By accessing or using our Services, you agree to abide by the terms and conditions outlined in these Terms of Use (referred to as this “Agreement”) as well as our Privacy Policy. The terms “we,” “us,” or “our” pertain to nxfi and its domestic legal subsidiaries and affiliates. The term “Services” collectively refers to various websites, applications, widgets, email notifications, and other mediums through which you have accessed this Agreement. The website nxfi.com may also be referred to as “our website.”

This Agreement includes an arbitration agreement covering all claims and disclaimers of warranties and liability.

Your Compliance with this Agreement. You acknowledge that this Agreement is supported by valuable consideration, including your ability to visit, use, and/or submit information to our Services. By accessing and using our Services, you agree to comply with this Agreement.

You represent that you have the legal 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 entity. We may monitor your access and use of our Services to ensure compliance with this Agreement and our Privacy Policy.

Our Services are Not Intended for Minors. Our Services are meant for adults and are not directed to minors. We do not knowingly collect personally identifiable information from anyone under the age of 13, as stated in our Privacy Policy.

Your Access and Use of our Services. Your access and use of our Services are personal to you and are not transferable. You may use our Services only for lawful purposes and in accordance with this Agreement and the Privacy Policy.

Your access and use of our Services may be interrupted occasionally for various reasons. We reserve the right to suspend or discontinue the availability of our Services at any time without prior notice.

Any actions by you that violate the terms of this Agreement, inhibit access or use of our Services, or involve defamation, abuse, harassment, or threats, are prohibited and may result in loss of access to our Services.

In accordance with the provisions outlined in this Agreement and the Privacy Policy, we reserve the right to provide you with a range of Services. Presented below are the terms and conditions that govern the usage of these Services.

You Must Maintain the Integrity of Your Information. To use certain Services, you may need to provide us with confidential information about yourself, such as personal identifying information, medical history, or financial details (“Your Information”). You agree to provide accurate and current information and to update it as necessary.

You Must Maintain the Security of Your Password. If our Services require a password, you are responsible for its security and will not hold us liable for any unauthorized use. You agree not to allow anyone under 18 to use our Services via your registration or password.

You Must Notify Us of Breaches. You agree to inform us immediately of any unauthorized use of your password or account, or any breach of security.

You Are Responsible for Your Financial Decisions. Our Services may connect you with third-party Service Providers, but we do not endorse or recommend them. It is your responsibility to investigate Service Providers and make informed decisions.

You Acknowledge We Are Not a Service Provider. We connect you with Service Providers but do not make coverage or credit decisions. We do not issue financial products.

No Guarantee of Quotes, Fees, Terms, Rates, Coverage, or Services. We do not guarantee the accuracy or quality of quotes, fees, terms, rates, coverage, or services offered by Service Providers.

You Do Not Pay Fees to Us for Basic Services. We do not charge you for basic Services, but Service Providers may pay us fees for services.

Requests for Quotes or Offers. Our Services may allow you to request quotes or offers from Service Providers, but these areas may be restricted to U.S. residents only.

We do not guarantee that you will be matched with a Service Provider if you submit a Match Request.

By making either a complete or incomplete Request, you agree that Your Information provided in connection with your Match Request may be used and disclosed as set forth in the Privacy Policy. This includes authorizing Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history if applicable, for purposes of providing you with your Match Request.

When you make a Match Request, you expressly authorize Service Providers and us to contact you by telephone, fax, and email at the numbers and addresses provided in your Match Request, for the purpose of providing you with the information, quotes, products, and services indicated in your Match Request. You consent to receive telephone calls from Service Providers and us, even if the phone number provided on your Match Request is on any “Do Not Call” list. You also consent to Service Providers and us making recorded calls to remind you of deadlines or other issues in connection with your Match Request.

You are solely responsible for complying with applicable laws and regulations in connection with your use of any services offered by us or a Service Provider.

Fees and Payments: Access and use of our basic Services are free. We may choose to charge fees for various premium features and services, and we will notify you of those charges at the time that we offer features and services for a fee. We may, at our sole discretion, change this policy and begin charging for access to our Services and other features and services. We may also add, remove, or change the features and services we offer or the fees (including the amount and type of fees) we charge at any time. If we introduce a new service or charge a new fee, we will establish and notify you of the fees for that service at the launch of the service or start of charging a new fee. If we notify you of new fees or changes to fees for an existing service, then you agree to pay all fees and charges specified and all applicable taxes for your continued use of the applicable service.

Consumer Disclosures

1. According to the Fair Credit Reporting Act, you have the right to request a disclosure of all information in your file from every credit reporting agency. However, full disclosure of Equifax information must be obtained directly from Equifax through their website. The credit report provided by us does not fulfill this requirement.

2. You have the entitlement to receive a disclosure directly from each consumer reporting agency free of charge under specific circumstances, including recent credit denials, unemployment, receipt of public welfare assistance, suspicion of fraud, or annually through www.annualcreditreport.com. However, the consumer reporting agency may impose a reasonable charge for the disclosure under other circumstances.

3. Under the Fair Credit Reporting Act, you have the right to dispute inaccurate or incomplete information in your credit file. However, it’s important to understand that accurate information cannot be changed.

4. You are not required to purchase your credit report or any other information from us to dispute inaccurate or incomplete information in your Equifax file or to receive a copy of your Equifax consumer credit report.

5. Equifax Information Services, LLC provides a proprietary consumer disclosure that differs from the consumer credit report offered through our site. This disclosure report must be obtained directly from Equifax. Residents of Colorado, Massachusetts, Maryland, New Jersey, and Vermont may receive one free copy of their consumer credit report annually, while residents of Georgia may receive two copies per year.

Payment and Order Validation; Sales Tax. Our credit and/or identity theft protection products and services may necessitate payment via a valid credit or debit card. By purchasing such products/services and providing payment information, you confirm that you are authorized to use the presented payment method. Additionally, you consent and authorize us to: (i) process a transaction using the provided card information, and (ii) for automatic recurring transactions, execute a transaction on a monthly or annual basis for membership renewals. We accept all major credit cards, including Visa®, MasterCard®, American Express®, and Discover®. Upon order placement, we may pre-authorize your credit card, affecting your available credit line. Subsequently, upon order processing, your credit card will be charged in full. We retain the right to verify your payment method and may reject any order for any reason. Should your order be rejected, we will make an attempt to notify you via email. Typically, your credit card will not be charged if the order is rejected. However, if your credit card is charged before we reject the order, a refund will be processed. In jurisdictions where applicable, sales tax at state and local rates may be applied. As part of our order process, an electronic receipt will be sent to your email address of record.

The services offered through our website are intended for personal use only. Any commercial use of the services or information provided from our website is strictly prohibited. Additionally, these services are limited to residents of the United States.

Return Policy; Order Disputes:

Unless explicitly stated otherwise, all orders placed through our website are considered non-refundable. If you have any questions regarding your orders or encounter disputes regarding charges to your credit card, please contact us via email at info@nxfi.com or in writing addressed to nxfi.

Your Rights Under State and Federal Law

Dispute Inaccurate Information: You have the right to dispute any inaccurate information in your credit report directly with the credit bureau. However, neither you nor any credit repair entity has the right to remove accurate, current, and verifiable information from your report. The credit bureau is required to remove accurate, negative information only if it is over 7 years old, with bankruptcy information remaining on the report for 10 years.

Access to Credit Report: You have the right to obtain a copy of your credit report from a credit bureau, which may involve a reasonable fee. However, you are entitled to a free copy if you have been denied credit, employment, insurance, or rental housing due to information in your credit report within the preceding 60 days. Additionally, you can receive a free copy if you are unemployed and intend to apply for employment in the next 60 days, if you receive public welfare assistance, or if you suspect fraudulent information in your report.

Legal Protection Against Credit Repair Organizations: You have the right to take legal action against any credit repair organization that violates the Credit Repair Organization Act, which prohibits deceptive practices by such entities.

Cancellation Rights: You have the right to cancel your contract with any credit repair organization within three business days from the date you signed it.

Accuracy of Reported Information: Credit bureaus are mandated to follow reasonable procedures to ensure the accuracy of the information they report. However, errors can occur.

Dispute Process: You have the right to notify a credit bureau in writing about any inaccuracies in your credit file. The bureau must then conduct a reinvestigation and modify or remove inaccurate or incomplete information without charging any fee for this service. You should provide pertinent information and copies of all relevant documents to support your claim.

Statement Addition: If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the bureau, which must be kept in your file. This statement should explain why you believe the record is inaccurate. The bureau is obligated to include a summary of your statement about disputed information with any report it issues about you.

Public Forums. Our Services may serve as a platform for user interaction, including blogs, messaging, chat rooms, bulletin boards, and other forums (collectively referred to as “Forums”), where users can contribute information and statements (“User Generated Content”). Neither we nor our advertisers are directly involved in the transmission of User Generated Content provided in the Forums. Consequently, we and our advertisers do not endorse or approve any User Generated Content in the Forums. You acknowledge and agree that neither we nor our advertisers have control over the quality, accuracy, timeliness, safety, truth, legality, or correctness of User Generated Content submitted by you or any other user in the Forums.

You may encounter User Generated Content posted in the Forums by other users that may be offensive, harmful, inaccurate, or deceptive. Therefore, it is essential to exercise caution and common sense and not solely rely on User Generated Content published in the Forums. It is not our or our advertisers’ responsibility to ensure that all posts and questions submitted in the Forums are addressed. While we do not regularly monitor User Generated Content in the Forums, we reserve the right (but are not obligated) to remove or edit any User Generated Content in the Forums at our sole discretion, for any reason or without providing a reason.

Immediately report problems with the Forums to us at info@nxfi.com

Transmissions, Submissions, and Postings to our Services. When you transmit, submit, or post information to our Services that is not federally trademarked and/or copyrighted, you automatically grant us and our assigns the worldwide, fully-paid, royalty-free, exclusive right and license to use, copy, format, adapt, publish, and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content (as defined below). In case you have obtained prior written permission from us to transmit, submit, or post information to our Services that is federally trademarked and/or copyrighted, you automatically grant us and our assigns the worldwide, fully-paid, royalty-free right to use, copy, format, adapt, publish, and/or incorporate any or all such information in any media whatsoever, including, without limitation, the Content.

You are prohibited from transmitting, submitting, or posting the following to our Services:

1. Information that infringes on our or any third party’s copyright, patent, trademark, trade secret, or other proprietary rights;

2. Information that violates any law, statute, ordinance, or regulation;

3. Information that is trade libelous, unlawfully threatening, unlawfully harassing, defamatory, obscene, explicit or vulgar, or otherwise injurious to us or third parties, or that infringes on our or any third party’s rights of publicity or privacy;

4. Information that contains 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;

5. Information containing or constituting chain letters, mass mailings, political campaigning, or any form of “spam”;

6. Information that is false, inaccurate, or misleading;

7. Commercial advertisements or solicitations without our written permission;

8. Federally trademarked and/or copyrighted information without our prior written permission.

The Federal Trade Commission (FTC) oversees the regulation of credit bureaus and credit repair organizations. For further information, you can contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

Although we do not regularly review your transmissions, submissions, or postings, we reserve the right (but not the obligation) to edit, refuse to post, or remove your transmissions, submissions, or postings. Pursuant to the Privacy Policy, we may review transmissions, submissions, or postings made by you to determine, in our sole discretion, your compliance with this Agreement.

You are solely responsible for all your transmissions, submissions, or postings (i.e., your own User Generated Content) and the consequences of transmitting, submitting, or posting them.

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 written permission. We make no proprietary claim to any third-party names, trademarks, or service marks appearing on our Services. Any third-party names, trademarks, and service marks are the property of their respective owners.

The information, advice, data, software, and content viewable on, contained in, or downloadable from our Services (collectively, the “Content”), including, without limitation, all text, graphics, charts, pictures, photographs, images, videos, line art, icons, and renditions, are copyrighted by, or otherwise licensed to, us or our Content suppliers. 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 or within our Services (the “Software”) is our property or the 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 are solely responsible for any damages resulting from your infringement of our or any third-party’s intellectual property rights regarding the Trademarks, the Content, the Collective Work, the Software, and/or any other harm incurred by us or our affiliates 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.

Your Use of the Content. 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 and 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 prior written permission.

You may not use any meta tags or any other “hidden text” utilizing our name or trademarks without our prior written permission.

Access and Interference. 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 our Services or any portion of our Services or for any other purpose, without our prior written permission. 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 load on our infrastructure; (ii) copy, reproduce, modify, create derivative works from, distribute, or publicly display any content (except for your personal information) from our Services without our prior written permission and the appropriate third party, as applicable; (iii) interfere or attempt to interfere with the proper working of our Services or any activities conducted on our Services; or (iv) bypass any robot exclusion headers or other measures we may use to prevent or restrict access to our Services. Notwithstanding the foregoing, we grant the operators of public search engines permission to use spiders to copy materials from our Services for the sole purpose and solely to the extent necessary for creating publicly available search indices of the materials on our Services, but not caches or archives of such materials. We reserve the right to revoke these exceptions either generally or in specific cases. Except as expressly permitted in this Agreement, you shall not collect or harvest any personally identifiable information, including account names, from our Services. You shall not use any communication systems provided on our Services (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of our Services without our prior written permission.

Electronic Communications. When you visit our Services 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 email or by posting notices on our Services. 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.

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 our Services, and all costs and fees associated with Internet access or long-distance charges incurred with regard to your access and use of our Services.

Third-Party Links or Access. There may be provided on our Services links or access to other websites or mediums belonging to our advertisers, business partners, affiliates, Service Providers, and other third parties. For example, we may obtain your credit report from Equifax or other credit reporting agencies. Such links and access do not constitute our endorsement of those third parties, nor the products or services of those third parties. We are not responsible for the activities or policies of those third parties. We are not responsible for examining or evaluating any third party products or services, and we do not warrant their offerings. We do not guarantee that the terms or rates offered by any particular advertiser, business partner, affiliate, Service Provider, or other third party on or through our Services are the best terms or lowest rates available in the market.

Mobile Devices. If we provide aspects of our Services 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 application.

Copyright Infringement. It is our policy to comply with the Digital Millennium Copyright Act, title 17, United States Code, Section 512, including, without limitation, responding to notices of alleged copyright infringement, and other applicable intellectual property laws. We shall, in appropriate circumstances, disable and/or terminate the accounts of users who may infringe or repeatedly infringe the copyrights or other intellectual property rights of ours and/or others.

Notifications (each a “Notification”) of claimed copyright infringement should be sent by either express mail or U.S. mail to our designated agent. Our designated agent contact information is set forth below:

Address of designated agent to which notification should be sent:

NXFI

Attention: General Manager

Facsimile number of designated agent: (949) 873-6934

Email address of designated agent: info@nxfi.com

Pursuant to Title 17, United States Code, Section 512(c)(3), to be effective, the Notification must include the following:

If you believe that your copyrighted work has been infringed upon on our website, please provide us with the following information in writing:

A physical or electronic signature of a person authorized to act on behalf of the copyright owner.

Identification of the copyrighted work claimed to have been infringed.

Identification of the infringing material and its location on our website.

Sufficient contact information of the complaining party.

A statement that the complaining party has a good faith belief that use of the material is not authorized by the copyright owner.

A statement that the information provided in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the copyright owner.

Upon receipt of a valid notification containing the above information, we will remove or disable access to the allegedly infringing material, forward the notification to the alleged infringer, and notify the alleged infringer of the action taken.

Counter Notification:

If you have received a notification of copyright infringement and believe it was made in error, you may submit a counter notification to our designated agent. Your counter notification must include:

A physical or electronic signature of the subscriber is required for the counter notification.

Identification of the removed material and its previous location on our website.

Identification of the removed material and its previous location on our website is necessary for the counter notification.

Your name, address, telephone number, and consent to jurisdiction of Federal District Court are required components of the counter notification.

Upon receipt of a valid counter notification, we will promptly provide a copy to the complaining party, inform them of our intent to replace the removed material, and replace the material within ten (10) to fourteen (14) business days, provided no legal action has been initiated by the complaining party. Additionally, please note that we make no representations or warranties regarding the content provided on our services. The content and all services and products associated with our services are provided to you on an “as-is” and “as available” basis. We do not make, and expressly disclaim, any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the content or the services and products associated with our services, or the safety, reliability, title, timeliness, completeness, merchantability, conformity or fitness for a particular purpose of the content or the services and products associated with our services. It is your sole responsibility to independently evaluate the accuracy, correctness or completeness of the content and the services and products associated with our services. Additionally, we are not a financial institution, insurance provider, credit card provider or other service provider, and therefore expressly disclaim any and all liability for any content, products or services provided by such service providers.

Prohibition of Class and Representative Actions and Non-Individualized Relief

You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims, and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect our other users.

Arbitration Procedures

Arbitration is more informal than a lawsuit in court. There is no judge or jury in arbitration, and court review of an arbitration award is very limited. However, an arbitrator can award the same damages and relief on an individual basis that a court can award to an individual. An arbitrator should apply the terms of this Agreement as a court would.

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.

The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA’s site at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us, unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of Florida, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users, but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA’s rules.

Severability

With the exception of any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”) is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.

Future Changes to the Agreement to Arbitrate

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make any change to this Agreement to Arbitrate (other than a change to any notice address or site link provided herein) in the future, that change shall not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the change. The change shall apply to all other disputes or claims governed by the Agreement to Arbitrate that have arisen or may arise between you and us. We will notify you of changes to this Agreement to Arbitrate by posting the amended terms on our Services at least 30 days before the effective date of the changes and/or by email.

Judicial Forum for Legal Disputes

Unless mutually agreed otherwise, if the Arbitration Agreement mentioned above is deemed inapplicable to you or a specific claim or dispute, either by the arbitrator’s decision or a court order, you consent that any claim or dispute between you and us must be exclusively resolved in a state or federal court situated in Palm Beach County, Florida. Both parties agree to accept the jurisdiction of the courts in Palm Beach County, Florida, for the resolution of such claims or disputes. Additionally, you acknowledge and agree that: (i) our Services are considered to be solely based in the State of Florida; and (ii) our Services are deemed passive, not giving rise to personal jurisdiction over us or our assigns, whether specific or general, in jurisdictions other than the State of Florida.

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 Policy 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.

If you have questions, comments, concerns or feedback regarding info@nxfi.com