Terms of Service
Terms of Service for Toolblox
THE WEBSITES DO NOT FACILITATE ANY ASPECT OF BLOCKCHAIN BASED DIGITAL ASSET TRANSACTIONS. THE WEBSITES MERELY PROVIDE ACCESS TO THE TOOLS FOR USERS TO VIEW AND LOCALLY INTERACT WITH CODE THAT MAY BE RELEVANT TO BLOCKCHAIN BASED NETWORKS. THE ACCURACY, COMPLETENESS, OR USEFULNESS OF INFORMATION PRESENTED ON THE WEBSITES IN CONNECTION WITH THE TOOLS AND ANY CODE PROVIDED BY USERS IS NOT GUARANTEED AND WE DISCLAIM ANY LIABIITY WITH RESPECT TO SAME. NEITHER WE NOR OUR SERVICE PROVIDERS HAVE CUSTODY OVER YOUR ASSETS OR ACCESS TO YOUR PRIVATE KEY AND CANNOT INITIATE A TRANSFER OF DIGITAL ASSETS OR OTHERWISE ACCESS YOUR DIGITAL ASSETS.
NEITHER WE NOR OUR SERVICE PROVIDERS ARE BROKERS OR INTERMEDIARIES, AND ARE NOT YOUR AGENT, ADVISOR, OR CUSTODIAN, AND NONE OF THE FOREGOING PARTIES HAVE A FIDUCIARY RELATIONSHIP OR OBLIGATION TO YOU REGARDING ANY OTHER DECISIONS OR ACTIVITIES THAT YOU EFFECT WHEN USING YOUR WALLET TO INTERACT WITH ANY BLOCKCHAIN PROTOCOL. NEITHER WE NOR SERVICE PROVIDERS ARE RESPONSIBLE FOR ANY ACTIVITIES THAT YOU ENGAGE IN WHEN USING THE SERVICES OR ANY OTHER BLOCKCHAIN TECHNOLOGIES, AND YOU HEREBY AGREE THAT YOU UNDERSTAND THE RISKS ASSOCIATED WITH PARTICIPATING IN DECENTRALIZED PROTOCOLS ON NEAR, ETHEREUM, OR OTHER BLOCKCHAINS. FOR THE AVOIDANCE OF DOUBT, WE DO NOT PROVIDE AND ARE NOT RESPONSIBLE FOR THE TOOLS (SAVE FOR WHERE EXPRESSLY INDICATED IN THESE TERMS).
The Websites and Tools are offered and available to users who are eighteen (18) years of age or older. By accessing or using the Websites and Tools, you represent and warrant that you are of legal age to form a binding contract with Company and meet all of the foregoing eligibility requirements. In addition, you further represent that you are not a citizen, resident, or member of any jurisdiction or group that is subject to economic sanctions, or where your use of the Websites or the Tools would be illegal or otherwise violate any applicable law. You further represent that your access and use of the Websites and/or the Tools will fully comply with all applicable laws and regulations, and that you will not access or use the Websites and Tools to conduct, promote, or otherwise facilitate any illegal activity. If you do not meet all of these requirements, you must not access or use the Websites or the Tools. Your use of the Websites and the Tools must be ethical, and conform to high moral standards. You are prohibited from using the Websites and the Tools in a manner that is unethical or immoral, or that might be considered disreputable or offensive.
Accessing the Websites and Tools and Account Security
You acknowledge and agree that the Websites provide access to the Tools that are built on and run on a decentralized basis on various blockchain protocols (including but not limited to the NEAR blockchain and the Ethereum blockchain). You further acknowledge and agree that:
- we have no control over the Tools or any associated smart contract or blockchain protocol; and
- any interaction with the Tools is a locally run instance of that Service by you and not operated by us.
We and our service providers reserve the right to withdraw or amend any element of the Websites or the Tools within our respective controls (or materials provided relating to the Websites and the Tools or which is available from or through them) in our sole discretion without notice. Neither we nor our service providers will be liable if for any reason all or any part of the Websites or the Tools are unavailable at any time or for any period. From time to time, we and our service providers may restrict access to some or all parts of the Websites and/or the Tools, including to registered users. You are responsible for:
- Making all arrangements necessary for you to have access to the Websites and the Tools.
You understand that your content may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.
The Websites provide access to the Tools in the form of a Progressive Web Application (PWA). PWAs are web applications that behave like native applications on your device and are considered locally run applications. By accessing the Tools through our PWA, you are effectively running a local instance of our Service, which operates in an isolated manner from other applications on your device.
While we store metadata necessary to build smart contract workflows and decentralized applications (dApps), the operational data to execute these smart contracts or conduct transactions is not held by us. This operational data is instead stored and managed locally within the PWA on your device. The PWA, designed to run independently and without continuous connection to our servers, does not directly communicate with us or transfer operational data to us. By choosing to use the Tools via our PWA, you agree that we collect and store only the metadata necessary to build smart contract workflows and decentralized applications (dApps). All other operational data necessary for executing these smart contracts or conducting transactions is stored and managed locally within the PWA on your device. As such, we have no control over, nor access to, any data generated, processed, or stored by the PWA on your device, including your digital wallet.
We do not provide direct or indirect management, maintenance, or operation of the Tools running locally on your device, and we are not responsible for any issues arising from your use of the Tools in this manner. The responsibility of ensuring that you maintain control of your digital assets on the Services, including those run locally by you through the PWA and your digital wallet, falls upon you.
By using our PWA, you agree to be solely responsible for all activities that occur under your usage, and you acknowledge and agree that your use of such Tools is at your own risk. It is your responsibility to ensure that your device is capable of running the PWA, and that you have implemented adequate security measures to protect your device and the data generated or processed by the PWA.
Intellectual Property Rights
No right, title, or interest in or to the Websites or any content available on or through the Websites or the Tools is transferred to you, and all rights not expressly granted are reserved by Company, or the applicable third-party owner or licensor.
- In any way that violates any applicable local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the Estonia or other countries).
- For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
- To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter”, “spam”, or any other similar solicitation.
- To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses or user names associated with any of the foregoing).
- To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Services, or which, as determined by us, may harm Company or users of the Services or expose them to liability.
Additionally, you agree not to:
- Use any robot, spider, or other automatic device, process, or means to access the Websites or the Tools for any purpose, including monitoring or copying any of the material on the Websites or the Tools.
- Use any manual process to monitor or copy any of the material on the Websites or the Tools or for any other unauthorized purpose without our prior written consent.
- Use any device, software, or routine that interferes with the proper working of the Websites or the Tools.
- Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.
- Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Websites or the Tools, the server on which the Websites or the Tools are stored.
- Copy, mirror or otherwise attempt to replicate or reproduce the Websites or the Tools, except as permitted pursuant to any license applicable to use of the Websites or Tools.
- Attack the Websites or Tools via a denial-of-service attack or a distributed denial-of-service attack.
- Otherwise attempt to interfere with the proper working of the Websites or the Tools.
- Use the Websites or the Tools in any manner that could disable, overburden, damage, or impair the Websites (or the Services) or interfere with any other party’s use of the Websites or the Tools, including their ability to engage in real time activities through the Websites or the Tools.
Wallet and Sale of Digital Assets
The Services that you access via the Websites and run locally may allow you to create or connect a digital wallet holding digital assets to your account and/or to hold, transfer or otherwise interact with digital assets. You understand that we do not hold your assets and take no custody of them. We have no access to your assets or funds and we do not operate or provide the Tools. It is your responsibility to ensure that you maintain control of your digital assets on the Services, including those run locally by you, and for trading them or selling them to others. Once you purchase or sell a digital asset, the transaction cannot be canceled or recalled. Once a transaction has been recorded in a digital wallet as instructed when the transaction was initiated, it cannot be recalled or retrieved under any circumstances.
We and our service providers are not responsible for the keys to any digital assets or your seed phrase, or their loss or disclosure to others. It is your responsibility at all times to ensure you have such credentials and maintain them securely. Any losses you suffer as a result of loss of control of, disclosure or unauthorized use of your digital keys is your responsibility and you hereby indemnify us and hold us harmless against any claims or losses arising from your loss of the digital keys to your wallet or their use by third parties. PLEASE KEEP YOUR SEED PHRASE AND DIGITAL KEYS SAFE, AS WE AND OUR SERVICE PROVIDERS DO NOT HAVE THEM AND DO NOT KNOW THEM. IF YOU LOSE THE KEYS OR SEED PHRASE, YOU MAY LOSE ACCESS TO YOUR ASSETS.
You also understand that we and our service providers do not act as your financial advisors or give you any investment advice of any kind with respect to what assets you choose to hold in your wallet or any trading thereof. As with any trading activities that you elect to undertake on the Services, including those run locally by you, it is your responsibility and you are solely responsible for the contents of your wallet, your purchase decisions, how and when you trade digital assets and with whom. It is also your responsibility to ensure you understand crypto assets, how they work, what their value is, and about trading and purchasing such assets, as there are significant risks in doing so, all of which you solely assume. The wallet you use on the Services may not connect or allow purchase, storage or trading of all virtual currencies or assets.
Taxes and Fraud
Depending on your location of residence, you may owe taxes on amounts you earn after selling digital assets, including crypto currencies and non-fungible tokens. It is your responsibility to ensure you have accounted for, reported to the proper governmental authority, and paid all such taxes to the applicable governmental authority. We and our service providers do not undertake any obligation to report any such taxes, nor collect or disburse them on your behalf. The taxes you owe are solely your responsibility. You hold us and our service providers harmless and release us from and against any claims, losses, damages or demands arising in connection with taxes you may owe as a result of your use of the Websites and the Tools.
If we believe that you have engaged in or been a participant in any fraudulent transaction, we reserve the right to take any action we think appropriate, including forwarding your information and information about the transactions we believe or suspect to be fraudulent to applicable law enforcement agencies, which may result in civil or criminal penalties or other actions against you.
To the extent you run any Services, including locally, related to digital assets, you acknowledge and agree that digital assets are volatile and risky, and their trading is affected by many factors outside our or your control. You are solely responsible for any transactions, and for all fees that you may incur as a result of your acquisition or sales of digital assets in connection with you running the Services, including locally. The Websites and the Tools do not control the timing of any transaction (or any other feature, property or characteristic of the Services), yet you acknowledge that the time of a transaction can affect the value of the asset or the fees associated with a transaction or both. You hereby hold us and our service providers harmless against any and all claims arising from the transaction of your digital assets, or the timing of such transactions, in connection with you running the Services related to digital assets, including locally.
Digital assets are not legal tender and are not backed by any government. We are not a bank, and we and our service providers have no fiduciary duty to you. We and our service providers make no guarantee as to the functionality of any digital asset network that you elect to access and/or use by running the Services, including locally, which might cause delays, conflicts of interest or might be subject to operational decisions of third parties that are unfavorable to you or affect your digital assets, or lead to your inability to complete a transaction using the Services. You hold us and our service providers harmless from and against any losses you suffer as a result of your use of the Services and any third party services, networks, or protocols that relate to the Services, even if you access them from the Services. There are no guarantees that a transfer initiated via your wallet on the Services, including those run locally by you, will successfully transfer title of or right in any digital assets.
You acknowledge that the Websites and the Tools could have bugs or security vulnerabilities, and you hereby accept this risk. You hereby hold us and our service providers harmless from any losses you suffer as a result of your use of the Websites and/or any Services, including those run locally by you, which you agree you use at your sole risk.
To the extent you run any Services related to digital assets, including locally, the digital assets and use of your wallet and the Services may be subject to expropriation and/or theft. Hackers or other malicious actors may attempt to interfere with the Websites and/or the Services or your use thereof in a variety of ways, including, but not limited to, use of malware, denial of service attacks, Sybil attacks, and spoofing. Furthermore, because much of the Websites and/or the Services rely on open source software, there is the software underlying our code that may contain intentional or unintentional bugs or weaknesses which may negatively affect the Websites and/or the Services, or result in the loss of your digital assets, or your ability to control your wallet. You hold us and our service providers harmless from and against any losses you suffer as a result of such issues.
We do not guarantee that the Websites (or, for the avoidance of doubt, any Services) will be available without interruption. The information on the Websites and the Tools may not always be entirely accurate, complete or current. Information on the Websites and the Tools may be changed or updated from time to time without notice, including information regarding our policies, products and services. Accordingly, you should verify all information before relying on it. All decisions you make based on information provided through the Websites and the Tools run locally by you are your sole responsibility and you hold us and our service providers harmless from and against any losses you suffer as a result of such decisions.
Certain Services, including those that you run locally, may facilitate access to materials offered by or created by third parties. All such materials, and links to third party websites are provided as a convenience only. We do not control such materials (or any part of the Tools), and provide no guarantee as to their accuracy, completeness, legality or usefulness. You acknowledge and agree that we and our service providers are not responsible for any aspect of the information, content, or services contained in any such third-party materials accessible or linked to from the Websites or the Services.
You agree and understand that all purchase and sale decisions are made solely by you in connection with any Services, including those run locally by you. You agree and understand that under no circumstances will the operation or use of the Websites and/or your operation or use of the Services be deemed to create a relationship that includes the provision of or tendering of investment advice. NO FINANCIAL, INVESTMENT, TAX, LEGAL OR SECURITIES ADVICE IS GIVEN THROUGH OR IN CONNECTION WITH THE WEBSITES OR THE TOOLS. No content found on the Websites or the Tools, whether created by us, our service providers, or another user is or should be considered as investment advice. You agree and understand that we and our service providers accept no responsibility whatsoever for, and shall in no circumstances be liable in connection with, your decisions or your use of the Websites or any Services which you elect to run, including locally. Nothing contained in the Websites or the Tools constitutes a solicitation, recommendation, endorsement, or offer by us or any third party to buy or sell any digital assets, securities, or other financial instruments. To the extent you run any Services related to digital assets, including locally, neither us, any of our affiliates, nor our service providers have: (1) evaluated the merit of any digital assets that may be available through the Services; or (2) has endorsed or sponsored any digital assets made available.
Monitoring and Enforcement; Termination
We and our service providers, as applicable, have the right to:
- Remove or block the posting of any User Contributions for any or no reason in our sole discretion (to the extent we are able to do so).
- Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.
- Take appropriate legal action, including without limitation, referral to law enforcement, for any actual or suspected illegal or unauthorized use of the Websites or the Tools.
Without limiting the foregoing, we and our service providers have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us or them to disclose the identity or other information of anyone using the Websites or the Tools. YOU WAIVE AND HOLD HARMLESS COMPANY, ITS LICENSORS, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES. However, neither we nor our service providers undertake to review any material available through any Services, including those run locally by you, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, neither we nor our service providers assume any liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. Neither we nor our service providers have any liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
These content standards apply to any and all User Contributions made by you in connection with any Services, including those run locally by you, including with respect to Interactive Services. User Contributions must in their entirety comply with all applicable local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:
- Contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable.
- Promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age.
- Infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person.
- Be likely to deceive any person.
- Promote any illegal activity, or advocate, promote, or assist any unlawful act.
- Cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person.
- Impersonate any person, or misrepresent your identity or affiliation with any person or organization.
- Involve commercial activities or sales, such as contests, sweepstakes and other sales promotions, barter, or advertising.
- Give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
To the extent your claims of copyright infringement relate to any materials on the blockchain, given the nature of the blockchain, we cannot guarantee that we can remove such content. In such instances, if commercially feasible, we may attempt to add a note to the blockchain informing the public that the content is under review or considered infringing.
Reliance on Information Posted
Neither we nor our service providers warrant the accuracy, completeness, or usefulness of any information or materials available through any Services, including those run locally by you. Any reliance you place on such information is strictly at your own risk. We and our service providers hereby disclaim all liability and responsibility arising from any reliance placed on such materials or information by you, or by anyone who may be informed of any of its contents.
To the extent any Services, including those you run locally, provide access to content provided by third parties, including materials provided by other users, bloggers, third-party licensors, syndicators, aggregators, and/or reporting services, all statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, are solely the opinions and the responsibility of the person or entity providing those materials. We and our service providers are not responsible, or liable to you or any third party, for the content or accuracy of any materials accessible via Services, including those run locally by you.
Information About You and Your Use of the Websites and the Tools
Third Party Terms
Additional terms and conditions may apply to Services, including those run locally by you, and it is your responsibly to carefully read, understand and comply with those Third Party Terms.
We make no claims that the Websites or the Tools or any of their content is accessible or appropriate in any jurisdiction. Access to the Websites, the Tools, and/or running any Services, including locally, may not be legal by certain persons or in certain countries.
Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that materials available for downloading from the internet or the Websites or the Tools will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to the Services for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, NEITHER WE NOR OUR SERVICE PROVIDERS WILL BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY DENIAL OF SERVICE ATTACKS, DISTRIBUTED DENIAL-OF-SERVICE ATTACKS, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER MATERIAL DUE TO YOUR USE OF THE WEBSITES OR THE TOOLS OR YOU LOCALLY RUNNING ANY OF THE SERVICES OR YOUR USE OF ANY ITEMS OBTAINED THROUGH THE SERVICES, INCLUDING THOSE RUN LOCALLY BY YOU, OR TO YOUR DOWNLOADING OF ANY MATERIAL AVAILABLE THROUGH ANY SERVICES, INCLUDING THOSE RUN LOCALLY BY YOU, OR ON ANY WEBSITES LINKED TO THEM. THE WEBSITES AND THE TOOLS ARE MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS. WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER WE NOR ANY OF OUR SERVICE PROVIDERS MAKE ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE WEBSITES OR THE TOOLS. WITHOUT LIMITING THE FOREGOING, NEITHER COMPANY NOR ANY OF ITS SERVICE PROVIDERS REPRESENTS OR WARRANTS THAT ANY PART OF THE WEBSITES OR THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU, ANY CONTENT THEREIN, OR ANY SERVICES OR ITEMS OBTAINED THROUGH ANY WEBSITES OR THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU, WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITES OR THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU, OR THE TECHNOLOGY THAT MAKES ANY OF THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE SERVICES, INCLUDING THOSE RUN LOCALLY BY YOU OR ITEMS OBTAINED THROUGH THE WEBSITES OR THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU, WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS. TO THE FULLEST EXTENT PROVIDED BY LAW, WE AND OUR SERVICE PROVIDERS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE WITH RESPECT TO THE WEBSITES AND THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR AFFILIATES, OR OUR OR THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITES OR THE TOOLS, INCLUDING THOSE RUN LOCALLY BY YOU, AND/OR ANY GOODS, SERVICES, DIGITAL ASSETS, OR THIRD-PARTY CONTENT ASSOCIATED WITH THE FOREGOING, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. YOU AGREE TO HOLD COMPANY AND ITS SERVICE PROVIDERS HARMLESS FROM AGAINST ANY LOSSES YOU MAY INCUR AS A CONSEQUENCE OF USING THE WEBSITES AND THE TOOLS, INCLUDING IF YOU ELECT TO RUN ANY SERVICES LOCALLY. THESE POTENTIAL LOSSES INCLUDE ANY GAS FEES FOR FAILED TRANSACTIONS, ANY EXCESSIVE GAS FEES CHARGED DUE TO SERVICES OR SMART CONTRACT BUGS, AND ANY LOSS OF YOUR CRYPTO ASSETS OR GOODS DUE TO SERVICES OR SMART CONTRACT BUGS. THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Governing Law and Jurisdiction
Limitation on Time to File Claims
Waiver and Severability
Your Comments and Concerns