Your gross negligence or willful misconduct. and/or (ii) Your use of the Product. and/or (iii) Your Data. and/or (iv) Your breach of these Terms. and/or (v) the use by You of any third party's intellectual property, or any action or inaction by you that infringes or misappropriates the intellectual property rights of a third party or violates applicable law.</p> <br> <strong>Identity Theft Insurance &amp. Restoration Services</strong> <ul> <li>Operator may from time to time offer you the opportunity to access via Operator’s platform certain third party identity theft related services, which may include identity theft insurance and identity restoration services (collectively “Ancillary Identity Theft Services"). The Operator collaborates with one or more licensed third party insurance services provider(s) to offer access to said Ancillary Identity Theft Services (“Insurance Service Provider(s)”). The Ancillary Identity Theft Services are underwritten and administered by the applicable Insurance Service Provider(s) under a master group policy issued in Operator’s name of for the benefit of our Users.