Submission of Ideas Policy (“Submission Policy”) <p>    You agree any comments or materials sent to 3ABN’s site or elsewhere, including questions, comments, suggestions, or the like (collectively “Submissions”), shall be deemed to be non-confidential and non-proprietary and shall be deemed to be the property of 3ABN. 3ABN shall have no obligation of any kind with respect to such Submissions and 3ABN shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Submissions to others without limitation and without liability or obligation of any kind to you.