Summary of Key Terms

Thank you for visiting our page and using our platofrm. Please read our terms in order to familiarize yourself with them and how we operate. By questions get in touch.

We maintain and optimize our ecosystem (servers, databases, software, platforms, technology and business partners, etc.) on a regular basis in order to produce the most interesting content for our users and provide you our services. During maintenance we may purge, merge, disassociate, anonymize or update data submitted to us with third party sources, Future Screen Media's network, and our partner network, in order to keep our database up to date and relevant. If we detect that your interests have changed and you are no longer interested in specific industry/topics, we may adjust our content submitted to you accordingly as well as the frequency of which you receive our content. As you continue to use our service we may adjust the content to better match your interests. We do this automatically as well as manually.

If we detect a change in behavior or email (e.g. including but not limited to idle or expired email, job changes, multiple jobs and email addresses etc.), we may suggest to you (via various channels including but not limited to email, social, display, phone, etc.) to opt-in again and transfer your newsletter subscription to your other email before we purge you from our ecosystem. We will not assume consent without your current and future approvals, and unless consented we won't continue your subscription and will purge you from out database.

Furthermore we reserve the right to remove data submitted to us from our database and cancel your newsletter subscription, without any notice or clarification.

LEGAL TERMS

We, B2B Report, operating under the Future Screen Media's brand portfolio, doing business as B2B Report and/or Future Screen Media and/or FSM ("Company," "we," "us," "our"), are a registered company in Germany with our address at

Our operations encompass the website www.b2b.report (referred to as the "Site"), as well as any other associated products and services connected to these legal terms (the "Legal Terms") (collectively, the "Services"). We specialize in providing informative, educational, and entertaining content to keep our users informed within the rapidly changing and evolving business world.

You can reach us by phone at , via email at , or by mail at .

These Legal Terms form a legally binding agreement between you, whether as an individual or representing an entity ("you"), and B2B Report, governing your access to and utilization of the Services. By accessing the Services, you affirm that you have thoroughly read, comprehended, and accepted all of these Legal Terms. IF YOU DISAGREE WITH ANY PART OF THESE LEGAL TERMS, IT IS IMPERATIVE THAT YOU DO NOT USE THE SERVICES AND CEASE USE IMMEDIATELY.

We will provide you with advance notice of any scheduled alterations to the Services you are utilizing. The adjusted Legal Terms will be effective upon publication or notification via email from , as stipulated in the email communication. By continuing to use the Services following the effective date of any changes, you are consenting to be bound by the revised terms.

The Services are designed for users who are at least 18 years of age. Individuals under the age of 18 are not permitted to utilize or register for the Services.

We strongly recommend that you read the full terms below and retain a copy of these Legal Terms for your personal records.

TABLE OF CONTENTS

1. OUR SERVICES

2. INTELLECTUAL PROPERTY RIGHTS

3. USER REPRESENTATIONS

4. USER REGISTRATION

5. PROHIBITED ACTIVITIES

6. USER GENERATED CONTRIBUTIONS

7. CONTRIBUTION LICENSE

8. THIRD-PARTY WEBSITES AND CONTENT

9. ADVERTISERS

10. SERVICES MANAGEMENT

11. PRIVACY POLICY

12. TERM AND TERMINATION

13. MODIFICATIONS AND INTERRUPTIONS

14. GOVERNING LAW

15. DISPUTE RESOLUTION

16. CORRECTIONS

17. DISCLAIMER

18. LIMITATIONS OF LIABILITY

19. INDEMNIFICATION

20. USER DATA

21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

22. CALIFORNIA USERS AND RESIDENTS

23. MISCELLANEOUS

24. CONTACT US

1. OUR SERVICES

The information provided when utilizing our services is not meant for distribution to or usage by any individual or entity in any jurisdiction or country where such distribution or usage would go against the law or regulations or would necessitate our registration within that jurisdiction or country. As a result, individuals who choose to access the Services from other locations do so at their own discretion and are solely responsible for adhering to local laws, to the extent that they are applicable.

It's important to note that our Services are not specifically designed to comply with industry-specific regulations. Therefore, if your interactions are subject to such laws, you may not utilize our services. Additionally, the use of the Services must not contravene the General Data Protection Regulation (GDPR) or the Gramm-Leach-Bliley Act (GLBA).

2. INTELLECTUAL PROPERTY RIGHTS

Our Intellectual Property We are the rightful owner or holder of licenses for all intellectual property rights pertaining to our Services. This includes source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics within the Services (collectively referred to as the "Content"), as well as the trademarks, service marks, and logos featured therein (the "Marks").

Our Content and Marks are safeguarded by copyright, trademark laws, and various other intellectual property rights and unfair competition laws, both domestically within Germany, the EU, and internationally.
The Content and Marks are offered within the Services "AS IS" for your personal, non-commercial use or for your internal business purposes exclusively.

External Intellectual Property
Our services may provide links to, reference, cite, frame, or otherwise utilize external content, which may encompass intellectual property, trademarks, service marks, and logos owned or licensed by third parties. We do not assume ownership or affiliation with this content. Any usage of their content and marks requires their prior approval before any intended personal or business use.

Your Usage of Our Services
Subject to your adherence to these Legal Terms, which encompass the "PROHIBITED ACTIVITIES" section below, we grant you a non-exclusive, non-transferable, revocable license to:

• access the Services; and
• download or print a copy of any portion of the Content to which you have rightfully gained access,
• solely for your personal, non-commercial use or your internal business purposes.

Unless explicitly stated in this section or elsewhere in our Legal Terms, no aspect of the Services, Content, or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose, without our explicit prior written consent.
Should you desire to employ the Services, Content, or Marks in any manner other than as described in this section or elsewhere in our Legal Terms, please direct your request to: , with the subject-line “collaborate”. If we grant you permission to post, reproduce, or publicly display any part of our Services or Content, you must acknowledge us as the owners or licensors of the Services, Content, or Marks and ensure that any copyright or proprietary notice is visible when posting, reproducing, or displaying our Content, as well as external services, content, or marks, if available.

We retain all rights not expressly conferred upon you regarding the Services, Content, and Marks.

Any violation of these Intellectual Property Rights will constitute a substantial breach of our Legal Terms, and your right to use our Services will terminate immediately.

Your Submissions
Before utilizing our Services, please carefully review this section and the "PROHIBITED ACTIVITIES" section to comprehend (a) the rights you grant us and (b) your responsibilities when posting or uploading any content through the Services.

Submissions: By directly submitting any questions, comments, suggestions, ideas, feedback, or other information about the Services ("Submissions") to us, you agree to transfer all intellectual property rights related to such Submissions to us. You consent to our ownership of these Submissions and acknowledge that we are entitled to utilize and distribute them freely for any lawful purpose, be it commercial or otherwise, without any acknowledgment or compensation to you.

Your Responsibility for Transmitted Content: When sending Submissions through any part of the Services, you confirm that you have read, understood, and agreed to our "PROHIBITED ACTIVITIES," and you commit to not posting, sending, publishing, uploading, or transmitting any Submission through the Services that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening towards any person or group, sexually explicit, false, inaccurate, deceptive, or misleading. To the extent permitted by applicable law, you waive any and all moral rights related to such Submissions, warrant that they are original to you or that you possess the necessary rights and licenses to submit them, and affirm that you have full authority to grant us the aforementioned rights in connection with your Submissions. Additionally, you confirm that your Submissions do not constitute confidential information.

Responsibility for Submissions: You are solely responsible for your Submissions, and you explicitly agree to compensate us for any and all losses we may incur due to your violation of (a) this section, (b) any third party's intellectual property rights, or (c) applicable law.

3. USER REPRESENTATIONS

By utilizing the Services, you assert and confirm that:

1. All registration details you provide will be truthful, precise, up-to-date, and comprehensive.
2. You will uphold the accuracy of this information and promptly amend it when necessary.
3. You possess the legal capacity to use the Services and consent to abide by these Legal Terms.
4. You are not considered a minor within the jurisdiction in which you reside.
5. You will not access the Services through automated or non-human methods, including the use of bots, scripts, or any other means.
6. You will not employ the Services for any unlawful or unauthorized purpose.
7. Your utilization of the Services will not infringe upon any applicable laws or regulations.
Should you provide information that is untrue, inaccurate, not current, or incomplete, we retain the right to suspend or terminate your account and decline any current or future use of the Services (or any part thereof).

4. USER REGISTRATION

Registration may be necessary for you to access and utilize the Services. You commit to maintaining the confidentiality of your password and assume responsibility for all activities conducted through your account and password. We retain the right to delete, recover, or alter any username you choose if, in our sole judgment, we find that the username is unsuitable, indecent, or objectionable in any way.

5. PROHIBITED ACTIVITIES

You are only permitted to access or utilize the Services for the purposes for which we have made them available. The Services should not be employed in connection with any commercial undertakings unless explicitly endorsed or approved by us.


As a user of the Services, you agree not to:
• Systematically extract data or other content from the Services with the intent to create or compile a collection, compilation, database, or directory, whether directly or indirectly, without obtaining written permission from us.
• Attempt to deceive, defraud, or mislead us or other users, especially in any effort to acquire sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services, including those that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content therein.
• Engage in unauthorized framing of or linking to the Services.
• Engage in actions that may harm us and/or the Services or tarnish our reputation, as determined by us.
• Utilize any information obtained from the Services to harass, abuse, or harm another person.
• Use the Services in a manner that contradicts any applicable laws or regulations.
• Misuse our support services or submit false reports of abuse or misconduct.
• Upload or transmit (or attempt to upload or transmit) viruses, Trojan horses, or other materials, including excessive use of capital letters and spamming (repeated posting of repetitive text), that disrupts another party's uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services.
• Participate in any automated use of the system, such as using scripts to transmit data or communicate, or employing data mining, robots, or similar data gathering and extraction tools.
• Remove the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use another user's username.
• Upload or transmit (or attempt to upload or transmit) any material that serves as an information collection or transmission mechanism, including, but not limited to, clear graphics interchange formats ("gifs"), 1x1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or "pcms").
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• Attempt to circumvent any measures of the Services designed to prevent or restrict access to the Services or any portion of the Services.
• Copy or adapt the software of the Services, including but not limited to PHP, HTML, JavaScript, Python, or other code. Except as allowed by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software that comprises or is part of the Services. Except as may result from standard search engine or internet browser usage, launch, develop, or distribute any automated system, including but not limited to any spider, robot, cheat utility, scraper, or offline reader that accesses the Services or use or launch any unauthorized script or other software.
• Use a buying agent or purchasing agent to make purchases on the Services.
• Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
• Utilize the Services in any effort to compete with us or engage in any revenue-generating activity or commercial venture using the Services and/or the Content.

6. USER GENERATED CONTRIBUTIONS

While the Services don't facilitate users in submitting or posting content directly, we welcome collaboration with businesses, governmental organizations, and non-governmental organizations (NGOs). In certain cases, we may extend the opportunity for you to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or through the Services. This content encompasses, but is not limited to, text, whitepapers, research papers, infographics, video, webinars, audio, podcasts, event summaries, live broadcasts, photographs, graphics, comments, suggestions, personal information, or other material (collectively referred to as "Contributions"). Please note that Contributions may be viewable by other users of the Services and through third-party websites. As a result, any Contributions you transmit may be handled in accordance with the Services' Privacy Policy.

By creating or making any Contributions available, you hereby represent and warrant that:

• The creation, distribution, transmission, public display, or performance, as well as the accessing, downloading, or copying of your Contributions, will not infringe upon the proprietary rights of any third party, including but not limited to copyright, patent, trademark, trade secret, or moral rights.
• You are the original creator and owner of your Contributions, or you hold the necessary licenses, rights, consents, releases, and permissions to utilize and authorize us, the Services, and other users of the Services to use your Contributions in any manner as contemplated by the Services and these Legal Terms. We may request verification and proof from you.
• You possess written consent, release, and/or permission from each identifiable individual person featured in your Contributions to use their name or likeness for inclusion and utilization of your Contributions in accordance with the Services and these Legal Terms.
• Your Contributions are truthful, accurate, and not misleading.
• Your Contributions are not unsolicited or unauthorized forms of advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or any other form of solicitation.
• Your Contributions are free from obscenity, violence, indecency, harassment, discrimination, slander, or any other objectionable content, as determined by us.
• Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
• Your Contributions are not used for the purpose of harassing or threatening any other person in a legal sense or for promoting violence against a specific individual or group.
• Your Contributions do not contravene any applicable laws or regulations.
• Your Contributions do not violate the privacy or publicity rights of any third party.
• Your Contributions do not breach any applicable laws concerning the protection and well-being of minors.
• Your Contributions do not include offensive comments related to race, national origin, gender, sexual preference, or physical handicap.
• Your Contributions do not, in any manner, violate or link to material that violates any provision of these Legal Terms or any applicable law or regulation. Any usage of the Services that contravenes the aforementioned constitutes a violation of these Legal Terms and may result in actions such as termination or suspension of your rights to utilize the Services.

7. CONTRIBUTION LICENSE

You hereby agree that we may access, store, process, and utilize any information and personal data you provide, in accordance with the terms outlined in the Privacy Policy and your choices (including settings, if provided).

In the event that you submit suggestions or other forms of feedback regarding the Services, you acknowledge that we can utilize and share such feedback for any purpose, without the need for compensation to you.

We do not assert any ownership rights over your Contributions. You maintain complete ownership of all your Contributions, along with any associated intellectual property rights or other proprietary rights. Please note that we do not assume any responsibility for the statements or representations contained in your Contributions, as provided by you in any section of the Services. It is solely your responsibility to ensure your Contributions comply with the Services, and you expressly agree to release us from any and all liability and abstain from pursuing any legal action against us concerning your Contributions.

8. THIRD-PARTY WEBSITES AND CONTENT

The Services may include links to other websites ("Third-Party Websites") and may feature articles, photographs, text, whitepapers, research papers, graphics, images, designs, infographics, music, audio, podcasts, event summaries, video, live broadcasts, webinars, information, applications, software, and other content or items provided by or originating from third parties ("Third-Party Content"). These Third-Party Websites and Third-Party Content have not been reviewed, monitored, or scrutinized for accuracy, appropriateness, or completeness by us. We do not assume responsibility for any Third-Party Websites accessible through the Services or for any Third-Party Content posted on, available through, or installed from the Services. This includes aspects such as content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies found within the Third-Party Websites or the Third-Party Content.

The inclusion of links to or permission to use or install Third-Party Websites or Third-Party Content does not imply our endorsement or approval of them. If you choose to exit the Services and access Third-Party Websites or use or install Third-Party Content, you do so at your own risk. It's important to note that these Legal Terms no longer govern your actions once you leave the Services. We recommend that you review the applicable terms and policies, including privacy and data collection practices, of any website you visit from the Services or related to any applications you use or install from the Services.

Any purchases made through Third-Party Websites will occur on other websites and involve other companies. We hold no responsibility for such purchases, as they are exclusively between you and the relevant third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites, and you release us from any liability arising from your purchase of such products or services. Furthermore, you absolve us of any losses or harm incurred by you in connection with or resulting from any Third-Party Content or interactions with Third-Party Websites.

9. ADVERTISERS

We permit advertisers to showcase their advertisements and related information in specific sections of the Services, within our network, or through our partner network. This includes, but is not limited to, banner advertisements, sidebar ads, and native content placement. We may offer the space for these advertisements or provide data for precise advertising targeting. It's important to note that our relationship with advertisers is limited to digital and traditional marketing activities.
Our objective in doing so is to ensure that our users are presented with relevant, valuable, and, most importantly, non-intrusive advertising across traditional, current, and next-generation channels and devices, all while preserving a seamless and natural user experience.
If you are an advertiser and would like to cooperate with us, please get in touch via

10. SERVICES MANAGEMENT

We retain the right, though not the obligation, to undertake the following actions:

1. Monitor the Services to identify any violations of these Legal Terms.
2. Take appropriate legal actions against any individual or entity who, at our sole discretion, breaches the law or these Legal Terms. This may include reporting such users to law enforcement authorities.
3. At our sole discretion and without any limitations, refuse, restrict access to, limit the availability of, or disable (to the extent technically feasible) any of your Contributions or any part thereof.
4. At our sole discretion and without any limitations, notice, or liability, remove from the Services or disable any files and content that are excessively large or place an undue burden on our systems.
5. Generally manage the Services in a manner intended to safeguard our rights and assets and ensure the proper functioning of the Services.

11. PRIVACY POLICY

We place significant emphasis on data privacy and security. We kindly request you to review our comprehensive Privacy Policy, accessible at www.b2b.report/privacy, as it forms an integral part of these Legal Terms. Through your usage of the Services, you agree to be bound by the terms and conditions stipulated in our Privacy Policy.

Please take note that the Services are hosted in Germany. In the event that you access the Services from any other region worldwide with specific laws or regulations governing the collection, use, or disclosure of personal data that diverge from the applicable laws in Germany, it is essential to recognize that, by continuing to use the Services, you are actively transferring your data to Germany. Furthermore, you expressly provide consent for your data to be transferred to and processed within Germany.

12. TERM AND TERMINATION

These Legal Terms will remain fully effective for the duration of your use of the Services. While all other provisions of these legal terms remain applicable, we retain the unilateral right, without any obligation of notice or incurring liability, to prohibit access to and usage of the Services. This may include the blocking of specific IP addresses for any individual or entity, for any reason or without a specific reason. Such reasons may encompass violations of any representation, warranty, or covenant established in these legal terms or violations of any applicable law or regulation.

We possess the authority to terminate your utilization of the Services or delete your account, along with any content or information you have posted, at any time and without prior notice, exercising our sole discretion.

Should we terminate or suspend your account for any reason, you are expressly prohibited from registering anew and creating an account under your name, a fictitious or borrowed name, or the name of any third party, even if such action is taken on behalf of a third party. In addition to the suspension or termination of your account, we retain the right to undertake suitable legal action, which may include civil, criminal, and injunctive remedies.

If you believe that any actions taken may have been in error, please do not hesitate to contact us for clarification.

13. MODIFICATIONS AND INTERRUPTIONS

We maintain the right to alter, amend, or remove the content within the Services at any time or for any reason, as decided solely by us, without prior notice. However, it is important to note that we are not obligated to update any information on our Services. In the event of any modifications, price adjustments, suspensions, or discontinuations of the Services, we shall not be held liable to you or any third party.

It is not possible for us to guarantee uninterrupted availability of the Services. We may encounter hardware, software, or other technical issues, or we may need to perform maintenance activities related to the Services, which could lead to interruptions, delays, or errors. We retain the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason, without prior notification to you.

You acknowledge and accept that we bear no liability whatsoever for any losses, damages, or inconveniences arising from your inability to access or utilize the Services during periods of downtime or discontinuance. These Legal Terms should not be interpreted as imposing an obligation upon us to maintain and support the Services or to provide any corrections, updates, or releases in connection therewith.

14. GOVERNING LAW

These Legal Terms are subject to and interpreted in accordance with the laws of Germany. The application of the United Nations Convention on Contracts for the International Sale of Goods is explicitly excluded. If you are a consumer with your habitual residence in the EU, you also retain the protections afforded to you by mandatory provisions of the law in your country of residence.
Both B2B Report and yourself mutually consent to the non-exclusive jurisdiction of the courts of NRW. This implies that you have the option to assert your consumer protection rights under these Legal Terms either in Germany or in the EU country where you reside.

15. DISPUTE RESOLUTION

The European Commission offers an online platform for resolving disputes, which you can access at https://ec.europa.eu/consumers/odr/main/. If you wish to raise a matter for our attention, please do not hesitate to contact us directly.

16. CORRECTIONS

It is possible that the Services may contain information with typographical errors, inaccuracies, or omissions. This may include descriptions, pricing details, availability, and various other pieces of information. We retain the right to rectify any such errors, inaccuracies, or omissions and to subsequently modify, change, or update the information presented on the Services. These updates may be made at any time and without prior notice.

17. DISCLAIMER

The Services are provided on an "as-is" and "as-available" basis. By using the Services, you agree that your utilization of the Services will be at your own risk. To the fullest extent permissible by law, we disclaim all warranties, whether express or implied, in connection with the Services and your use thereof. This includes, but is not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not make any warranties or representations regarding the accuracy or completeness of the content within the Services or the content of any websites or mobile applications linked to the Services. We assume no liability or responsibility for:


1. Errors, mistakes, or inaccuracies in content and materials.
2. Personal injury or property damage resulting from your access to and use of the Services.
3. Unauthorized access to or use of our secure servers and any personal or financial information stored therein.
4. Interruption or cessation of transmission to or from the Services.
5. Bugs, viruses, trojan horses, or similar items transmitted by third parties to or through the Services.
6. Errors or omissions in any content and materials, or any loss or damage incurred as a result of the use of any content posted, transmitted, or made available via the Services. We do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services, any linked website, or any website or mobile application featured in any advertising. We will not be a party to or be responsible for monitoring any transaction between you and third-party providers of products or services. As with the purchase of any product or service through any medium, you should use your best judgment and exercise caution where appropriate.

18. LIMITATIONS OF LIABILITY

Under no circumstances shall we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages. These damages may include, but are not limited to, lost profits, lost revenue, loss of data, or other damages arising from your use of the Services, even if we have been advised of the possibility of such damages.

19. INDEMNIFICATION

You agree to defend, indemnify, and hold us and our subsidiaries, affiliates, officers, agents, partners, and employees harmless. This includes covering any losses, damages, liabilities, claims, or demands, including reasonable attorney's fees and expenses, made by any third party. These claims may arise due to or in connection with:


1. Your use of the Services.
2. Breach of these Legal Terms.
3. Any violation of your representations and warranties stated in these Legal Terms.
4. Your infringement on the rights of a third party, including but not limited to intellectual property rights.
5. Any harmful actions towards another user of the Services with whom you connected via the Services.
Despite the above, we reserve the right, at your expense, to take control of the exclusive defense of any matter for which you are required to indemnify us. You agree to cooperate with our defense of such claims at your expense. We will make reasonable efforts to notify you of any such claim, action, or proceeding subject to this indemnification upon becoming aware of it.

20. USER DATA

We will retain specific data that you send to the Services to manage its performance and data connected to your use of the Services. While we regularly back up data, you are entirely responsible for all data you transmit or that relates to any activity you engage in using the Services. You agree that we are not liable for any loss or corruption of such data, and you waive any right to take legal action against us for any loss or corruption of your data.

21. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

When you visit the Services, send us emails, or fill out online forms, you engage in electronic communications. By using the Services, you agree to receive electronic communications, and you acknowledge that all agreements, notices, disclosures, and other communications we send you electronically, either via email or on the Services, fulfill any legal requirement for written communication. You also consent to the use of electronic signatures, contracts, orders, and other records, as well as electronic delivery of notices, policies, and transaction records, whether initiated by us or through the Services. By accepting these terms, you waive any rights or obligations under any laws or regulations in any jurisdiction that mandate original signatures, non-electronic record retention, or non-electronic payment and credit procedures.

22. CALIFORNIA USERS AND RESIDENTS

If you have a complaint that remains unresolved with us, you have the option to contact the California Department of Consumer Affairs via the Complaint Assistance Unit of the Division of Consumer Services. You can reach them in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by phone at (800) 952-5210 or (916) 445-1254.

23. MISCELLANEOUSA

These Legal Terms, along with any policies or operating rules posted by us on the Services, constitute the complete agreement between you and us. Our failure to enforce any right or provision of these Legal Terms does not waive that right or provision. These Legal Terms are governed by the fullest extent of the law. We may assign our rights and obligations to others at any time. We are not responsible for any loss, damage, delay, or failure to act beyond our reasonable control. If any provision of these Legal Terms is found to be unlawful, void, or unenforceable, it will be considered separate from these Legal Terms and will not affect the validity of the remaining provisions. These Legal Terms do not create a joint venture, partnership, employment, or agency relationship between you and us. You agree that these Legal Terms are not construed against us because we drafted them. You waive any defenses based on the electronic form of these Legal Terms and the lack of physical signatures.

24. CONTACT US

If you need to address a complaint related to the Services or require additional information about using the Services, please reach out to us at the following contact details: