The use of the Online Payment Services is at the User’s discretion and sole liability. It is the User’s responsibility to abide by all the terms specified by the Online Payment Services’ providers in their terms of use and privacy policies, including but not limited to any age restrictions specified therein.</p> <p> <b>14.2</b> By purchasing Ludwig’s services made available through Ludwig, you represent that you are 18 years of age or older, or that you have the permission of a legal guardian (e.g., a parent), and that you will comply with all specified processes and procedures for redeeming your purchase.