EXCEPT TO THE EXTENT SUCH TIME LIMITATION IS PROHIBITED BY LAW, YOU MUST FILE ANY CLAIM OR INITIATE ANY DISPUTE ARISING OUT OF OR IN CONNECTION WITH THE SERVICES OR CONTENT, THESE TERMS, OR THE PRIVACY POLICY WITHIN ONE YEAR OF THE DATE UPON WHICH SUCH CLAIM OR DISPUTE COULD BE FILED OR INITIATED, OR IT SHALL BE PERMANENTLY BARRED. </p> <p> <strong>20. Forward Looking Statements</strong> </p> <p>