4. AUTHORIZED INFORMATION PROCESSING AND STORAGE <p>We, our affiliates, vendors and/or service providers may collect and transfer information about you. (For more information on the type of information we collect, please refer to our Privacy Policy.) In some cases, your information may cross borders from your country or jurisdiction to other countries or jurisdictions around the world. If you are located in a region outside the United States with laws governing data collection and use that may differ from U.S. law, you agree that such information is collected, stored and used in the United States and that U.S. law shall apply.