If you are under 13 years of age, you are not authorized to use the Service,</p> <p>with or without registering. In addition, if you are under 18 years old, you may use the Service, with</p> <p>or without registering, only with the approval of your parent or guardian.</p> <p>d. Member Account, Password and Security: The individual or entity registering for the Service by</p> <p>opening an account and accepting these Terms of Service (the “Account Owner”) will be the</p> <p>contracting party for purposes of these Terms of Service and will be the only person authorized to</p> <p>use any account Stan may provide to the Account Owner in connection with the Service, provided</p> <p>