To the fullest extent permitted by applicable law and except as set forth in this paragraph, Spruce will not be liable to you for any punitive, special, incidental, or consequential loss or damage, including lost profits, even if Spruce has been advised of the possibility of such damages. To the fullest extent permitted by applicable law and subject to this paragraph, in no event will Spruce's total liability for any damages, claims, or losses arising under these Terms exceed the total amount of payments actually paid by you to us, if any, in the preceding twelve (12) months prior to the date the liability first arose. You agree to indemnify, defend, and hold harmless Spruce and its affiliates and their respective officers, directors, managers, partners, members, employees, and agents from and against any and all third-party claims, demands, liabilities, costs, or expenses, including attorneys' fees and costs, regarding, resulting, or arising out of your use of this Website.</p> VI. Privacy <p>Spruce understands the importance of privacy.