Company's owner, parents, subsidiaries, related companies, and each of their respective officers, directors, members, owners, employees, agents, representatives, and shareholders are included in any reference to "Company" herein. By using and/or accessing the Site, you agree to comply with and be bound by the following Terms and Conditions ("Terms and Conditions") (including the arbitration and class action waiver provisions below), the Privacy Policy ("Privacy Policy") and any and all other applicable Company operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, are expressly incorporated herein by reference (collectively, the "Agreement"). Please review the complete terms of the Agreement carefully. If you do not agree to the Agreement in its entirety, you are not authorized to use the Site in any manner or form.<br> <br> I. Requirements. The Site is not intended for use by individuals under eighteen (18) years of age. If you are under eighteen (18) years of age, you do not have permission to use and/or access the Site. The Site, and the ability to apply for Services, are available only to individuals at least eighteen (18) years of age who can enter into legally binding contracts under applicable law, and whom are residents of the United States. <br> <br> II. Agreement Acceptance. This Agreement constitutes the entire and only agreement between you and Company with respect to your use of this Site, and supersedes all prior agreements, representations, warranties and/or understandings with respect to the Site.