You agree that regardless of any statute, regulation, or law to the contrary, any claim or cause of action you may have arising out of or related to use of the SoFi Site, the SoFi App, or these Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred. </p> <p> 17. <strong>Compliance with Applicable Law.</strong> You agree to abide by all applicable local, state, national, and international laws and regulations in your use of the SoFi Site. The SoFi Site is available only to individuals who are permitted to use it under applicable law.