LAST UPDATED: February 15, 2023

TERMS AND CONDITIONS OF USE

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE. IT SETS FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR USE OF THE SITE AND PRODUCTS AND SERVICES AVAILABLE THROUGH THE SITE. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, WHICH AFFECTS YOUR LEGAL RIGHTS, SO PLEASE READ THIS DOCUMENT IN ITS ENTIRETY.

Welcome! You have arrived at a web site that is provided by Caregivers Resource Group ("Company", “Provider”, "we", "our", or "us"). These Terms and Conditions of Use ("Terms") govern your use of https://www.caregiversresourcegroup.com/ and all other associated websites and applications (including, without limitation, both mobile and online versions of our site(s)), and also apply to your use of all features, applications, content, downloads and other services that we make available through our site(s) and/or that post a link to these Terms (collectively, referred to herein as the "Site"). By using the Site, you agree to follow and be bound by these Terms and agree to comply with all applicable laws and regulations. In these Terms, the words "you" and "your" refer to each customer or Site visitor.

It is your responsibility to review these Terms periodically. If at any time you find these Terms unacceptable, or if you do not agree to these Terms, please do not use this Site. The business realities associated with operating the Site are such that, without the conditions that are set forth in these Terms -- such as your grants and waivers of rights, the limitations on our liability, your indemnity of us, and arbitration of certain disputes - Company would not make the Site available to you.

In some instances, both these Terms and separate guidelines, rules, or terms of use or sale setting forth additional or different terms and/or conditions will apply to your use of the Site or to a service or product offered via the Site (in each such instance, and collectively " Additional Terms"). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise.

YOU AGREE THAT BY USING THE SITE AND ITS SERVICES YOU ARE AT LEAST EIGHTEEN (18) YEARS OF AGE AND THE AGE OF MAJORITY IN YOUR JURISDICTION OR ARE ACTING WITH THE SPECIFIC DIRECTION AND CONSENT OF A PARENT OR LEGAL GUARDIAN, AND YOU ARE LEGALLY ABLE TO ENTER INTO A BINDING CONTRACTUAL AGREEMENT. SERVICES/PRODUCTS/SUBSCRIPTIONS PROVIDED BY THE COMPANY ARE THE COMPANY’S OWN, FOR WHICH THE COMPANY ACCEPTS FULL CREDIT AND LIABILITY. THE COMPANY IS NOT ENGAGED IN THE PRACTICE OF PROVIDING FINANCIAL ADVICE, LEGAL ADVICE, HEALTH ADVICE, OR ANY OTHER LICENSED PROFESSIONAL SERVICES. THE COMPANY URGES ALL VISITORS IN NEED OF SUCH LICENSED PROFESSIONAL SERVICES TO SPEAK DIRECTLY WITH AN APPROPRIATE PROVIDER.

Table of Contents

It is important that you read and understand the entirety of these Terms before using the Site. This table of contents further highlights several key issues and points presented herein. You can click on the headings and "More" links to be taken to the full explanation.

Privacy Policy

By using the Site, you acknowledge and accept the Site's Privacy Policy(https://caregiversresourcegroup.com/privacy-policy) and consent to the collection and use of your data in accordance with such Privacy Policy(https://caregiversresourcegroup.com/privacy-policy). Refer to SECTION 1 below)

Site Content, Ownership, Limited License and Rights of Others

We only grant you a limited revocable license to use the Site for your own non-commercial use subject to rules and limitations. Refer to SECTION 2 below.

Site and Content Use Restrictions

Your use is subject to our rules and regulations. Refer to SECTION 3 below.

Terms for Payment

If you participate in financial transactions for intellectual property, goods, or services through this Site, the following terms apply. Refer to SECTION 4 below.

Feedback You Submit

You grant us a broad license, which we may sublicense, to the content or feedback you submit, which you represent you have the right to allow us to use. Refer to SECTION 5 below.

Notices, Questions and Customer Service

You agree that we may provide you notices, including notices of new/amended terms and conditions, by posting said notice on the page you are currently accessing or by other reasonable means, such as to an email you provide. Refer to SECTION 6 below.

Links by You to the Site

You may link to our Site, subject to some basic provisions. Refer to SECTION 7 below.

Linked-To Websites; Advertisements; Dealings with Third Parties

We are not responsible for third parties or their content, advertisements, apps or sites. Refer to SECTION 8 below.

Wireless Features

Wireless carrier charges may apply to use of the Site via wireless networks or Devices. Refer to SECTION 9 below.

Dispute Resolution

You agree to arbitrate most disputes and waive jury trial and class actions. Refer to SECTION 10 below.

Disclaimer of Representations and Warranties

We disclaim most warranties and provide the Site to you as the consumer "As Is". Refer to SECTION 11 below.

Limitations of our Liability

Our liability is greatly limited. Please see the following for further details. Refer to SECTION 12 below.

Waiver of Injunctive or Other Equitable Relief

You waive equitable or injunctive relief. Refer to SECTION 13 below.

Updates to Terms

These Terms, our Privacy Policy, and any Additional Terms posted on the Site at each time of use apply to that use, and the Terms may be prospectively updated as our Site evolves. Posting of new terms on the Site shall serve as notice to you thereof. Refer to SECTION 14 below.

General Provisions

You agree to various other terms and conditions, as provided more fully below. Refer to SECTION 15 below.

Full Details of Terms and Conditions

Privacy Policy

A complete statement of the Site's current Privacy Policy can be found by clicking here (https://caregiversresourcegroup.com/privacy-policy). The Site's Privacy Policy is expressly incorporated into this Agreement by reference. In connection with the use of certain of Site's products or services, you may be asked to provide personal information, directly or indirectly, via questionnaire, application, form, or similar document or service. This information will be collected pursuant to the provisions of our Privacy Policy.

Site Content, Ownership, Limited License, and Rights of Others
Content . The Site contains a variety of: (i) materials and other items relating to Company, Company's services, and similar items from Company, and/or our licensors, and/or other third parties, including all layout, information, articles, reviews, posts, text, data, files, images, scripts, designs, graphics, button icons, instructions, illustrations, photographs, audio clips, podcasts, music, sounds, pictures, videos, advertising copy, URLs, technology, software, interactive features, the "look and feel" of the Site, and the compilation, assembly, and arrangement of the materials of the Site and any and all copyrightable material (including source and object code); (ii) trademarks, trade dress, logos, trade names, service marks, and/or trade identities of various parties, including those of Company (collectively, "Trademarks"); and (iii) other forms of intellectual property (all of the foregoing, collectively "Content").
Ownership . The Site (including past, present, and future versions) and the Content are owned or controlled by Company and our licensors and certain other third parties. All right, title, and interest in and to the Content available via the Site is the property of Company or our licensors or certain other third parties, and is protected by U.S. and international copyright, trademark, trade dress, patent, or other intellectual property and unfair competition rights and laws to the fullest extent possible. Company owns the copyright in the selection, compilation, assembly, arrangement, and enhancement of the Content on the Site.
Limited License . Subject to your strict compliance with these Terms and any Additional Terms, Company grants you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to download (temporary storage only), display, view, use, enjoy, and/or print one copy of the Content (excluding source and object code in raw form or otherwise, other than as made available to access and use to enable display and functionality) on a personal computer, mobile phone or other wireless device, or other Internet enabled device (each, a "Device") for your personal, non-commercial use only (unless such commercial license has been issued by separate agreement with Company). The foregoing limited license: (i) does not give you any ownership of, or any other intellectual property interest in any Content, and (ii) may be immediately suspended or terminated for any reason, in Company's sole discretion, and without advance notice or liability. In some instances, we may permit you to have greater access to and use of Content, subject to certain Additional Terms.
Rights of Others . When using the Site, you must respect the intellectual property and other rights of Company and others. Your unauthorized use of Content may violate copyright, trademark, privacy, publicity, communications, and other laws, and any such use may result in your personal liability, which Company will pursue to the fullest extent of the law.
Site and Content Use Restrictions
Site Use Restrictions . You agree that you will not: (i) use the Site for any political or commercial purpose (including, without limitation, for purposes of advertising, soliciting funds, collecting product prices, and selling products), beyond such purpose as is explicitly authorized by other terms found on the Site; (ii) use any meta tags or any other "hidden text" utilizing any Trademarks; (iii) engage in any activities through or in connection with the Site that seek to attempt to or do harm any individuals or entities or are unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party, or are otherwise objectionable to Company; (iv) reverse engineer, decompile, disassemble, reverse assemble, or modify any Site source or object code or any software or other products, services, or processes accessible through any portion of the Site; (v) engage in any activity that interferes with a user's access to the Site or the proper operation of the Site, or otherwise causes harm to the Site, Company, or other users of the Site; (vi) interfere with or circumvent any security feature of the Site or any feature that restricts or enforces limitations on use of or access to the Site or the Content; (vii) harvest or otherwise collect or store any information (including personally identifiable information about other users of the Site, including email addresses, without the express consent of such users); (viii) attempt to gain unauthorized access to the Site, other computer systems or networks connected to the Site, through password mining or any other means; or (ix) otherwise violate these Terms, our Privacy Policy, or any Additional Terms.
Content Use Restrictions . You also agree that, in using the Site: (i) you will not monitor, gather, copy, or distribute the Content (except as may be a result of standard search engine activity or use of a standard browser) on the Site by using any robot, rover, "bot", spider, scraper, crawler, spyware, engine, device, software, extraction tool, or any other automatic device, code, utility, or manual process of any kind; (ii) you will not frame or utilize framing techniques to enclose any such Content (including any images, text, or page layout); (iii) you will keep intact all Trademark, copyright, and other intellectual property notices contained in such Content; (iv) you will not use such Content in a manner that suggests an unauthorized association with any of our or our licensors' products, services, or brands; (v) you will not make any modifications to such Content; (vi) you will not copy, modify, reproduce, archive, sell, lease, rent, exchange, create derivative works from, publish by hard copy or electronic means, publicly perform, display, disseminate, distribute, broadcast, retransmit, circulate or transfer to any third party or on any third-party application or website, or otherwise use or exploit such Content in any way for any purpose except as specifically permitted by these Terms or any Additional Terms or with the prior written consent of an officer of Company or, in the case of Content from a licensor, the owner of the Content; and (vii) you will not insert any code or product to manipulate such Content in any way that adversely affects any user experience.
Availability of Site and Content . Company may immediately suspend or terminate the availability of the Site and Content (and any elements and features of them), in whole or in part, for any reason, in Company's sole discretion, and without advance notice or liability.
Reservation of All Rights Not Granted as to Content and Site . These Terms and any Additional Terms include only narrow, limited grants of rights to Content and to use and access the Site. No right or license may be construed, under any legal theory, by implication, estoppel, industry custom, or otherwise. All rights not expressly granted to you are reserved by Company and its licensors and other third parties. Any unauthorized use of any Content or the Site itself for any purpose is strictly prohibited.
Terms for Payment
Generally . To participate in any financial transaction available on, through, or using the Site, you must be at least eighteen (18) years of age and the applicable age of majority in your jurisdiction of residence, or act at the direction of a parent or legal guardian of suitable age. Any transactions by a minor shall necessarily be construed as that minor having made said purchase at the direction of the parent or guardian providing the minor with devices capable of accessing the Site. Prior to the purchase of any products or services, you may or may not be required to register for an account with a third party vendor for payment processing. All such payments shall be made in accordance with that third party vendor’s terms, conditions, and policies, in addition to those contained herein. By submitting any payment information, you agree that you authorize Company and/or its payment processor to charge your account at their convenience in accordance with all applicable terms of service. For any product, service, or subscription that you order on the Site, you agree to pay the applicable amount (including any sales taxes and surcharges) as of the time of and/or scheduled for your transaction.
Methods of Payment, Terms and Taxes . All payments must be made to Company through the Site directly, or through its designated third party payment processor, or as otherwise directed. Such direction may be subject to change from time to time without advance notice. Our third party payment processor’s terms of service, if any, govern the use of your designated account, and in such a case you must refer to that agreement and not to these Terms to determine your rights and liabilities thereunder.
Pricing and Vendor Terms

You may, now or in the future, be required to pay one or more fees for the various services and benefits received from this Site as set forth in its Additional Terms. Some or all of such Additional Terms may be located here. (Link to https://caregiversresourcegroup.com/membership)
All past due amounts shall accrue interest at the greater of 1½% per month outstanding or the highest amount permitted by Pennsylvania law until paid in full.
All payments must be made through Stripe. All billing data for those transactions will be stored with Stripe and not on the Company’s servers. Security features for Stripe may or may not be found at https://stripe.com/docs/security/stripe. Please contact Stripe directly with any additional questions regarding its terms of use and internal procedures.
The Company reserves the right to designate a new third party payment processing service from time to time with or without notice.
The Company reserves the right to terminate your use of the Site at any time upon non-payment of any fees due to the Company.

Payment Liability

You represent and warrant that you will not use any financial account or other form of payment/consideration unless you have all necessary legal authorization to do so. YOU, AND NOT COMPANY, ARE RESPONSIBLE FOR PAYING ANY UNAUTHORIZED AMOUNTS BILLED TO YOUR ACCOUNT BY COMPANY OR ANY THIRD PARTY. You agree to pay all fees and charges incurred in connection with your deposits/subscriptions/purchases (including any applicable taxes) at the rates in effect when the charges are incurred. Unless you notify Company of any discrepancies within thirty (30) days after they first appear on your account statement, you agree that they will be deemed accepted by you for all purposes. If Company does not receive payment from your account, you agree to pay all amounts due immediately upon demand by Company or its agents. Sales taxes, other taxes, or similar governmental charges may or may not be included in the price of the products/services referenced. Please inquire further for details if they are not so presented. You are responsible for paying any such taxes or charges imposed on your deposits/subscriptions/purchases, including, but not limited to, sales, use, or value-added taxes.

Return Policy . All transactions for goods, services, or periodic subscriptions made through the Site, now or in the future, are subject to Company's then-current Return Policy, which presently states in pertinent part that, as a matter of general policy, all sales, transactions, and periodic subscriptions are final if not otherwise canceled by the date of payment processing. For further details regarding this policy, please contact Company directly using the information provided herein.
Acceptance Policy . Your receipt of an electronic or other form of confirmation/response does not signify our acceptance of your transaction, nor does it constitute confirmation of our offer to transact. Company reserves the right at any time after receipt of your deposit/payment to accept or decline your transaction for any reason. We may require additional verifications or information before accepting any transaction. Notwithstanding the foregoing, you agree that, if we do for any reason elect to cancel all or a portion of your transaction, your sole and exclusive remedy is that either: (a) we will issue a credit to your account in the amount charged for the cancelled portion or the quantity of products/services not provided (if your account has already been charged for the transaction) or (b) we will not charge your account for the cancelled portion of the transaction. Do not assume that a cancellation or change of a deposit/payment you have placed with Company has been effected until you receive a confirmation from Company via email or the Site. As stated above, you will be responsible for, and your account may be charged for, the payment of all fees associated with your account and already processed or which have attached before your cancellation/change request or a request to terminate your account was received and accepted.
Modifications to Prices or Billing Terms . Products and services offered on the Site are subject to reasonable availability at Company’s sole discretion. PRODUCTS AND SERVICES DISPLAYED ON THE SITE NOW OR IN THE FUTURE MAY NOT BE AVAILABLE AT ALL TIMES AND MAY BE SUBSTITUTED OR DISCONTINUED AT ANY TIME. COMPANY RESERVES THE RIGHT, AT ANY TIME, TO CHANGE ITS PRICING TERMS AND BILLING METHODS FOR SERVICES SOLD, EFFECTIVE IMMEDIATELY UPON POSTING ON THE SITE OR BY DIRECT EMAIL OR SIMILAR MEANS..
Feedback You Submit
General . Company may, now or in the future, offer users of the Site the opportunity to post, upload, display, publish, distribute, transmit, or otherwise make available on or submit through the Site, messages, text, files, comments, responses, information, content, results, reviews, suggestions, anonymous information, personally identifiable information, or other information or materials and the ideas contained therein (collectively, "User Content"). Company may allow you to make contact through the Site itself, via email, or any other communication method. Subject to the limited rights and responsibilities granted by these Terms, you retain whatever legally cognizable right, title, and interest that you have in your User Content and you remain ultimately responsible for it. Company is hereby granted the unequivocal right to retain any information provided indefinitely, and the ability to use this information for its own purposes at its sole discretion.
Non-Confidentiality of Your User Content . Except as otherwise described in the Site's posted Privacy Policy (https://caregiversresourcegroup.com/privacy-policy) or any Additional Terms, you agree that: (a) your User Content, if any, will be treated as non-confidential - regardless of whether you mark them "confidential," "proprietary," or the like - and will not be returned; and (b) Company does not assume any obligation of any kind to you or any third party with respect to your User Content. Upon Company's request, you will furnish us with any documentation necessary to substantiate the rights to such content and to verify your compliance with these Terms or any Additional Terms. You acknowledge that the Internet and mobile communications may be subject to breaches of security and that you are aware that submissions of User Content may not always be secure, and you will consider this before submitting any User Content, doing so at your own risk. In your communications with Company, please keep in mind that we do not seek any unsolicited ideas or materials for products or services, or even suggested improvements to products or services, including, without limitation, ideas, concepts, inventions, or designs for websites, plans, outlines, products, or otherwise (collectively, "Unsolicited Ideas and Materials"). Any Unsolicited Ideas and Materials you post on or send to us via the Site are deemed User Content and exclusively licensed to us as set forth below. In addition, Company retains all of the rights held by members of the general public with regard to your Unsolicited Ideas and Materials. Company's receipt of your Unsolicited Ideas and Materials is not an admission by Company of their novelty, priority, or originality, and it does not impair Company's right to contest existing or future intellectual property rights relating to your Unsolicited Ideas and Materials.
License to Company of Your User Content . Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your User Content), you hereby grant to Company, and you agree to grant, the non-exclusive, unrestricted, unconditional, unlimited, worldwide, irrevocable, perpetual, and cost-free right and license to use, copy, record, distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple levels), display, publicly perform, transmit, publish, broadcast, translate, make derivative works of, and otherwise use and exploit in any manner whatsoever, all or any portion of your User Content (and derivative works thereof), for any purpose whatsoever in all formats, on or through any means or medium now known or hereafter developed, and with any technology or devices now known or hereafter developed, and to advertise, market, and promote the same. Without limitation, the granted rights include the right to: (a) configure, host, index, cache, archive, store, digitize, compress, optimize, modify, reformat, edit, adapt, publish in searchable format, and remove such User Content and combine same with other materials, and (b) use any ideas, concepts, know-how, or techniques contained in any User Content for any purposes whatsoever, including developing, producing, and marketing products and/or services. In order to further effect the rights and license that you grant to Company to your User Content, you also hereby grant to Company, and agree to grant, the unconditional, perpetual, irrevocable right to use and exploit your name, persona, and likeness in connection with any User Content, without any obligation or remuneration to you. Except as prohibited by law, you hereby waive, and you agree to waive, any moral rights (including attribution and integrity) that you may have in any User Content, even if it is altered or changed in a manner not agreeable to you. To the extent not waivable, you irrevocably agree not to exercise such rights (if any) in a manner that interferes with any exercise of the granted rights. You understand that you will not receive any fees, sums, consideration, compensation, or remuneration in exchange for any of the rights granted under this Section 5(C).
Notices, Questions and Customer Service

You agree that: (i) we may provide notices of new, revised, or changed terms and other important matters by prominently posting said notice on the home page of the Site, or in another reasonable manner; and (ii) we may contact you by mail or email sent to the address provided by you. You agree to promptly notify us if you change your email or mailing address once provided.

The information, software, products, and descriptions of services published on the Site or a linked Site may occasionally include inaccuracies or other typographical errors, and Company specifically disclaims any liability for such inaccuracies or errors. Company does not warrant or represent that the content on the Site is complete or up-to-date. Company is under no obligation to update the content on the Site. Company may change the content on the Site at any time, with or without notice.

If you have a question regarding use of the Site, please send a message to scottb@caregiversresourcegroup.com. You acknowledge that the provision of customer support is at Company's sole discretion and that we have no obligation to provide you with customer support of any kind.

Links by You to the Site

We grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to create hyperlinks to the Site, so long as: (a) the links only incorporate text, and do not use any Company Trademarks; (b) the links and the content on your website do not suggest any affiliation with Company or cause any other confusion; and (c) the links and the content on your website do not portray Company or its products or services in a false, misleading, derogatory, or otherwise offensive matter, and do not contain content that is unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party or are otherwise objectionable to Company. Company reserves the right to suspend or prohibit linking to the Site for any reason, in its sole discretion, without advance notice or any liability of any kind to you or any third party.

Linked-To Websites; Advertisements; Dealings with Third Parties
Linked Sites; Advertisements . The Site may contain links, as part of third-party ads on the Site or otherwise, to or from third-party websites ("Linked Sites"), including websites operated by advertisers, licensors, licensees, and certain other third parties who may or may not have business relationships with Company. Company may have no control over the content, operations, policies, terms, or other elements of Linked Sites, and Company does not assume any obligation to review any Linked Sites that it does not own and operate. Company does not endorse, approve, or sponsor any Linked Sites, or any third-party content, advertising, information, materials, products, services, or other items. Furthermore, Company is not responsible for the quality or delivery of the products or services offered, accessed, obtained by or advertised at such sites. Finally, Company will under no circumstances be liable for any direct, indirect, incidental, or special loss or other damage, whether arising from negligence, breach of contract, defamation, infringement of copyright or other intellectual property rights, caused by the exhibition, distribution or exploitation of any information or content contained within these third-party Linked Sites. Any activities you engage in in connection with any of the same are subject to the privacy policy and other policies, terms, and conditions of use and/or sale, and rules issued by the operator of the Linked Sites. Company totally and unequivocally disclaims all liability in connection therewith.
Dealings with Third Parties . Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through the Site (including on or via Linked Sites or advertisements) are solely between you and the third party (including issues related to the content of third-party advertisements, payments, delivery of goods, warranties (including product warranties), privacy and data security, and the like). Company disclaims all liability in connection therewith.
Wireless
Wireless Features . The Site may or may not offer certain features and services that are available to you via your wireless Device. These features and services may include the ability to access the Site's features and upload content to the Site, receive messages from the Site, and download applications to your wireless Device (collectively, "Wireless Features"). Standard messaging, data, and other fees may be charged by your carrier to participate in Wireless Features. Fees and charges may appear on your wireless bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain Wireless Features and certain Wireless Features may be incompatible with your carrier or wireless Device. You should check with your carrier to find out what plans are available and their cost. Contact your carrier with questions regarding these issues. Company accepts no responsibility for decisions or policies made by your Carrier which may or may not impact your access to or use of the Site.
Terms of Wireless Features . You agree that, as to the Wireless Features for which you are or may become registered, we may send communications to your wireless Device regarding our purposes or the purposes of other parties. Further, we may collect information related to your use of the Wireless Features. If you have registered information via the Site regarding any Wireless Features, you agree to notify Company of any changes to your wireless contact information (including phone number) as may apply.
Dispute Resolution

Certain portions of this Section 10 are deemed to be a "written agreement to arbitrate" pursuant to the Federal Arbitration Act. You and Company agree that we intend that this Section 10 satisfies the "writing" requirement of the Federal Arbitration Act. This Section 10 can only be amended by mutual agreement.

15102. First - Try to Resolve Disputes and Excluded Disputes . If any controversy, allegation, or claim arises out of or relates to the Site, the Content, your User Content, these Terms, or any Additional Terms, whether heretofore or hereafter arising (collectively, "Dispute"), or to any of Company's actual or alleged intellectual property rights (an "Excluded Dispute", which includes those actions set forth in Section 10(D), then you and we agree to send a written notice to the other providing a reasonable description of the Dispute or Excluded Dispute, along with a proposed resolution of it. Our notice to you will be sent to your location based on the most recent contact information that you provide us. But if no such contact information exists or if such information is not current, then we have no obligation under this Section 10(A). Your notice to us must be sent to: Caregivers Resource Group, 5225 Library Road Suite 305 Bethel Park, PA 15102. For a period of sixty days from the date of receipt of notice from the other party, you and Company will each engage in a dialogue in order to attempt to resolve the Dispute or Excluded Dispute, though nothing will require either you or Company to resolve the Dispute or Excluded Dispute on terms with respect to which you and Company, in each of our sole discretions, are not comfortable.
15103. Binding Arbitration. If we cannot resolve a Dispute as set forth in Section 10(A) (or agree to arbitration in writing with respect to an Excluded Dispute) within sixty (60) days of receipt of the notice, then ANY AND ALL DISPUTES ARISING BETWEEN YOU AND COMPANY MUST BE RESOLVED BY FINAL AND BINDING ARBITRATION. THIS INCLUDES ANY AND ALL DISPUTES BASED ON ANY PRODUCT, SERVICE OR ADVERTISING CONNECTED TO THE PROVISION OR USE OF THE SITE (WHETHER BASED IN CONTRACT, STATUTE, REGULATION, ORDINANCE, TORT - INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, FRAUD, ANY OTHER INTENTIONAL TORT OR COMMON LAW, CONSTITUTIONAL PROVISION, RESPONDEAT SUPERIOR, AGENCY OR ANY OTHER LEGAL OR EQUITABLE THEORY - AND WHETHER ARISING BEFORE OR AFTER THE EFFECTIVE DATE OF THESE TERMS. The Federal Arbitration Act ("FAA") shall govern the arbitrability of all disputes between COMPANY and you regarding these Terms (and any Additional Terms) and the Site, including the No Class Action Matters section below. BY AGREEING TO ARBITRATE, EACH PARTY IS GIVING UP ITS RIGHT TO GO TO COURT AND HAVE ANY DISPUTE HEARD BY A JUDGE OR JURY.

A Dispute will be resolved solely by confidential binding arbitration administered by the Judicial Arbitration and Mediation Services Inc. ("JAMS"), in accordance with the then-current streamlined Arbitration Rules and Procedures ("Rules"), or by any other arbitration administration service that you and an officer or legal representative of Company consent to in writing to be conducted exclusively in Allegheny County, Pennsylvania and forum non conveniens is waived. If an in-person arbitration hearing is required, then it will be conducted in the "metropolitan statistical area" (as defined by the U.S. Census Bureau) where you are a resident at the time the Dispute is submitted to arbitration. You, as well as the Company, will pay the administrative and arbitrator's fees and other costs in accordance with the applicable Rules; but if applicable Rules or laws require Company to pay a greater portion or all of such fees and costs in order for this Section 10 to be enforceable, then Company will have the right to elect to pay the fees and costs and proceed to arbitration. The arbitrator will apply and be bound by these Terms and any Additional Terms, and will determine any Dispute according to applicable law and facts based upon the record and no other basis, and will issue a reasoned award only in favor of the individual party seeking relief and only to the extent to provide relief warranted by that party's individual claim. Issues relating to the enforceability of the arbitration and class action waiver provisions contained herein are for the court to decide.

Limited Time to File Claims . TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF YOU OR WE DETERMINE AND DECIDE TO ASSERT A DISPUTE (BUT NOT AN EXCLUDED DISPUTE) AGAINST THE OTHER, THEN YOU OR WE MUST COMMENCE IT (BY DELIVERY OF WRITTEN NOTICE AS SET FORTH IN SECTION 10(A)) WITHIN ONE (1) YEAR AFTER THE DISPUTE ARISES -- OR IT WILL BE FOREVER BARRED. Commencing means, as applicable: (a) by delivery of written notice as set forth above in Section 10(A); (b) filing for arbitration with JAMS as set forth in Section 10(B); or (c) filing an action in state or Federal court. The parties expressly waive any contrary statute of limitations or time bars, both legal and equitable, to the Disputes.
Injunctive Relief . The foregoing provisions of this Section 10 will not apply to any legal action taken by Company to seek an injunction or other equitable relief in connection with any loss, cost, or damage (or any potential loss, cost, or damage) relating to the Site, any Content, your User Content and/or Company's intellectual property rights (including such Company may claim that may be in dispute), Company's operations, and/or Company's products or services.
No Class Action Matters . YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING OR AS AN ASSOCIATION. Disputes will be arbitrated only on an individual basis and will not be joined or consolidated with any other arbitrations or other proceedings that involve any claim or controversy of any other party. There shall be no right or authority for any Dispute to be arbitrated on a class action basis or on any basis involving Disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated. But if, for any reason, any court with competent jurisdiction holds that this restriction is unconscionable or unenforceable, then our agreement in Section 10(B) to arbitrate will not apply and the Dispute must be brought exclusively in court pursuant to Section 10(F). Notwithstanding any other provision of this Section 10, any and all issues relating to the scope, interpretation and enforceability of the class action waiver provisions contained herein (described in this "No Class Action Matters" section), are to be decided only by a court of competent jurisdiction, and not by the arbitrator. The arbitrator does not have the power to vary these class action waiver provisions.
Courts of Allegheny County, Pennsylvania . Any action or proceeding relating to any Dispute or Excluded Dispute arising hereunder may only be instituted in the state court in and for Allegheny County, Pennsylvania, USA. Accordingly, you and Company consent to the exclusive personal jurisdiction and venue of such courts for such matters.
DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOUR ACCESS TO AND USE OF THE SITE IS ACKNOWLEDGED TO OCCUR AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS", "AS AVAILABLE", AND "WITH ALL FAULTS" BASIS. Therefore, to the fullest extent permissible by law, Company and its subsidiaries and each of their respective employees, directors, members, managers, shareholders, agents, vendors, licensors, licensees, contractors, customers, successors, and assigns (collectively, the "Company Parties") hereby disclaim and make no representations, warranties, endorsements, or promises, express or implied, as to:

(a) the Site (including the Content and the User Content);

(b) the functions, features, or any other elements on, or made accessible through, the Site;

(c) any products, services, or instructions offered or referenced at or linked through the Site;

(d) security associated with the transmission of your User Content transmitted to Company via the Site;

(e) whether the Site or the servers that make the Site available are free from any harmful components (including viruses, Trojan horses, and other technologies that could adversely impact your Device);

(f) whether the information (including any instructions) on the Site is accurate, complete, correct, adequate, useful, timely, or reliable;

(g) whether any defects to or errors on the Site will be repaired or corrected;

(h) whether your access to the Site will be uninterrupted;

(i) whether the Site will be available at any particular time or location; and

(h) whether your use of the Site is lawful in any particular jurisdiction.

EXCEPT FOR ANY SPECIFIC WARRANTIES PROVIDED HEREIN OR IN ADDITIONAL TERMS PROVIDED BY A COMPANY PARTY, COMPANY PARTIES HEREBY FURTHER DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.

Some jurisdictions limit or prohibit the disclaimer of implied or other warranties, so some portions of the above disclaimers may not apply to the extent such jurisdictions' laws are applicable.

The Site strives to keep its information, documents, checklists, and developed forms accurate, current, and up-to-date. However, because the law changes rapidly, we cannot guarantee that all of the information on the Site is completely current, correct, or updated. Furthermore, the information contained on the Site is not legal advice and is not guaranteed to be correct, complete, or up-to-date. Therefore, if you need legal advice regarding a specific problem, or if your specific problem is too complex to be addressed by our resources, you should consult your attorney. From time to time, we may perform certain services and introduce our visitors to various services, products and offers through various methods, including, but not limited to,

(i) third party listings,

(ii) third party advertisers, and

(iii) third party services.

At no time are we responsible to you or liable to you for the accuracy or performance of any such listings and/or services.

LIMITATIONS ON COMPANY’S LIABILITY

UNDER NO CIRCUMSTANCES WILL ANY COMPANY PARTIES BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND, including personal injury or death or for any direct, indirect, economic, exemplary, special, punitive, incidental, or consequential losses or damages that are directly or indirectly related to:

(a) the Site (including the Content and the User Content);

(b) your use of or inability to use the Site, or the performance of the Site;

(c) any action taken in connection with an investigation by Company Parties or law enforcement authorities regarding your access to or use of the Site;

(d) any action taken in connection with copyright or other intellectual property owners or other rights owners;

(e) any errors or omissions in the Site's technical operation; or

(f) any damage to any user's computer, hardware, software, modem, or other equipment or technology, including damage from any security breach or from any virus, bugs, tampering, fraud, error, omission, interruption, defect, delay in operation or transmission, computer line, or network failure or any other technical or other malfunction, including losses or damages in the form of lost profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or equipment failure or malfunction.

The foregoing limitations of liability will apply even if any of the foregoing events or circumstances were foreseeable and even if Company Parties were advised of or should have known of the possibility of such losses or damages, regardless of whether you bring an action based in contract, negligence, strict liability, or tort (including whether caused, in whole or in part, by negligence, acts of god, telecommunications failure, or destruction of the Site).

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages of the sort that are described above, so the above limitation or exclusion may not apply to you.

EXCEPT AS MAY BE PROVIDED IN ANY ADDITIONAL TERMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY PARTIES' TOTAL LIABILITY TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE SITE AND YOUR RIGHTS UNDER THESE TERMS, EXCEED AN AMOUNT EQUAL TO THE AMOUNT YOU HAVE PAID COMPANY IN CONNECTION WITH THE TRANSACTION(S) THAT UNDERLIE THE CLAIM(S); PROVIDED, HOWEVER, THIS PROVISION WILL NOT APPLY IF A TRIBUNAL WITH APPLICABLE JURISDICTION FINDS SUCH TO BE UNCONSCIONABLE.

Waiver of Injunctive or Other Equitable Relief

IF YOU CLAIM THAT YOU HAVE INCURRED ANY LOSS, DAMAGES, OR INJURIES IN CONNECTION WITH YOUR USE OF THE SITE, THEN THE LOSSES, DAMAGES, OR INJURIES WILL NOT BE ACKNOWLEDGED AS IRREPARABLE OR SUFFICIENT TO ENTITLE YOU TO AN INJUNCTION OR TO OTHER EQUITABLE RELIEF OF ANY KIND. THIS MEANS THAT, IN CONNECTION WITH YOUR CLAIM, YOU AGREE THAT YOU WILL NOT SEEK, AND THAT YOU WILL NOT BE PERMITTED TO OBTAIN, ANY COURT OR OTHER ACTION THAT MAY INTERFERE WITH OR PREVENT THE DEVELOPMENT OR EXPLOITATION OF ANY WEBSITE, APPLICATION, CONTENT, USER CONTENT, PRODUCT, SERVICE, OR INTELLECTUAL PROPERTY OWNED, LICENSED, USED OR CONTROLLED BY COMPANY (INCLUDING YOUR LICENSED USER CONTENT, IF ANY) OR A LICENSOR OF COMPANY, OR THEIR AFFILIATES.

Updates to Terms

These Terms (or, if applicable, any Additional Terms), in the form posted at the time of your use of the applicable services to which it applies, shall govern such use (including transactions entered during such use). AS OUR SITE EVOLVES, THE TERMS AND CONDITIONS UNDER WHICH WE OFFER THE SITE MAY PROSPECTIVELY BE MODIFIED AND WE MAY CEASE OFFERING THE SITE UNDER THE TERMS OR ADDITIONAL TERMS FOR WHICH THEY WERE PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN TO OR OTHERWISE USE THE SITE YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN APPLICABLE TERMS AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER TERMS BY POSTING THEM ON THE SITE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR USE OF THE SITE AFTER SUCH NOTICE CONSTITUTES YOUR CONTINUING AGREEMENT GOING FORWARD TO THE OTHER TERMS FOR YOUR NEW AND SUBSEQUENT USE AND TRANSACTIONS. Therefore, you should review the posted terms of service and any applicable Additional Terms each time you use the Site (at least prior to each transaction or submission). The new terms will be effective as to new use and transactions as of the time that we post them, or such later date as may be specified in them or in other notice to you. However, the terms of service (and any applicable Additional Terms) that applied when you previously used the Site will continue to apply to such prior use (i.e., changes and additions are prospective only) unless and until mutually agreed by our continued provision thereof and your continued use. In the event any notice to you of new, revised, or additional terms is determined by a tribunal to be insufficient, the prior agreement shall continue until sufficient notice to establish a new agreement occurs. You should frequently check the home page, and the email you associated with your transactions for notices, all of which you agree are reasonable manners of providing you notice. You can reject any new, revised, or Additional Terms by discontinuing use of the Site and related services.

General Provisions
Company's Consent or Approval . As to any provision in these Terms or any Additional Terms that grants Company a right of consent or approval, or permits Company to exercise a right in its "sole discretion," Company may exercise that right in its sole and absolute discretion. No Company consent or approval may be deemed to have been granted by Company without being in writing and signed by an officer of Company. Company has full authority to approve or disapprove any project or proposal for any reason. The creation or promotion of pornography or explicit images of any kind through the Company is strictly prohibited.
Applicable Law . These Terms and any Additional Terms will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be governed by and interpreted in accordance with, the laws of the Commonwealth of Pennsylvania, excluding its choice of law rules. Notwithstanding any other provision of these Terms, Company is not your agent, partner, or joint venturer in any respect. Company is not your attorney, care provider, or financial advisor, and assumes no fiduciary obligation to you.
Indemnity . You agree to defend, indemnify, and hold Company Parties harmless from and against any and all claims, damages, losses, costs, investigations, liabilities, judgments, fines, penalties, settlements, interest, and expenses (including attorneys' fees) that directly or indirectly arise from or are related to any claim, suit, action, demand, or proceeding made or brought against any Company Party, or on account of the investigation, defense, or settlement thereof, arising out of or in connection with, whether occurring heretofore or hereafter: (i) your User Content; (ii) your use of the Site and your activities in connection with the Site; (iii) your breach or alleged breach of these Terms or any Additional Terms; (iv) your violation or alleged violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or quasi-governmental authorities in connection with your use of the Site or your activities in connection with the Site; (v) information or material transmitted through your Device, even if not submitted by you, that infringes, violates, or misappropriates any copyright, trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (vi) any misrepresentation made by you; and (vii) Company Parties' use of the information that you submit to us (including your User Content) (all of the foregoing, "Claims and Losses"). You will cooperate as fully required by Company Parties in the defense of any Claim and Losses. Notwithstanding the foregoing, Company Parties retain the exclusive right, but no obligation, to settle, compromise, and pay any and all Claims and Losses. Company Parties reserve the right to assume the exclusive defense and control of any Claims and Losses. You will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of a Company Party.
Operation of Site; Availability of Products and Services; International Issues . Company controls and operates the Site from its U.S.-based offices in the U.S.A., and Company makes no representation that the Site is appropriate or available for use beyond the U.S.A. If you use the Site from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. The Site may describe products and services that are available only in the U.S.A. (or only parts of it) and are not available worldwide. We reserve the right to limit the availability of the Site and/or the provision of any content, program, product, service, or other feature described or available on the Site to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, product, service, or other feature that we provide, with or without advance notice. You and we disclaim any application to these Terms of the Convention on Contracts for the International Sale of Goods.
Export Controls . Any software related to or made available by the Site may be subject to export controls of the U.S.A. No software from the Site may be downloaded, exported, or re-exported: (i) into (or to a national or resident of) any country or other jurisdiction to which the U.S.A. has embargoed such goods, software, technology or services (which, as of the effective date of these Terms, includes Cuba, North Korea, Iran, Sudan, and Syria), or (ii) to entity on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders, or (iii) to anyone on the U.S. Department of Commerce's Bureau of Industry and Security Entities List as published in the Export Administration Regulations (including entities engaged in weapons of mass destruction proliferation in various countries and persons and entities that are suspected of diverting U.S. origin items to embargoed countries or terrorist end-uses). You are responsible for complying with all trade regulations and laws both foreign and domestic. Except as authorized by law, you agree and warrant not to export or re-export the software to any country, or to any person, entity, or end-user subject to U.S. export controls, including as set forth in subsections (i) - (iii) above.
Severability; Interpretation . If any provision of these Terms, or within any Additional Terms, is for any reason deemed invalid, unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction, then that provision will be deemed severable from these Terms or the Additional Terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of these Terms or the Additional Terms (which will remain in full force and effect). To the extent permitted by applicable law, you agree to waive, and you hereby waive, any applicable statutory and common law that may permit a contract to be construed against its drafter. Wherever the word "including" is used in these Terms or any Additional Terms, the word will be deemed to mean "including, without limitation,".
Communications . When you communicate with us electronically, such as via email, internal messaging, or other direct electronic message of any kind, you consent to receive communications from us electronically. Please note that we are not obligated to respond to inquiries that we receive. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Direct messaging and/or live video or audio sessions may be recorded at Company’s sole discretion for future use, customer service, or training purposes. If you do not consent to such recording, please contact Company prior to a scheduled session and all reasonable efforts will be made to accommodate your request at Company’s sole discretion.

Investigations; Cooperation with Law Enforcement; Termination; Survival . Company reserves the right, without any limitation, to: (i) investigate any suspected breaches of its Site security or its information technology or other systems or networks, (ii) investigate any suspected breaches of these Terms and any Additional Terms, (iii) investigate any information obtained by Company in connection with reviewing law enforcement databases or complying with criminal laws, (iv) involve and cooperate with law enforcement authorities in investigating any of the foregoing matters, (v) prosecute violators of these Terms and any Additional Terms, and (vi) discontinue the Site, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your access to it, in whole or in part, including any user accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Any suspension or termination will not affect your obligations to Company under these Terms or any Additional Terms. Upon suspension or termination of your access to the Site, or upon notice from Company, all rights granted to you under these Terms or any Additional Terms will cease immediately, and you agree that you will immediately discontinue use of the Site. Any recurring payments or subscriptions to the Site, in such an event, shall end as of the next scheduled payment cycle, though your access shall cease immediately without obligation of refund. The provisions of these Terms and any Additional Terms, which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to Company in these Terms, as well as the indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, no class action, and mandatory arbitration.
Assignment . Company may assign its rights and obligations under these Terms and any Additional Terms, in whole or in part, to any party at any time with or without any notice. These Terms and any Additional Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an authorized officer of Company.
No Waiver . Except as expressly set forth in these Terms or any Additional Terms, (i) no failure or delay by you or Company in exercising any of rights, powers, or remedies hereunder will operate as a waiver of that or any other right, power, or remedy, and (ii) no waiver or modification of any term of these Terms or any Additional Terms will be effective unless in writing and signed by the party against whom the waiver or modification is sought to be enforced.
Connectivity . You are responsible for obtaining and maintaining all Devices and other equipment and software, and all internet service provider, mobile service, and other services needed for your access to and use of the Site, and you will be responsible for all charges related thereto.
California Consumer Rights and Notices . Residents of California are entitled to the following specific consumer rights information: You may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254. Their website is located at: http://www.dca.ca.gov.
References . References to "Site" "we," and "us" include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services under this or prior agreements between us.
Proprietary Rights . “Caregivers Resource Group,” and all other terminology and/or intellectual property belonging to Company, pertaining thereto, or presented on the Site shall, at all times, remain owned solely by Caregivers Resource Group, subject to all relevant Copyright, Trademark, and Intellectual Property Rights as applicable by law.

Merchant Policies