Terms of Service (LAST UPDATED SEPTEMBER 14, 2022)
These TOS (“TOS”) govern your use of this Website. By accessing this Website, you are acknowledging and accepting these TOS. These TOS are subject to change by WORKSHOPS FOR RETIREMENT INC. (“WFR”) at any time and at our discretion without notice. Your use of this Website after any changes are implemented constitutes your acceptance of the changes. As a result, we encourage you to consult the TOS each time you use this Website. The date of the latest update or revision of these TOS will be posted at the top of this Website located at: https://www.workshopsforretirement.com and any of its related pages (“Website”). It is your responsibility to review these TOS upon each update. Your continued use of this Website is deemed to be assent to and acceptance of the updated TOS. If you do not agree to the updated TOS as posted you should cease your use of this Website immediately.
INTELLECTUAL PROPERTY You acknowledge and agree that all content and materials available on this site are protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by WFR, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from such materials or content. As noted above, reproduction, copying, or redistribution for commercial purposes of any materials or design elements on this site is strictly prohibited without the express written permission of WFR. For information on requesting such permission, please contact us at firstname.lastname@example.org
THIRD PARTY REFERENCES / HYPERLINKS This site may link you to other sites on the internet. These sites may contain information or material that some people may find inappropriate or offensive. These other sites are not under the control of WFR, and you acknowledge that WFR is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the content of such sites. The inclusion of such a link does not imply endorsement of the site by or any association with its operators.
YOUR CONDUCT AND COPYRIGHT INFRINGMENT We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement where appropriate. If you believe any materials accessible on or from the Website infringe your copyright, you may request removal of those materials (or access thereto) from the Website by submitting written notification to our Copyright Agent. In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512)(“DMCA”), the written notice (“DMCA Notice”) must include substantially the following: 1. Your physical or electronic signature. 2. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Website, a representative list of such works. 3. Identification of the material you believe to be infringing, in a sufficiently precise manner to allow us to locate that material. 4. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address). 5. A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law. 6. A statement that the information in the written notice is accurate. 7. A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner. Our designated Copyright Agent to receive DMCA Notices can be contacted as follows: email@example.com Place “Copyright Agent” in the subject line of your email.
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be reviewed or received, and no resulting action may be taken. Please be aware that if you knowingly misrepresent that material or activity on the Website is infringing your copyright, you may be held liable for damages (including costs and legal fees). COUNTER-NOTIFICATION PROCEDURES. If you believe that material you posted on the Website was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (“Counter-Notice”) by submitting written notification to our Copyright Agent (identified above). The Counter-Notice must include substantially the following: 1. Your physical or electronic signature. 2. An identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access disabled. 3. Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address). 4. A statement under penalty of perjury by you that you have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled. 5. A statement that you will consent to local Federal District Court jurisdiction, or if overseas, to an appropriate judicial body. The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
CUSTOMER DISCLAIMERS WFR is not acting as a financial or legal advisor and makes no guarantee that you will achieve any particular result from participating in any of WFR’s programs, attending any seminars, or from using any of the information on this site. You are solely responsible for the actions you take with respect to your own financial decisions and WFR make no representations regarding any benefits, profits, revenues or financial gains. All financial professionals we list are unaffiliated third-parties and are responsible for their own disclosures, statements, representations, and expertise. WFR does not control or mandate any form of communications or disclosures from such third-party professionals. Please see our complete disclaimers for details.
USER WARRANTIES AND REPRESENTATIONS You warrant and represent that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these TOS, and to abide by and comply with these TOS. You warrant and represent that you will abide by any rules or regulations that WFR publishes with respect to conduct of users of the Website, which rules and regulations are hereby incorporated into these TOS by this reference. WFR reserves the right to deny anyone access to any part of or the entire Website if, in WFR’s sole discretion, any user has failed to abide by these TOS or any other agreement with the WFR, or appears likely to do so. • User accepts that WFR in its sole discretion may, but has no obligation to, monitor all services or any portion thereof, and/or to oversee compliance with these TOS. • User represents, warrants and agrees that: - Access privileges may not be transferred, assigned, sold, or given to any third-parties; - User will not access, store, distribute or transmit any Viruses; - User will comply with all applicable laws and regulations with respect to use of the Website; - User will not rent, lease, sublicense, sell, re-sell, distribute, transfer, copy, claim or modify the Website or any component thereof; - User will not translate, decompile, or create or attempt to create, by reverse engineering or otherwise, the source code from the object code made available hereunder; - User will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store or transmit the Website or any portion thereof; - User will not delete or alter any copyright, trademark or other property rights notices from the Website; - User is solely responsible for acquiring the hardware, software, and network connections necessary to access and use the Website; - User will not use the Website in any manner, or in connection with any content, data, hardware, software or other materials that infringe upon or violate any patent, copyright, trade secret, trademark, or other intellectual property right of any third party, or that constitute defamation, libel, invasion of privacy, or violation of any right of publicity or other third party right, or that is threatening, harassing or malicious.
CONTACTING US If you need to contact us, you can submit a support ticket at https://www.workshopsforretirement.com/contact-us-page, email us at firstname.lastname@example.org Our mailing address is: Workshops for Retirement, Inc 3010 LBJ Freeway, Ste 1259, Dallas, TX 75234 United States
ACCESSING THE WEBSITE You are responsible for making all arrangements necessary for you to have access to the Website. WFR reserves the right to withdraw or amend the Website, and any service or material that we provide on the Website, in our sole discretion and without notice to you. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.
DISCLAIMER OF WARRANTIES ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THIS SITE (THE “CONTENT”) ARE PROVIDED “AS IS” AND “AS AVAILABLE” FOR YOUR USE. THE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. WFR AND ITS AGENTS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT; THAT THIS SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THESE EXCLUSIONS MAY NOT APPLY TO YOU.
LIMITATION OF LIABILITY UNDER NO CIRCUMSTANCES SHALL WFR OR ITS AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, EVEN IF WFR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, WFR’S LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE FOREGOING, SUBSCRIBER’S EXCLUSIVE REMEDY AND COMPANY’S ENTIRE LIABILITY, IF ANY, FOR ANY CLAIMS ARISING OUT OF THESE TERMS OF SERVICE, SHALL BE LIMITED TO THE GREATER OF (I) THE AMOUNT PAID BY SUBSCRIBER TO WFR DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE DATE ON WHICH THE CLAIM OR ACTION AROSE OR (II) TWO HUNDRED DOLLARS ($200), REGARDLESS OF WHETHER THE CLAIM OR ACTION IS BASED ON CONTRACT, TORT, WARRANTY, INDEMNIFICATION OR OTHERWISE. THE EXISTENCE OF MULTIPLE CLAIMS WILL NOT ENLARGE THIS LIMIT. YOU SHALL BE RESPONSIBLE FOR ALL CLAIMS AND DAMAGES FROM THIRD PARTIES RESULTING FROM THE MISUSE OF THE SERVICES BY SUBSCRIBER. When using the Website, information will be transmitted over a medium that may be beyond the control and jurisdiction of the Company. Accordingly, the Company assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Website.
CONFIDENTIALITY You agree to maintain the confidentiality of WFR’s confidential information. For the purposes of these TOS, the term “Confidential Information” means all portions of the Website, and includes all other information reasonably expected by WFR to be kept confidential such as client/customer lists, fees, marketing data, software code, and similar items.
MOBILE ANALYTICS WFR may use mobile analytics software to allow it to better understand the functionality of its mobile software on your phone. This software may record information such as how often you use the Website, the events that occur on the mobile Website, aggregated usage, performance data, and where the Website was accessed.
INDEMNIFICATION Upon a request by WFR, you agree to defend, indemnify, and hold WFR and its other affiliated companies harmless, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney’s fees, that arise from your misuse of this Website.
SEVERABILITY AND INTEGRATION Unless otherwise specified herein, this agreement constitutes the entire agreement between you and WFR with respect to this site and supersedes all prior or contemporaneous communications between you and WFR with respect to this site. If any part of these TOS is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible, the original intentions of the parties, and the remaining portions shall remain in full force and effect.
JURISDICTION These TOS shall be governed by and construed in accordance with the laws of the State of Texas.
ARBITRATION MANDATORY Prior to commencing any litigation, any controversy or claim arising out of or relating to these terms and condition, or the breach thereof, shall first be settled by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Each party shall bear its own costs of such arbitration and the arbitration process will occur by virtual video conference, with a single mutually selected arbitrator. The arbitrator shall use these TOS and any other agreements then in effect between you and WFR to render his/her decision, and may award the victorious party all reasonably incurred legal fees and other costs with respect to the entire process of arbitrating such dispute.
SURVIVAL All provisions relating to proprietary rights, payment of fees, confidentiality, disclaimer of warranty, indemnification, and limitation of liability, shall indefinitely survive the expiration or earlier termination of your use of the Website.
FORCE MAJEURE Company will not be liable or responsible for any failure to perform, or delay in performance of, any of its obligations that is caused by events outside its reasonable control (“Force Majeure Event”). A Force Majeure Event includes any act, event, non-happening, omission or accident beyond Company’s reasonable control including, but not limited to, restrictions of law, regulations, orders, or other governmental directives, labor disputes, acts of God, third party mechanical or other equipment breakdowns, terrorist attacks, fire, explosions, disease, plagues, pandemic, outbreak of illness, fiber optic cable cuts, interruption or failure of telecommunications or digital transmission links, internet failures or delays, data breaches, storms or other similar events.
CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) Accounts made available through this Website are available only to persons of legal age to form a binding contract and who are not persons barred from receiving services under the laws of the United States or other applicable jurisdictions. By registering, you represent that you are a person of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdictions and are accepting these Terms of Service on behalf of yourself. You may not transfer or share your account with anyone. You are liable for all activities conducted through the account.
THIRD PARTY ACTIONS We do not control and are not liable for the actions of any third parties who we may promote. We pride ourselves in working with quality companies and persons but have no control over the actions of those third parties. While we are not liable for any of the actions of those third parties, you should feel free to give us feedback from time to time on your experiences with any third parties to whom we work with so that we may enhance our future service to all customers.
GEOGRAPHIC AND OTHER RESTRICTIONS All content, services, functionality, and/or features (collectively, “Service Functionality”), that may be available on or through Website is subject to United States Export Controls. No Service Functionality from the Website may be utilized by a resident of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country which the United States has embargoed goods; or (b) anyone on the United States Treasury Department's list of Specially Designated Nationals or the United States Commerce Department's Table of Deny Orders. By using any Service Functionality, Subscriber represents and warrants that it is not located in, under the control of, or a national or resident of any such country or on any such list.
CHILDREN’S PRIVACY We do not knowingly intend to collect personally identifiable information from children under 18 years of age. IP ADDRESSES We may use your IP address to help prevent fraud, to help diagnose problems with our server, to gather broad demographic information, and to offer you products and services.
NO THIRD-PARTY BENEFICIARIES No person or entity not a party to these Terms of Service will be deemed to be a third-party beneficiary of these TOS or any provision hereof.
COMMITMENT TO DATA SECURITY All information collected from you is stored in a technically and physically secure environment. Furthermore, employees, contractors, and vendors who have access to your personally identifiable information in connection with providing services for us are required to keep the information confidential. We use SSL encryption to protect sensitive information online, and we do everything we can to protect user information offline. Unfortunately, no transmission over the internet can be guaranteed to be 100% secure. As a result, while we take reasonable measures to protect your information, we cannot ensure or warrant the security of the information that you transmit to us, and you do so at your own risk.
DISCLAIMER WFR, its officers, directors, employees, subsidiaries, affiliates, licensors, service providers, and agents are NOT financial advisors, and nothing contained on this Website is intended to be financial advice. WFR is an investment advisory service, NOT an investment advisor, and does NOT serve as a financial advisor or provide personalized financial advice in any way. Furthermore, the services, strategies, information, and/or products offered by WFR on this Website and/or elsewhere are not to be interpreted as a promise or guarantee of earnings or any specific result. The education and information presented by WFR are intended for a general audience and does not purport to be, nor should it be construed as, specific financial, legal, or other advice tailored to any individual. You are encouraged to discuss any opportunities with your attorney, accountant, financial professional, or other advisors. In fact, your personal level of success in attaining the results from using our information, strategies, and/or products totally depends upon your own individual circumstances, the effort you devote to your own financial success, the ideas and techniques used, your finances, the various strategies that your financial, legal, and other advisors may have suggested that you implement, your knowledge, and various other skills. Since these factors differ among each individual, WFR cannot guarantee your success or income level, nor is WFR responsible for any of your actions. Any and all forward-looking statements on this Website, and/or in any of our products are intended to express WFR’s opinion of the earnings potential that some people may or may not achieve. To the extent that WFR included any case studies or testimonials on this Website, you can assume that none of these stories in any way represent the “average” or “typical” customer experience.
YOU FULLY AGREE AND UNDERSTAND THAT WFR IS NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER THAT OUR PRODUCTS OR SERVICES WILL PRODUCE ANY PARTICULAR RESULT FOR YOU. YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘AS IS’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. WFR DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WOFR DOES NOT PROMISE OR GUARANTEE ANY INCOME OR PARTICULAR RESULT FROM YOUR USE OF THE INFORMATION CONTAINED ON THIS WEBSITE. WFR ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION CONTAINED ON THIS WEBSITE. UNDER NO CIRCUMSTANCES WILL WORKSHOPS FOR RETIREMENT INC.BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON THE INFORMATION CONTAINED ON THIS WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT CONTAINED ON THIS WEB SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
This website contains links to other websites. Please note that when you click on one of these links, you are moving to another website. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours. Please be aware that we are not responsible for the content or privacy practices of such other sites. We encourage our users to be aware of when they leave our Site and to read the privacy statements of any other site that collects personally identifiable information.
Personally Identifiable Information that we collect Personally identifiable information is any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to a name, phone number, and email address (“PII”). PII does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual.
WFR collects PII about users of the Site and those who communicate with WFR via telephone, email, or otherwise, without transacting business (“Visitors”) and individuals that transact business or make use of the Services offered by WFR (“Customers”).
The PII we may collect will depend on whether you are a Visitor or a Customer. From Visitors, we may collect basic user profile information including but not limited to IP addresses, ISPs, and browser types. From Customers, we may collect PII including but not limited to names, addresses, phone numbers, email addresses, payment information, and user profile information.
By providing your contact information while registering for one of our events/workshops, you authorize us and our affiliates to: Provide a confirmation phone call, and/or email or text message. Provide a reminder phone call, and/or email or text message. (If you attended/responded) - Provide a Post-Workshop/service follow-up phone call, and/or email. (If you did not attend/respond) Post-Workshop/service follow-up inviting you to another workshop/service. Provide informational updates regarding finance and/or financial professionals. Request an assessment/review of WFR and/or any Host. Communicate with you via text message (you are consenting to text communications from us and our partners and/or affiliates), if you provided your phone number.
We may collect basic user profile information from all our Visitors. We collect the following additional information from our Customers: the names, addresses, phone numbers and email addresses, financial information.
We use PII to customize the Site and to make appropriate Service offerings. We may email Visitors and Customers regarding reminders, notifications, to provide information, to assess satisfaction with our Services, or with respect to upcoming events. We may also use PII to contact Visitors and Customers in response to specific inquiries, or to provide the requested information.
Merger / Acquisition – WFR reserves the right to transfer PII if we merge with or are acquired by a third party.
How Personally Identifiable Information is stored Personally Identifiable Information collected by us is securely stored by third party vendors, and may be made available for use by WFR or our Host partners as indicated above.
Choices available to Visitors regarding collection, use, and distribution of the information Visitors and Authorized Customers may opt out of receiving communications from WFR of any kind, whether updates, notifications, reminders, informational notices, or otherwise, at any time, by responding to emails as instructed, by clicking the ‘unsubscribe’ link, by responding to text messages with “stop”, by contacting us at 323-776-1900, or by emailing WFR at email@example.com. To opt out of communications from Hosts, vendors, partners, or affiliates, you should follow their own opt out instructions in their respective privacy policies or as otherwise provided to recipients of their communications.
Collection of information through technological means (cookies) When you visit the Site, we may collect information that is automatically sent to us by your web browser. This information may include your web service provider and your numerical IP address. We may also collect other information, such as the type of browser you use, which pages you view, and the files you access.
We use this information to better understand how visitors use our Site and to improve our Site to better meet your needs. The amount of information that is sent by your web browser depends on the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.
WFR may use “cookies” and other similar devices on the Site to enhance functionality. These devices may track information which includes but is not limited to: (i) IP address; (ii) the type of web browser and operating system used; and (iii) the pages of the Site visited. If you wish to disable cookies, refer to your browser help menu to learn how. If you disable cookies, you may be unable to access some features on this Site. We might use information including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information.
Mobile Analytics We may use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use the App, the events that occur within the App, aggregated usage, performance data, and where the App was downloaded from.
General WFR staff is familiar with and trained on our security policy and practices. The PII of our Visitors and Customers is only accessible to a limited number of qualified staff who are given a unique password to gain access to the PII. We audit our security systems and processes on a regular basis. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering, hacking, malicious attacks, and other breaches, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Customers for any such occurrences.
We provide Visitors and Customers with an option to delete/deactivate PII from the Site’s database by contacting us. However, because of backups, third party hosting providers, and records of deletions, it may be impossible to delete an entire record without permanently retaining some residual information.
We may require that you verify your identity before exercising your individual rights. Unless notified when you make a request, we will honor your request within 30 days. In certain circumstances, we may be able to deny certain requests, as permitted or required by law.
Notice to California Residents If you are a California resident and have provided us with PII, California law gives you the right to request and receive from us, once per calendar year, information as to how we have shared your PII with third parties for their direct marketing purposes. If applicable, such information would include a list of names and addresses of all third parties with whom such information was shared during the prior calendar year as well as a list of the categories of PII shared.
You may make such a request by contacting us by email. You must include your name, physical mailing address and email address when you contact us. Please also include your telephone number, whenever possible. You must place “Privacy Administrator” in the subject line of your email. We will respond to your request within thirty (30) days of receiving such request.
In the event that we may provide your PII to third-parties, such third-parties are also obligated to keep your PII secure and confidential. Such third parties' use of your PII will be subject to their privacy policies. You should contact those entities directly regarding any communications you may receive from them, including, if you later decide that you no longer want that third party to use your PII.
Even in the event that you wish to request information about how to exercise your third-party disclosure choices and other rights afforded under the state law of California, we will retain your information for as long as your account is active or as needed to provide you Services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Because we keep track of past transactions for as long as is reasonably necessary, you cannot delete information associated with past transactions on this Site. In addition, it may be impossible to completely delete your information without some residual information because of backups.