or ,h.) In accordance with Navy Federal’s Privacy Policy, which you can find on ,navyfederal.org. ,17. Governing Law and Forum for Disputes ,This Agreement shall be governed by and construed in accordance with the laws ,of the Commonwealth of Virginia, without regard to its conflicts of laws provisions, ,provided, however, that any dispute solely between you and the Service Provider shall ,be governed by and construed in accordance with the laws of the State of Georgia, ,without regard to its conflicts of laws provisions.