All fees and charges are non-refundable and there are no refunds or credits once your account has been billed, including if your account is terminated, suspended or cancelled.&nbsp;</p> <p>&nbsp;</p> <p> <strong>14. Intellectual Property Rights</strong> </p> <p>Copyright. All materials on the Site other than User Content are either owned by Pawshake or are the property of Pawshake's suppliers or licensors.