<ol> </ol> <strong>25. Limitation on Time to File Claims</strong> <p>ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR VIMCAL MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED. </p> <ol> </ol> <strong>26. Waiver and Severability</strong> <p>