol (IP) addresses, referring/exit pages, operating system, date/time stamp).
3.6.2. We aggregate this information for reporting about the Websites to analyse trends, diagnose problems with our server and administer the Websites, to track user movement and use, and to gather broad demographic information.
3.6.3. See 'Cookies Policy' for more information.
3.7. Purpose and consent
3.7.1. You agree that MyBucks may collect, store, analyse and use any information (including your personal information) and may transfer such information to its employees, officers, directors, agents and sub-contracts (who are bound by obligations of confidentiality) for the following purposes –
(a). to establish and verify your identity and contact information;
(b). the assessment of any applications for accounts, loans, goods or services provided by MyBucks now or in the future, including the pre-assessment of any potential loans, services or product offerings which may be made to you by MyBucks;
(c). the implementation or enforcement of any commitment made, or obligation assumed by and any right of MyBucks in terms of a contract;
(d). developing, maintaining and improving the Website and/or MyBucks’ services and/or MyBucks product offerings (including account and credit products);
(e). to communicate with you regarding existing or potential transactions or claims, new or existing services and/or product offerings (including credit and account products), competitions or promotions;
(f). notifications regarding changes or improvements in services and/or product offerings may be sent to you;
(g). to provide you with value-added service offerings (if any) and may include customized offerings to suit your requirements;
(h). to analyse and compile reports and databases for purposes of research (including, without limitation, product research, market research), developing credit scoring and other business models, statistical analyses and reporting, determining browsing habits and usage.
3.8. Information sharing
3.8.1. We may be required by law to share information with third parties.
3.8.1. For example, we may be required to disclose information as a result of a court order, subpoena or warrant. In addition, we may, subject to applicable law, voluntarily provide information in order to assist in a law enforcement investigation or where the disclosure is necessary to protect our rights, systems, our business or the rights of others.
4. SHARING OF INFORMATION AND CROSS-BORDER TRANSFERS
4.1. We contract with third-party service providers and suppliers to deliver complete products, services and customer solutions described above.
4.2. These service providers may change, or we may contract with additional service providers to better accommodate our customers.
4.3. If we transfer your personal data to affiliates or third parties, we require the recipients of your personal data to safeguard your personal data using administrative, technical and security procedures, however, your personal data will also be subject to the laws of the jurisdiction governing our affiliate or the third party.
4.4. Your personal data may be transferred across country borders to our affiliate companies in order to provide our services to you.
4.5. Residents of the European Economic Area (“EEA”) and Canada should understand that your personal data may be transferred outside of the EEA and Canada to other countries for the purposes of data consolidation, storage, simplified customer information management, reporting and other internal uses.
5. COOKIES AND OTHER DIGITAL MARKERS
5.2. Cookies and digital markers are small computer files that may be stored on your computer’s hard drive or embedded in our website pages that enable us to identify you and track your visit on the Website.
5.4. You may disable cookies on your computer by changing the settings in the preferences or options menu in your browser. If you choose to disable cookies, you may not be able to access certain areas of the Website.
6. CHILDREN’S PRIVACY
The Institution is committed to protecting the privacy needs of children and we encourage parents and guardians to take an active role in their children’s online activities and interests. The Institution does not knowingly collect information from children under the age of 13 and we do not target the Websites to children under 13.
7. YOUR CHOICES AND OPTING-OUT
7.1. We give you the choice of receiving a variety of information that complements our products and services. You can subscribe to receive certain product-and service-specific information and group-wide marketing communications. Such communications may include new product information, special offers, or an invitation to participate in market research.
7.2. If you no longer wish to receive our promotional communications, you may opt-out of receiving them by following the instructions included in each communication including by contacting us at email@example.com.
8. ACCESS TO AND ACCURACY OF YOUR INFORMATION AND YOUR OTHER RIGHTS
8.1. In certain jurisdictions, notably South Africa, the European Union and the United Kingdom, you have a right to:
(a). ask us for a copy of your personal information; to ask us to correct, delete or restrict (stop any active) processing of your personal data and to obtain the personal data you provide to us for a contract or with your consent and to ask us to share (port) this data to another data controller;
(b). object to the processing of your personal information by us in some circumstances (in particular, where we don't have to process the data to meet a contractual or other legal requirement, or where we are using the data for direct marketing).
8.2. These rights may be limited, for example if fulfilling your request would reveal personal data about another person or breach the privacy rights of others, or if you ask us to delete information which we are required by law to keep or have compelling legitimate interests in keeping. To exercise any of these rights, please contact firstname.lastname@example.org.
8.3. If you have unresolved concerns, you have the right to make a complaint to the data protection supervisory authority where you live, work or where you believe a breach may have occurred.
9. KEEPING YOUR INFORMATION SECURE
9.1. We do not guarantee or warrant the security of our servers nor can we guarantee that information you supply through the Website will not be intercepted while being transmitted over the Internet.
9.2. We follow generally accepted industry technical standards to protect the personal data submitted to us, both during transmission and once we receive it.
9.3. Where we process personal information for marketing purposes or with your consent, we process the data until you ask us to stop and for a short period after this (to allow us to implement your requests).
10. DISCLOSURE OF YOUR INFORMATION IN CERTAIN CIRCUMSTANCES
10.1. MyBucks may share any information which it collects from you through the Website or other electronic means with third parties in the following instances –
(a). If the equity in MyBucks is sold to a third party or if MyBucks sells or outsources all or a portion of its business or assets to a third party;
(b). To any affiliate of MyBucks, such as subsidiaries, holding companies and their subsidiaries;
(c). To third parties engaged by MyBucks to render services to it or on its behalf;
(d). Where it is compelled to do so by law, regulation or by-laws or in terms of a court order or at the direction of any regulatory or governmental authority;
(e). Where MyBucks needs to protect or enforce its rights or is required to do so to protect the rights, property or safety of the public; and
(f). For fraud detection and prevention purposes.
11. BUSINESS TRANSITIONS
11.1. In the event that we go through a business transition, such as a merger, acquisition by another company or sale of all or a portion of its assets, your personal information will likely be among the assets transferred.
12. GENERAL PROVISIONS
12.1. This policy will be governed by and construed in accordance with the laws of Zambia.
12.2.This policy, as amended from time to time by MyBucks in its sole discretion, constitutes the entire agreement between you and MyBucks in relation to the subject matter hereof.
12.3. If any of the provisions of this policy are held to be invalid, unlawful or unenforceable, such provision will be deleted from the remaining provisions, which will continue to be valid to the full extent permitted by the law.
12.3. The provisions of this policy must be read in conjunction with the terms and conditions pertaining to this website and shall be deemed to be incorporated in those terms and conditions.
12.3. MyBucks shall be entitled to cede, assign and transfer any of its rights and obligations under this policy without obtaining your consent and without notice to you. Any of MyBucks’ rights under this policy are expressed for the benefit of the affiliates of MyBucks and shall be capable of acceptance by them, whether expressly or tacitly.
13. TERMS AND CONDITIONS
1. WHAT ARE COOKIES
1.1. Cookies are tiny text files that are stored on your computer, tablet or mobile phone.
1.2. They are NOT harmful to your computer or your security and despite misconceptions, are nothing to do with viruses like 'Trojans'.
1.3. When you visit a website, Cookies allow the website to 'remember' you and how you’ve used the website each time you come back, which means you get a much better online experience.
1.4. If you want to know more about cookies there is lots of information readily available online.
2. WHAT IF I WANT TO CONTROL MY COOKIE PERMISSIONS?
3.2. A so-called “User ID” will be used on the Site. The User ID functions as your alias in Google Analytics. Google connects your online behaviour and the User-ID to a profile. Google Analytics tracks your activities on an anonymised basis across multiple devices (tablet, PC, smartphone, etc.).
3.3. The information generated by the cookies about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States.
3.4. Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for us and providing other services relating to website activity and internet usage.
3.5. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf.
3.6. Google will not associate your IP address with any other data held by Google.
3.7. Google only receives the User-ID, not the information contained in the above-mentioned profile or other personal data of yours.
3.8. A summarised version of the profile created is accessible to us. We do not attach any other of your personally identifiable data to the profile connected to a User-ID.
3.9. You can opt out of tracking via User ID by sending an e-mail to email@example.com.
3.11. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
3.12. Further information about cookies is available at http://www.aboutcookies.org.
4. USER AGREEMENT
4.1 By continuing to use our site, you agree to the placement of cookies on your device. If you choose not to receive our cookies, we cannot guarantee that your experience will be as fulfilling as it would otherwise be.