Governing Law and Dispute Resolution <p> <b>11.1</b> You and we agree that these Terms shall be governed by and construed in accordance with the laws of New York State (without regard to the conflict of laws provisions thereof) and that any dispute between you and us concerning Direct.me or arising out of or related to these Terms shall be resolved exclusively in the courts of New York State.</p> <p> <b>11.2</b> Except where prohibited by applicable law, any claim or cause of action by you concerning Direct.me or arising out of or related to these Terms must be filed within one year after such claim or cause of action arose, or be forever barred.</p> 12.