IMMEDIATELY PRECEDING THE CLAIM (NO MATTER WHEN PAYMENTS WERE ACTUALLY MADE).</p> <p> <b>19. Term, Termination and Suspension.</b> These Terms will become effective on the date you first access or use the Service (“Effective Date”). The term of this contract (“Term”) will extend from the Effective Date until the first to occur of the following: (1) our termination of all of your rights hereunder.