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Terms of Use
Acceptance of Terms
Definitions
Description of Service
Your Registration Obligations
Privacy Policy
Profile, Password, and Security
User Conduct
Content Submitted or Made Available for Inclusion on the Service
Indemnity
General Practices Regarding Use and Storage
Modifications to Service
Termination
Dealings with Service Providers
Links
Proprietary Rights
Disclaimer of Warranties
No Third Party Benificiaries
Trademark Information
Notice and Procedure for Making Claims of Copyright or Intellectual Property Infringement
Violations
Interest Waiver
Transferring funds as an Agent
Fees
Payments to Service Providers
Credit Card Payments and Charge Backs
Remedies and Our Right to Collect from You
Electronic Communications Constituting a Signed Agreement
Legal Process
Credits and Refunds
Disputes
General Information
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Acceptance of Terms
  ePlap® offers its services to you subject to the following Terms of Use (TOU), which may be updated by us from time to time without notice to you. You can review the most current version of the Terms of Use at any time at www.eplap.com/terms. In addition, we will make available any guidelines or rules which are incorporated into the Terms of Use by reference.

If you do not agree to be bound by our Terms of Use, do not use or access our Service.
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Definitions
  The eplap.com web site, application, service, and any related products and services provided by ePlap® or its subsidiaries, collectively refers to the "Service". In this Terms of Use, "you" or "your" means any person or entity using the Service (User). Unless otherwise stated, “ePlap”, "eplap.com," "we", "our", “us” will refer collectively to ePlap® and its subsidiaries. The term “Booker” refers to a user that accesses the Service to find or pay for products or services and “Service Provider”, “SP”, or “Advertiser” refers to a User that accesses the Service to provide or sell products or services. For more information on ePlap® terminology, please visit our Glossary.

The terms "prepaid card" or “ePlap® MasterCard®” refers to a MasterCard®-branded prepaid card issued by Banque Invik through eplap.com. Use of the ePlap® MasterCard® is governed by its General Terms and Conditions (GTC), also available for review at www.eplap.com/termsbimc. In addition, services provided by Service Providers, members, customers, or affiliates of ePlap® may be governed by different terms.
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Description of service
  ePlap® provides resources for Service Providers to promote and sell their services and for Bookers to find and pay for those services. Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to the Terms of Use.

ePlap® acts as a facilitator to help you accept payments from Bookers and make payments to Service Providers. ePlap® will at all times hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make funds available to its creditors in the event of bankruptcy or for any other purpose. You acknowledge that
  i) ePlap® is not a bank and the Service is a payment processing service rather than a banking service, and
  ii) ePlap® is not acting as a trustee, fiduciary or escrow agent with respect to your funds, but is acting only as an agent and custodian
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Your Registration Obligations
  Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of Canada or other applicable countries in which ePlap® operates.

You also agree to:
  a. provide true, accurate, current and complete information about yourself as prompted by the Service's registration forms (the "Profile") and
  b. maintain and promptly update your Profile data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or ePlap® has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, ePlap® has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

You are responsible for obtaining access to the Service, and that access may involve third-party fees (such as Internet service provider or airtime charges). You are responsible for those fees, and you also must provide and are responsible for all equipment necessary to access the Service.
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Privacy Policy
  Profile data and certain other information about you are subject to our Privacy Policy. For more information, see our full privacy policy at http://www.eplap.com/privacy. You understand that through your use of the Service you consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this information to Canada and/or other countries for storage by eplap.com. You also acknowledge, consent and agree that ePlap® may access, preserve and disclose your account information and content if required to do so by law.
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Profile, Password, and Security
  You will choose a password and a new Profile will be created for you upon completing the Service's registration process. You are responsible for maintaining the confidentiality of your password and Profile and are fully responsible for all activities that occur with your Profile. You agree to (a) immediately notify ePlap® of any unauthorized use of your password or Profile or any other breach of security, and (b) ensure that you exit from your Profile at the end of each session. ePlap® cannot and will not be liable for any loss or damage arising from your failure to comply with this Section.
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User Conduct
  You understand that all information, data, text, software, sound, photographs, graphics, video, messages, tags, or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. This means that you, and not eplap.com, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service.

You agree to not use the Service to:
 
  a. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;
  b. harm minors in any way;
  c. impersonate any person or entity, including, but not limited to, an ePlap® employee, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  d. forge or otherwise manipulate identifiers in order to disguise the origin of any Content uploaded, posted, emailed, or transmitted to or through the Service;
  e. upload, post, email, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  f. upload, post, email, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party;
  g. upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  h. upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation;
  i. intentionally or unintentionally violate any applicable local, municipal, state, provincial, national, federal or international law;
  j. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
  k. stalk or otherwise harass another; and/or
  l. collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs a through k above;
  m. use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein without our prior expressed written permission;
  n. take any action that imposes an unreasonable or disproportionately large load on our infrastructure.
 
You agree to comply with all national rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from Canada or the country in which you reside,

You acknowledge that ePlap® may or may not pre-screen Content, but that ePlap® and its designees shall have the right (but not the obligation) in their sole discretion to pre-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, ePlap® and its designees shall have the right to remove any Content that violates the TOU or is otherwise objectionable.

You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and that use of these materials is subject to usage rules set by ePlap® and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service. Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

Much of the information on our site is proprietary or is licensed to ePlap® by our users or third parties. You agree that you will not copy, reproduce, alter, modify, create derivative works, publicly display or frame any content (except for Your Information) from our web site without the prior expressed written permission of ePlap® or the appropriate third party. If you use, or attempt to use the Service for purposes other than sending and receiving payments and managing your account, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.
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Content Submitted or Made Available for Inclusion on the Service
  ePlap® does not claim ownership of Content you submit or make available for inclusion on the Service. However, you grant ePlap® the following worldwide, royalty-free and non-exclusive license(s), as applicable:

With respect to Content you submit or make available for inclusion in the Public portion of your Profile(s) on eplap.com®, the license to use, distribute, reproduce, modify, adapt, and publicly display such Content on the Service solely for the purposes of promoting the specific Profile to which such Content was submitted or made available. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or ePlap® removes such Content from the Service.

With respect to Content you submit or make available for inclusion in the “Private” or “Privileged” portions of your Profile(s) on eplap.com, the license to use, distribute, reproduce, modify, adapt, and publicly display such Content on the Service solely for the purpose for which such Content was submitted or made available and only to the user(s) that you authorize by attempting or accepting a booking. This license exists only for as long as you elect to continue to include such Content on the Service and will terminate at the time you remove or ePlap® removes such Content from the Service.

The “Private” and “Privileged” portions of your profile are marked or labeled as “Private” and/or “Privileged”, while the "Public” portions of your Profile(s) are any other area of your Profile(s).
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Indemnity
  You agree to indemnify and hold ePlap® and its parent, subsidiaries, affiliates, officers, directors, agents, partners and licensors and employees harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or otherwise make available through the Service, your use of the Service, your connection to the Service, your violation of the Terms of Use, or your violation of any rights of another.
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General Practices Regarding Use and Storage
  You acknowledge that ePlap® may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that communications, inactive Profiles, or other uploaded Content will be retained by the Service, the maximum number of communications that may be sent from or received by a user on the Service, the maximum size of any communication that may be sent from or received by a user on the Service, the maximum disk space that will be allotted on eplap.com’s servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that ePlap® has no responsibility or liability for the deletion or failure to store any communications or other Content maintained or transmitted by the Service. You acknowledge that ePlap® reserves the right to log off users that are inactive for an extended period of time. You further acknowledge that ePlap® reserves the right to modify these general practices and limits from time to time.
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Modifications to Service
  ePlap® reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service, or any part thereof, with or without notice. You agree that ePlap® shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.
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Termination
  You agree that ePlap® may, without prior notice, terminate your ePlap® account, any associated Profile(s), and access to the Service.

You may terminate your account at any time by clicking the Close Account link in your Profile on the ePlap® website. Upon closure of an account, any pending transactions will be cancelled. Any funds that we are holding in custody for you at the time of closure, less any applicable fees, will be paid to, assuming all withdrawal related authentication requirements have been fulfilled (for example, you may not use closure of your account as a means of evading withdrawal limits on new Unverified users). You will remain liable for all obligations related to your account even after such account is closed.
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Dealings with Service Providers
  Your correspondence or business dealings with, or participation in promotions of, Service Providers found on or through the Service, including payment and delivery of related services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such Service Provider. You agree that ePlap® shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such service providers on the Service.
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Links
  The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because ePlap® has no control over such sites and resources, you acknowledge and agree that ePlap® is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products or other materials on or available from such sites or resources. You further acknowledge and agree that ePlap® shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.
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Proprietary Rights
  You acknowledge and agree that the Service and any necessary software used in connection with the Service (Software) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by eplap.com, you agree not to modify, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Software, in whole or in part.

ePlap® grants you a personal, non-transferable and non-exclusive right and license to use its Software, provided that you do not (and do not allow any third party to) copy, modify, create a derivative work from, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, nor to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by ePlap® for use in accessing the Service.
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Disclaimer of Warranties
  You expressly understand and agree that:
 
  a. Your use of the Service is at your sole risk. The service is provided on an "AS-IS" and "AS AVAILABLE" basis. ePlap® and its subsidiaries, affiliates, officers, employees, agents, partners and licensors expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.
  b. ePlap® and its subsidiaries, affiliates, officers, employees, agents, partners and licensors make no warranty that
  i) the service will meet your requirements;
  ii) the service will be uninterrupted, timely, secure or error-free;
  iii) the results that may be obtained from the use of the service will be accurate or reliable;
  iv) the quality of any products, services, information or other material purchased or obtained by you through the service will meet your expectations; and
  v) any errors in the software will be corrected.
  c. Any material downloaded or otherwise obtained through the use of the service is accessed at your own discretion and risk, and you will be solely responsible for any damage to your computer system or loss of data that results from the download of any such material.
  d. no advice or information, whether oral or written, obtained by you from ePlap® or through or from the Service shall create any warranty not expressly stated in the Terms of Use.
 
You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by ePlap™ or submitted to ePlap™ in any part of the Service.

Plap™ does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent, incorrect, or objectionable. Under no circumstances will ePlap™ be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations of sections 18 and 19 may not apply to you. If you are in such a jurisdiction, you are not may not use the ePlap service.
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No Third-Party Beneficiaries
  You agree that, except as otherwise expressly provided in this Terms of Use, there shall be no third-party beneficiaries to this agreement.
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Trademark Information
  The word “ePlap®”, ePlap® logo, and other ePlap® logos and product and service names are trademarks of ePlap Corporation. Without eplap.com's prior permission, you agree not to display or use in any manner the ePlap® marks.
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Notice and Procedure for Making Claims of Copyright or Intellectual Property Infringement
  ePlap® respects the intellectual property of others, and we ask our users to do the same. ePlap® may, in appropriate circumstances and at its discretion, disable and/or terminate the Profiles of users who may be repeat infringers. If you believe that your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have been otherwise violated, please provide ePlap® the following information:
 
  1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. a description of the copyrighted work or other intellectual property that you claim has been infringed;
  3. a description or url of where the material that you claim is infringing is located on eplap.com
  4. your address, telephone number, and email address;
  5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  6. a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.
 
It protects us from someone who uses copyrighted items and generates revenue (ie: dumb examples come to mind, but people who offer to sell bootlegged videos, etc.
It shows that we’re demonstrating due diligence if Universal Pictures ever came to us and said we were supporting the process of bootlegging, and positions us to be able to act/shut down profiles which are in violation of copyright rules.
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Violations
  Please report any violations of the Terms of Use by clicking the appropriate link from the service profile pages or contacting ePlap®
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Interest Waiver
  You agree that you will not receive interest or other earnings on the funds that ePlap® handles as your agent. In consideration for your use of the ePlap® service, you irrevocably transfer and assign to ePlap® any ownership right that you may have in any interest that may accrue on your funds.
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Transferring Funds as an Agent
  By initiating and sending payments through the Service, you appoint ePlap® as your agent to obtain the funds on your behalf and to transfer the funds to the recipient that you designate, subject to the terms and restrictions of this Agreement. When you send a payment, until that payment is accepted by the recipient, you remain the owner of those funds and ePlap® holds those funds as your agent, but you will not be able to withdraw those funds or send the funds to any other recipient unless the initial transaction is cancelled.

If you transfer payments to the ePlap MasterCard, your rights, obligations, and liabilities with respect to such transactions will be governed by the card's General Terms and Conditions .
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Fees
  All fees are set forth in the Fee Schedule. All fees will be assessed in the currency of the payment. Your account and all transactions are made and displayed in the currency of payment unless otherwise specified and may be subject to exchange rates.
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Payments to Service Providers
  Booking proceeds earned through eplap.com are paid to the Service Provider's ePlap® Account as follows3:

Booking Duration Payout Terms
Less than 30 days All Booking Proceeds paid 48 hours after the Booking End Date
30 - 90 days Every 7 days, where days are calculated by dividing the Booking Proceeds by the total number of days in the Booking, paid 48 hours after every weekly anniversary day of the Booking Start Date, beginning 7 days plus 48 hours after the Booking Start Date, with final payment 48 hours after the Booking End Date
More than 90 days

Monthly, where the monthly payment is calculated by dividing the total Booking amount by the total number of months in the Booking.

Payments begin 48 hours after the booking start date, continuing in the same way 48 hours after each monthly anniversary day of the booking start date. Payments end once all proceeds have been paid out or 48 hours after the Booking End Date, whichever occurs first.

3Exception: Payout will not occur while a Credit Request or Dispute is pending.
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Credit Card Payments and Charge Backs
  By accepting a credit card payment, you agree that you are responsible for the payment if it is reversed. If such reversal occurs on a credit card funded payment made to your account, we will reverse the payment and debit your ePlap® account balance to pay for the reversal. If there are insufficient funds in your ePlap® balance, you agree to reimburse ePlap® through other means.
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Remedies and Our Right to Collect from You
  Without limiting other remedies, we may update inaccurate or incorrect information you provide to us, contact you by means other than electronically, immediately warn our community of your actions, place a hold on funds in your ePlap accounts, limit access to your account and any or all of the account's functions, including but not limited to the ability to make payments or withdrawals from your accounts, indefinitely suspend or close your account and refuse to provide our Services to you if: (a) you breach this Agreement or the documents it incorporates by reference; (b) we are unable to verify or authenticate any information you provide to us; (c) we believe that your account or activities pose a significant credit or fraud risk to us; (d) we believe that your actions may cause financial loss or legal liability for you, our users or us; or (e) your use of your ePlap® account is deemed by eplap.com, Visa®, MasterCard® or American Express® to constitute abuse of the credit card system or a violation of credit card rules, including (without limitation), using the ePlap® system to test credit card behaviors.
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Electronic Communications Constituting a Signed Agreement
  You agree that this Agreement constitutes "a writing signed by You" under any applicable law or regulation. To the fullest extent permitted by applicable law, this Agreement and any other agreements, notices or other communications regarding your account and/or your use of the Service ("Communications"), may be provided to you electronically and you agree to receive all Communications from ePlap® in electronic form. Electronic Communications may be posted on the pages within the ePlap® website and/or delivered to your e-mail address. You may print a copy of any Communications and retain it for your records. All Communications in either electronic or paper format will be considered to be in "writing," and to have been received no later than five (5) business days after posting or dissemination, whether or not you have received or retrieved the Communication. ePlap® reserves the right but assumes no obligation to provide communications in paper format.
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Legal Process
  Except as explicitly stated otherwise, any notices shall be given by postal mail to ePlap™ Corporation, Attn: Legal Department, 400-201 Notre-Dame Street West, Montreal, QC H2Y 1T4 (in the case of eplap.com) or to our online message center or the email address you provide to ePlap® during the registration process (in your case).

Notice shall be deemed given 24 hours after posted or email is sent, unless the sending party is aware that the electronic communication was not received.

Alternatively, we may give you notice by mail to the address provided to ePlap® during the registration process. In such case, notice shall be deemed given 3 days after the date of mailing.
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Credits and Refunds
  The terms Credit and Refund are used interchangeably and both refer to an amount that is returned to the Booker, up to the full Booking amount. A Credit Request may be initiated by a Booker or Service Provider, after the Booking Start Date and up to 48 hours after the Booking End Date. Once a Credit Request is initiated by one party, it is pending until the Credit Request or a Reply to the Credit Request is accepted by one of the parties, with the following exceptions:
 
  a. A Credit Request or Reply to a Credit Request waiting for a response from the Booker will automatically be accepted on behalf of the Booker 48 hours after the later of the Booking End Date, the Credit Request date, or the date of the last Reply to the Credit Request.
  b. A Credit Request or Reply to a Credit Request waiting for a response from the Service Provider 48 hours after the later of the Booking End Date, the Credit Request date, or the date of the last Reply to the Credit Request will offer the Booker the option to escalate the Credit Request to a Dispute (See Disputes).
  c. Upon receipt of a Credit Request or a Reply to a Credit Request, the Booker or Service Provider may elect to Dispute the Credit Request (See Dispute Resolution).
 
Once a Credit Request or a Reply to a Credit Request is accepted, the amount of the accepted Credit is automatically credited back to the Booker and deducted from the Booking Proceeds. The Service Provider is positively Scored in the amount of the accepted Credit.
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Disputes
  A Dispute begins with a Credit Request (see above). The eplap.com service relies heavily on the self-governance of Bookers and Service Providers. However, in times when one party feels that the other is being unreasonable, we are here to help. Once a Credit Request is submitted, it may be escalated to a Dispute.

Escalating a Credit Request to a Dispute automatically credits the last amount that the Service Provider agreed to Credit the Booker to the Booker’s ePlap® Account. The remaining amount that is requested by the Booker becomes the Disputed amount and, for the next 48 hours, the Dispute is identical to the Credit Request. After 48 hours, you have two options:
 
  1. You can choose to have ePlap arbitrate your dispute. A member of the ePlap support team will review the dispute and disburse and/or refund the Disputed Amount. You may be asked for additional information at this time. If you chose ePlap to arbitrate your dispute you must respect the decision we reach and all decisions are final.
  2. You can seek your own remedy at law. You are responsible for all costs you may incur and ePlap® will not involve itself in any way during this process.
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General Information
  The Terms of Use constitutes the entire agreement between you and ePlap® and governs your use of the Service, superseding any prior agreements between you and ePlap® with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other ePlap® services, affiliate services, third-party content, or third-party software.

Governing Law and Disputes. You agree that the laws of the Province of Ontario, and the laws of Canada applicable therein, without regard to conflicts of law provisions, will apply to all matters arising out of or in connection with the Service. You also agree to submit to the exclusive personal jurisdiction and venue of the courts of the Province of Ontario with respect to such matters.

Waiver and Severability of Terms. The failure of ePlap® to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision. If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use remain in full force and effect.

No Right of Survivorship and Non-Transferability. You agree that your ePlap® Profile is non-transferable and any rights to your ePlap® Profile(s) or contents within terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Use must be filed within six (6) months after such claim or cause of action arose or be forever barred.

The section titles in the Terms of Use are for convenience only and have no legal or contractual effect.
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