Last Updated: January 2026

MG LLC d/b/a TRANZACT, a Delaware limited liability company, and/or its affiliated and subsidiary companies (individually and/or collectively, “TRANZACT,” “we” or “us” or “our”) owns and operates this website, and portions of other web pages and web content through which you have accessed these Terms of Use (collectively, the “Site”). By visiting, using and/or submitting information to the Site, you agree to be bound by these Terms of Use (this “Agreement”). We may collect or receive your personal information when you use this Site or our Services (defined below). Our collection, processing, and maintenance of this personal information is governed by our Privacy Notice (the “Privacy Notice”), which is incorporated herein by reference and made part of this Agreement. To the extent there is an inconsistency between this Agreement and the Privacy Notice, the Privacy Notice shall govern.

THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS, A JURY TRIAL WAIVER, AND A CLASS ACTION WAIVER THAT AFFECTS YOUR RIGHTS. IN ARBITRATION, THERE IS NO JUDGE OR JURY, AND THERE IS LESS DISCOVERY AND APPELLATE REVIEW THAN IN COURT. THIS AGREEMENT ALSO INCLUDES DISCLAIMERS OF WARRANTIES AND LIABILITY THAT MAY AFFECT YOUR RIGHTS AND ABILITY TO RECOVER CERTAIN DAMAGES. DETAILS ARE SET FORTH BELOW. PLEASE REVIEW CAREFULLY.

You acknowledge and agree that you understand TRANZACT is not an insurance company.  Through the Site, we may help to connect you with independent third parties, such as insurance companies (“Third Parties” or each individually, a “Third Party”) that might provide you with insurance coverage if you choose to enroll in an insurance plan through the Site or through one of our licensed insurance agents (our “Services”). We do not, and will not, make any coverage or credit decision with any insurance company or Third Party referred to you. We do not issue insurance coverage or any other financial products.

You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity.

THE SITE IS NOT INTENDED FOR MINORS

The Site is intended to be accessed and used only by adults and is not directed to minors. We do not knowingly collect personal information from anyone under the age of 18 and you should not provide us with any information regarding any individual under the age of 18.

YOUR ACCESS AND USE OF THE SITE

Your right to access and use the Site is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes and pursuant to this Agreement. You agree not to use the Site in a way that violates any laws, infringes any individual or entity’s rights, is inappropriate or offensive, or interferes with the Site or any features on the Site (including any technological measures we employ to enforce this Agreement). You acknowledge and agree that using our Site does not afford you any rights to the Content (defined below) you access. You may not use, copy, edit or distribute Content from our Site unless you obtain prior written approval from us.

Any action by you that, in our sole discretion: (i) violates the terms set forth in this Agreement; (ii) restricts, inhibits or prevents any access, use or enjoyment of the Site; or (iii) through the use of the Site, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use the Site or access our Services. You shall not metatag, provide links to or frame the Site without our prior express written permission.

Your access and use of the Site may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Site or other actions that we, in our sole discretion, may elect to take. We reserve the right to suspend or discontinue the availability of the Site and/or any portion or feature of the Site at any time in our sole discretion and without prior notice.

YOUR ACCESS AND USE OF OUR SERVICES

Below are terms and conditions governing the Services made available to you via the Site.

You Must Maintain the Integrity of Your Information. To use certain Services, you may be required to provide us with information about you (“Your Information”). If you provide Your Information to us then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of Your Information changes.

You Are Responsible for Your Financial and Insurance Decisions. We, through the Site, provide a venue through which you can obtain information and request to be connected to licensed insurance agents and Third Parties based on Your Information provided to us. It is your responsibility to vet and select Third Parties. You acknowledge and agree that Third Parties are solely responsible for any services that they may provide to you and that we shall not be liable for any losses, costs, damages or claims in connection with, arising from or related to your use of a Third Party’s products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment in selecting any products or services offered by Third Parties.

You Do Not Pay Fees to Us. TRANZACT does not charge consumers a fee to access the Site or Services. Third Parties however, may pay us fees in order to be matched with consumers. TRANZACT is not involved with and is not responsible for any fee arrangement consumers and Third Parties may enter into. You acknowledge and agree to this compensation arrangement. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Third Party’s products or services, including any fees charged by a Third Party.

Applications and Requests for Quotes or Offers. The Site may give you the opportunity to apply for an insurance plan (each, an “Application”) and/or to request to be contacted by and receive quotes or offers from licensed insurance agents to discuss insurance products offered by Third Parties (each, a “Request”). Portions of the Site providing this opportunity (the “Request Areas”) are only available to residents of the United States, and may not be available in all states.

• We make no guarantee that you will qualify for an insurance plan with a Third Party if you submit an Application, or that you will be contacted by a licensed insurance agent if you submit a Request.

 

• You agree that any information that you provide in connection with your Application or Request may be used and disclosed as set forth in the Privacy Notice and/or as otherwise set forth at the time you provide such information. You authorize Third Parties, and their affiliates and service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of responding to your Application or Request. We are not responsible for the way a Third Party processes your personal information, and we encourage you to review the privacy practices of Third Parties you engage with.

 

• If you make a Request, then you expressly authorize an insurance agent  to contact you by telephone, text and email at the numbers and addresses provided in your Request, for purposes of providing you with the quotes, products and services indicated in your Request, each as applicable. You consent to receive telephone calls from insurance agents to discuss the products and services offered, even if the phone number that you provided on your Request is on any “Do Not Call” list. You also consent to the recording of such calls.

 

• If you submit an Application, then you expressly authorize us and/or the applicable Third Party to contact you by telephone, text and email at the numbers and addresses provided in your Application, for purposes of processing your Application. You provide this consent to receive telephone calls from us or the applicable Third Party, even if the phone number that you provided on your Request is on any “Do Not Call” list. You also consent to the recording of such calls.

 

• You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by a Third Party, including a Third Party’s terms of service.

OUR INTELLECTUAL PROPERTY RIGHTS

Our names, graphics, logos, page headers, button icons, scripts, and service names are our trademarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without our prior express written permission, which permission may be withheld in our sole discretion. TRANZACT makes no proprietary claim to any third-party names, trademarks or service marks appearing on the Site. Any third-party names, trademarks, and service marks are property of their respective owners.

The information, advice, data, software and content viewable on, contained in, or downloadable from the Site (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, line art, icons and renditions, are copyrighted by, or otherwise licensed to, us or third parties. We also own a copyright of a collective work in the selection, coordination, arrangement, presentation, display and enhancement of the Content (the “Collective Work”). All software used on the Site (the “Software”) is our property or
property of our software vendors and is protected by United States and international copyright laws. Viewing, reading, printing, downloading or otherwise using the Content and/or the Collective Work does not entitle you to any ownership or intellectual property rights to the Content, the Collective Work or the Software.

You shall be solely responsible for any damage resulting from your infringement of our or any third party’s intellectual property rights regarding the Proprietary Marks, the Content, the Collective Work, the Software and/or any other harm incurred by us as a direct or indirect result of your copying, distributing, redistributing, transmitting, publishing or using the same for purposes that are contrary to the terms and conditions of this Agreement.

We grant you a limited license to access, print, download or otherwise make personal use of the Content and the Collective Work in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or the Collective Work or utilize them for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content or the Collective Work, or transfer the Content or the Collective Work to another person or entity.

Except as otherwise permitted under the copyright laws of the United States, no other copying, distribution, redistribution, transmission, publication or use, other than the non-commercial use of the Content and the Collective Work as permitted by this Agreement, is permitted by you without our express prior written permission, which permission may be withheld in our sole discretion.

You may not use any meta tags or any other “hidden text” utilizing our name or trademarks without express written permission, which permission may be withheld in our sole discretion.

SITE ACCESS AND INTERFERENCE

The Site contains robot exclusion headers. You agree that you will not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, except where permitted. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in our sole discretion an unreasonable or disproportionately large data load on our infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute or publicly display any content (except for your personal information) from the Site without our prior written permission and the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iv) bypass our robot exclusion headers or other measures we may use to prevent or restrict access to the Site. Notwithstanding the foregoing, we grant the operators of public search engines permission to use creating publicly available search indices of the materials on the Site, but not caches or archives of such materials. We reserve the right to revoke these exceptions either generally or in specific cases.

ELECTRONIC COMMUNICATIONS

When you visit the Site or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. Although we may choose to communicate with you by regular mail, we may also choose to communicate with you by e-mail or by posting notices on the Site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing and do not constitute unsolicited electronic communications.

YOUR RESPONSIBILITY FOR EQUIPMENT AND RELATED COSTS

You are responsible for obtaining and maintaining all telephone, computer hardware, Internet access services and other equipment or services needed to access and use the Site, and all costs and fees associated with Internet access or long-distance charges incurred with regard to your access and use of the Site.

THIRD PARTY LINKS

There may be provided on the Site links to other websites belonging to our advertisers, business partners, affiliates, Service Providers and/or other third parties. Such links do not constitute an endorsement by us of those websites, nor the products or services listed on those websites. We are not responsible for the activities or policies of those websites. We do not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. We do not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Service Provider or other third party on the Site are the best terms or lowest rates available in the market.

MOBILE DEVICES

If we provide aspects of the Site via an application for your mobile or other device, please be aware that your carrier’s normal rates and fees may apply and that the terms of this Agreement and other agreements within the application apply to your use of such mobile application.

NO REPRESENTATIONS OR WARRANTIES

The Content and all services and products associated with the Site are provided to you on an “as-is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, materials, products or services included on or associated with the Site. You expressly agree that your use of the Site and all products and services included on or associated with the Site is at your sole risk.

We do not make any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the Content or the services and products associated with the Site, nor the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the Content or the services and products associated with the Site. It is your sole responsibility to independently evaluate the accuracy, correctness or completeness of the Content and the services and products associated with the Site. We make no representation, warranty or guarantee that the Content that may be available for downloading from the Site is free of infection from any viruses, worms, Trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. We do not make any representations, warranties or guarantees, express or implied, regarding any quotes OR OFFERS provided on or through the Site.

The Content is intended only to assist you with information related to financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information provided on this Site may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances. Nothing on our Site constitutes financial advice.

LIMITATIONS OF LIABILITY

To the fullest extent permitted by law, we, our members, managers, directors, officers, shareholders, employees, assigns, independent contractors, representatives, and agents, shall in no event be responsible to, or liable to, you, or any third party, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of: (i) your breach or violation of this Agreement; (ii) your access and use of the Site; (iii) your delay in accessing or inability to access or use the Site (iv) your downloading of any of the Content or the Collective Work for your use; (v) your reliance upon or use of the Content or the Collective Work, or (vi) any information, software, products or services obtained through the Site, or otherwise arising out of the use of the Site.

THIS LIMITATION OF LIABILITY APPLIES, IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE.  NOTWITHSTANDING THE FOREGOING, WE DO NOT EXCLUDE LIABILITY FOR ANY CONDITION OR WARRANTY THAT CANNOT BE EXCLUDED BY LAW.  OUR LIABILITY FOR THE BREACH OF SUCH CONDITION OR WARRANTY SHALL BE LIMITED TO THE GREATER OF THE COST OF PROVIDING THE AFFECTED SERVICE AGAIN AND THE SUM EQUIVALENT TO US $100, EXCEPT WHERE PROHIBITED BY LOCAL LAW.

INDEMNIFICATION

You shall defend, indemnify and hold harmless Us and our members, managers, directors, officers, shareholders, employees, assigns, independent contractors, representatives, and agents from and against all claims and expenses, including, but not limited to, attorney’s fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information requested or required by us; (iii) your access or use of the Site; (iv) access or use of the Site under any password that may be issued to you; and/or (v) any personal injury or property damage caused by you.

GOVERNING LAW

To the fullest extent allowed by law, all actions arising out of or relating to the Agreement will be governed by the laws of the State of New Jersey without giving effect to principles of conflict of laws.  To the extent legally applicable, you agree that, notwithstanding any statute of limitation to the contrary, any claim or action you may wish to bring against us for any act or omission arising out of or relating to the Agreement must be brought within one (1) year from the date of the alleged act or omission giving rise to the claim or cause of action. Failure to bring such action within the permitted time shall act as a bar against all claims against us for such act or omission.  You waive any and all claims or rights to have any other statute of limitation apply. 

In the event that any alleged act or omission giving rise to your claim is not subject to binding arbitration, or any issue of arbitrability arises as described in the below section, any such claim will be brought in the courts of record of Bergen County, New Jersey, or the United States District Court for the District of New Jersey, located in Newark, New Jersey.  You consent to the jurisdiction of such courts and waive any objection to venue.

DISPUTE RESOLUTION; ARBITRATION

PLEASE READ THIS SECTION CAREFULLY, AS IT CONTAINS AN ARBITRATION AGREEMENT (THE “ARBITRATION AGREEMENT”) AND MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS.  THIS SECTION ALSO CONTAINS A WAIVER OF ANY AND ALL RIGHTS TO PROCEED IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION IN ARBITRATION OR LITIGATION, AS WELL AS A RIGHT TO HAVE A TRIAL BY JURY.

Arbitration Agreement:  Unless you opt out as set forth below, any Dispute (defined below) between you and us, any of our parents, subsidiaries, affiliates, or independent contractors, or any of their members, managers, directors, officers, shareholders, employees, assigns, or representatives arising from or relating to the use of the Site shall be resolved by final and binding arbitration.  The arbitrator shall decide what is subject to arbitration.  TRANZACT’s parents, subsidiaries, affiliates, or independent contractors, and any of their members, managers, directors, officers, shareholders, employees, assigns, or representatives are intended to be third-party beneficiaries of this Agreement.

For purposes of this Section, “Dispute” shall include, but is not limited to, any claims or controversies between you and us that are related in any way to this Agreement, including, but not limited to, your use of the Site, sales, returns, refunds, cancellations, defects, policies, privacy, advertising, and/or any communications between you and us, whether occurring on the Site or otherwise, even if the Dispute arises after the termination of your relationship with us.  “Dispute” also includes, without limitation, claims that: (a) you bring against us; (b) we bring against you; (c) in any way relate to or arise out of any aspect of the relationship between you and us, whether based in contract, tort, statute, fraud, misrepresentation, advertising claims, or any other legal theory; (d) arose before you entered into the Agreement or out of a prior agreement with us (including, without limitation, claims relating to advertising); (e) are subject to ongoing litigation where you are not a party or a member of a certified class; and/or (f) arise after the termination of the Agreement. “Dispute,” however, does not include disagreements or claims concerning patents, copyrights, trademarks, and trade secrets and claims of piracy or unauthorized use of intellectual property or claims for personal bodily injury, which shall not be subject to arbitration or the notice and informal process described below. 

The arbitrator shall decide all issues except for: (a) those that are specifically reserved for a court herein; (b) those issues relating to the scope, validity, and enforceability of the Arbitration Agreement or any of the provisions of this Section; (c) any issues arising from or relating to the arbitrability of any Dispute; and (d) whether the arbitration administrator cannot or will not administer the arbitration in accordance with this Arbitration Agreement—all of which are for a court of competent jurisdiction to decide. 

Notwithstanding this agreement to arbitrate, the parties agree that claims for only injunctive relief on an individual basis may be brought exclusively in either the United States District Court for the District of New Jersey or the state courts in Bergen County, New Jersey.  The parties further agree that judgment on any award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.  This agreement to arbitrate shall survive any termination of parties’ respective relationship, including after you have stopped accessing or using the Site.  This Arbitration Agreement does not in any way alter your ability to bring concerns to our attention, or to raise any concerns with federal, state, or local agencies. 

There is no judge or jury in arbitration, and court review of an arbitration award is limited.  However, an arbitrator can award on an individual basis the same damages and relief as a court and must follow the terms of this Agreement as a court would.

a.      Pre-Dispute Notice. You and we agree to engage in good faith informal efforts to resolve a dispute before initiating any arbitration.  The party raising a dispute, whether it be you or us, must first send a written notice to the other party providing a detailed description of the dispute, including: (1) the initiating party’s name and contact information (address, telephone number, email address); (2) the nature and basis of the dispute and any claims; and (3) the nature and basis of the relief sought (including a calculation of damages).  Your notice to us must be personally signed by you (and your attorney if you are represented by legal counsel).  Our notice to you must be personally signed by us (through a company representative, and our attorney if we are represented by legal counsel).  Your notice to us must be sent to the following: TRANZACT, 96 Linwood Plaza #144, Fort Lee, NJ 07024-3701.  Our notice to you must be sent to the most recent contact information that you have provided us.  

 

For a period of 60 days from the date of receipt of a completed notice from the other party, you and we will work together using reasonable efforts to try and resolve the Dispute.  If the Dispute is not resolved within this 60-day period (which can be extended by agreement of the parties), you or we may commence arbitration consistent with the process set forth below.  Compliance with this informal dispute resolution process is mandatory and a condition precedent to initiating arbitration. 

By signing a dispute notice, you and your counsel certify that to the best of your and your counsel’s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, that: (1) the dispute notice is not being presented for any improper purpose, such as to harass, cause unnecessary delay, or needlessly increase the cost of dispute resolution; (2) the claims, defenses and other legal contentions are warranted and are made in good faith and are not frivolous; and (3) the factual and damages contentions have evidentiary support or, if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery.  An arbitrator is expressly authorized to impose any sanctions or other relief available under Federal Rule of Civil Procedure 11 on represented parties and their counsel.

Any applicable limitations period (including statutes of limitation) shall be tolled while the parties engage in the informal dispute resolution process referenced above.

b.    Arbitration Procedures. If the parties do not reach a solution during the pre-notice dispute resolution process referenced above, then, upon notice by either party to the other, all disputes, claims, questions, or differences, except as provided herein, shall be settled by binding arbitration.  The arbitration will be administered by JAMS under its applicable rules, including the Streamlined Arbitration Rules & Procedures, Comprehensive Arbitration Rules & Procedures, and/or JAMS Mass Arbitration Procedures and Guidelines, as applicable (the “JAMS Rules”), as modified by this Agreement. The JAMS Rules are available at https://www.jamsadr.com/adr-rules-procedures. You will be responsible for up to $250 of the administration fees, or as otherwise provided by the JAMS Rules. We may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. 

An arbitration demand must be accompanied by a certification of compliance with the mandatory informal dispute resolution procedure outlined above and be personally signed by the party initiating the arbitration (and counsel, if represented). 

By signing an arbitration demand, you and your counsel certify that to the best of your and your counsel’s knowledge, information, and belief, formed after an inquiry reasonable under the circumstances, that: (1) the arbitration demand are not being presented for any improper purpose, such as to harass, cause unnecessary delay, or needlessly increase the cost of dispute resolution; (2) the claims, defenses and other legal contentions are warranted and are made in good faith and are not frivolous; and (3) the factual and damages contentions have evidentiary support or, if specifically so identified, will likely have evidentiary support after a reasonable opportunity for further investigation or discovery.  An arbitrator is expressly authorized to impose any sanctions or other relief available under Federal Rule of Civil Procedure 11 on represented parties and their counsel.

If any part of this Arbitration Agreement (including the below Additional Terms Applicable to Mass Arbitrations) is deemed invalid, it shall not invalidate the other parts.  If JAMS is unavailable, the parties or a court will select another arbitral forum.

c.    Additional Terms Applicable to Mass Arbitrations.  In the event that claimants (including you) assert or seek to assert 25 or more similar arbitration demands against us with the same counsel or counsel acting in coordination (“Mass Arbitration”), the JAMS Mass Arbitration Procedures and Guidelines and the provisions of this paragraph shall apply (in addition to the terms set forth in the above Arbitration Agreement).  In the event a Mass Arbitration is presented, you and we will attempt to agree on a batching protocol where arbitrations will be filed and proceed in stages.  If you and we cannot agree, the parties will submit the issue to a process arbitrator appointed by JAMS to decide.  Any applicable limitations period (including statute of limitations) shall be tolled from the time your dispute is first presented to JAMS as being part of a Mass Arbitration until your dispute proceeds in arbitration or is otherwise resolved. 

This batch process shall in no way be interpreted as authorizing a class, collective and/or mass arbitration or action of any kind, or arbitration involving joint or consolidated claims under any circumstances, except as expressly set forth in this provision.  You and we agree that the parties (and your and our counsel, if you and we are represented) will work together in good faith to ensure that arbitration remains cost-effective for all parties.

d.     Opt-Out Procedure.  Opt-out. You have the right to opt out of the provisions of this Section by sending written notice of your decision to opt-out to the following address: TRANZACT, 96 Linwood Plaza #144, Fort Lee, NJ 07024-3701.

 

The notice to opt-out must be postmarked within 30 days of first accepting the Agreement. You must include (1) your name and residence address; (2) the email address and/or telephone number you used to conduct business with us; and (3) a clear statement that you want to opt out of the Arbitration Agreement.

AMENDMENTS OF THIS AGREEMENT

We reserve the right to update, amend and/or change this Agreement at any time in its sole discretion. Notice of updates to this Agreement will be made available to You. Amendments will take effect immediately upon our posting the updated Agreement on the Site. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of the Site following the posting of any such changes shall automatically be deemed your acceptance of all changes.

MISCELLANEOUS

If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement.

The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.

All covenants, agreements, representations and warranties made in this Agreement, as may be amended by us from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.

This Agreement and the Privacy Notice represent the entire understanding and agreement between you and us regarding the subject matter of the same, and supersede all other previous agreements, understandings and/or representations regarding the same.

CONTACT

If you have questions, comments, concerns or feedback regarding this Agreement or the Site, please contact us at the following address.

TRANZACT

96 Linwood Plaza #144

Fort Lee, NJ 07024-3701

Attention: www.TRANZACT.net