We reserve the right to transfer or assign this ,Agreement or any right or obligation under this Agreement at any time to any party. ,We may also assign or delegate certain of our rights and responsibilities under this ,Agreement to independent contractors or other third parties. ,23. Amendments ,We may amend this Agreement and any applicable fees and charges for the Services ,at any time by posting a revised version on our website, navyfederal.org, or, where ,required by law, providing notice to you. The revised version will be effective at the ,time it is posted unless a delayed effective date is expressly stated in the revision. Any ,use of the Services after a notice of change or after the posting of a revised version of ,this Agreement on navyfederal.org will constitute your agreement to such changes ,and revised versions. Further, we may, from time to time, revise, update, upgrade, ,or enhance the Services and/or related applications or material, which may render ,all such prior versions obsolete.