Terms

INTRODUCTION

Please take the time to read our User Agreement below. The User Agreement addresses various rights and responsibilities of those who use the services offered by Completed.com.

USER AGREEMENT

Last Updated April 3, 2017

To use Completed.com, you must be at least 18 years old.

This User Agreement (the "Agreement") outlines the terms and conditions of the relationship among Completed.com, Completed, LLC, a California limited liability company (hereinafter referred to as "Completed.com", "Completed", the "Company", "we", "us," or "our") and you ("you", "your", the " and User"). Completed.com provides online privacy, Brand Profile, and related services (the "Services") for the User. These terms and conditions govern your use of the Services, and by using the Services in any way and at any time, you agree to all of the terms and conditions listed herein, and you may not use Completed.com in any way if you choose to not abide by any of the terms and conditions listed herein. These terms and conditions constitute the entire agreement between you and Completed.com with respect to the subject matter of these terms and conditions, and supersede and replace any prior version of the terms and conditions. These terms and conditions create no third party beneficiary rights.

The Services we provide are generally described on the various pages of our website, which can be accessed at http://www.completed.com/. We may change the description or content of our Services and/or the user agreement at any time.

Completed.com does not guarantee or warrant that we will find or communicate to you every example or all examples of content about the User.

If you do not agree to the User Agreement, including our Privacy Policy (incorporated into this Agreement by this reference) without limitation or qualification, you are not permitted to use Completed.com. To review, click on Privacy Policy at the bottom of our website.

Persons who are under 18 years old may not register for Completed.com. By registering with Completed.com, you represent and warrant that you are at least 18 years old, and no User may create a profile for a person that is under 18 years old.

Completed.com reserves the right to immediately suspend or terminate your registration with Completed.com, without notice, upon any breach of this Agreement by you which is brought to Completed.com's attention or for any other reason.

Your registration with Completed.com is for your sole, personal use. You may not authorize others to use your user identification and password, and you may not assign or otherwise transfer your account to any other person or entity.

SERVICES RENDERED

You are solely responsible for all content or information you publish or display (hereinafter, "post") on Completed.com and agree to, understand, and will abide by, all of the following:

By posting information on Completed.com, you warrant and represent that the information is truthful and accurate.

You will NOT post more than one Review regarding the same person/business that relates to the same issue. Any new or additional information that you have shall be filed as a Response to your initial review.

You will NOT post any defamatory or illegal material or any material that infringes or violates another party's intellectual property rights.

You will NOT post on Completed.com with the sole intention to harass or bully any particular individual, including, but not limited to content that may be perceived as cyber-harassment, cyberstalking, cyberbullying or an unclassified form of a "revenge porn."

You will use Completed.com in a manner consistent with any and all applicable laws and regulations.

You will NOT post, distribute or reproduce in any way any copyrighted material, trademarks, or other proprietary information without obtaining prior written consent of the owner of such proprietary rights except as otherwise permitted by law.

You will NOT take any action or assist, encourage, induce, or request that anyone else take any action which may impair or negatively affect the visibility or ranking of Completed.com pages in search engines such as Google, Bing, Yahoo! or the like.

You will NOT insert or cause to be inserted any HTML, JavaScript, PERL, or any other form of computer code into any Completed.com user account data field or into any webpage on Completed.com.

You will NOT upload, or cause to be uploaded, viruses or other similar malicious code.

You will NOT do, or aid anyone else in doing, anything that could be disable, overburden, or impair the proper working of Completed.com, such as a denial of service (DDOS) attack.

While we do not and cannot conduct an in-depth detailed review of every message posted by users of Completed.com, and are not responsible for any content of these messages. We reserve the right, but are not obligated to delete or remove any content (up to and including the name of the person you have reviewed) in any Completed.com review that contains information that may be perceived by Completed.com as any of the following:

Profanity (i.e. strong or vulgar language or content);
Obscenities;
Hate speech or the like;
Obvious instances of pure harassment or bullying;
Threats of physical violence or damage to property;
Images or information relating to minor children (e.g., pictures that contain images of minor children should be modified to exclude the child/children prior to uploading to the website);

Private personal information including, but not limited to:
national identification numbers (e.g. U.S. Social Security Number);
credit card numbers or related information;
bank account numbers;
account passwords;
images of child/obscene pornography;
Unsubstantiated allegations of serious criminal acts (Reports with such content may be flagged for additional review/information, without notice, and be the cause of delay in posting or the posting being rejected altogether); business information that is not related to personal information advertisements

We reserve the right, at our sole discretion, and without notice, to reject entire messages submit by users of the service for failure to conform to any of the User Agreement stated herein. Similarly, we reserve the right, at our sole discretion, to update Completed.com Reviews with Administrative Notes/Comments by Completed.com that explain to Completed users why certain action was taken, to inform viewers of our policies, and/or provide our opinion about a situation, etc. Placement/location of such Completed Corporate Notes is at our sole discretion.

If the Services rendered for you require that we collect information from you, then you agree to provide the information required by us, and understand that the better the information you provide the better results you'll see. You authorize us to use your information to create content on your behalf that Completed.com will disseminate online. You authorize us to use the information you provide to create and publish web content. You grant us the right to publish any or all of the content you provide on any websites we deem fit for the purposes of the Services rendered. You authorize us to modify any content as we see fit to provide our services. You agree to comply with Google's policies and Guidelines regarding link building. You warrant that you have the right to distribute the content you provide us, and to indemnify us against any damages arising from the use of the content you provide, whether due to copyright infringement or other reason. You authorize us to act on your behalf in creating accounts on other sites in your name. In addition to the general release, below, you specifically release and hold us harmless for all damages caused as a result of the Services rendered by us, including, but not limited to, any damages resulting from publication of the content you provide us, disclosure of your relationship with Completed.com, or any other cause.

In connection with the Services, Completed.com may collect additional information about you (for example, known usernames/screennames, addresses, etc). You represent and warrant that all information you provide in connection with Completed.com Services is correct and accurate to the best of your knowledge. The ability of Completed.com to locate Internet content concerning the User is limited by the quality of information provided. You agree to release and hold harmless Completed.com from any loss or damage caused to you resulting from inaccurate or false representations of information. Further, you agree to indemnify Completed.com against any loss or damage caused to Completed.com resulting from fraudulent or malicious representations of information made to Completed.com.

POSSESSION AND OWNERSHIP OF CONTENT

In fulfilling its services for Users, Completed.com may create online/internet web-based content. Any and all online material/content created or back-linked to by Completed.com, shall be deemed and hereinafter referred to as the "assets." The assets that Completed.com creates shall remain the possession of Completed.com. The User's Completed.com profile is a license to the User, and Completed.com reserves the right to delete the account without notice for the User's violation of Completed.com Policy. Completed.com also has the authority to remove broken or dead links from users' profiles.

USER GENERATED CONTENT

Opinions, advice, statements, offers, or other information or content made available through Completed.com are those of their respective authors and not of Completed LLC, and should not necessarily be relied upon. Such authors are solely responsible for the accuracy of such content.

Completed LLC does not guarantee the accuracy, completeness, or usefulness of any information on Completed.com and neither adopts nor endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made. Under no circumstances will Completed.com be responsible for any loss or damage resulting from anyone's reliance on information or other content posted on Completed.com.

INDEMNITY

You will defend, indemnify, and hold harmless Completed.com, its officers, directors, employees, affiliates, owners, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of Completed.com, including, but not limited to, any breach by you of the Terms of this Agreement.

REMOVEAL OF A COMPLETED.COM PROFILE OR CONTENT

Completed.com Profiles are a permanent record of an individual. Any disputes, including disputes that have been fully resolved, will not be removed from our database. In order to maintain a complete record, information posted on Completed.com, subject to the USER AGREEMENT outlined herein, will not be removed. By posting information on Completed.com, you understand and agree that the material you post will become part of Completed.com's permanent record and will NOT be removed even at your request.

NON-TRANSFERABLE RIGHTS

By posting information or content to any public area of Completed.com, you automatically assign copyrights in the content to Completed.com.

DISCLOSURE OF USER GENERATED INFORMATION

Completed.com may use your information in any way and at any time it deems fit. In its sole discretion, Completed.com may also disclose your identity to any federal, state, or local law enforcement agency (including federal and state attorneys general) for the purpose of allowing such agencies to contact potential victims of consumer fraud and/or investigate other unlawful acts. You further agree to release and hold Completed.com harmless from any claims that Completed.com disclosed your identity or related to any effects resulting therefrom.

DISCLAIMER OF WARRANTY

Completed.com is a user-generated content form and is provided on a "as is" basis and grants no warranties of any kind, express, implied, statutory, in connection with Completed.com or in connection with any communication with Completed.com or its representatives, or otherwise with respect to Completed.com. Completed.com specifically disclaims any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Completed.com does not warrant that Completed.com connection to the internet will be secure, uninterrupted, always available, or error-free, or will meet your requirements, or that any defects in Completed.com will be corrected.

LIMITATION OF LIABILITY

In no event will Completed.com be liable: (i) to you for any incidental, consequential, or indirect damages arising out of the use of or inability to use Completed.com, even if Completed.com or its agents or representatives know or have been advised of the possibility of such damages or: (ii) to any person other than you. In addition, Completed.com disclaims all liability, regardless of the form of action, for the acts or omissions of other members or users (including, but not limited to, unauthorized users, or "hackers") of Completed.com.

JURISDICTION VARIABILITY

Certain jurisdictions limit the applicability of warranty disclaimers and limitations of liability so the above disclaimers of warranty and limitations of liability may not apply to you if you live in New Jersey or other States where that is the case.

GENERAL PROVISIONS

You agree that the Commonwealth of California Law (regardless of conflicts of legal principles) shall govern this Agreement, that any dispute arising out of or relating to this Agreement shall be subject to the exclusive venue of the federal and state courts in the State of California, subject further to the waiver of jury trial provision below, and that you submit to the exclusive jurisdiction of the federal and state courts in the State of California, subject further to the waiver of jury trial provision below, in connection with Completed.com and this Agreement. The failure of Completed.com to exercise or enforce any right or provision of the USER AGREEMENT shall not constitute a waiver of such right or provision. The failure of Completed.com or you to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. This Agreement, accepted upon registering for Completed.com, contains the entire agreement between you and Completed.com regarding the use of Completed.com. Unless otherwise explicitly stated, the Terms will survive termination of your registration with Completed.com. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect.

Furthermore, by using Completed.com, you agree to release, remise, acquit and forever discharge Completed.com and Completed.com's employees, owners, affiliates, agents, representatives, consultants, attorneys, fiduciaries, servants, officers, directors, partners, predecessors, successors and assigns, subsidiary corporations, parent corporation, and related corporate divisions (all of the foregoing hereinafter called the "Released Parties"), from any and all action and causes of action, judgments, executions, suits, debts, claims, demands, liabilities, obligations, damages and expenses of any and every character, known or unknown, direct and/or indirect, at law or in equity, of whatsoever kind or nature, whether heretofore or hereafter arising, for or because of any matter or things done, omitted or suffered to be done by any of the Released Parties prior to and including the date of use of this site, and in any way directly or indirectly arising out of or in any way connected to Completed.com (all of the foregoing hereinafter called the "Released Matters"). You acknowledge that the agreements in this paragraph are intended to be in full satisfaction of all or any alleged injuries or damages arising in connection with the Released Matters.

WAIVER OF JURY TRIAL.

YOU HEREBY WAIVE ALL RIGHTS TO TRIAL BY JURY IN ANY ACTION OR PROCEEDING WHICH PERTAINS DIRECTLY OR INDIRECTLY TO COMPLETED.COM, ANY ALLEGED TORTIOUS CONDUCT BY COMPLETED.COM OR ANY OTHER USER OR WHICH, IN ANY WAY, DIRECTLY OR INDIRECTLY, ARISES OUT OF OR RELATES TO THE RELATIONSHIP BETWEEN YOU AND COMPLETED.COM OR ANY OTHER USER. IN NO EVENT SHALL COMPLETED.COM BE LIABLE FOR LOST PROFITS OR OTHER SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES.

WITHOUT INTENDING IN ANY WAY TO LIMIT THE PARTIES' AGREEMENT TO WAIVE THEIR RIGHTS TO A TRIAL BY JURY, if an action or other proceeding is brought in the State of California and if the above waiver of the right to a trial by jury is not enforceable, the parties agree that any and all disputes or controversies of any nature between them concerning this agreement or Completed.com and the matters contemplated hereby, including any and all questions of law or fact relating thereto, shall be determined by judicial reference pursuant to the California Code of Civil Procedure. The parties shall select a single neutral referee, who shall be a retired state or federal judge. In the event that the parties cannot agree upon a referee, the referee shall be appointed by the court. The referee shall report a statement of decision to the court. Nothing in this paragraph shall limit the right of any of the parties at any time to exercise any self-help remedies or obtain provisional remedies. The User shall bear the fees and expenses of the referee. The referee shall also determine all issues relating to the applicability, interpretation, and enforceability of this policy.

ANTI-SLAPP

As Completed, LLC is a California limited liability company, and Completed.com's user agreement and terms of service are governed by California law, California's Anti-SLAPP law (Code of Civil Procedure - Section 425.16) is effective to protect Completed.com against any and all lawsuits related to defamation, interference with contract or economic advantage, infliction of emotional distress, conspiracy or other claims. It allows Completed.com, if sued, to file suit to collect attorney's fees for its own attorneys and have the claimant's attorney fees paid by their client as well as have any such claim immediately dismissed with prejudice. Completed.com's legal team has extensive experience with anti-slapp suits, and it is the policy of Completed.com to file suit in each and every case that it is sued or threats or allegations are made against Completed.com in any form for any reason related to the Services or the site. It would behoove the User to be aware of this California law and Completed.com's policy of filing a suit in each and every case that it is threatened with a claim so that he or she may avoid paying for their own attorney's fees and the fees of the attorneys of Completed.com as well as having any such claim dismissed immediately with prejudice.

MODIFICATION OF USER AGREEMENT

Completed.com reserves the right to change or modify any of the terms and conditions contained in this Agreement or any policy governing the Services provided to User, at any time, by posting the new agreement to the site located at http://www.Completed.com (or such other URL as Completed.com may provide). You are responsible for regularly reviewing the Agreement and related documents. No amendment to or modification of this Agreement will be binding unless in writing and signed by a duly authorized representative of Completed.com or posted to the Completed.com website by a duly authorized representative of Completed.com.

COPYRIGHT POLICY/TERMINATION OF USER PRIVILIGES FOR INFRINGEMENT AND CONTACT INFORMATION FOR SUSPECTED COPYWRIGHT INFRINGEMENT/DMCA NOCIES

We comply with the safe harbor provisions of the Digital Millennium Copyright Act, 17 U.S.C. § 512 (the "DMCA") and we will terminate the privileges of any user who uses Completed.com to unlawfully transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. In particular, users who submit user content to Completed.com, whether articles, images, stories, software or other copyrightable material must ensure that the content they upload does not infringe the copyrights of third parties.

If you believe that your copyright has been infringed through the use of Completed.com, please submit a notice that complies with 17 U.S. C. § 512(c)(3) to [email protected]

You may also provide a courtesy copy to our Legal Department by e-mailing the Legal Department at [email protected] However, the registered DMCA agent above must receive the notification in order for the notice to be valid.

At a minimum, any DMCA removal request is required to include at least the following things:

(1) Your name, address, telephone number, and e-mail address;

(2) A description of the copyrighted work that you claim has been infringed;

(3) The exact URL or web address where the alleged infringing material is located.

(4) A statement by you that you have a good faith belief that the disputed use has not been authorized by you, your agent, or the law;

(5) Your electronic or physical signature or the electronic or physical signature of the person authorized to act on your behalf; and

(6) A statement by you made under penalty of perjury, that the information in your notice is accurate, that you are the copyright owner or authorized to act on the copyright owner's behalf.

NOTE: If you submit a removal request and you are NOT the copyright owner, or if you make any false statement in your demand (including a statement that our use of images is infringing when the use is clearly fair), you should be aware that the law imposes substantial liability for any damages and any attorney's fees incurred as a result; 17 U.S.C. §512(f).

LIMITATIONS ON USE OF SERVICES

Completed.com does not allow its service to be used for illegal activities, nor activities that Completed.com deems improper for any reason whatsoever in its sole judgment. Completed.com reserves the right to take preventative or corrective actions to protect itself and its users, subscribers, and users. We reserve the right to refuse service to anyone, or to refuse to perform any type of service, at any time. Malicious or fraudulent use of the Services is absolutely forbidden.

Completed.com may notify the User at any time that User's use of Completed.com's service violates Completed.com's judgment as to what constitutes an acceptable use of the services. Upon Completed.com's discovery that User's use of the service violates Completed.com's opinion as to what constitutes an acceptable use of the Services, Completed.com will notify User of the use which violates Completed.com's judgment and reserves the right to cancel any existing agreement for services with the User, and shall bear no responsibility to return to User any fees paid to Completed.com thereunder.

Users of Completed.com must truthfully and accurately represent their identities in subscribing and using the Company's Services. You represent and warrant that you are truthfully representing your identity, and agree to release and hold harmless Completed.com for any loss or damage to you resulting from a false or inaccurate representation of identity. Further, you agree to indemnify Completed.com against any loss or damage caused to Completed.com resulting from fraudulent or malicious representations of identity made to Completed.com.

YOU AGREE THAT YOU WILL NOT DO ANY OF THE FOLLOWING:

Act dishonestly or unprofessionally, including by posting inappropriate, inaccurate, or objectionable content;

Add content that is not intended for, or inaccurate for, a designated field (e.g. submitting a telephone number in the "title" or any other field, or including telephone numbers, email addresses, street addresses or any personally identifiable information for which there is not a field provided by Completed.com);

Use an image that is not your likeness or a head-shot photo for your profile;

Create a false identity on Completed.com;

Misrepresent your current or previous positions and qualifications;

Misrepresent your affiliations with a person or entity, past or present;

Misrepresent your identity, including but not limited to the use of a pseudonym;

Use or attempt to use another's account;

Harass, abuse or harm another person;

Send spam or other unwelcomed communications to others;

Scrape or copy profiles and information of others through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);

Act in an unlawful, libelous, abusive, obscene, discriminatory or otherwise objectionable manner;

Disclose information that you do not have the right to disclose (such as confidential information of others (including your employer));

Violate intellectual property rights of others, including patents, trademarks, trade secrets, copyrights or other proprietary rights;

Violate the intellectual property or other rights of Completed.com, including, without limitation, using the word "Completed" or our logos in any business name, email, or URL;

Post any unsolicited or unauthorized advertising, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation unauthorized by Completed;

Send messages to distribution lists, newsgroup aliases, or group aliases;

Post anything that contains software viruses, worms, or any other harmful code;

Manipulate identifiers in order to disguise the origin of any message or post transmitted through the Services;

Create profiles or provide content that promotes escort services or prostitution.

Creating or operate a pyramid scheme, fraud or other similar practice;

Copy or use the information, content or data of others available on the Services (except as expressly authorized);

Copy or use the information, content or data on Completed.com in connection with a competitive service (as determined by Completed.com);

Copy, modify or create derivative works of Completed.com, the Services or any related technology (except as expressly authorized by Completed.com);

Reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for the Services or any related technology, or any part thereof;

Imply or state that you are affiliated with or endorsed by Completed.com without our express consent (e.g., representing yourself as an accredited Completed.com affiliate);

Rent, lease, loan, trade, sell/re-sell access to the Services or related any information or data;

Sell, sponsor, or otherwise monetize a Completed.com Group or any other feature of the Services, without Completed.com's consent;

Deep-link to our Services for any purpose other than to promote your profile or a Group on Completed.com, without Completed.com's consent;

Remove any copyright, trademark or other proprietary rights notices contained in or on our Service;

Remove, cover or obscure any advertisement included on the Services;

Collect, use, copy, or transfer any information obtained from Completed.com without the consent of Completed.com;

Share or disclose information of others without their express consent;

Use manual or automated software, devices, scripts robots, other means or processes to access, "scrape," "crawl" or "spider" the Services, Completed.com, or any related data or information;

Use bots or other automated methods to access the Services, Completed.com, add or download contacts, send or redirect messages;

Monitor the Services' availability, performance or functionality for any competitive purpose;

Engage in "framing," "mirroring," or otherwise simulating the appearance or function of the Services;

Access the Services except through the interfaces expressly provided by Completed.com, such as its mobile applications and Completed.com;

Override any security feature of the Services; and

Interfere with the operation of, or place an unreasonable load on, the Services (e.g., spam, denial of service attack, viruses, gaming algorithms).

INDEMNITY AND LIMITATION OF LIABILITY

You agree that you will Indemnify and hold harmless Completed.com and its members, officers, directors, and employees, from all claims arising out of or related to your access or use of, or your inability to access or use, Completed.com's services, this Web site, or the information contained in this Web site or other web sites to which it is linked.

You agree to indemnify, hold harmless and defend Completed.com and its wholly owned subsidiaries, at your expense, any and all third-party claims, actions, proceedings, and suits brought against Completed.com or any of its members, officers, directors, employees, agents or affiliates, and all related liabilities, damages, settlements, penalties, fines, costs or expenses (including, without limitation, reasonable attorneys' fees and other litigation expenses) incurred by Completed.com or any of its members, officers, directors, employees, agents or affiliates, arising out of or relating to (i) your breach of any term or condition of this Agreement, (ii) your fraudulent or malicious use of the Services, (iii) your violation of applicable laws, rules or regulations in connection with the Services. In such a case, Completed.com will provide you with written or electronic notice of such claim, suit or action. You shall cooperate as fully as reasonably required in the defense of any claim. Completed.com reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by You.

DISCLAIMER OF WARRANTY

THE SERVICE, THE SOFTWARE, THE REPORTS, AND ANY AND ALL RELATED AND ANCILLARY SERVICES ARE PROVIDED "AS IS" AND THERE ARE NO WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY COMPLETED.COM AND AFFILIATES, EITHER EXPRESS, IMPLIED, OR STATUTORY, WITH RESPECT TO THE SERVICES AND REPORTS, INCLUDING WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE. COMPLETED.COM DOES NOT WARRANT THAT THE SERVICES OR REPORTS WILL MEET YOUR NEEDS OR BE FREE FROM ERRORS, OR THAT THE OPERATION OF THE SERVICE WILL BE UNINTERRUPTED. THE FOREGOING EXCLUSIONS AND DISCLAIMERS ARE AN ESSENTIAL PART OF THIS AGREEMENT AND FORMED THE BASIS FOR DETERMINING THE PRICE CHARGED FOR THE SERVICE. SOME STATES DO NOT ALLOW EXCLUSION OF AN IMPLIED WARRANTY, SO THIS DISCLAIMER MAY NOT APPLY TO YOU.

COMPLETED.COM WILL NOT BE LIABLE TO USER OR ANY THIRD-PARTY CLAIMANT FOR ANY INDIRECT, SPECIAL, PUNITIVE, CONSEQUENTIAL (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR LOST DATA COLLECTED THROUGH THE SERVICE), OR INCIDENTAL DAMAGES, WHETHER BASED ON A CLAIM OR ACTION OF CONTRACT, WARRANTY, NEGLIGENCE, STRICT LIABILITY, OR OTHER TORT, BREACH OF ANY STATUTORY DUTY, INDEMNITY OR CONTRIBUTION, OR OTHERWISE.

Completed.com does not guarantee the Service will be operable at all times or during any down time (1) caused by outages to any public Internet backbones, networks or servers, (2) caused by any failures of your equipment, systems or local access services, (3) for previously scheduled maintenance or (4) relating to events beyond Completed.com's control such as strikes, riots, insurrection, fires, floods, explosions, war, governmental action, labor conditions, earthquakes, natural disasters, or interruptions in Internet services to an area where Completed.com's servers are located or co-located. Complete accuracy in all aspects of your reports at all times also is not guaranteed.

MODIFICATION OF USER AGREEMENT

Completed.com reserves the right to change or modify any of the terms and conditions contained in this Agreement or any policy governing the Services provided to User, at any time, by posting the new agreement to the site located at http://www.Completed.com (or such other URL as Completed.com may provide). You are responsible for regularly reviewing the Agreement and related documents. No amendment to or modification of this Agreement will be binding unless in writing and signed by a duly authorized representative of Completed.com or posted to the Completed.com website by a duly authorized representative of Completed.com.

MISCELLANEOUS, INTEGRATION, APPLICABLE LAW AND VENUE

Completed.com shall be excused from performance hereunder to the extent that performance is prevented, delayed or obstructed by causes beyond its reasonable control. Among many other factors, our services depend heavily on privacy law in the United States, the various States and Territories, and other jurisdictions. The law can and will change in the future and such changes are outside the control of Completed.com. We cannot predict the impact of future changes in the law. Some legal changes, including but not limited to legislation or judicial interpretation, may render it more difficult or impossible for us to perform the services offered.

This Agreement (including any amendment agreed upon by the parties in writing) represents the complete agreement between us concerning its subject matter, and supersedes all prior agreements and representations between the parties. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed to the extent necessary to make it enforceable to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect.

This Agreement (including any amendment agreed upon by the parties in writing) represents the complete agreement between us concerning its subject matter, and supersedes all prior agreements and representations between the parties. If any provision of this Agreement is held to be unenforceable for any reason, such provision shall be reformed to the extent necessary to make it enforceable to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect.

This Agreement shall be governed by and construed under the laws of the State of California without reference to its conflict of law principles. In the event of any conflicts between foreign law, rules, and regulations, and California law, rules, and regulations, California law, rules and regulations shall prevail and govern. Each party agrees to submit to the exclusive and personal jurisdiction of the State and Federal Courts located within Northern District of California. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act shall not apply to this Agreement.

A waiver of any default or violation is not a waiver of any subsequent default or violation. You may not assign or otherwise transfer any of your rights hereunder without Completed.com's prior written consent, and any such attempt is void.

Thank you for having read our User Agreement. We encourage you to contact us is you have questions about our User Agreement or the services we render.