Ludwig does not accept any codes of conduct as mandatory in connection with the services provided under these Agreements.</p> <p> <b>20.3</b> WHERE PERMITTED UNDER THE APPLICABLE LAW, YOU AND LUDWIG AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. </p> <p>Unless both you and Ludwig agree, no arbitrator or judge may consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding.</p> <p> <b>