Thank you for visiting ewasi.com a Western Annuity Services, Inc., (hereafter referred to as "WASI") site. To better protect your privacy, we provide this notice explaining our online information practices and the choices you can make about the way your information is collected and used at this site

The Information We Collect
At the WASI site, you may be able to order products, enter contests, vote in polls or otherwise express an opinion, subscribe to one of our services such as online newsletters, or participate in one of our online forums or communities. The types of personally identifiable information that may be collected at these pages include: name, address, occupation/job title; e-mail address, telephone number, fax number, credit card information, and information about your interests in and use of various products, programs, and services.

You may submit information about other people. The types of personally identifiable information that may be collected about other people at these pages include: recipient's name, address, occupation/job title, e-mail address, and telephone number.

We may also collect certain non-personally identifiable information when you visit many of our web pages such as the type of browser you are using (e.g., Netscape, Internet Explorer), the type of operating system you are using, (e.g., Windows '95 or Mac OS) and the domain name of your Internet service provider (e.g., America Online, Earthlink).

How We Use the Information
We may use the information you provide about yourself to fulfill your requests for our products, programs, and services, to respond to your inquiries about our offerings, and to offer you other products, programs or services that we believe may be of interest to you.

We sometimes use this information to communicate with you, such as to notify you when you have won one of our contests or in some circumstances to notify you when we make changes to our subscriber agreements, to fulfill a request by you for an online newsletter, or to contact you about your account with us.

In terms of the information that you provide about others, we may use this information to offer our products, programs, or services to them.

The information we collect in connection with our online forums and communities is used to provide an interactive experience. We use this information to facilitate participation in these online forums and communities and, from time to time, to offer you products, programs, or services.

We sometimes use the non-personally identifiable information that we collect to improve the design and content of our site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze site usage, as well as to offer you products, programs, or services.

We will disclose information we maintain when required to do so by law, for example, in response to a court order or a subpoena. We also may disclose such information in response to a law enforcement agency's request.

Agents and contractors of WASI who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Notice by, for example, not using the information for any purpose other than to carry out the services they are performing for WASI.

Although we take appropriate measures to safeguard against unauthorized disclosures of information, we cannot assure you that personally identifiable information that we collect will never be disclosed in a manner that is inconsistent with this Privacy Notice. Inadvertent disclosures may result, for example, when third parties misrepresent their identities in asking the site for access to personally identifiable information about themselves for purposes of correcting possible factual errors in the data.

WASI may disclose personally identifiable information that you have submitted about yourself or about others to companies not owned by WASI who want to market products or services to you. For instructions on how to opt out from such disclosures, please click here.

WASI may on occasion combine information we receive online with outside records to enhance our ability to market to you those products or services that may be of interest to you. If you prefer not to receive marketing information from this site note so in the on-line member sign-up form,

Finally, the WASI site will not use or transfer personally identifiable information provided to us in ways unrelated to the ones described above without also providing you with an opportunity to opt out of these unrelated uses.

Collection of Information by Third-Party Sites and Sponsors
Some of our sites contain links to other sites whose information practices may be different than ours. Visitors should consult the other sites' privacy notices as we have no control over information that is submitted to, or collected by, these third parties.

WASI sites may offer contests, sweepstakes, or promotions that are sponsored by or co-sponsored with identified third parties. By virtue of their sponsorship, these third parties may obtain personally identifiable information that visitors voluntarily submit to participate in the contest, sweepstakes, or promotion. WASI has no control over the third-party sponsors' use of this information. The WASI site will notify you at the time of requesting personally identifiable information if third-party sponsors will obtain such information.

Cookies
To enhance your experience with our sites, many of our web pages use "cookies." Cookies are text files we place in your computer's browser to store your preferences. Cookies, by themselves, do not tell us your e-mail address or other personally identifiable information unless you choose to provide this information to us by, for example, registering at one of our sites. However, once you choose to furnish the site with personally identifiable information, this information may be linked to the data stored in the cookie.

We use cookies to understand site usage and to improve the content and offerings on our sites. For example, we may use cookies to personalize your experience at our web pages (e.g. to recognize you by name when you return to our site), save your password in password-protected areas, and enable you to use shopping carts on our sites. We also may use cookies to offer you products, programs, or services.

Our Commitment to Security
We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online.

How You can Access or Correct Information
For instructions on how you can access the personally identifiable information that this site has collected about you online, or how to correct factual errors in such information, please contact us at info@ewasi.com

To protect your privacy and security, we will take reasonable steps to help verify your identity before granting access or making corrections.

How to Contact Us
If you have any questions or concerns about the WASI online policy for this site or its implementation you may contact us at info@ewasi.com.

Terms & Conditions

1. Introduction

This site, www.ewasi.com is owned and operated by Western Annuity Services ,Inc. (hereafter referred to as "WASI") and this Agreement sets forth the terms and conditions which apply to the use by you of the WASI site.

WASI shall have the right at any time to change or discontinue any aspect or feature of the WASI Site including, but not limited to, the Community Areas, content, hours of availability, and equipment needed for access or use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including but not limited to, posting on the Community Areas a revised version of this Agreement or notification by electronic mail. Any use by you of the Community Areas after such notice shall conclusively be deemed to be acceptance by you of such changes, modifications, additions or deletions. You agree to review the terms and conditions of this Agreement periodically to be aware of such revisions.

2. Definitions.

The " WASI Site" shall mean all areas and any memberships, premium content or other paid products and services offered or available on the interactive online service operated by WASI. The WASI Site consists of information services and content provided by WASI, affiliates of WASI and third parties. The term "Community Areas" means the bulletin boards, chat rooms and other user participatory areas on the WASI Site.

2. Use of the WASI Site

A. The Community Areas shall be used for lawful purposes only. No material shall be posted on or transmitted through the Community Areas which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, indecent or otherwise objectionable, which encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violates any law. No conduct shall be undertaken that, in WASI ‘judgment, restricts or inhibits any other user from using or enjoying the Community Areas. You may not post, link to or otherwise publish any messages containing any form or advertising or promotion for goods and services or any chain messages or "spam"; post, link to or otherwise publish any messages with recommendations to buy or refrain from buying particular goods, services or commodities or which contain confidential information of another party or which otherwise have the purpose of affecting the price or value of any security; post or otherwise publish any messages that contain a virus or other harmful component or collect or store other users’ personal data; post or otherwise publish any messages unrelated to the Forum or the Forum’s topic; impersonate any person or entity (including WASI employees or Forum guests or hosts) or misrepresent any affiliation with any person or entity.

B. All materials on this site (the "Content") is the property of WASI or its licensors and is protected by copyright, trademark or other intellectual property laws. You may retrieve and display content from the site on a computer screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disc (but not on a server or other storage device connected to a network) for your personal non-commercial use. You may not modify, publish, transmit, display, participate in the transfer or sale, create derivative works, or in any way exploit the content of the WASI Site or any portion of it. Except as otherwise expressly permitted under copyright law, you may not copy, redistribute, publish, display or commercially exploit any material from the WASI Site without the express permission of WASI and any other copyright owner. In the event of any permitted copying, redistribution or publication of material from the WASI Site, no changes in or deletion of author attribution, trademark, legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. You shall not upload, post or otherwise make available on the Community Areas any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. You are responsible for determining that such material is not protected by copyright, trademark or other proprietary right. You shall be solely liable for any damages resulting from any infringement of copyright, trademark or other proprietary right, or any other harm resulting from any uploading, posting or submission.

C. You hereby grant to WASI, and their respective affiliates the worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display any message posted in the Community Areas and/or any e-mail sent by you to WASI (in whole or in part) and/or to incorporate it in other works in any form, media or technology now known or later developed.

D. WASI may give you the option to subscribe to an e-mail newsletter. Your use of the content received through the e-mail newsletter will be subject to these Terms.

E. As a user you will be able to access some areas of the site without going through a registration process, however, certain areas of the site may only be open to you if you register. If registration is required, you shall provide WASI with accurate, complete and updated information at the time of registration. It is your responsibility to inform WASI of any changes to that information (including in particular your e-mail address) by e-mailing info@ewasi.com. Each registration is for a single user only, on registration you may be asked to choose a user name and password. WASI does not permit any other person using this password or access through a single name and password being made available to multiple users on a network. You are responsible for all use of the Site made by you and for preventing unauthorized use of your ID. If you believe there has been any breach of security such as the disclosure, theft or unauthorized use of your ID or any payment information, you must notify WASI immediately by e-mailing info@ewasi.com. Additional material ("Premium Content") may only be available to you on a paid-for basis. Premium content will be clearly identified and you will be requested to give credit card details if you decide to make a purchase.

F. You may not (i) select or use a member name or e-mail address of another person with the intention of impersonating that person; (ii) use a member name or e-mail address of anyone else without authorization; (iii) use a member name in violation of the intellectual property rights of any person; or (iv) use a member name that WASI considers to be offensive.

G. The WASI Site contain links to other web sites, resources and advertisers. WASI is not responsible for the availability of these external sites nor does it endorse or is it responsible for the contents, advertising, products or other materials made available on or through such external sites. You may use the site to purchase products or services from third parties and in that event your contract for such products will be with the third part and not with WASI. Under no circumstances will WASI be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to a user in connection with the use of or reliance on any content, goods or services available on such external site. You should direct any concerns to such external site's administrator or Webmaster.

H. You shall be responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed for access to and use of the WASI Site and Community Areas and all charges related thereto.

I. The provisions of this section are for the benefit of WASI, its affiliates, third party content providers and licensors, and each shall have the right to assert and enforce such provisions directly on its own behalf.

J. WASI has carefully designed the WASI Site with the purpose of delivering certain content to users in a particular format and with a particular appearance. No third party shall have the right to utilize the content of the WASI Site in any way that interferes with that purpose. In particular, WASI prohibits any party from displaying the content on the WASI Site in any format where third party advertising or other materials that WASI did not authorize is viewed or viewable together with WASI's proprietary content.

3. Monitoring.

WASI shall have the right, but not the obligation, to monitor the content of the Community Areas to determine compliance with this Agreement and any other operating rules that may be established by WASI from time to time. WASI shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the Community Areas and you waive any moral or legal rights that you may have in regard to the messages. Notwithstanding this right of WASI, users shall remain solely responsible for the content of their messages. By submitting messages to any Forum you agree to indemnify and hold harmless WASI and any of its affiliates from all claims, costs and expenses (including legal expenses) arising out of any messages posted or published by you that are in breach of this agreement. You also acknowledge and agree that neither WASI nor any of its affiliates shall assume or have any liability for any action or inaction by WASI with respect to any conduct within the Community Areas or any communication or posting on the Community Areas.

4. Software and Java Security

WASI may from time to time give you the option to modify your browser to enable you to access certain requested services along with other applications. In that event, a dialogue box will be shown on your screen requiring your authorization for the modification to proceed. By clicking the 'Grant' button (or equivalent) on the dialogue box, you will allow WASI to modify your browser to enable you to view the service on your screen at the same time as you work on other applications.

5. Disclaimer of Warranty; Limitation of Liability

A. YOU EXPRESSLY AGREE THAT USE OF THE COMMUNITY AREAS AND THE WASI SITE IS AT YOUR SOLE RISK. NEITHER WASI, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE WASI SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE WASI SITE OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE OR PRODUCTS PROVIDED THROUGH THE SITES OR THE COMMUNITY AREAS.

B. THE WASI SITE AND THE COMMUNITY AREAS ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND ARE INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

C. THE DISCLAIMERS OF LIABILITY CONTAINED IN THIS SECTION APPLY TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT WASI IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

D. IN NO EVENT WILL WASI OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE WASI SITE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WASI SITE OR OUT OF THE BREACH OF ANY WARRANTY. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE WASI SITE AND/OR THE COMMUNITY AREAS. WASI'S LIABILITY TO USERS, IF ANY, SHALL IN NO EVENT EXCEED THE TOTAL AMOUNT PAID TO WASI.

E. LIMITATION ON DAMAGES AND EXCLUSIVE REMEDY: YOU AGREE THAT YOUR ONLY RECOVERY FOR ANY DAMAGES THAT YOU INCUR, AND YOUR EXCLUSIVE REMEDY, SHALL BE LIMITED TO THE DIRECT DAMAGES YOU ACTUALLY INCUR IN REASONABLE RELIANCE ON THE APPLICABLE SITE SERVICE UP TO A LIMIT OF THE FOLLOWING, (AT WASI’s) ELECTION: (1) A REFUND OF THE AMOUNT YOU PAID (IF ANY) IN TOTAL DURING THE MONTH IN WHICH THE DAMAGE IS FIRST INCURRED, LESS ANY REASONABLE ALLOWANCE FOR COMPLYING SERVICES, OR (2) CORRECTION OR REPLACEMENT OF THE SERVICE. ALL LIMITATIONS WILL APPLY TO ALL LEGAL AND EQUITABLE THEORIES.

6. Links

The Site contains links to other World Wide Web sites provided by independent third parties ("Third Party Sites"), either directly or through frames. Third Party Sites may be co-branded with WASI and may include WASI’s trademark. WASI is not responsible for the availability or content of Third Party Sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third Party Sites.

A. YOU ACKNOWLEDGE THAT THIRD PARTY PRODUCT AND SERVICE PROVIDERS ADVERTISE THEIR PRODUCTS AND SERVICES ON THE ewasi.com WEB SITE. WASI MAY FORM PARTNERSHIPS OR ALLIANCES WITH SOME OF THESE VENDORS FROM TIME TO TIME IN ORDER TO FACILITATE THE PROVISION OF THESE PRODUCTS AND SERVICES TO YOU. HOWEVER, YOU ACKNOWLEDGE AND AGREE THAT AT NO TIME IS WASI MAKING ANY REPRESENTATION OR WARRANTY REGARDING ANY THIRD PARTY'S PRODUCTS OR SERVICES, NOR WILL WASI BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY CLAIMS ARISING FROM OR IN CONNECTION WITH SUCH THIRD PARTY PRODUCTS AND SERVICES. YOU HEREBY DISCLAIM AND WAIVE ANY RIGHTS AND CLAIMS YOU MAY HAVE AGAINST WASI WITH RESPECT TO THIRD PARTY PRODUCTS AND SERVICES, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

B. WASI NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT ON THE WASI SITE, NOR FOR ANY OFFENSIVE, DEFAMATORY OR OBSCENE POSTING MADE ON THE COMMUNITY AREAS. UNDER NO CIRCUMSTANCES WILL WASI BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH EITHER THE CONTENT ON THE WASI SITE AND/OR ANY POSTINGS ON THE COMMUNITY AREAS. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE WASI SITE AND/OR THE COMMUNITY AREAS. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL, HEALTH, OR LIFESTYLE INFORMATION, OPINION, ADVICE OR OTHER CONTENT.

C. WASI DOES NOT ENDORSE, WARRANT OR GUARANTEE ANY PRODUCTS OR SERVICES OFFERED THROUGH THE WASI SITE AND WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN USERS AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE. WASI MAKES PRODUCTS OR SERVICES AVAILABLE ON THE WASI SITE WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

D. PRIOR TO THE EXECUTION OF A PURCHASE OR SALE OF ANY SECURITY OR INVESTMENT, YOU ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL ADVISOR TO VERIFY PRICING AND OTHER INFORMATION. NEITHER WASI NOR ITS THIRD PARTY CONTENT PROVIDERS SHALL HAVE ANY LIABILITY FOR INVESTMENT DECISIONS BASED UPON, OR THE RESULTS OBTAINED FROM, THE CONTENT PROVIDED HEREIN. NEITHER WASI NOR ITS THIRD PARTY CONTENT PROVIDERS GUARANTEE OR WARRANTS THE TIMELINESS, SEQUENCE, ACCURACY, OR COMPLETENESS OF ANY SUCH INFORMATION. NOTHING CONTAINED IN THE WASI SITE SHALL BE CONSTRUED AS INVESTMENT ADVICE. WASI IS NOT A REGISTERED BROKER-DEALER OR INVESTMENT ADVISOR AND DOES NOT GIVE INVESTMENT ADVICE OR RECOMMEND ONE PRODUCT OVER ANOTHER.

7. Advertising & Sponsorship

Part of the Site may contain advertising and sponsorship. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on the Site complies with international and national law. WASI will not be responsible for any error or inaccuracy in advertising material.

8. Competitions and Free Prizes

From time to time WASI may run competitions, free prize draws and promotions on the Site. These may be subject to additional terms that will be made available at the time of such competitions.

9. Indemnification.

You agree to defend, indemnify and hold harmless WASI, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of the use by you of the WASI Site and/or the Community Areas.

10. Trademarks.

All trademarks appearing on the WASI Site are the property of their respective owners, including, in some instances, WASI.

11. Membership Services; Products and Premium Content.

Where WASI makes available to users certain online subscription services, premium content material and other paid services and products the following terms and conditions shall apply:

You shall authorize WASI to charge to the credit card account designated during the registration process the current fees and charges for each term according to the subscription plan, premium content or other product or service chosen by you. All payments are to be made in US Dollars or any alternative currency that WASI may specify. If WASI do not receive payment authorization from your credit card clearing service, WASI may immediately suspend or terminate your use of the site. You are responsible for the payment of all charges associated with the use of the Site using your ID. You are also responsible for any charges associated to connecting to the WASI Site, including but not limited to, any telephone line charges or any Internet access provider charges. You shall provide WASI with accurate, complete and updated information as to your name and e-mail address and credit card account information provided by you at registration. Failure to do so shall constitute a breach of this Agreement.

12. Changes to these Terms.

WASI shall have the right at any time to impose, change or modify its fees and billing methods, or other terms and conditions applicable to your use of any paid services or to impose new terms and conditions. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on the WASI Site a revised version of this Agreement or notification by electronic or conventional mail. If any such change is unacceptable to you, you may terminate the service as provided in Section 13 below. Any use of the service by you after such notice shall conclusively be deemed to constitute acceptance by you of such changes, modifications, additions or deletions. You agree to review the terms and conditions periodically to be aware of such revisions. You may also be subject to additional terms and conditions imposed by third party content providers in connection with third party content, software or services.

13. Termination.

Either you or WASI may terminate this Agreement at any time. WASI reserves the right to terminate or suspend your access and use of the site with or without notice. Your only right with respect to any dissatisfaction with (i) any terms and conditions of this Agreement, or policy or practice of WASI in operating the WASI Site and/or the Community Areas, (ii) content available through general use of the sites, subscription or otherwise, (iii) amount or type of fees or billing methods, or change therein, is to terminate this Agreement by sending notice to WASI at info@ewasi.com. Notice of termination will be effective upon receipt by WASI. Without limiting the foregoing, WASI shall have the right to immediately terminate this Agreement with respect to any user which WASI, in its sole discretion, considers to be unacceptable, or in the event of any breach by you of this Agreement. In the event that your account is terminated or canceled, no refund of any fees, including subscriptions or membership fees, will be granted. The provisions of Sections 6, 9, 14, 15 and this Section 13 shall survive termination of this Agreement. Fees paid for any Subscription are paid in advance and are not refundable in whole or in part. However, in the event of termination by WASI for any reason other than breach of this Agreement or termination by you in accordance with this Agreement, WASI shall make a pro rata refund to you.

14. General

This Agreement and any operating rules for the WASI Site and the Community Areas established by WASI constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. If any of the provisions of these terms are found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not effect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

15. Choice of Law and Jurisdiction.

This Agreement shall be governed and construed in accordance with California Law. The parties irrevocably agree that the courts of California shall (subject to the paragraph below) have exclusive jurisdiction to settle any dispute which may arise out of or in connection with these Terms or the legal relationship established by them, and for those purposes irrevocably submit all disputes to the jurisdiction of the Californian courts. For the exclusive benefit of WASI, WASI shall retain the right to bring proceedings as to the substance of the matter in the courts of the country of your residence or where these Terms are entered into in the course of your trade or profession, the country of your principal place of business.

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