This Agreement is separate from any agreements that you may enter into with your broker-dealer, including any customer or account agreements and any other agreements that govern your use of software, products, good, services, content, tools, and information provided by your broker-dealer.</p> <p>YOU HEREBY AFFIRM THAT YOU ARE 18 OR OLDER TO ENTER INTO THIS AGREEMENT.</p> <p>THIS AGREEMENT CONTAINS A MANDATORY ARBITRATION PROVISION THAT, AS FURTHER SET FORTH IN SECTION 18 BELOW, REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR ANY OTHER COURT PROCEEDINGS, OR CLASS ACTIONS OF ANY KIND.</p> <ol> <li>Changes to this Agreement</li>