THIS LIMITATION OF LIABILITY AND DAMAGES INCLUDES ,ANY AND ALL DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE ,DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, ,EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSSOF BUSINESS OR ,ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER ,CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, ,EVEN IF FORESEEABLE.,THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR ,LIMITED UNDER APPLICABLE LAW.,12.Limitation on Time to File Claims,ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO ,THESE TERMS OF USE OR THE WEBSITE OR SERVICES MUST BE COMMENCED WITHIN ONE ,(1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION ,OR CLAIM IS PERMANENTLY BARRED.