These Terms and any policies or operating rules posted by us on the Sites constitutes the entire agreement and understanding between you and us and govern your use of the Sites and our services, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms).</p> <p> </p> <p>California state law and applicable U.S. federal law, without regard to the choice or conflicts of law provisions, will govern these Terms. Foreign laws do not apply.