13 - Our Intellectual Property <p> Nothing in these Terms of Service grant you ownership of any intellectual property owned by us You agree and acknowledge that we own or are licensed to use all copyright, database rights, trade marks and other intellectual property rights in and to all parts of the Site, and to the business of Problem Free, including the structure, design, essence and layout of the Site.</p> 14 - Your Intellectual Property <p> By using the Services, any copyright you own in any material used or posted on the Site shall remain your property. Problem Free shall retain the copyright of all other material on the Site and in the Services.</p> <p> By using or posting content to Problem Free, you agree to give Problem Free a non-exclusive worldwide, royalty-free and transferable license to use, reproduce, distribute, modify, make publicly available and otherwise exploit your content for the limited purposes of providing the Services to you and as otherwise permitted by our privacy policy.</p> 15 - Liability <p> To the extent permitted by law, the aggregate liability of Problem Free arising out of in connection with the Services and these Terms of Service shall not exceed the amount paid by you to Problem Free for use of the Services during the 12 months prior to the event giving rise to the liability.</p> <p>