You bear full responsibility for archiving and backing up your User Files and data and sole liability for any lost or irrecoverable User Files or data.</p> </li> <li>Security Of Transmissions <p>There may be security, transmission or other risks associated with use of the Internet and Online Services and you expressly assume any and all such risks. You are responsible for obtaining all software, hardware or other equipment necessary to use Online Services, including, without limitation, the use of up-to-date web-browsers and appropriate encryption, antivirus, anti-spyware, and Internet security software.