Terms of Use

1. General

These Terms and Conditions constitutes an agreement (the “Agreement”) between 2talk, LLC Trading as 2talk.com (hereinafter called “the Company”, “2talk.com”, “we”, “our”, “us” and/or words of a correlative or similar meaning, which may include but not be limited to all of its agents, assigns, and/or representatives) and the end-user (hereinafter called “the Customer,” “user,” “you,” “your,” and/or words of a correlative or similar meaning, which, for the purposes of this agreement means the person(s) identified in our account records as the person responsible for payment of all charges or any other person(s) and/or assigns, which represents that person(s)) regarding the provisioning of our retail Voice over Internet Protocol (VoIP) communications services and any related equipment or services (“Service”).

2talk.com is a provider of international telecommunications services. This document provides an in-depth description of our limits, warranties, and acceptable use. In the event of ambiguity between website information and this document, this document, “Terms and Conditions of Service” dictates. By enrolling in or using our service, you acknowledge that you have read and understood this agreement and you agree to the rates, charges, and other terms and conditions in the agreement and for the service that you have chosen and that you are of legal age to enter into such an agreement. If you are not willing to be bound by this agreement or if you are not of legal age, do not enroll in the service.

We may change the Terms and Conditions of this Agreement from time to time without advance notice. Any notice will be posted on our website at www.2talk.com and/or given via e-mail to the e-mail address registered by the Customer with 2talk.com. The Agreement currently posted on the website amends and supersedes previously agreed to electronic and/or written Terms and Conditions of Service.

Any call originated on the 2talk LLC network is subject to inspection and investigation if the call is suspected of being fraudulent, abusive, or illegal. Calls meeting any of these criteria will be blocked. If these conditions are repeated, becoming excessive, the subscriber may be disconnected from 2talk LLC network, may be subject to further investigation by the FCC for enforcement of the TRACED Act and the subscriber may be subject to fines and penalties imposed by the FCC or the jurisdictional court.

2. Service

We provide both domestic and international local and toll-free phone numbers.

Our service is provided on a month-to-month or annual basis or a term that begins on the date that we activate your account (the “Activation Date”) and ends on the day before the same date in the following month/year. The Activation Date will begin on the date that you sign-up for the our service. The Agreement will renew automatically on a monthly/annual basis without further action by you, depending on the package you select at the time you place your order. Subsequent terms of this agreement will automatically renew on a calendar monthly/yearly basis (whichever is applicable) without further action by you unless you arrange to cancel your Service by completing the online service cancellation form. You are purchasing the Service for full monthly or annual terms (whichever applicable), which means that if you cancel your Service prior to the end of the term, you are still responsible for the full term’s charges and any unbilled charges and/or fees to the end of the then-current term, all of which becomes immediately due and payable.

You acknowledge and understand that the Service provided you by us is not a traditional telephone service. Accordingly, the Service is subject to different regulatory treatment, which may differ from the regulatory treatment of traditional telephone services; such difference(s) may limit or otherwise affect your rights before telecom regulating agencies and/or departments and organizations.

We do not guarantee backup data for any voicemail message(s), fax data and/or transmission(s), voicemail greeting(s) or any other data/transmission(s) sent through our systems. It is possible to lose said data, and in such case, said data cannot be recovered; regardless of the circumstances surrounding such a loss, we shall not be held liable for any loss or harm resulting from your use of these optional services.

It is strongly recommended that you test the Services upon initial setup and periodically thereafter to ensure the Services are functioning to your satisfaction. Should you fail to properly test the Services as recommended, you do so at your own risk, and you shall be the sole party responsible for any loss or damages.

The Service(s) provided to you by us stand independent of any third-party carrier(s) and/or other service provider(s) you may be using, or will use, in conjunction with our Service. This agreement applies only to those Services that are owned and managed by us. In no way does this agreement cancel or amend any existing agreement(s) you may already have in place, or will have, with any third-party carrier and/or service provider(s). Your agreement(s) with any and all third-party carrier(s) and/or other service provider(s) are between you and the third-party carrier(s) and/or other service provider(s). Such agreement(s) are NOT applicable to the Services provided to you by 2talk.com. Further, we shall not be held liable for any action(s), or lack thereof, inadequacies and/or failures of any third-party carrier(s) and/or service provider(s) you use in conjunction with the Service. You agree that you are solely responsible for any and all fee(s) due to any and all third-party carrier(s) and/or other service provider(s) you use in conjunction with our Service.

3. Subscriber Access

Upon setting up your account with us, you will be asked to create a password in order to gain access to your account information at the 2talk.com-operated website. You agree to keep all passwords and account information confidential and are solely responsible for any liability or damages resulting from your failure to maintain that security confidentiality and for all activities that occur under your username and password. You must notify us immediately if you believe that your online account with us has been compromised by unauthorized access so that we may assign you a new username and/or password. All username and password resets will be sent only via email.

4. Account Ownership

The owner of a 2talk.com account is the person named as “Primary” contact in our account database. No other person or entity, named or unnamed, shall maintain ownership or rights to the account nor Service(s) provided therein.

You may not transfer ownership of your 2talk.com account, nor the Services provided therein, to any party without the expressed consent of us. However, in its sole discretion, we may assign this Agreement. We will notify you if we assign this Agreement.

In the event of a dispute regarding account ownership, we shall, in our sole discretion, determine the rightful owner.

5. Directory Listing/Publication of Number(s)

We do not publish directories of any of the phone numbers owned and managed by us. Further, we will not assist you in publishing any of the phone number(s), provided you by us, in any directory.

It is possible for your phone number(s) to have been listed in a directory and/or on a website(s) or other publications at the request of the previous subscriber of your phone number(s); this factor is beyond our control and we shall not be held liable for any harm or loss resulting from such. If you receive phone calls from a previous subscriber’s callers, which is not uncommon, you should contact us immediately to cancel that phone number(s) and select a replacement phone number(s). Please note that you will not receive credit(s) for any such calls, so it is in your best interest to contact us immediately to cancel the phone number(s).

We will not reimburse you, in any way, for any cost(s) associated with the publication of your 2talk.com phone number(s). You are solely responsible for any costs, fees, damages and/or losses related to the publication of the phone number(s) we provide you.

6. Collect Call and Operator Services

Our Services do not support collect calls or operator services.

7. Acceptable Use Policy

You agree to use the Service(s) provided you by 2talk.com for legal and legitimate purposes. Unlawful, improper and/or illegitimate use will be defined by us or, any official government police agency, which notifies us of your unlawful use of the Service it provides to you.

Customer (and Customer’s agents) must obey our terms and conditions on all services provided, including but not limited to:

Unlimited Plans

  • Service being abused by the customer will be terminated and charged as per the rates agreed upon.
  • Unlimited calling plans are only meant to be used by single shift agents with no more than three (3) hours per day of talk time, five (5) days a week.
  • No predictive, broadcast or automated dialers are allowed.
  • Calls terminating to destinations outside of the US will incur default rates and will not be included in the unlimited package.
  • Inbound 8xx calls from outside the continental US will incur default rates and will not be included in the unlimited package.
  • Forwarding to US toll-free numbers or any other number will incur regular termination rates.
  • Any incoming calls not terminating to VoIP will incur additional rates.

You are liable for any and all content transmitted through the Service we provide to you. You are solely liable for the content of any and all transmissions sent through our systems as a result of your use of the Service, regardless of whether or not such content is solicited or unsolicited.

You shall not use the Service we provide to you for transmitting obscene, fraudulent, harassing, infringing, libelous, or otherwise unethical content. Further, you shall not use the Service for distributing junk mail, chain letters, “spamming,” telephonic solicitations of any kind or nature, or other such communications or content, regardless of whether or not such content is solicited or unsolicited.

We reserve the right to restrict termination to certain geographical regions and/or certain special services hotlines at its sole discretion. Additionally, we reserve the right to refuse service to certain geographical regions at its sole discretion.

We may immediately cancel your Service and repossess any and all phone number(s) associated with your account if/when your use of the Service(s) provided to you interfere in any way with our ability to provide Service(s) and products to our other customers.

Your use of the Service(s) provided to you by us subjects you to any and all federal, state, and local laws within the fifty states of the Continental United States of America and/or any and all international laws and regulations.

Should your use of the Service(s) we provide to you be deemed of a fraudulent, unethical, or otherwise prohibited nature, by us, we reserve the right to immediately close your account, terminate all Service to it, and repossess and re-assign any and all phone number(s) associated with said account, and deem forfeit any remaining balance on your 2talk.com account. We shall not be held liable for any harm or loss you experience as a result of such actions.

The Services may not be used to support a calling card platform of any kind.

Foreign carriers and/or regulatory agencies may impose, upon the end-to-end international service they provide, limitations, restrictions and/or cease entirely your ability to use the Service we provide you at any time, without prior notice. In such case, you must conform to said limitations, restrictions and/or entire cessation of service by the foreign carriers and/or regulatory agencies

You are not authorized to charge services provided to you to the phone number(s) we assign to you and you may not request that any third-party service provider charge any such services to any number(s) we provide you. Any such activity will constitute just cause for us to immediately cancel your Service and charge your credit/debit card for said charges. We shall not be held liable for any harm, loss or damages arising from such actions.

8. Instant Activation

If you provide a free email address at sign-up (i.e., Yahoo!, Gmail, Hotmail, Live, etc.) your account may not be activated instantly. Additionally, we may require that you submit images of the front and back of the credit/debit card you’ve presented and images of your official identification (if your selected payment method is other than a credit/debit card, an image of your official identification may be required) before your account can be approved. Please allow at least 24 business hours for processing of this information.

You may not begin using the phone number(s) you’ve ordered until such time as your account is approved and activated by us.

9. Registration

When signing up for our Services you agree to furnish a true and accurate representation of your identity, contact information, and billing information; and at subsequent times at our request. If you provide false or misleading information, or if we have reason to believe that you have presented false or misleading information, we reserve the right to cancel your account, any Services related to your account, and refuse any and all of your current and future attempts to establish Service with us.

If you attempt to sign up for an account that is affiliated, in any way, to an account that has been closed by our Legal Department, your request for Service will be denied and you will need to seek services elsewhere.

10. Rates, Fees, Taxes, Calling Plans and Other Charges

Our rates, fees, calling plans and other charges are set forth on our website and are hereby incorporated in this Agreement by reference. They are subject to change without advance Notice. Current rates will be posted on the 2talk.com website.

Further, you agree to pay all applicable taxes, surcharges and other government-imposed fees for use of the Service(s) we provide to you unless you furnish us with proper and officially recognized tax exemption documentation. In the case that you furnish proper and officially recognized tax exemption documentation, said tax exemption will only apply from the date we receive said document, forward. You agree that the filing of all applications and/or forms or statements and reports, with respect to payment of taxes to federal, state and/or local taxing agencies and/or authorities, is your sole responsibility; you hereby release us from any and all responsibility and/or harm and loss with respect to this provision.

If we cannot collect payment from your credit/debit card(s), on the payment due date, regardless of whether or not your Service is suspended by us, your account will be closed within seven (7) days, your phone number(s) repossessed and re-assigned, and a late fee of 1.5%, or the maximum late fee applicable in your jurisdiction, will be assessed to your total outstanding balance. If your payment method is a manual payment, you must remit payment at least four (4) days before the due date; regardless of whether or not your Service is suspended by us. If payment is not received within four (4) days of the due date, your account will be closed within seven (7) days of the 4th day before the due date, your phone number(s) repossessed and re-assigned, and a late fee of 1.5%, or the maximum late fee applicable in your jurisdiction, will be assessed to your total outstanding balance.

Payments made via PayPal that are less than US$30 will be assessed a US$2 handling fee, which will be deducted from the total payment prior to posting to your account. To avoid being assessed the US$2 handling fee you should send funds in increments of US$30 or more.

A US$15 handling fee will be assessed to any wire transfer payment(s) made to us that are less than US$500. There is no fee for wire transfer payment(s) that exceed US$500.

A US$25 handling fee will be assessed to your account and/or other payment method(s) if/when any bank check(s) and/or eCheck and/or money order(s) you provide to us is returned for insufficient funds (or any other reason). Further, we will not accept further check payment(s) or money order(s) from you as a result of a non-sufficient fund (NSF) notification it receives in response to our attempt to deposit said payment(s).

You will be billed for all traffic volume you accumulate per the pricing schedule outlined under the “Pricing” tab on our website, regardless of whether or not such volume was accumulated as a result of solicited or unsolicited calls, calls intended for you or not. All billings for all traffic volume are billed in per-minute increments; further, we will round partial minutes up to the next full minute. Additionally, we will bill fractional usage charges in full cents and will round cents up when the value is $0.005 or more and down when the value is less than $0.005, unless we expressly state otherwise on our website.

Any federal, state, and/or local fees and/or taxes levied against us as a result of your use of the Service will be charged to your account unless you provide proper and recognized tax exemption documentation.

Any chargeback(s) or “inquiry” received by us, with respect to a form of payment being used on your account, is just cause for us to immediately cancel your Service(s). Further, any and all phone number(s) associated with your account will be repossessed and may be re-assigned to another customer. Additionally, a US$35 fee will be assessed to your account per each chargeback/inquiry received. We may refuse to provide Service to you indefinitely as a result of any chargeback/inquiry. Should we approve your request to re-open the account, or any other account, at a later time, you must first satisfy the following requirements:

  1. Pay ALL outstanding fees and other charges associated with the account that was cancelled as a result of the chargeback(s).
  2. Pay a Service Deposit of US$150 in addition to all outstanding fees and other charges associated with the account(s) associated with the chargeback(s) and/or inquiry(s). The Service Deposit will then be applied to the account you wish to open or re-establish.
  3. Complete and return to us an Authorization Form, including all necessary components thereof.
  4. Depending on the severity of the chargeback and/or inquiry, we may decline to accept any credit/debit card payments for your account(s); in such case you must send any and all future payments via either certified money order or wire transfer (this includes payment of the outstanding fees and charges plus the restoration of service deposit).

Should you leave an outstanding balance on your account and later return to re-open the account or establish a new account, We reserve the right to charge the credit/debit card you present to recover the outstanding balance owed on your previous account. Should you leave an outstanding balance and later return to re-open the account or establish new service, and you do not use a credit/debit card to fund the account, We reserve the right to first apply any and all payment(s) to your outstanding balance until it is PAID IN FULL. Additionally, you must complete and return to us a signed Outstanding Balance Recovery Authorization form before we can open your account.

Any and all handling fees, taxes, or any other fee(s) assessed to your account and/or listed in this TOS agreement are completely NON-REFUNDABLE.

Any fee(s) not listed in this agreement are posted on the 2talk.com operated website, under the “Pricing” tab, for your review.

Billing Increments

If the computed charges for taxes and surcharges include a fraction of a cent, the fraction is rounded up to the nearest whole cent. We bill usage charges in full minute increments. We round partial minutes up to the next full minute, unless we state otherwise in the rate schedules on our website.

Calls to International Mobile Telephones

Advertised rates for international calls are generally the rates charged for calls to landline telephones. Some calls to international mobile telephones are charged a different (usually higher) rate than calls to landline telephones. These rates are subject to change and are not subject to our control. We will attempt to publish the most accurate rates.

E911 Emergency Service

You are required to set a Registered Location for your E911 service where the correct Public Safety Answering Point (PSAP)/Local Emergency Operator receives your callback number, registered location, and latitude-longitude coordinates automatically through the 911 network. If you do not provide an address in your 2talk.com account and a call to 911 services call is made, then your account will be assessed a charge of $150 per call. This is NON-REFUNDABLE.

11. Payments and Billing

Our service operates on a pre-pay basis. Payment for service shall be made by credit card on our website. We accept the following credit cards for payment: Visa, MasterCard and American Express. Monthly/annual fees will be paid in advance of service being rendered and you will be required to maintain a positive pre-pay balance to make calls to destinations not covered by your plan.

In addition to the prepaid amount for the service, you must pay for any minutes used over what is provided by your plan. Failure to pay for the additional minutes will result in your account being suspended. If you cancel the service before your plan term ends or if service is terminated for any reason, you will not be reimbursed for the period not used.

If your credit card information is stored at our website, monthly/annual fees may, at your option, be paid by automatic debit two (2) days before the bill cycle (“due date”) and/or when your prepaid balance falls below a customer set level, we will automatically top up your account by charging the funds needed to your stored credit card. If your payment is received over the weekend period, your payment will be applied to your account the following Monday; if your payment is received during a US holiday period, your payment will be applied to your account on the following business day in which we are opened. If you have not completed our email verification process, your payment will be held until such time as you complete the email verification process on our website.

If you credit card information is not stored, you may go to our website and manually top up your account. We accept no responsibility for failure of auto top up or auto debit your account balance.

Your account balance must be positive in order to make calls.

If payment is not received on or by the due date and you do not have sufficient credit allowance, we will suspend your Service until payment has been received and posted to your account.

You agree to notify us of any change in your credit card or other billing information in a timely fashion, such the charges will be not rejected on the credit card on file with us. You may update your billing information by logging into your account at 2talk.com.

You may obtain a monthly billing statement detailing usage for the previous month by accessing your online web account at the beginning of each month.

We reserve the right to suspend or cancel your account and repossess and re-assign any phone number(s) associated with your account, without prior notice, for non-payment or any violation of any provision of this agreement.

You agree that you are solely responsible for ensuring that you maintain an adequate 2talk.com account balance. While we may periodically send you email notifications regarding your account’s status, we are not obligated to do so. Accordingly, in the event that we attempt to notify you of your account’s status and are unsuccessful, you hold us harmless of any harm or loss resulting from the suspension and/or cancellation of your account and/or repossession and re-assignment of your phone number(s) as a result of the same.

We begin billing you for call time when the called party, or a voicemail system, answering machine, facsimile machine, a key press greeting, and/or a PBX/Auto Attendant, answers the call, and ends when one of the parties disconnects the call. It is important to note; however, that some foreign carriers with whom we must interconnect with in order to terminate calls to foreign regions, designate a call as “answered” at the first ring or after a certain number of rings and will thereby charge us for a completed call. In cases such as this, we will charge you as if the call was answered by the called party.

We reserve the right to obtain payment from any and all credit/debit card(s) on file for your account with us, at any time, without further authorization. Further, if payment is not immediately available on said card(s), we reserve the right to continue to attempt to obtain payment until such a time as payment is successful.

If, as a result of our billing system and processes, your bank or financial account becomes overdrawn, you will be the sole party responsible for said fee(s). We will not reimburse you for any such fee(s) nor shall it be liable for any harm or loss you experience as a result of such.

We reserve the right to refuse or reject payments sent to us from “unconfirmed” and/or “unverified” PayPal accounts. If your PayPal payment is accepted by our Accounting Department, your payment will be posted to your 2talk.com account within 24 business hours. Further, all such payments are posted in the order in which they were received.

All monies are payable to us in US currency only. If you send funds in any other currency, we may either reject your payment or convert the payment into US dollars using the exchange rate in effect at that time and assess a 2.5% conversion fee on your payment, which will be deducted from the payment after conversion.

You may not lower your account’s Payment Settings below the minimum monthly/annual fee due for the phone number(s) you subscribe to.

We ask that you please allow at least 24 business hours, from the time we receive your check, money order, PayPal, or wire transfer payment(s), to have the payment(s) applied to your account. If your payment is received over the weekend period, your payment, if it is to be posted, will be applied to your account the following Monday; if your payment is received during a US holiday period, your payment will be applied to your account on the following business day in which we are opened. If you have not completed our email verification process, your payment will be held until such time as you complete the email verification process on our website.

If we find that you are unable to pay for your Service, we reserve the right to require that you fund your account within a specified number of days and that all future payment(s) be made via money order or wire transfer only.

The monthly/annual minimum fee(s) are due each month, regardless of usage. Any unused included plan minutes will expire at the end of each month and will NOT “rollover” for future use.

We reserve the right to dispute any chargeback initiated by you or your bank. Further, you agree that we may furnish any and all information it has on file for your account to the chargeback originating banking or financial Institution in an effort to validate our dispute of the chargeback(s).

You are solely responsible for updating your payment method whenever changes occur such as a change in your billing address, name, credit/debit card number, lost/stolen credit/debit card, and the like.

Our name should appear on your credit/debit card statement(s) as “2talk LLC”.

12. Vanity/Custom Phone Numbers

If you order a vanity/custom phone number(s) (e.g., 1-800-O-CHEAP), we ask that you please allow at least 7-9 business days for processing of your order. If the vanity phone number you have requested is available for purchase, and we secure the phone number(s) for you, we will send you an email notification to that effect.

You should not publish a vanity/custom phone number(s) you order until such time as we have given you written notice that the phone number(s) you have ordered are activated on your 2talk.com account and you have thoroughly tested the phone number(s) to ensure that the functionality of said number(s) suits your needs. If you fail to adhere to this provision, or any other provision of this agreement, you do so at your own risk.

If your Service is cancelled, for any reason, your previously assigned vanity/custom phone number may be re-assigned, immediately, to another subscriber.

13. Number Portability

You agree that we maintain exclusive ownership of the Service(s) we provide to you.

You agree and understand that we are unable to influence the outcome of your request to port a number(s) into its systems. Further, we do not guarantee that your port request will be a success. If your transfer is a success, generally speaking, transfer requests for toll-free phone numbers, porting into our systems, take between 7-9 business days to process – it is important to note that this time frame is largely dependent on the speed with which your current provider responds to our request to port the phone number(s) into our systems. It is not uncommon for a transfer request to take longer than 7-9 business days; however. If your transfer request is unsuccessful, we may notify you of the response we received from your current provider; in such case, you may have the option of resubmitting the request.

You may port a phone number(s) away from us provided your account with us is active, in good standing, all monthly and/or annual dues (including any unbilled charges and/or fees) have been PAID IN FULL, we have received a transfer request from your new carrier requesting to port the phone number(s) away, and the phone number(s) you are requesting to port have each been active on your 2talk.com account for at least 90 days. If your 2talk.com account does not satisfy ALL of the aforementioned criteria, we reserve the right to reject your request to port said phone number(s) away from us and you hereby waive any right to contest the rejection. If the port is successful, we will terminate our Service for that phone number(s); if unsuccessful, for any reason, our Service to the phone number(s) you were attempting to port away from us will not terminate and you will continue to be responsible for paying us all charges and fees for the phone number(s) in question.

You may port a phone number(s) into our systems provided you are the current owner of the phone number(s) you wish to port, you have an active 2talk.com account in good standing, your request to port the phone number(s) has been accepted and approved by the current carrier of said phone number(s), and you have paid the monthly cost(s), upfront, for each of the phone number(s) you wish to port into our system(s).

A successful port request does not constitute the cancellation of your 2talk.com account. If you request to port a phone number(s) away from us and your request is approved and the phone number(s) released, you will remain responsible for any and all phone number(s) and/or Services you still have with us.

If you desire to cancel your Service and use your 2talk.com phone number with your new carrier, it is your responsibility to ensure that the number has successfully transferred or ported prior to cancelling your account with us. Cancellation of your 2talk.com account prior to confirmation from your new provider that the telephone number has successfully transferred may result in an inability for us to transfer your number and the potential loss of your number. Failure to cancel your account with us after successfully transferring to another provider may result in continued monthly charges by us for which you will remain responsible until such time as you cancel your Service with us ENTIRELY.

14. Refund Policy

We will not refund any Service fees or any other amounts you prepay for Service.

If you make a payment to us, and we suspect that you are or have been associated with fraud using our Service, your payment will be deemed forfeit immediately upon receipt. Accordingly, you will not be eligible for a refund of monies paid to us. We shall not be held liable for any harm or loss resulting from such action.

No credit allowance(s)/refund(s) will be issued, whatsoever, for any of the following, including but not limited to: non-usage, interruption of service, hung call(s), misdialed call(s), or any other activity, which increases your call volume and/or account usage.

If you do not agree with a charge(s) to your account and/or credit/debit card, with respect to your account with us, you must notify us in writing both at billing@2talk.com and at the address written below, within thirty (30) days of the disputed transaction, with details substantiating the request. If you fail to notify us, as outlined above, within the time frame specified above, you agree to waive any and all right(s) to contest the transaction(s) in question. In no way does a billing adjustment/refund request constitute just cause for any delay in payment of the full amount due. Should we find that the billing adjustment/refund request is warranted, we will issue a credit to your 2talk.com account within thirty (30) days of said decision.

A. By e-mail to billing@2talk.com, or

B. At the following address:

2talk LLC
Customer Support
4712 Admiralty Way
Suite 113
Marina del Rey CA 90292

15. Cancellation Policy

You may cancel your account with us, via our online service cancellation form at any time, provided all agreed upon monthly and/or annual or other dues and all outstanding fees have been PAID IN FULL. If you cancel your account prior to the end of the monthly or annual term (if applicable), you will still be responsible for the dues for that term and any other unbilled charges and/or fees, to the end of the term; the sum total of this amount is due immediately and will be charged to your payment method. WE DO NOT ISSUE REFUNDS/CREDITS FOR ANY PARTIAL-PERIOD’S SERVICE.

We reserve the right to discontinue furnishing Services to you, cancel your account, and/or block your access to our network and online interface, without incurring liability and without prior notice, if you breach any provision of this agreement in any way or if we deem such action necessary to protect us from fraud or otherwise protect our personnel, facilities or services. Without limitation, we may take any and all of the actions listed within this agreement at our sole discretion. Further, we reserve the right to suspend or discontinue service generally, at any time, without prior notice.

If your account is cancelled, cancellation will take immediate effect. All Service(s) associated with your account will be immediately disabled and may not be available at a later date/time. Any and all phone number(s) associated with your account will be recycled back into our pool of available phone numbers for other customers to purchase. You will not be able to use any of the facilities and/or Services associated with your account after cancellation.

We do not have the ability to schedule cancellations for a future time/date.

Cancellation may be made by completing the online service cancellation form. Account Cancellation is effective immediately our team processes your request.

Your account is not considered cancelled until such time as you have been provided a Cancellation Confirmation Email. If you have not received a Cancellation Confirmation Email you should consider your account active.

You understand that following the cancellation of your service, for any reason, your previously assigned phone number(s) may be re-assigned, immediately, to another customer. Further, you agree that we shall not be liable for any damages (including but not limited to consequential or special damages) arising out of any such re-assignment and you hereby waive any claims with respect to such re-assignment, whether based on contractual, tort or other grounds, even if we have been advised of the possibility of damages.

16. Our Rights to Limit or Terminate Service or this Agreement

We can, without prior notice, limit or terminate the Service(s) we provide to you for this or any other good cause, including but not limited to: (I) if you or any user of your 2talk.com account: (a) breach this agreement in any way; (b) provide false or misleading information about your identity; (c) use our service in any way that disrupts our ability to provide Services to our existing customers; (d) use our service in any way that adversely affects our relationship with our vendors and/or our ability to offer Services to our future customers; (e) provide false or misleading credit and/or financial information to us; (f) become insolvent or go bankrupt; (g) are involved, either directly or indirectly, in any official police investigation we receive notification of; (h) constantly express your dissatisfaction with our Service and hinder, in any way, our ability to remedy any issues you may have with your Service (which may include, but is not limited to: constant phone calls and/or emails to us about the issues you have reported); (i) steal from us; j) interfere with our operations and/or network quality in any way; (k) refuse to pay when billed for service; (l) refuse to furnish information requested by us or present false or misleading information which is essential for billing purposes or for establishing your creditworthiness; (m) act in a manner that is threatening, harassing, obscene, or otherwise inappropriate and/or abusive towards our representatives; (n) use our services in a fraudulent manner with the intent to deceive; (o) have been given written notice of an outstanding balance owed to us yet your balance remains unpaid for twenty-nine (29) days; (p) were previously served with notice of your breach of this agreement, were allowed to and took corrective action, but thereafter engaged in the same breach activity or a new breach of this agreement; (q) act in a manner that hinders or frustrates any investigation by us or others having legal authority to investigate our legal obligations.

If you file for bankruptcy, our rights to limit and/or terminate your Service and/or this agreement shall be governed by bankruptcy law.

We may limit or terminate your Service as a result of any new governmental regulations and policies, whether domestic or international, which it must adhere to.

17. Loss of Service Due to Power Failure or Loss of Network Connection

The Service will not function without power or a broadband connection to the Internet. Should there be an interruption in the power supply or broadband Internet service, the Service will not function until power and your broadband Internet service is restored. A power failure or disruption may require you to reset or reconfigure equipment before using the Service. As indicated above, power failures and network disruptions will also prevent dialing to obtain emergency service and emergency numbers such as 911. You are responsible for maintaining electrical power and a broadband Internet connection to support the Service.

Further, you acknowledge that we are a VoIP service and that you must have a functioning high-speed internet service broadband or DSL, required for your Service to operate. You are responsible for subscribing to and paying for your high-speed Internet access in order to use our Service. The quality and reliability of your 2talk.com service is highly dependent on the data speed, quality and reliability of your high-speed Internet connection. It is your responsibility to report and resolve any quality and connectivity issues related to your high-speed Internet connection with your Internet service provider.

18. Warranty Disclaimer

2talk LLC will make all reasonable efforts, under the circumstances, to maintain its overall network quality. We make no warranties about the service provided hereunder, expressed or implied, including but not limited to any warranty of merchantability, completeness, quality, or fitness for a particular purpose, title or non-infringement, or any warranty arising by usage of trade, course of dealing, or course of performance. Accordingly, all services offered by 2talk.com are provided on an “as is” and “as available” basis. No credit allowances are provided for interruption of service of any kind. In no event shall we be held liable to you nor any third party for any indirect, special, incidental, consequential, actual, punitive, or exemplary damages, including, without limitation to, damages for loss of revenue, loss of profits, or loss of your client(s) goodwill, arising in any manner from this agreement and or the performance or non-performance hereunder. Neither party shall be held liable for any delay or failure in performance of any party of this agreement, other than for any delay or failure in an obligation to pay money, to the extent such delay or failure is caused by fire, flood, explosion, accident, war strike, embargo, governmental requirement, civil or military authority, act of god, inability to secure materials or labor, or any other causes beyond their reasonable control. Any such delay or failure shall suspend this agreement until the force majeure ceases and the term shall be extended by the length of the suspension. This agreement supersedes any and all present and future agreements made between you and us with respect to quality, up-time, reliability, and general performance. We do not warranty the reliability, up-time, quality, and general performance of the service it provides to you. Further, we make no warranty that the service(s) it provides to you will be uninterrupted.

19. Proprietary

We maintain exclusive ownership of the service interest and title, including but not limited to all of its trademarks, copyrights and other intellectual property. Additionally, we maintain sole and exclusive ownership of the all telephone numbers managed by our systems, voicemail services offered through our services and all technologies and software we create. Any and all rights not expressly stated herein are retained by us.

We reserve the right not to disclose our carrier/supplier information to you.

20. Notices and Communications

Notices are given by us via email, by a general posting on the 2talk.com website and/or via telephone. We reserve the right to determine which method of communication it employs to communicate with you.

We will make all reasonable efforts to deliver email notifications to you regarding the status of your account. It is beyond our control if you do not receive the communications we attempt to deliver to your email address. We shall not be liable for any harm or loss resulting from the suspension, repossession and/or re-assignment of your assigned phone number(s) and/or cancellation of your account because you did not receive our email communications. Further, we may change or cease entirely all notifications at any time without prior notice.

You agree to waive your rights under these Terms of Service to receive ten (10) days advance notice of the amount that we will debit from your credit/debit card(s) on file for your 2talk.com account. While we may send you email notices from time to time regarding the billing matters of your account, we are not obligated to do so. We may change or cease entirely our notifications at any time without prior notice.

When contacting us via email, voicemail, fax and/or postal mail, we ask that you allow at least 24 business hours, from the time we receive your inquiry, to receive a response from us. Occasionally, response times may be greater, depending on the volume of communications we receive from our other customers. All communications we receive are handled in the order in which they were received. If you do not receive a response within 24 business hours, we strongly recommend that you contact us by phone (during our normal business hours) to have your concerns addressed; if you fail to make such contact, in such case, you do so at your own risk and your matter will remain in the queue until it is handled by our support staff.

When communicating with us via phone you may be asked to verify your account number, the name on file for your account, and the full billing address you provided; if you are unable to verify this very basic information our support staff will be unable to assist you. We ask that you please call back when you have this information available.

21. Privacy

In cooperation with any official investigation, we may disclose any and all of the information we maintain on record for your account, to any police agency, legal entity, and/or any other third party, which issues us a subpoena(s), search warrant(s), court order(s), or any other official demand(s) for information we maintain on record for your account. In the event that we receive a subpoena(s), search warrant(s), court order(s), and/or any other official demand(s) for information we maintain on record for your account, we reserve the right to immediately cancel your Service, repossess and re-assign any phone number(s) associated with your account and block your access to our website. We shall not be held liable for any harm or loss arising from such.

We may monitor your use of the Service we provide you for violations of this Agreement. We may take all necessary actions, we deem fit, if we suspect a breach of this agreement or if think it necessary to protect us from imminent harm or loss.

During the term of this Agreement, you grant us a license to use your name and logo, if applicable, in our promotional material to advertise that you are a customer of ours. We agree that we shall not share, sell, trade, barter, or offer for free the use of your name, logo, and affiliate data to any other individual, corporation, or entity that is not owned in whole or in part by us.

In an effort to protect our subscribers from credit/debit card fraud, we actively analyze all new accounts and existing accounts to identify and block individuals suspected of fraud from using our Service now and in the future. We may share this data (including, but not limited to, IP addresses, email addresses, the credit/debit card number(s) used, etc.) with third-party payment processors and/or Law Enforcement agencies in an effort to reduce fraud.

22. Binding Agreement

This is a binding agreement. All parties named herein agree to be bound by the terms of this agreement for the life of this agreement.

You may not transfer your rights and/or obligations under this agreement without the expressed prior written consent of us. Any attempt to assign this Agreement by you is void.

23. Heading of No Force or Effect

The headings throughout this agreement are intended for reference only and have no effect or bearing on the meaning of any provision listed herein.

24. Indemnification

You shall defend, indemnify, and hold harmless us, our officers, directors, employees, and agents from any breach of this Agreement, use of your account or in connection with the placement or transmission of any message, information, software or other content using the Services. We shall be defended by attorneys of our choice at your expense.

25. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the state of California, without giving effect to its conflict of laws principles and rules.

26. No Waiver of Rights

If either party fails to enforce any right or remedy under this Agreement, that does not waive the right or remedy for any other breach or failure.

27. Severability

Should any parts of this agreement be legally declared invalid or unenforceable, all other parts of this agreement will remain valid and enforceable. In such a case, said invalidity or non-enforceability will not invalidate or render unenforceable any other portion of this agreement.

28. Litigation and Attorneys Fees

In the event you fail to pay for the Services or otherwise breaches the Agreement and we take action to enforce the Agreement or recover damages or monies due as result of the breach, we are entitled to recover the costs of enforcement and/or collection and reasonable attorneys’ fees from you. You consent to the jurisdiction of the state or federal courts of California as the venue for any legal action and waives all defenses of lack of personal jurisdiction and forum non conveniens.

29. Additional Provisions

Should a problem/issue arise with the Service you must notify us immediately so that we may remedy, to the best of our ability, the problem/issue you are having with the Service; if we are unable to remedy the problem you are having with the Service you will be offered a replacement phone number(s), at an equal or greater monthly cost. If you opt not to take the replacement phone number(s), you may continue to use the problematic Service at your own risk.

You are responsible for reviewing the TOS available on our website for any amendments to this agreement and/or our rates and/or other amendments to our Service. Your continued use of the Service, after our posting of any amended version of its TOS, rates, and/or modifications to its Service, constitutes your acceptance and agreement with any and all amendments made, and such modifications/amendments supersede any previous agreements between you and us.

As we are a US-based company, we observe all US national holidays. During such times, our offices will be closed; our regular business hours will resume following the holiday period. If you have in inquiry during a period in which our offices are closed, please send us an email at billing@2talk.com or call us on the next business day following the holiday period.

Should you violate any term(s) of this agreement, we reserve the right to immediately cancel all Service(s) it provides to you.

You promise that you are of legal age to enter into this agreement and that you fully understand and fully agree with all of its terms and conditions.

By using 2talk services, you agree that any dispute between you and 2talk will be resolved solely between you and 2talk on an individual basis. You agree that you will not consolidate claims or participate in any class action, collective action, private attorney general action, or other representative proceeding against 2talk or any of its employees or affiliates.

ALL content on this site is copyright protected and may not be reproduced, adopted, or transmitted without our prior written consent.

This constitutes the entire Terms of Service agreement between the parties named herein and this agreement may only be amended by us.

Taxes, Fees & Surcharges

In addition to the service charges billed for 2talk’s Services, surcharges, taxes, fees and other charges may be applied to your monthly invoice and any monetary additions to your Prepaid Balance, based on the type of service you have, your geographical location and customer-entered 9-digit zip code, among other factors. Examples include, but are not limited to:

1. Federal Communications Program Fees

Federal Universal Service Fund (FUSF)

The Telecommunications Act of 1996 requires that 2talk’s contribute to the Federal Universal Service Fund (“FUSF”) based on revenue derived from certain Services. The FUSF helps make phone service affordable and available to all Americans, including consumers with low incomes; those living in areas where the cost of providing telephone service is high; public schools and libraries; and rural health care providers. The FCC delegates the administration of the FUSF to the Universal Service Administrative Company (“USAC”). Each quarter, USAC announces, and the FCC approves, a “contribution factor.”  The contribution factor is a percentage of the total interstate/international end-user revenue that the carrier is responsible for contributing to the FUSF in order to sustain the FUSF System. As permitted by FCC regulations, 2talk has opted to bill FUSF as a separate line item to end-user customers. Consistent with such regulations, the Company only bills FUSF line item charges in an amount equal to the quarterly contribution factor currently in effect. This is a permissible pass-through fee but is not a tax or charge mandated by the government.

Please visit USAC’s Website for more information on the FCC’s Universal Service Fund.

Regulatory Recovery Fee (RRF)

A charge entitled “Regulatory Recovery Fee” will apply to all invoiced and prepaid amounts collected by 2talk. It is up to $1.50 per line and may include costs incurred in prior years that are not yet fully recovered. It is not a tax or charge which the government requires 2talk to collect from its customers. This charge is subject to change from time to time as the cost of compliance changes. This charge is being imposed to recover costs associated with compliance with the Company’s legal, regulatory, tax, intellectual property and other compliance-related expenses, including, but not limited to the following:

  • Costs related to ensuring customer privacy protection;
  • Costs related to ensuring anti-fraud protection;
  • Contributions and/or charges associated with telecommunications services for the sight and hearing impaired, local number portability, North American Numbering Plan administration, and administrative costs;
  • Fees and expenditures related to compliance with Federal regulatory programs and annual FCC regulatory fee obligations; and
  • State and local tax and regulatory compliance obligations.

This is a permissible pass-through fee but is not a tax or charge mandated by the government. For more information on the various FCC programs supported by the CRF, please see below.

Federal Telecommunications Relay Services (TRS) Fund

The Telecommunications Relay Services (“TRS”) Fund was established by the FCC in 1993 to reimburse TRS providers for the cost of providing interstate TRS services. TRS services are telephone transmission services that provide hearing or speech challenged individuals with the ability to use a traditional telephone.

Under the FCC’s rules, 2talk must contribute a percentage of its interstate and international end-user telecommunications services and Interconnected and Non-Interconnected VoIP revenues to the TRS Fund. And, 2talk may collect these fees from customers. The contribution percentage varies annually.

Local Number Portability Administration (LNPA)

Local Number Portability (“LNP”) is a customer’s ability to keep existing phone numbers when switching to another service provider. 2talk must provide LNP, as well as contribute to the FCC’s LNPA program, designed to diffuse the costs of administering LNP. 2talk pays a proportionate share of the LNP costs in each region in which it operates and has customers. This fee varies frequently by region.

North American Numbering Program Administration (NANPA)

The North American Numbering Plan (“NANP”) is an integrated telephone numbering plan for the Public Switched Telephone Network (“PSTN”) serving multiple countries including the United States and its territories. It is administered by the North American Numbering Plan Administration (“NANPA”).

Under the FCC’s rules, 2talk must contribute to the costs of numbering administration. Contributions are based on a percentage of 2talk’s revenues from customers using international, intrastate and interstate services. The percentage varies annually.

Annual Regulatory Fee

2talk, as an interstate service provider, must pay an annual regulatory fee to the FCC. This fee varies annually.

2. State and Local Taxes

States, counties, cities, and special taxing districts may assess various taxes on 2talk’s Services and/or phone sales. These may include specific taxes on communications services, sales, use and excise taxes, gross receipts taxes, property taxes and others. 2talk collects applicable taxes from customers and remits them to the taxing authorities.

3. State and Local E911/911 Fees

Some states and localities require 2talk to collect a fee to help support state and local Enhanced 911 (E-911) Funds. These funds support state and local 911 services. These fees vary by state and locality. 2talk collects these fees from customers and remits them to the various fund administrators.

4. State and Local Regulatory Fees

State USF

2talk may also be required to contribute to State Universal Service Funds. The funds may be used to assist in providing universal service and to support a variety of other programs at the state level. 2talk collects applicable charges from customers. These charges are permissible pass-through fees but are not taxes or charges mandated by the government.

State Telecommunications Relay Services (TRS) Funds

Some states also require contributions to state Telecommunications Relay Services (“TRS”) funds to offset the cost of providing local transmission services that provide hearing or speech challenged individuals with the ability to use a traditional telephone. Many states require 2talk to collect this fee and remit it to the governing authority. 2talk collects applicable fees from customers and remits them to the relevant authorities.

Acceptable Use Policy

The purpose of our Acceptable Use Policy is to ensure that all our customers:

  • can access our services; and
  • do not use our services in a manner that we consider ‘unreasonable’ or ‘unacceptable’.

In addition, the Acceptable Use Policy sets out your responsibilities when you use our service. It also confirms steps we may take to ensure and monitor compliance with this policy as well as setting out our responsibilities to comply with directions from regulatory and other law enforcement bodies.

It also explains how we provide certain services to you, as well as what steps we take to manage our network in times of congestion.

The Acceptable Use Policy applies to all our services.

General

As a business customer, including a small to medium business customer, our services are for your use in the ordinary course of business.

You may not use the service in a manner which is ‘unreasonable’ or ‘unacceptable’.

Unreasonable Use

We consider your use of the service unreasonable if you use it in a manner which is other than it was intended for.

Here are some examples of uses which we consider ‘unreasonable’. This is not intended to be an exhaustive list:

  • as a business customer, including a small to medium business customer,
  • using the service in way which could not be reasonably regarded as ordinary business use.
  • using the service for fraudulent purposes.
  • abnormal or excessive use of back to base services.
  • using the service in connection with a device that switches or re-routes calls to or from our network to another carrier’s network.
  • wholesaling any service or using the service in connection with any device that switches or reroutes calls potentially keeping a line open for hours.
  • using the service to wholesale supply of any service (including transit, refile or aggregate domestic or international traffic) on our network.
  • Calling 18xx numbers to make indirect calls through other providers (eg. through a calling card).
    using the service for the purposes of arbitrage.
  • using the service in connection with a device that automatically dials numbers either from a list or are generated randomly.
  • using the service to make or receive calls on our network for the purposes of resale, resupply or commercial exploitation; or
  • using the service for continuously call forwarding or multiple simultaneous calling.
  • using the service for anything which isn’t standard person to person communication.

Unacceptable Use

You may not use our services in any manner which improperly interferes with another person’s use of our services or for illegal or unlawful purposes. You may not use any equipment or devices on our network which have not been approved by us. We consider the use of our services or unauthorised equipment in this way to be unacceptable.

Here are some examples of uses which we consider ‘unacceptable’. This is not intended to be an exhaustive list:

  • if you provide us with false user information to use the service.
  • using any equipment or device on our network which has not been authorised by us.
  • using the service to make unsolicited or unwanted commercial calls to individuals or businesses.
  • using the service to gain improper access to another person’s private or personal information.
  • using the service to distribute or make available indecent, obscene, offensive, pornographic, illegal or confidential material.
  • using the service to defame, harass or abuse anyone or violate their privacy.
  • contravening any applicable laws when you use the service.
  • using the service to communicate with emergency service organisations where an emergency situation does not exist.
  • using the service to distribute or make available material that is misleading or deceptive as to your identity.
  • infringing any person’s intellectual property rights, including copyright, when you use the service.
  • using the service in a way which interferes or disrupts the service, any computer system access through it or any other person’s use of it.

Excessive Use

2talk reserves the right at any time to review communication traffic patterns and volumes to identify, among other things:

  • relative proportion of in-state, out-of-state, or international calling destinations.
  • excessive calls to the same destination telephone number, indicative of an automated call-forwarding device or of chat line or conference bridge usage.
  • excessive inbound calls.
  • excessive calls made during business hours.
  • excessive short-duration outbound calls made during business hours.
  • excessively long calls to any single number
  • excessive calls made during a month.
  • calls made to numerically consecutive numbers, indicative of auto-dialing or “robo-calling.
  • a high volume of calls terminated and re-initiated consecutively, which in the aggregate result in excessive call lengths during a specific time frame.
  • excessive inbound text messages.
  • excessive outbound text messages.
  • other unusual or atypical calling or usage patterns indicative of an attempt to evade 2talk’s enforcement of this Policy.

Monitoring Compliance

We are under no obligation to monitor your calling. However, we may from time-to-time monitor transmissions to protect our network, our other customers and the general public as well as to ensure you are complying with the terms of this policy. We may need to disclose any findings as required to regulatory authorities.

We take active steps to minimise the amount of unreasonable use of our network, which may include:

  • Restricting your ability to make and receive calls.
  • Limiting your access to the service.
  • Requiring you to rectify any misconfigured mail and/or proxy servers.

We may provide your username, IP address or identifying material to law enforcement authorities when required to do so.

Breach of the Acceptable Use Policy

If you breach any part of this Acceptable Use Policy we will, generally speaking, contact you and, if appropriate, ask you to modify your use of the service and assess all necessary charges to your account immediately. If you do not modify your use of the service we may suspend or cancel your service without notice to you.

However, in certain circumstances such as illegality, or non-ordinary use, we reserve the right to suspend or cancel your service immediately and without notice to you.

Upon cancellation of an account, we are authorised to delete any files, data or information associated with the account.

Pre-Pay Service

Once you sign up for a 2talk account, all services that you purchase are to be pre-paid in advance. This includes calling, system extras and add-ons, equipment purchases and number porting. You will need to ensure that your account is always in credit to ensure there is no disruption to your calling service.

2talk is a prepay service just like many other cloud services and subscriptions available today.

Taxes, Fees and Surcharges are assessed to your account at the time of payment and these will be reported in your monthly statement.

1. Definitions

In this E-Sign Consent, the following definitions apply: “I” and “me” mean the person who is applying to establish a 2talk Account. “You” means 2talk and any person, company, bank or financial institution that is an assignee of 2talk’s rights.

2. Consumer Consent

By checking the “I agree to have the Terms of Use presented electronically,” which I hereby adopt as my electronic signature, I affirmatively consent and agree that: You can provide all disclosures required by law and other information about my legal rights and duties to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. You can send all communications, billing statements and disclosures, including, but not limited to, this 2talk E-Sign Consent, the 2talk Privacy Policy, 2talk Service Schedules and all tax statements and documents (collectively defined as “Disclosures”) to me electronically (1) via email, (2) by access to a web site that you designate in an e-mail notice you send to me at the time the information is available, or (3) to the extent permissible by law, by access to a web site that you generally designate in advance for such purpose.

3. What I Will Need

I understand that in order to access and retain the electronic Disclosures I will need the following:
  • A computer with an Internet connection.
  • A current web browser that includes 128-bit encryption.
  • Minimum recommended browser standards are Microsoft Internet Explorer version 8.0 and above (see www.microsoft.com/ie for current version), Mozilla Firefox current version (see www.mozilla.com for current version), Apple Safari current version (see www.apple.com/safari for current version), or Opera current version (see www.opera.com for current version). The browser must have cookies enabled.
  • A valid email address.
  • Sufficient storage space to save past Disclosures and/or an installed printer to print them.
  • If I use a spam filter that blocks or re-routes emails from senders not listed in my email address book, I must add noreply@2talk.com and the @2talk.com domain to my email address book.

4. Requesting Paper Documents and Withdrawing Consent

I understand that I may request paper copies of the Disclosures within 180 days of the date of the Disclosure and that you will provide them to me by mail at no charge. I understand that I have the right to receive these Disclosures in paper form. I can request paper copies and/or withdraw consent by contacting you at:
2talk LLC (Doing business as “2talk”, “2vFax” and “FaxBoss”)
Customer Support — Legal
318 Avenue I, #225
Redondo Beach, CA 90277
Any withdrawal of my consent to receive electronic Disclosures will be effective only after you have a reasonable period of time to process my withdrawal. I understand and agree that if I withdraw my consent to receive electronic Disclosures you may – though you are not obligated to – cancel my 2talk Account.

5. Updating Email Address

I can change my email address by signing into my 2talk Account at any time. I can also do this by contacting you at:
2talk LLC (Doing business as “2talk”, “2vFax” and “FaxBoss”)
Customer Support — Legal
318 Avenue I, #225
Redondo Beach, CA 90277

6. Legal Effect

By consenting, I agree that electronic Disclosures have the same meaning and effect as if you provided paper Disclosures to me. When you send me an email or other electronic notification alerting me that the Disclosure is available electronically and you do in fact make it available online, that shall have the same meaning and effect as if you provided a paper Disclosure to me, whether or not I choose to view the Disclosure, unless I had previously withdrawn my consent to receive Disclosures electronically. I understand and agree that Disclosures are considered received by me within 24 hours of the time posted to your website, or within 24 hours of the time emailed to me unless you receive notice that the email was not delivered.

7. General

I understand and agree that you reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time. I understand and agree that you are responsible for sending notice of the Disclosures to me electronically including at the email address I have provided, but are not responsible for any delay or failure in my receipt of the email notices.