Effective Date: August 30, 2023
1. Acceptance of Terms
You hereby represent and warrant that you are fully able and competent to enter into and comply with these Terms. In order to open a user account or to access and use any of the services provided by the App, you must be at least eighteen (18) years of age. If you are a legal resident of any jurisdiction where the minimum age for the permissible use of the App is greater than eighteen (18) years of age, then you must meet the age requirement in such jurisdiction. Additionally, residents outside of the United States, regardless of their age, may not use the App. By using the App, you represent and warrant that you are not physically located in any of the following States: Connecticut, Hawaii, Idaho, Louisiana, Montana, Michigan, Nevada, or New York, or any other state in which the usage of the App is prohibited by law.
Vivid Picks and Vivid Seats LLC (“Vivid Seats”) employees (collectively, “Employees”), and any domestic partner or relative of the employee who resides at an employee’s residence, including but not limited to parents, grandparents, in-laws, children, siblings, and spouses (“Immediate Family Members”), are not permitted to play in any Vivid Picks public contests for cash.
Professional or amateur athletes, sports agents, coaches, team owners, team employees, referees or league officials, and their immediate family members, are not eligible to participate in, and are strictly prohibited from entering, any Vivid Picks contests in the sport in which they are associated.
3. Opening an Account and Account Information
In consideration of our acceptance of your application to establish an account, you represent (and acknowledge that we may rely upon these representations) as follows:
You agree to hold us harmless against any falsehood or inaccuracy contained in the information you provide us. In order to use the App, you must register for an account. By registering as an App user, you agree to provide accurate, current, and complete information about yourself as prompted and you will maintain and promptly update your registration data to keep it accurate, current and complete. If you provide any information that is inaccurate, not current or incomplete, or Vivid Picks has reason to suspect that such information is inaccurate, not current or incomplete, Vivid Picks may terminate your account, at its sole discretion. By establishing an account, you hereby consent to Vivid Picks using third-party services to verify your account information, including, but not limited to, confirming your age, location, and identity. Only one account per person is allowed. Your Vivid Picks account is unique to you and non-transferrable. Vivid Picks reserves the right to reject any application for an account for any reason it deems necessary.
You are responsible for maintaining the confidentiality of your account information, including, but not limited to, your login name, password, and banking and payment information, and you accept responsibility for all activities, charges, and damages that occur under your account. It shall be a violation of these Terms to allow any other person to use your account to participate in any contest. If you have reason to believe that someone is using your account without your permission, you should contact us immediately. We will not be responsible for any loss or damage resulting from your failure to notify us of unauthorized use. If we request registration information from you, you must provide us with accurate and complete information and must update the information when it changes. We may require you to change your login name or we may unilaterally change your login name, at our sole discretion, without notice to you.
4. Anti-Money Laundering Policies
Vivid Picks is committed to combating money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by complying with all applicable requirements under the Bank Secrecy Act (BSA) and its implementing regulations. Vivid Picks may require you to provide proof that you are eligible to participate prior to receiving a prize. This includes by requesting that you fill out an affidavit of eligibility or other verification information. If Vivid Picks determines that you do not meet its eligibility requirements, in addition to any rights that Vivid Picks may have in law or equity, Vivid Picks reserves the right to terminate your account, withhold or revoke the awarding of any prizes associated with your account or limit your ability to withdraw. In such a situation, Vivid Picks may pay out any withheld or revoked prizes to the other entrants in the relevant contest in a manner consistent with the prize structure of the contest, to be precisely determined by Vivid Picks in its sole discretion. Employees and Immediate Family members are not eligible to participate in paid contests. Vivid Picks consultants or promoters of the App may play in contests without such limitation, but only if: (i) their arrangement with Vivid Picks does not permit them to have any access to non-public App data or any other data not made available to all players on the App and (ii) they do not have or receive any other advantages in their play on the App. Employees or operators of other daily fantasy sites or apps that charge entry fees or offer cash prizes, including but not limited to DraftKings, FanDuel or Yahoo, and individuals who, by virtue of affiliation with another daily fantasy site, have access to the site/app’s pre-release non-public confidential data about game-related information may not enter any contests in which a real money prize is awarded. If such person enters a Vivid Picks contest that awards prizes, Vivid Picks will disqualify the entry, will not award a prize, and may report such person’s violation of this provision to the daily fantasy site for which the entrant is employed by, operates or is affiliated with. Additionally, Vivid Picks may maintain information about the entrant sufficient to assist Vivid Picks in blocking the user from entering future Vivid Picks contests, unless and until Vivid Picks determines, in its sole discretion, that the entrant is no longer a prohibited user. You agree that the specific and sole purpose of creating an account on Vivid Picks’s App is to participate in fantasy sports contests on the App. Vivid Picks shall be entitled to suspend, limit or terminate your account if we determine, in our sole discretion, that you are depositing funds without the intention of using them in contests on the App. In such circumstances, we may also report such activity to relevant authorities. By depositing funds or entering paid contests, you agree to provide us with a valid mailing address, date of birth and any other information we may require in order to run appropriate identity checks and comply with applicable rules and regulations. If necessary, you may be required to provide appropriate documentation that allows us to verify you. While your account is pending verification, you may be able to deposit funds in your account and participate in contests, but you will not be able to withdraw any funds from your account until verification is complete. Deposits, and player winnings after contests are finished, are held in a separate, segregated bank account at a third-party financial institution. These funds belong to you, subject to review for evidence of fraud, verification or other prohibited conduct as described above, and Vivid Picks may not use them to cover its operating expenses or for other purposes. Vivid Picks may limit the amount a user can deposit into his or her account in accordance with state-imposed deposit limits or other limits Vivid Picks may deem necessary in its sole discretion. In cases where you have participated in a promotion to receive a bonus or other benefit, you may be required to play through your deposit (by entering contests) whose total entry fees equal the value of the deposit to receive the entirety of such bonus.
5. Consent to Contact
By signing up for an account, you hereby consent to receive communications from us via e-mail, telephone or mail, regarding matters related to your account, the App, and any offerings, promotional or otherwise, from us, our affiliates or our marketing partners. You have a right to limit the circumstances under which we may contact you by changing your preferences on the App. From time to time, Vivid Picks may provide you with access to various information and content via the App, emails or through other means of communication.
6. Third-Party Websites and Syncing
By signing up for an account, you further consent to receiving links to third-party websites which may include information. This information is supplied “as is” and for informational purposes only. Use of such information is entirely at your own risk. To the fullest extent permitted by law, neither Vivid Picks nor any other party makes any representations or warranties of any kind, including but not limited to, the accuracy, quality or completeness of the information. Neither Vivid Picks nor any other party shall be liable for any action taken by you as a result of your reliance on any of this information or for any loss or damage suffered by you as a result of your use of such information or any third-party website linked to Vivid Picks. Any links to third-party websites do not constitute an endorsement by Vivid Picks or any other party of any products or services available on such websites. You use such websites at your own risk and neither Vivid Picks nor any other party takes any responsibility for the content on, or use of, such websites. Similarly, if you elect to sync your Vivid Picks account with any third-party service, you agree that such syncing is at your own risk, and VividPicks shall not be liable for any loss or damage suffered by you as a result of your use of such third-party service.
7. Account Security
You will not attempt to sell or otherwise transfer your account to any third party and nor will you acquire or attempt to acquire an account which has been opened in the name of a third party.
8. Errors and Omissions Related to Your Account
You will inform us as soon as you become aware of any errors with respect to your account and you will forfeit any amounts shown to be in your account that result from human error or technical fault on the part of Vivid Picks and their respective vendors and suppliers.
9. Suspension or Termination of Your Account
Either we or you may suspend or terminate your account at any time, either with or without cause, upon notice (we will use our reasonable efforts to give such notice to you either before or after suspending or terminating your account). You agree that upon any such suspension or termination, your entries for any contests that have not yet graded will be cancelled. You understand that you are not permitted to use the App, and may be blocked from using the App, if you are physically located outside of the boundaries of a jurisdiction where participation in the App’s services is legal. In addition, if formally requested by law enforcement, regulators or other authorities, or in the event that you fail to provide us with sufficient information to identify yourself in accordance with our own internal procedures or those imposed on us by any regulator, we may suspend your account and all functionality relating to the use of your account pending the final determination of any criminal or other legal proceeding or investigation to which such a request may relate or until we determine, at our sole discretion, that you have provided valid “know your client” or “age verification” information, as appropriate.
10. Game of Skill
Vivid Picks is a game of skill. Winners are determined by the criteria set forth in each contest’s rules. For each contest, winners are determined by individuals who use their skill and knowledge of relevant professional sports information and fantasy sports to accumulate the most fantasy points. Fantasy points are accumulated through the performance by individual athletes in sports events.
11. License to Use the App
The App may not be used for any form of illegal gambling. Vivid Picks grants you a limited license to access the App and to play the games and contests, provided that you comply with these Terms. The availability of the App does not constitute an offer or invitation by Vivid Picks for you to use the App in any jurisdiction in which such use is illegal. You understand that we may block you from using the App if you are physically located in a jurisdiction where such use is illegal. Your use of the App confers no rights whatsoever to the Content, Software or to any related Intellectual Property Rights contained on the App. You agree not to monitor, use or copy any of our App Content. You will not attempt to hack, make unauthorized alternations or introduce any kind of malicious code to the App by any means.
12. License to Use the Software
The software used to operate the App (the “Software”) is owned by Vivid Picks and will remain the property of Vivid Picks. You will only use the Software to use the App in accordance with these Terms. If you become aware that the Software is being used in any manner not authorized by these Terms, you will immediately notify Vivid Picks. You will not: (i) reverse engineer or decompile (whether in whole or in part) the Software or (ii) make copies, modify, reproduce, transmit, alter or distribute the Software or all or any part of the App or any material or information contained on it. Any unauthorized use or reproduction may be legally actionable. You agree that you will not use the Software:
Vivid Picks, or their vendors, may issue upgraded versions of the Software from time to time and will make such upgraded versions available to you. All such upgrades shall be deemed to be Software for the purposes of these Terms.
13. Your Representations
In consideration for us allowing you to use the App, by opening and using an account on the App, you represent (and acknowledge that we will rely upon these representations) as follows:
14. Cancellation, Termination, Suspension and Breach
We may restrict your access to the App, prohibit you from participating in any and/or all of the contests and/or prohibit players from playing in a particular contest (including restricting two or more players from playing together in the same contest), suspend or terminate your account in our absolute discretion without cause at any time including, without limitation, if:
15. Changes to the Contests; Scoring Errors; Contest Rules.
Fantasy points are calculated using the results at the time when Vivid Picks tabulates final scoring. Vivid Picks may, in its absolute discretion, alter, amend, cancel, or withdraw any particular contest or any part thereof, and may add other contests at any time, and may alter prices, features, specifications, capabilities, functions and/or other characteristics of the contests at any time. In the event of a cancellation, all entry fees will be refunded. Vivid Picks also reserves the right to adjust fantasy point calculations and scoring if it, in its sole discretion, believes errors or irregularities are present, either in the calculation of results, any palpable error in the creation of a contest or any projection, issues with transmission of information to Vivid Picks, or mistakes or errors in the statistical results provided to Vivid Picks that do not reflect actual on-field results. Vivid Picks, however, will not change results once winners are announced solely in light of official adjustments made by the NFL, NBA, MLB, NHL, or PGA more than 30 minutes after the official conclusion of the sporting event. Vivid Picks reserves the right to reverse payment in the event of any adjustment, and may, but is not required to, to delay awarding of prizes if it anticipates adjustments may occur. You agree to cooperate with efforts to reverse payments.
16. Bonuses and Promotions
Bonuses may be offered to newly depositing users and for other marketing purposes. Certain bonuses are awarded as a “pending bonus” earned gradually when users enter and complete paid contests. Any bonus a new user receives is for entry into Vivid Picks contests and can only be withdrawn if the user has previously entered into at least one contest. In the event of abuse of the bonus system by any user, Vivid Picks reserves the right to retract user bonuses. Vivid Picks may also offer credits in contests where users correctly select portions of any entry, and for referring new users to Vivid Picks, or other purposes at Vivid Picks’s sole discretion. Vivid Picks reserves the right, in its sole discretion, to reclaim these bonuses and credits if players do not use them to enter real money contests within 30 days of their initial award and crediting, or within the minimum amount of time allowed by applicable law. These bonuses and credits can be used to enter real money contests, but cannot be withdrawn as cash unless and until they are used in a real money contest that results in player winnings.
17. Errors and Omissions Related to Results
If there is any discrepancy between the contest results on your mobile device and the results on our server, the results on our server shall be final and binding. If there is any discrepancy between your on-screen display and the balance in your account, the balance held on Vivid Picks’s server is deemed to be the balance in your account and this determination shall be final and binding. You will forfeit any amounts shown to be in your account that result from human error or technical default. Vivid Picks and its respective licensors, vendors and suppliers and the respective licensees, distributors, parents, subsidiaries, affiliates of each and all of their officers and directors and employees that will not be liable for any loss or damages which may be caused by the interception or misuse of any information transmitted over the Internet.
18. Inactive Accounts
Your account may be deemed dormant or abandoned if it remains inactive for the amount of time specified by applicable state law (usually thirty-six (36)months or longer). Vivid Picks will treat any remaining funds held in a dormant or abandoned account in accordance with applicable state laws and regulations, which may require Vivid Picks to remit the abandoned funds to the state as unclaimed property.
19. Intellectual Property
Vivid Picks is the owner or licensee of: (i) all copyright and related rights in and to our App, including, without limitation, rights in databases; (ii) all trademark rights, whether registered or unregistered, in and to Vivid Picks and the Vivid Picks logo; and (iii) patents owned by Vivid Picks (collectively, “Vivid Picks Property”). You acknowledge that you do not acquire any ownership rights by using our App. You may not use any Vivid Picks Property in connection with any product or service that is not offered by Vivid Picks, in any manner that is likely to cause confusion with Vivid Picks’s business or in any manner that disparages Vivid Picks. Nothing contained on the App or website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Vivid Picks Property without the express written permission of Vivid Picks. Any unauthorized use of these rights may result in legal action being taken against you.
The content, organization, graphics, design, compilation, "look and feel" and all Vivid Picks Property available on the App, including, without limitation, images and written and other materials (the "Materials"), are intellectual property protected under the copyright, trademark and other intellectual property laws of the United States and/or other countries ("Intellectual Property Laws"). You may not download, print, copy, reproduce, distribute, transmit, broadcast, display, sell, license or otherwise use or exploit any of the Materials except in the course of using the App or for lawful purposes. You also agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on any Materials. The violation of applicable Intellectual Property Laws may give rise to civil and/or criminal penalties. No right, title or interest in any downloaded Materials is transferred to you as a result of any such downloading or copying other than the foregoing license to possess for personal use in connection with the App.
20. User Content
You hereby assign to Vivid Picks any and all copyright and other Intellectual Property Rights throughout the world in all media whether now known or hereafter developed, for the maximum duration permitted by applicable law, including by way or present assignment or future copyright and all other rights whatsoever, in any game play, feedback or any other interaction made by you while participating in the contests or using the App. Any data, text, graphics, photographs or any other content, and their selection and arrangement, uploaded to the App by any user (“User Content”) are subject, whether in whole or in part, to unlimited worldwide commercial, non-commercial and/or promotional use by Vivid Picks. Any text, graphics, photographs, files or other User Content uploaded by you shall be your sole responsibility and you hereby agree that you may be held liable for any User Content that you upload. Vivid Picks shall not bear any responsibility for any of the above mentioned User Content. Vivid Picks reserves the right (but shall at no time be obligated) to, in its sole discretion, remove, block, edit, move, disable or permanently delete User Content from the App with or without notice for any reason whatsoever. You hereby agree that, to the maximum extent permitted by applicable law, Vivid Picks shall at no time be responsible or held liable for the removal, modification or blocking of material or User Content that may be considered offensive and shall at no time be obligated to effect such removal other than as required under applicable law.
You agree to indemnify, defend and hold harmless Vivid Picks, its parents, affiliates, investors, licensors, suppliers, advertisers and sponsors, and their respective employees, consultants, agents and other representatives (“Indemnified Parties”) from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees) and other expenses that arise directly or indirectly out of or from: (i) your breach of any of these Terms; (ii) any allegation that any information you submit or transmit to the App, or Software infringes or otherwise violates the copyright, trademark, trade secret or other intellectual property or other rights of any third party; (iii) any federal, state, or county tax obligation or amounts due or owing under any tax regulation, law, order or decree or any dispute concerning the tax status of Vivid Picks; and/or (iv) your activities in connection with your use of this App.
THE APP, SOFTWARE AND CONTESTS ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. VIVID PICKS DISCLAIMS, TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO THE APP, SOFTWARE AND CONTESTS, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES THAT MAY ARISE FROM COURSE OF DEALING OR USAGE OF TRADE. VIVID PICKS DOES NOT WARRANT THAT YOUR USE OF THE APP, SOFTWARE AND CONTESTS WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE APP AND SOFTWARE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ASSUME ALL RESPONSIBILITY AND RISK FOR YOUR USE OF THE APP, SOFTWARE AND CONTESTS AND YOUR RELIANCE THEREON. VIVID PICKS IS NOT RESPONSIBLE IN ANY WAY FOR THE ACCURACY OR SUITABILITY OF ANY PAYMENT OF TAXES TO ANY ENTITY ON YOUR BEHALF. YOUR USE OF THE APP, SOFTWARE AND CONTESTS AND ANY MATERIALS PROVIDED THROUGH THE APP, SOFTWARE AND CONTESTS ARE ENTIRELY AT YOUR OWN RISK. YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE § 1542, WHICH STATES: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.
23. Limitation of Liability
NEITHER VIVID PICKS NOR ANY OTHER INDEMNIFIED PARTY ARE OR WILL BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY TYPE (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF BUSINESS OR LOST PROFITS) AS WELL FOR AS ANY MULTIPLIER ON OR INCREASE TO DAMAGES, UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTORY, COMMON LAW, EQUITABLE, OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE APP, THE SOFTWARE OR THE CONTESTS. WITHOUT LIMITING THE FOREGOING, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT VIVID PICKS AND ANY OTHER INDEMNIFIED PARTY SHALL HAVE NO LIABILITY OR RESPONSIBILITY WHATSOEVER FOR: (I) ANY ACTION OF ANOTHER USER ON THE APP; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, WHETHER ARISING IN CONTRACT OR IN TORT, RESULTING FROM YOUR ACCESS TO OR USE OF THE APP OR SOFTWARE, INCLUDING ANY CLAIM, CAUSE OF ACTION, OBLIGATION, LIABILITY, RIGHT OR REMEDY WHETHER OR NOT ARISING FROM THE NEGLIGENCE OF VIVID PICKS; (III) ANY UNAUTHORIZED ACCESS; (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE APP; (IV) ANY BUGS, VIRUSES, WORMS, DEFECTS OR OTHER ITEMS OF A DESTRUCTIVE NATURE WHICH MAY BE TRANSMITTED TO OR THROUGH THE APP OR SOFTWARE BY ANY THIRD PARTY; AND/OR (V) ANY ERROR, MISTAKE, INACCURACY OR OMISSION IN ANY CONTENT, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT AVAILABLE THROUGH THE APP.
THE MAXIMUM LIABILITY OF VIVID PICKS, AND ANY OTHER INDEMNIFIED PARTY, AND YOUR SOLE AND EXCLUSIVE REMEDY, FOR ALL DAMAGES, LOSSES SUFFERED BY YOU AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE) OR OTHERWISE, SHALL BE THE GREATER OF (A) THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE APP OVER THE PAST TWELVE (12) MONTHS; OR (B) $200.
YOU ACKNOWLEDGE AND AGREE THAT NEITHER VIVID PICKS NOR ANY OF THE INDEMNIFIED PARTIES ARE LIABLE, AND YOU AGREE NOT TO SEEK TO HOLD VIVID PICKS AND THE INDEMNIFIED PARTIES LIABLE, FOR THE CONDUCT OF THIRD PARTIES AND THAT THE RISK OF INJURY FROM SUCH THIRD PARTIES RESTS ENTIRELY WITH YOU.
SOME NOT ALLOW CERTAIN AGREEMENTS TO INCLUDE THE PROVISIONS OF THIS SECTION THAT (I) LIMIT OR EXCLUDE CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY TYPE; (II) LIMIT OR EXCLUDE THE USE OF ANY MULTIPLIER ON OR INCREASE TO DAMAGES; AND/OR (III) LIMIT THE LIABILITY OF VIVID PICKS, AND ANY OTHER INDEMNIFIED PARTY, TO THE GREATER OF (1) THE TOTAL AMOUNT PAID BY YOU, IF ANY, TO ACCESS THE SITE OVER THE PAST TWELVE (12) MONTHS; OR (2) $200. THESE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. THE PROVISIONS OF THIS SECTION DO NOT APPLY TO THE EXTENT, AND ONLY TO THE EXTENT, NOT PERMITTED BY APPLICABLE LAW.
24. Arbitration and Dispute Resolution
You and Vivid Picks each agree that, except as provided in the Exceptions provision below, any and all disputes, controversies or claims arising out of or relating in any way to: (i) these Terms; (ii) your use of, or access to, the App; (iii) Vivid Picks’s services or contests; (iv) any items sold or purchased through the App; or (iv) any marketing, advertising, statements or representations regarding or related in any way to these Terms, the App or software (including access to and use thereof), Vivid Picks’ services or contests, and any items sold or purchased through the App shall be fully, finally, and exclusively resolved through final and binding arbitration rather than in court. You and Vivid Picks each waive any right to a jury trial as well as any right to bring claims in or otherwise participate in a class, representative, or consolidated action or proceeding, as set forth below.
Exceptions: Notwithstanding the remainder of this Arbitration and Dispute Resolution section, you and Vivid Picks agree that the following types of disputes will be resolved in court, unless both you and Vivid Picks agree to submit the dispute to arbitration pursuant to this Arbitration and Dispute Resolution section:
(1) Disputes or claims within the jurisdiction of a small claims court; or
(2) Disputes or claims where the sole form of relief sought is injunctive relief (including public injunctive relief).
For the avoidance of doubt, the waiver of the right to bring claims in or otherwise participate in a class, representative, or consolidated action or proceeding set forth in the Class Action Waiver provision below does not prevent you from seeking public injunctive relief in an individual capacity to the extent otherwise permitted by law.
You and Vivid Picks also agree that for disputes or claims where both injunctive relief (including public injunctive relief) and non-injunctive relief are sought, you and Vivid Picks will first submit the dispute or claim for non-injunctive relief to arbitration pursuant to this Arbitration and Dispute Resolution section. The arbitrator will not be permitted to grant injunctive relief (unless the parties mutually agree otherwise). Once the arbitration of the dispute or claim for non-injunctive relief has concluded, you and/or Vivid Picks may seek the injunctive relief (including the public injunctive relief) in court to the extent permitted by law.
Any litigation in court of the foregoing types of disputes (except for small claims court actions) may be commenced only in a federal or state court located within Cook County, Illinois, and you and Vivid Picks each consent to the jurisdiction of those courts for such purposes. Regardless of whether the foregoing types of disputes in this Exceptions provision are resolved by a court or pursuant to arbitration, you and Vivid Picks agree that the dispute is subject to the Class Action Waiver provision set forth below.
Delegation: The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the formation, existence, scope, validity, interpretation, applicability, or enforceability of this agreement to arbitrate, or any part of it, or of these Terms, including, but not limited to, any claim that all or any part of this agreement to arbitrate or the Terms is void or voidable. If any party disagrees about whether the foregoing provision (or any portion of this agreement to arbitrate, including without limitation the provisions relating to arbitration, the waiver of class or representative proceedings, and opting out) can be enforced or whether it applies to the dispute, the parties all agree that the arbitrator will decide that dispute.
Governing Law: The Federal Arbitration Act (“FAA”) governs this agreement to arbitrate in all respects. This means that the FAA governs, among other things, the interpretation and enforcement of the parties’ arbitration agreement and all of its provisions, including, without limitation, the Class Action Waiver. State arbitration laws do not govern in any respect. Further, you and Vivid Picks each agree that the Terms evidence a transaction involving interstate commerce and will be governed by and construed in accordance with federal law to the fullest extent possible. To the extent state law applies, the parties’ arbitration agreement and the parties’ Class Action Waiver shall be governed by Illinois law, subject to conflict of law principles.
Informal Initial Dispute Mechanism: If either you or Vivid Picks intends to bring a claim against the other, that party must first send to the other, by certified mail, a completed Intent to Arbitrate Notice ("Intent Notice"). The Intent Notice to Vivid Picks should be sent to Vivid Picks, LLC, Attention: Legal Department, 24 E. Washington Street, Suite 900, Chicago, IL 60602. If you and Vivid Picks are unable to resolve the dispute described in the Intent Notice within thirty (30) days after the Intent Notice is sent, you or Vivid Picks may initiate an arbitration proceeding.
Initiating Arbitration Proceedings; Rules, Venue, and Jurisdiction: The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules, as modified by this agreement to arbitrate. Exclusive jurisdiction for an arbitration hearing required under the AAA Consumer Arbitration Rules, if any, shall be in Chicago, Illinois. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings, Demand for Arbitration, is available on the AAA website. In addition to filing the Demand for Arbitration with the AAA, in accordance with its rules and procedures, you must send a copy of the completed form to Vivid Picks at the following address: Vivid Picks, LLC, Attention: Legal Department, 24 E. Washington Street, Suite 900, Chicago, IL 60602. The arbitrator will decide the substance of all claims in accordance with the laws of the State of Illinois, subject to conflict of law principles. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
In the event that the AAA is unable to conduct the arbitration for any reason, you and Vivid Picks will mutually select an alternative arbitration provider, and the arbitration will be conducted pursuant to that provider’s applicable rules.
If the agreement to arbitrate is held unenforceable or invalid for any reason, any litigation against Vivid Picks (except for small claims court actions, as discussed above) may be commenced only in a federal or state court located within Cook County, Illinois, and you and we each consent to the jurisdiction of those courts for such purposes.
Selection of Arbitrator: The parties agree that there will be one arbitrator and that the process for appointing an arbitrator will be the following manner: The AAA shall send simultaneously to each party to the dispute an identical list of 10 names of persons chosen from the National Roster (unless the AAA decides that a different number is appropriate). For a dispute or claim relating to the intellectual property of you, Vivid Picks, or any of Vivid Picks’s corporate family members (for example, trademarks, trade dress, domain names, trade secrets, copyrights, or patents), the list from the National Roster shall be limited to individuals who either previously served as a federal judge or is an attorney who has specialized in intellectual property law for at least ten (10) years.
The parties will confer to attempt to agree to an arbitrator from the submitted list and to advise the AAA of their agreement. If the parties are unable to agree upon an arbitrator, each party to the dispute shall have 14 calendar days from the transmittal date in which to strike names objected to, number the remaining names in order of preference, and return the list to the AAA. The parties are not required to exchange selection lists. If a party does not return the list within the time specified, all persons named therein shall be deemed acceptable to that party. From among the persons who have been approved on both lists, and in accordance with the designated order of mutual preference, the AAA shall invite the acceptance of an arbitrator to serve. If the parties fail to agree on any of the persons named, or if acceptable arbitrators are unable to act, or if for any other reason the appointment cannot be made from the submitted lists, the AAA shall have the power to make the appointment from among other members of the National Roster without the submission of additional lists, except that for the appointment of an arbitrator for a dispute or claim relating to the intellectual property of you, Vivid Picks, or any of Vivid Picks’s corporate family members (for example, trademarks, trade dress, domain names, trade secrets, copyrights, or patents), the individual appointed shall either previously have served as a federal judge or be an attorney who has specialized in intellectual property law for at least ten (10) years.
Arbitration Fees and Costs; Attorneys’ Fees and Expenses: Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this agreement to arbitrate. If the value of the relief sought is $10,000 or less, at your request, Vivid Picks will pay all filing, administrative and arbitrator fees associated with the arbitration. Any request for payment of fees by Vivid Picks should be submitted by mail to the AAA along with the Demand for Arbitration, and Vivid Picks will make arrangements to pay all necessary fees directly to the AAA.
Each party is responsible for his, her, or its own attorneys’ fees and expenses, and Vivid Picks will not pay your attorneys’ fees or expenses except to the extent ordered to do so by the arbitrator. If you prevail in arbitration, however, you will be entitled to an award of reasonable attorneys’ fees and expenses to the extent allowed for under applicable law and ordered by the arbitrator. In the event the arbitrator determines the claim you asserted in the arbitration to be frivolous according to Federal Rule of Civil Procedure 11, or brought for an improper purpose, you agree to reimburse Vivid Picks for all fees associated with the arbitration paid by Vivid Picks that you otherwise would have been obligated to pay under the AAA rules. If the arbitrator, upon final disposition of the case, finds your dispute was not frivolous, Vivid Picks will reimburse any filing fees that you paid and were not otherwise reimbursed.
Opting Out: You can choose to reject this agreement to arbitrate. If you do not wish to be bound by this agreement to arbitrate and/or the Class Action Waiver, you must notify Vivid Picks in writing within thirty (30) days of the date that you first access the App. Your written notification must include your name and address, as well as a clear statement that you do not wish to resolve disputes with Vivid Picks through arbitration. Written notification should be mailed by certified mail to: Vivid Picks LLC, Attention: Legal Department, 24 E. Washington Street, Suite 900, Chicago, IL 60602. If you do not opt out within thirty (30) days, then you accept all terms and conditions of the arbitration and dispute resolution procedures described above.
Class Action Waiver: To the fullest extent permitted by applicable law, you and Vivid Picks each agree that any proceeding to resolve any dispute, claim, or controversy will be brought and conducted ONLY IN THE RESPECTIVE PARTY’S INDIVIDUAL CAPACITY AND NOT AS PART OF ANY CLASS (OR PURPORTED CLASS), CONSOLIDATED, MULTIPLE-PLAINTIFF, OR REPRESENTATIVE ACTION OR PROCEEDING (“Class Action”). YOU AND VIVID PICKS AGREE TO WAIVE THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION. YOU AND VIVID PICKS EXPRESSLY WAIVE ANY ABILITY TO MAINTAIN A CLASS ACTION IN ANY FORUM. IF THE DISPUTE IS SUBJECT TO ARBITRATION, THE ARBITRATOR WILL NOT HAVE AUTHORITY TO COMBINE OR AGGREGATE CLAIMS, CONDUCT A CLASS ACTION, OR MAKE AN AWARD TO ANY PERSON OR ENTITY NOT A PARTY TO THE ARBITRATION. FURTHER, YOU AND VIVID PICKS AGREE THAT THE ARBITRATOR MAY NOT CONSOLIDATE PROCEEDINGS OR MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS ACTION. For the avoidance of doubt, however, you can seek public injunctive relief to the extent authorized by law, warranted by an individual claim(s), and consistent with the Exceptions clause above.
IF THIS CLASS ACTION WAIVER IS LIMITED, VOIDED, OR FOUND UNENFORCEABLE, THEN, UNLESS THE PARTIES MUTUALLY AGREE OTHERWISE, THE PARTIES’ AGREEMENT TO ARBITRATE SHALL BE NULL AND VOID WITH RESPECT TO SUCH PROCEEDING SO LONG AS THE PROCEEDING IS PERMITTED TO PROCEED AS A CLASS ACTION.
Confidentiality: Unless applicable law provides otherwise, the arbitration proceeding and all records pertaining to it—including but not limited to any documents prepared or produced in connection with the arbitration proceeding, as well as the hearing and the arbitration award—will be confidential and will not be disclosed to any third party, except as necessary to obtain court confirmation of the arbitration award.
Vivid Picks has the right, in its sole discretion, to modify, suspend or discontinue any part of this App at any time, with or without notice.
26. Changes in Terms and Conditions
Vivid Picks reserves the right, in its sole discretion, to change these Terms at any time. If Vivid Picks changes any term or condition, said modification, revision and additional information shall be posted here, automatically replace the existing terms and conditions, become effective immediately, and become binding on all users of this App. Your continued use of the App following Vivid Picks' posting of revised Terms and conditions constitutes your acceptance of the revised agreement.
27. Force Majeure
Vivid Picks shall not be deemed in default or otherwise liable under these Terms due to its inability to perform its obligations by reason of any act of God, fire, earthquake, blizzard, flood, epidemic, pandemic, danger to public health or safety, accident, explosion, casualty, strike, lockout, labor controversy, riot, civil disturbance, act of public enemy, embargo, war, law, ordinance, regulation, legal order (unless caused by Vivid Picks’s default hereunder), failure or delay of any transportation, power, or communications system or any other similar cause not under Vivid Picks’s control.
28. Allocation of Risk
You acknowledge and agree that the foregoing disclaimers and limitations of liability represent bargained for allocations of risk and that the pricing and other terms and conditions of this agreement reflect such allocation of risk.
29. Queries and Disputes
If you have any concerns or questions regarding your account or the result of your participation in any contest on the App, you should contact us via email at email@example.com. We will make reasonable efforts to respond to disputes and queries as soon as possible.
30. Responsible Gaming
If you have concerns about your own gaming behavior or that of a friend or family member, resources are available through the NCPG and ICRG. You can also contact 1-800-522-4700, a 24-hour confidential national helpline for problem gaming, for assistance provided by the NCPG. Text and chat services are also available via NCPG.
31. Third-Party Beneficiaries
Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of the Terms, they will have the right (and will be deemed to have accepted the right) to enforce the Terms against you as a third-party beneficiary thereof. There are no other third-party beneficiaries of the Terms.
Notwithstanding the foregoing, you acknowledge that as between Apple and Vivid Picks, Vivid Picks is responsible for addressing any claims you have or any claims of any third party relating to the App or your possession and use of the App, including, but not limited to (i) product warranty or liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; (iii) claims arising under consumer protection or similar legislation; or (iv) claims that the App infringes a third party’s intellectual property rights.
32. Additional Provisions
No agency, partnership, joint venture or other relationship is intended or created by your use of the App.
These Terms, the use of the App and Software, and any contest entries made hereunder will be governed by the laws of the State of Illinois, subject to conflict of law principles.
These Terms contain the entire understanding of the parties with respect to the matters contained herein and supersede and replace in its entirety any and all prior communications and contemporaneous agreements and understandings between the parties, whether oral, written, electronic or implied.
If any provision of these Terms is held invalid or unenforceable under any circumstance, their application in any other circumstances and the remaining provisions shall not be affected. Further, the provision that has been deemed to be invalid or ineffective shall be enforced to the greatest extent permitted by law.
The heading at the beginning of each paragraph is for reference purposes and in no way defines the scope or extent of such paragraph.
Vivid Picks, LLC
Effective Date: August 1, 2022
1.4 Any questions, comments or complaints should be emailed to firstname.lastname@example.org or forwarded in writing to:
Vivid Picks, LLC
24 E. Washington Street, Suite 900
Chicago, IL 60602
2. Information We Collect
2.1.1 your name;
2.1.2 email address;
2.1.3 date of birth;
2.1.4 PayPal or credit card billing information;
2.1.5 contacts you choose to submit;
2.1.6 profile photo;
2.1.9 your preferences;
2.1.10 submissions to various competitions and promotions;
2.1.11 responses to surveys;
2.1.12 communications sent to us by you;
2.1.13 your subscriptions to newsletters and services offered by us; and
2.1.14 any other information you submit to Vivid Picks when choosing to participate in various activities on the Service.
2.2 In addition to the above, we may need to verify your identity in order for you to use some aspects of the Service. For purposes of verification, we may also collect the following personal information from you (for compliance reasons, provision of this information, when requested, is a mandatory condition of using our Service):
2.2.1 passport information;
2.2.2 driving license information;
2.2.3 other identification documents;
2.2.4 permanent and temporary address;
2.2.5 tax-related information; and
2.2.6 other information as may be required to verify you in accordance with applicable laws and regulations.
2.3 When you use our mobile app, we also may collect mobile device information like operating system and hardware type, numbers or codes that are unique to your particular device (such as IDFA or an Android Ad ID), device information, default device language, the location of your device (at a GPS level), and app usage information. This data also may be linked to your other information, including your location data.
2.4 In addition, if you choose to log in, access or otherwise connect to Vivid Picks, or contact Vivid Picks, through a social networking service (such as Facebook), we may collect your user ID and user name associated with that social networking service, as well as any information you make public using that social networking service. We may also collect information you have authorized the social networking service to share with us (such as your user ID, public profile information, email address, birthday, friends list, and pages you have "liked").
2.5 Cookies Information: When you visit the vividpicks.com website, we may send one or more cookies - small files - to your computer or other device, which may enable us or others to uniquely identify your browser. Vivid Picks uses both session cookies and persistent cookies. A persistent cookie remains after you close your browser. Persistent cookies may be used by your browser on subsequent visits to the site. Persistent cookies can be removed by following your web browser help file directions. Session cookies are temporary and typically disappear after you close your browser. You may be able to reset your web browser to refuse all cookies or to indicate when a cookie is being sent. However, some features of the Site or Service may not function properly if the ability to accept cookies is disabled.
2.6 Log File Information: When you use our Service, our servers may automatically record certain information that your device sends whenever you visit any website and use certain apps. These server logs may include information such as your web or app request, Internet Protocol ("IP") address, browser type, browser language, referring/exit pages and URLs, platform type, number of clicks, domain names, landing pages, pages viewed and the order of those pages, the amount of time spent on particular pages, the date and time of your request, and one or more cookies that may uniquely identify your browser.
2.7 Clear GIFs Information: When you use our Service, we may employ technology such as "clear GIFs" (a.k.a. Web Beacons) which are used to track the online usage patterns of our users. In addition, we may also use clear GIFs in HTML-based emails sent to our users to track which emails are opened by specific users.
2.8 Vivid Picks may also collect information about you from third parties, such as marketing partners, identity verification services, anti-fraud services and other service providers.
3. The Way Vivid Picks Uses Your Personal Information
3.1 We use your personal information to operate, maintain, and provide to you the features and functionality of the Service, including but not limited to the following:
3.1.1 providing you with our products and services, including our games;
3.1.2 processing and responding to inquiries;
3.1.3 personalizing your use of the Service,
3.1.4 alerting you to new features, special events, products and services, or certain third-party products or services in which we think you will be interested;
3.1.5 enforcing the legal terms that govern your use of the Service; and
3.1.6 investigating and protecting the integrity of Vivid Picks’s contests.
3.2 We may use your information (both personal and non-personal information) to send you marketing and advertising content, including sending you advertising through multiple channels, such as direct mail, email, push notifications and display media. We may send you advertising or content regarding our products and services, or products and services that we market on behalf of another company, such as a sports team, a sports venue, or other entity.
3.3 We may use your information to communicate with you about:
3.3.1 our products and services in which you may be interested provided that you have not requested otherwise;
3.3.2 newsletters and information for which you have signed up; and
3.3.3 non-marketing or administrative purposes (such as notifying you of major changes to the Service or for customer service purposes).
3.4 We use your information to improve the quality and design of our Service and to create new features, promotions, functionality, and services such as by storing, tracking, and analyzing user preferences and trends.
3.6 We may anonymize, de-identify, or aggregate your information for any legitimate business purposes, including for reporting and research, or advertising. Such anonymized and/or aggregated data does not personally identify you. Sometimes, this information may be used to target more relevant content or offers to you across different devices – for instance, we may provide you with offers and content on your mobile device, based on your web-based activity.
3.7 We will retain personal information as long as necessary to fulfill these purposes unless the law requires us to keep it for a longer period of time. To provide security and business continuity for the activities described here, we make backups of certain data, which we may retain for longer than the original data.
4. When Vivid Picks Discloses Information
4.1 We may disclose the information we collect or receive from you to our subsidiaries, affiliated companies, agents, or other businesses, or service providers who process your information on our behalf in order to provide or operate the Service. For instance, these entities may have access to your information for purposes including (but not limited to) billing and accounting, hosting, marketing, promotional and email services, customer and technical support, and for the purpose of accepting deposits and paying withdrawals and processing such information on our behalf, and in each case, may use the information to make improvements to the services they provide to us. Our agreements with these service providers limit the kinds of information they can use or process and require them to use reasonable efforts to keep your personal information secure.
4.2 When you choose to share information with social media services about your activities on Vivid Picks by, for example, connecting your social media account to our Service, then Vivid Picks may share your personal information and information about your use of the Service with such social media sites. Please make sure to read the terms and privacy statements of such sites prior to connecting to our Service in this way.
4.3 In the event that you win a prize we may use your personal information (such as your name and photo) in connection with publicity purposes.
4.4 In the event that you win a promotion run by us we may be required to either publish or make available upon request your name and county in accordance with applicable legislation.
4.5 We may publish a profile page that includes your username, the date you became a member, your stats from previous contests and, if you uploaded one, your profile picture. Where you post personal information about yourself through our Service to public areas of our Service, you acknowledge and agree that this personal information will be publicly available.
4.6 When you participate in a contest, we may publish your username on a list of the contest participants, along with a link to your profile page.
4.7 Where you have provided your consent, we may share your personal information with selected third parties for their commercial or marketing use in conjunction with your relationship with Vivid Picks or as part of a specific program or feature.
4.8 In addition, we may disclose to third parties various types of your information for targeted online or mobile advertising, as further described in Section 7 below, “Advertising and Analytics.”
4.9 We also may share personal information in other situations with your consent.
4.11 In the event that Vivid Picks is involved in a merger, acquisition, sale, bankruptcy, insolvency, reorganization, receivership, assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors' rights generally, or other change of control, there may be a disclosure of your personal information to another entity related to such event.
5. Legal Bases for Processing Personal Data
5.1 Some laws require companies to tell you about the legal grounds they rely on to process your personal information. To the extent those laws apply, we process your personal information:
5.1.1 Legitimate interests: In many cases, we handle personal data on the ground that it furthers our legitimate interests’ in commercial activities such as the following in ways that are not overridden by the interests or fundamental rights and freedoms of the affected individuals: (a) Customer service(b) Marketing(c) Protecting our players, personnel and property (d) Analyzing and improving our business(e) Processing job applications(f) Managing legal issues
5.1.2 We may also process personal data for the legitimate interests of our affiliates or business partners, such as to offer special events or contests or assist with marketing.
5.1.3 Processing for the contract: Some of our processing of personal data is to meet our contractual obligations with our players.
5.1.4 Consent: Where required by law, and in some other cases, we handle personal data on the basis of your implied or express consent.
5.1.5 Legal compliance: We need to use and disclose personal data in certain ways to comply with our legal obligations.
6. Your Choices
6.2 You can access and update certain personal information Vivid Picks holds about you at any time by logging into your account via the Service. You can update your marketing preferences and whether or not you would like us to send you newsletters in your account. You can also unsubscribe to marketing emails and newsletters by using the 'unsubscribe' feature in the communication.
6.3 We may occasionally send display media to you, in a targeted way, whether through web or mobile browsers or mobile applications. You may opt out of many third parties that support and send this type of targeting advertising by going to www.aboutads.info, and you may learn more about this type of advertising in Section 7 below, “Advertising and Analytics.” You may opt out of tracking for mobile advertising through the settings on most smartphones, and you may learn more about these settings through those mobile device platforms, i.e., Google (here) and Apple (here). (Please note that these companies may change either the way these settings operate, the content or the availability of these pages.)
6.4 We may occasionally send you push notifications to your mobile device. You can turn off certain push notifications in the account settings of your Vivid Picks mobile app. You can also turn off push notifications specific to our Service in the settings on your iOS device, or through the application manager in your Android device.
6.5 Subject to some important legal limitations, users in Canada can contact us as described below to make additional requests, such as to request access to, correction or deletion of certain personal information we store; to receive a copy of certain personal information they provided to us in portable form or to request that we share it with a third party; to request restrictions on the use of their personal information; to object to our use of their personal information; or to withdraw consent to use their personal information (which will not affect the legality of any processing that happened before the request takes effect).
6.6 For example, Canadian users can contact us to opt out of all processing of their personal information for direct marketing purposes (in addition to the unsubscribe option described here).
6.7 Can reach us as described below with any other concerns, requests or complaints regarding our data collection, data use or data transfer. You also have a right to file a privacy complaint with the relevant privacy regulator, but we respectfully invite you to allow us to try to resolve the matter directly. We will attempt to answer your questions and satisfy your concerns in a timely and complete manner.
7. Advertising and Analytics
7.2 To learn more and to opt out of the collection of data on our website by third parties (including those described above) for interest-based advertising purposes, please visit www.aboutads.info/choices or www.youronlinechoices.com. Note that because this opt out method may be cookie-based, you will need to opt out again if you update or change your browser, or delete your cookies. You can also control interest-based advertising on apps on your mobile device with the AppChoices app, available for iOS and Android. Note that opting out will not affect the quantity of ads you see online but likely will cause the ads to be less relevant to you.
7.3 We also that we also work with third-party analytics companies to collect data on our Service through cookies and other automated means. In some cases, the third parties mentioned in this section may maintain the information they collect in personally identifiable form. These services allow us to view a variety of reports about how visitors interact with the Services so we can improve our website and understand how people find and navigate it.
8. Information Security
8.1 We are committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure.
8.2 Whilst neither we, nor any other organization, can guarantee the security of information processed online, we do have appropriate security measures in place to protect your personal information. For example, we store the personal information you provide on computer systems with limited access that are located in facilities to which access is limited.
8.3 To further protect your privacy and security, we reserve the right to take reasonable steps (such as requesting your password) to verify your identity before granting you profile access or making corrections.
8.4 Additionally, you should ensure your password is kept secret at all times. You will be responsible for maintaining the secrecy of your password and account information.
9. Changes and updates