19.</strong> <strong>INDEMNITY</strong> </p> <p> </p> <p>You agree to defend, indemnify, and hold harmless Pico, its parents, subsidiaries, and affiliates, and each of their respective officers, directors, employees, agents and advisors from any and all claims, liabilities, costs, and expenses, including, but not limited to, attorneys' fees and expenses, arising out of a breach by you or any user of your account under these Terms or arising out of a culpable breach of your obligations, representation and warranties under these Terms.</p> <p> </p> <p> <strong>