1. Applicability; Agreement
limited to, (1) any SSI panel or subpanel (individually a “Panel” and collectively the “Panels”), (2) any Panel website
(individually a “Website” and collectively the “Websites”), (3) any SSI mobile application(s), (4) participation in any
survey or study offered, provided, hosted or administered by or through SSI and (5) your eligibility for, and/or redemption of, rewards, incentives and
prizes offered for certain actions and activities, including, but not limited to, successfully completing surveys (collectively, the “Applications/ Services”).
All references in these terms to “SSI” include Survey Sampling International, LLC and its parents, subsidiaries and affiliates. All
references in these Terms to “us” or “we” refer to SSI.
By registering for, accessing, using, and/or participating in, the Applications/Services, you hereby expressly agree to comply with and be bound by
SSI reserves the right to refuse, restrict, prohibit or reject your access to, use of, and/or participation in the Applications/Services, at any time and
for any reason.
2. Membership Eligibility
The Applications/Services are strictly for your personal, non-commercial use. You may use the Applications/Services only when and as available. The
Application/Services are only available to individuals who are eighteen (18) years of age or older. Only one (1) account per person.
3. Use of the Applications/Services
The Applications/Services are for personal, non-commercial use. You may use the Applications/Services only when and as available. SSI reserves the right to
change, modify or eliminate, and/or restrict or block access to, all or any part of the Applications/Services, without notice, at any time, for any reason
or for no reason.
SSI provides Panel members and non-Panel members with the opportunity to participate in surveys. Participation in surveys is voluntary. By agreeing to
become a Panel member, you agree to receive invitations to participate in surveys. Additionally, SSI may provide Panel members with the opportunity to
communicate with other Panel members and/or SSI. You may unsubscribe from Panel membership at any time; see Section 10 "Opt Out Policy"
4. Panel Registration; Passwords
You may access any Website(s) as a visitor without registering for membership with the Panel associated with the Website(s) and without providing or
disclosing personal information.
In order to register as a Panel member, you must register with or for the Panel and provide certain personal information. Panel members and non-Panel
members are required to truthfully provide all information. SSI reserves the right to restrict or prohibit your use of, access to and/or participation in
the Applications/Services if you provide, or SSI reasonably suspects that you have provided, information that is untrue, inaccurate, not current, or
SSI will either: (i) issue a user name and password to a Panel member, or (ii) permit a Panel member to create his/her own user name and password. Panel
members are solely responsible for the security of their user names and passwords and will be solely liable and responsible for any use, whether authorized
or unauthorized, of their membership accounts. SSI strongly recommends against the use of a social security number, financial account number or any other
identification or account number, as a user name or password.
Panel membership is specific to the individual who registers for membership with the Panel.
You acknowledge that you are accessing, using and/or participating in the Applications/Services in the capacity of an independent contractor and that no
agency, partnership, join venture, employee-employer or franchisor-franchisee relationship is intended or created by this agreement.
5. Unauthorized Uses
You agree not to: (i) use spiders, robots or other automated data mining techniques to catalogue, download, store or otherwise reproduce or distribute data
or content available in connection with the Applications/Services, or to manipulate the results of any survey, prize draw or contest; (ii) take any action
to interfere with any Website(s) or an individual’s use of any Website, including, but not limited to, by overloading, “flooding”, “mail bombing” or
“crashing” any Website; (iii) send or transmit any viruses, corrupted data or any other harmful, disruptive or destructive code, file or information,
including, but not limited to, spyware; (iv) collect any personally identifiable information of or about any other user of the Applications/Services; (v)
send unsolicited emails, including, but not limited to, promotions and/or advertising of products or services; (vi) open, use, or maintain more than one
(1) membership account with a Panel; (vii) Forge or mask your true identity; (viii) frame a portion(s) of any Website within another website or alter the
appearance of any Website; (ix) establish links from any other website to any page of, on or located within any Website or to the Applications/Services,
without the prior express written permission of SSI; (x) post or transmit any threatening, libellous, defamatory, obscene, pornographic, lewd, scandalous
or inflammatory material or content or any material or content that could otherwise violate Applicable Laws (as defined herein); (xi) engage in any
fraudulent activity, including, but not limited to, speeding through surveys, taking the same survey more than once, masking or forging your identity,
submitting false information during the registration process, submitting false or untrue survey data, redeeming or attempting to redeem rewards, prizes
and/or incentives through false or fraudulent means, and tampering with surveys; (xii) reverse engineer any aspect of the Applications/Services or do any
act or take any action that might reveal or disclose the source code, or bypass or circumvent measurers or controls utilized to prohibit, restrict or limit
access to any webpage, content or code, except as expressly permitted by Applicable Laws; (xiii) engage in any criminal or illegal act(s); (xiv) use
Restricted Content (as defined herein) in violation or breach of these Terms; or (xv) encourage and/or advise any individual, including, but not limited
to, any SSI employee, to commit any act(s) prohibited hereunder.
You acknowledge and agree that SSI will fully cooperate with all legal disclosure request(s) (e.g. court order or subpoena).
6. Restricted Content
In connection with your use of, access to and/or participation in the Applications/Services, you may have the opportunity to review or access confidential
and proprietary information, materials, products and content (“Restricted Content”) belonging to SSI and/or SSI’s clients, partners and/or
licensors. Restricted Content is and shall remain the sole and exclusive property of the owner of the Restricted Content. In no event shall you obtain or
receive any right, title and/or interest in or to any Restricted Content. You agree to protect the confidentiality and secrecy of the Restricted Content
and you agree not to modify, copy, reproduce, republish, display, transmit, distribute, reverse engineer, create derivative works of, decompile or
otherwise use, alter or transfer Restricted Content without the prior express written consent of SSI. You acknowledge and agree that Restricted Content may
be subject to, and protected by, intellectual property laws, regulations and codes. You further acknowledge and agree that if you breach or otherwise
violate the restrictions, limitations and prohibitions contained in this Section, in addition to any other rights or remedies available to SSI, SSI
reserves the right to terminate, prohibit or restrict your use of, access to and/or participation in the Applications/Services.
7. User Content
You are solely liable and responsible for all content, materials, information and comments you use, upload, post or submit in connection with the
Applications/Services (“User Content”). You are solely responsible for all third party approvals, consents and/or authorizations required
for User Content. If you submit User Content, the User Content may become publicly available and may be shared with third parties including, but not
limited to, SSI’s clients, clients of SSI’s clients, and third party service providers. User Content should only include audio, video, images or the
likeness of the individual submitting the User Content and should not contain copyrighted or trademarked content or material of any third party. User
Content should not include audio, video, images, or the likeness of anyone other than the user. You will not receive compensation for any User Content. If
you would like information about the identity of the sponsor of a survey in which you submit photos or videos, please contact SSI as set forth in SSI’s
(e.g., survey number, survey topic or subject matter, date you completed the survey, etc.).
By using, uploading, posting or submitting User Content in connection with the Applications/Services, you hereby grant to SSI a perpetual, irrevocable,
unlimited, transferrable, sub-licensable, world-wide, royalty free, right and license to edit, copy, transmit, publish, display, create derivative works
of, reproduce, modify, distribute and otherwise use, modify or distribute your User Content in any manner, without compensation or notice.
You are solely responsible for User Content. SSI does not and cannot review all User Content and SSI is not responsible for User Content. SSI reserves the
right to delete, move or edit User Content that is, in SSI’s sole discretion, deemed to: (i) violate these Terms, (ii) violate copyright or trademark laws,
or (iii) be abusive, defamatory, obscene or otherwise unacceptable.
8. Rewards Programs
1. In connection with your use of the Applications/Services, you may have the opportunity to accumulate rewards, incentives and entries into prize draws or
sweepstakes. Incentives may be in the form of points or dollars. Information, official rules and terms and conditions for rewards, incentives and prize
draws or sweepstakes may be available in these Terms, on the Website for a Panel, at the beginning or end of a survey, in survey invitations, on the
website(s) or webpage(s) for redeeming rewards, incentives, and prizes, and/or may be described in any newsletter or other communication distributed or
published by SSI.
2. All points or dollars posted to a Panel member’s account expire one (1) year following posting, unless the points or dollars are forfeited or cancelled
earlier due to membership or account inactivity or as otherwise set forth in these Terms. Panel member accounts are not actual bank or financial accounts
and do not accrue or accumulate interest of any kind.
3. Points or dollars posted in connection with the Applications/Services do not constitute property of the Panel member, cannot be transferred during or
after the Panel member’s life, by operation of law or otherwise, and have no value until presented by the Panel member for redemption in accordance with
4. In the event that any points, dollars, or incentive have been erroneously posted to a Panel member’s account, SSI may remove them from the Panel
5. Points or dollars will be deducted from the Panel member's account at the time the redemption request is made.
6. All redemptions are final and rewards may not be returned for credit except as otherwise provided in these Terms or as otherwise agreed to in writing by
an authorized representative of SSI.
7. The minimum points or dollars redemption threshold is the equivalent of Fifty United States Dollars ($50). Unless there is a lower redemption option
available, if you do not satisfy the foregoing threshold, you will not have a redemption option under SSI’s rewards program. SSI reserves the right to
provide reward options with lower minimum redemption thresholds without prior notice to, or consent from, you.
8. SSI may modify, alter, delete or add new terms and conditions for its rewards program or the Applications/Services at any time without notice. For SSI
this includes, but is not limited to, modifying, altering, adding or deleting point values, redemption levels, conversion ratios, conditions for status,
conditions for membership and conditions for earning incentives or rewards, at any time without notice. In addition, SSI may terminate or cease offering
any incentive or reward in connection with SSI’s rewards program, at any time without notice.
9. You may not combine your points or points with points or dollars belonging to any other member, including, but not limited to, any family member or
10. SSI make no representations or warranties of any kind, express or implied, regarding any product or service received in connection with SSI’s rewards
program, including, but not limited to, any warranty of merchantability or fitness for a particular purpose. SSI is not, and will not be, liable or
responsible for the performance of, or for the failure of the performance of, any product or service for which points or dollars, incentives or rewards are
redeemed. In addition, SSI is not and will not be responsible or liable for any cost, damage, accident, delay, injury, loss, expense or inconvenience that
may arise in connection with the use of, or defect in, any product or service for which points, dollars, incentives or rewards are redeemed. SSI will not
replace any lost, stolen, misplaced or damaged incentives or rewards.
11. YOU HEREBY EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE POINTS, DOLLARS, INCENTIVES OR REWARDS EARNED THROUGH THE APPLICATIONS/SERVICES MAY BE SUBJECT TO
TAX, WHICH IS THE SOLE RESPONSIBILITY OF THE PANEL MEMBER. SSI may provide you and/or the appropriate government agency or taxing authority with
information related to any payments or incentives you earn in connection with your use of the Application/Services. You agree to provide SSI with all
required information to assist SSI in complying with its reporting or withholding obligations. SSI may withhold any tax from any incentive or reward as
required by applicable law.
12. In addition to other rewards, SSI may offer panellists the opportunity to receive entries into SSI’s quarterly prize draw. In the event that entries
are offered, please see the Prize Draw Official Rules under our terms and conditions. The prize draw may not be available
as an incentive option for all panels, applications, or in all countries. Please check your specific panel or application for more details.
13. SSI uses reasonable efforts to ensure that points or dollars or dollars are credited and debited appropriately; however, panelists should review their
account to ensure that their account correctly identifies the posted points or dollars, incentives, or rewards, and reflects all of the appropriate
redemption transactions. If you feel that your account was not credited or debited correctly or reflects incorrect redemption transactions, please send an
email to email@example.com. Any email sent to SSI should include the panellist’s name, email address and specific information on the subject matter.
SSI will use reasonable efforts to investigate the matter and to respond back to the panellist promptly. SSI's decision is final and binding.
14. The suppliers or providers of the products or services offered in connection with SSI’s rewards program and/or the owners or operators of the
website(s)/webpage(s) on which redemption transactions occur, may have their own terms and conditions; please review these terms and conditions carefully.
15. Personal information may have to be collected, processed and/or disclosed in connection with SSI’s rewards program and/or any request to redeem a
reward or incentive. By agreeing to these Terms, you hereby agree to the collection, processing and/or disclosure of your personal information for such
16. If a Panel member elects to donate points or dollars to one of the charities approved by SSI, SSI will donate said points or dollars to the selected
charity. The donation is not made by or on behalf of SSI and SSI does not and will not match any donation. Please note that the donation option is not
available on every panel owned and/or operated by or on behalf of SSI. Please check the redemption options available for the panel to which you belong.
17. Your daily limit on the redemption of points or dollars is limited to the equivalent of Three Hundred United States Dollars ($300). If you have reached
this daily limit, you will not be able to redeem any further points or dollars until the next calendar day.
18. In the United States, SSI has an obligation to: (i) provide a W-9 tax form to individuals who receive payments (whether via the redemption of points or dollars or other means) of $600 or more in a tax year and (ii) file a 1099-Misc form with the United States Internal Revenue Service (“IRS”) for such payments. In addition, SSI will provide you with a completed 1099-Misc form for your tax compliance purposes. As a result, please see the following:
(1) If you have received payments of $599 during a tax year, your account will be suspended (i.e., you will not be able to receive further payments and will not be able to complete or participate in surveys) for the remainder of the applicable tax year unless and until you provide SSI with a completed and verified W-9 form.
(2) If you have received payments of $600 or more during a tax year, your account will be suspended indefinitely (i.e., you will not be able to receive further payments and will not be able to complete or participate in surveys) unless and until you provide SSI with a completed and verified W-9 form. In this case, your account will not be reinstated at the beginning of the next tax year, unless or until you provide SSI with a completed and verified W-9 form.
If you have any questions, please contact firstname.lastname@example.org.
9. Profile Updates
Panel members agree to notify SSI promptly of any changes in or to the information contained in their member profile. Panel members agree to review and
update their membership profiles as necessary but no less frequently than once every six (6) months. A Panel member may update, correct and/or delete
information contained in his or her membership profile by: (i) accessing his or her Panel membership account; or (ii) sending an email to the appropriate
Panel member services team for the appropriate Panel.
10. Opt-Out Policy
Panel members may opt out from using the Applications/Services (including, without limitation, from receiving newsletters or communications), at any time,
by: (i) following the unsubscribe procedures described on the applicable Website(s) or contained in any email received from SSI; or (ii) sending an email
to the Panel member services team. SSI shall use reasonable efforts to read and respond to each email request within a reasonable period of time after
receipt. Upon termination, a Panel member’s contact information will be removed from any further communication or contact lists. Please allow a few days
for the complete removal of contact information from SSI’s communication or contact lists for the applicable Panel; during which period the member may
In connection with your use of the Applications/Services, you may be able to link or connect voluntarily to websites maintained and/or operated by third
parties (“Third Party Websites”). SSI does not endorse any Third Party Website nor any products, services and/or opportunities advertised,
offered and/or sold by, through or in connection with any Third Party Website (“Third Party Information”). SSI does not make any
representations or warranties regarding Third Party Websites and/or Third Party Information. Please carefully review all policies and terms applicable to
Third Party Websites and Third Party Information.
12. Communications with SSI
All communications (excluding personal information) and User Content submitted or transmitted by you to SSI, by electronic mail or otherwise, shall be
treated as non-confidential and non-proprietary information, unless specifically indicated by you either prior to, or contemporaneously with, the
submission or transmission of such communications and User Content. You agree that any such communications and User Content may be used by SSI for any
THE APPLICATIONS/SERVICES, INCLUDING ALL INFORMATION, SURVEYS, CONTENT, MATERIAL, COMMENTARY AND APPLICATIONS/SERVICES MADE AVAILABLE ON OR THROUGH THE
APPLICATIONS/SERVICES, ARE PROVIDED “AS IS”. SSI DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER IN CONNECTION WITH ANY INFORMATION,
CONTENT, MATERIAL, COMMENTARY, SURVEYS, PRODUCTS OR SERVICES MADE AVAILABLE ON OR THROUGH THE APPLICATIONS/SERVICES, INCLUDING, BUT NOT LIMITED TO, ANY
USER CONTENT. FURTHER, SSI HEREBY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. SSI DOES NOT WARRANT THAT THE TOOLS, TECHNOLOGY OR FUNCTIONS CONTAINED IN THE
APPLICATIONS/SERVICES OR ANY CONTENT, MATERIAL, COMMENTARY, INFORMATION AND/OR SERVICES CONTAINED THEREIN, WILL BE UNINTERRUPTED OR ERROR FREE, THAT
DEFECTS WILL BE CORRECTED, THAT THE SYSTEMS OR THE SERVER(S) THAT SUPPORT THE APPLICATIONS/SERVICES AND MAKE THE APPLICATIONS/SERVICES AVAILABLE WILL BE
CORRECTED OR THAT THE APPLICATIONS/SERVICES AND/OR THE SYSTEMS AND/OR THE SERVER(S) THAT SUPPORT THE APPLICATIONS/SERVICES ARE FREE OF VIRUSES OR OTHER
HARMFUL COMPONENTS. SSI DOES NOT PROVIDE ACCESS OR CONNECTION TO THE INTERNET AND IS NOT AND SHALL NOT BE RESPONSIBLE OR LIABLE FOR THE ACTIONS OR
OMISSIONS OF THIRD PARTIES THAT INTERFERE WITH, LIMIT, RESTRICT OR PREVENT ACCESS OR CONNECTION TO, OR USE OF, THE APPLICATIONS/SERVICES.
SSI hereby reserves the right, in SSI’s sole discretion, to make changes to these Terms. SSI encourages you to review these Terms on an ongoing basis. SSI
will obtain your consent prior to changes that are of such nature that consent is needed or required. For changes that do not require consent, your
continued use of, access to, and/or participation in the Applications/Services does and will to constitute your acceptance of these Terms as amended.
You agree to indemnify, defend and hold harmless SSI and its parent, affiliated and subsidiary companies and its and their respective members, managers,
shareholders, directors, officers, employees and agents from and against any and all claims, liabilities, losses, judgments, awards, fines, penalties and
costs and/or expenses of any kind, including, but not limited to, reasonable attorneys’ fees and court costs, arising out of, resulting from or caused,
either directly or indirectly, by: (i) your breach or violation of these Terms; and/or (ii) your use of, participation in, and/or access to the
16. Limitations of Liability
EXCEPT TO THE EXTENT PROHIBITED BY APPLICABLE LAWS, YOU ACKNOWLEDGE AND AGREE THAT IN NO EVENT WILL SSI BE LIABLE OR OTHERWISE RESPONSIBLE TO YOU FOR ANY
INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR PUNITIVE DAMAGES, FOR ANY REASON(S) OR FOR ANY CAUSE(S), REGARDLESS OF WHETHER SSI IS INFORMED OF THE
POSSIBILITY THAT SUCH DAMAGES MAY EXIST.
ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO USE OF THE APPLICATIONS/SERVICES AND/OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH
CLAIM OR CAUSE OF ACTION AROSE.
17. Compliance with Applicable Laws
You acknowledge and agree that you will comply with all applicable international, national, Federal, state and/or local laws, codes, regulations, rules
and/or requirements (“Applicable Laws”) regarding your use of, participation, in, and/or access to the Applications/Services.
18. Suspension; Termination; De-Activation of Panel Membership Accounts
Either party may terminate your membership with a Panel at any time, with or without cause, for any reason or for no reason, and without liability for the
In addition to any and all other available remedies, SSI may, without notice, suspend and/or terminate your use of, access to, and/or participation in the
Applications/Services if you are in breach or violation of these Terms. If SSI terminates your membership due to your breach or violation of these Terms:
(i) you forfeit all rights, title and interest in and/or to all unredeemed rewards, incentives and/or prizes, effective immediately upon termination; (ii)
your membership will immediately be cancelled; and (iii) your access to, participation in and use of the Applications/Services (including, but not limited
to, participation in survey projects) will immediately cease.
In the event that a non-Panel member breaches or otherwise violates these Terms, such non-Panel member hereby agrees that: (a) all rights, title and
interest in and/or to all unredeemed rewards, incentives and/or prizes (if any), shall be forfeit effective immediately upon termination; and (b) access
to, use of, and participation in the Applications/Services will immediately cease.
In addition, SSI reserves the right to de-activate your Panel membership account: (a) if your membership account does not remain Active (as defined
herein); (b) if SSI receives a hard bounce or delivery failure notice in regards to email communications sent by SSI to your email account; or (c) if SSI
receives a “mailbox full” reply notice three (3) times in regards to email communications sent by SSI to your email account. For the purpose of these
Terms, “Active” means that you: (i) participate in a survey at least once every six (6) months; or (ii) update your profile or member
information at least once every six (6) months.
In the event of deactivation, termination by you or termination by SSI (other than for your breach or violation of these Terms), SSI shall maintain a
record of the posted, unredeemed rewards, incentives and/or prizes and, subject to the applicable minimum redemption thresholds, shall allow you to redeem
such rewards, incentives and/or prizes for a period of thirty (30) days following the effective date of termination or deactivation of your account.
Termination or deactivation of your membership will not delete or remove any application(s).
To terminate your membership please email email@example.com including the word unsubscribe in the subject line.
19. SSI Employee
A. Restriction. SSI employees and their Immediate Family Member(s) (as defined herein) are not eligible to receive any payments, prizes or
incentives for using, participating in or accessing the Applications/Services. For the purpose of this Section 19, the term “ Immediate Family Member(s)” includes parents, spouses, children or significant others (i.e. girlfriends/boyfriends, domestic partners and
B. Procedures. SSI’s employees may use, access or participate in the Applications/Services only after receiving written permission from their
respective manager, and only for the sole purpose of improving SSI’s products and/or services. SSI’s employees must always be honest and report accurate
information in connection with using, accessing or participating in the Applications/Services. If altered, false, or untrue information or data must be
used, prior consent and approval must be received from SSI’s Chief Executive Officer.
C. Improper Conduct. Unless authorized pursuant to these Terms or otherwise approved in writing by SSI’s Chief Executive Officer, the violation of
the terms of this Section 19 by an SSI employee and/or hos/her Immediate Family Member(s) is a violation of SSI’s standards of conduct and any such
violation may subject the employee to discipline, including, but not limited to, termination of employment.
A. Notice From You to SSI. Except as otherwise set forth herein or as required by Applicable Laws, all notices to be sent or provided to SSI should:
(i) be correctly addressed to the applicable business address, and shall be sufficiently delivered if delivered: (a) by Federal Express, Express Mail or
other nationally or internationally recognized overnight courier service (in which case notice shall be effective one (1) business day following dispatch);
or (b) by certified mail, return receipt requested, postage prepaid (in which case notice shall be effective six (6) days following deposit in mail); or
(ii) be sent via email to the appropriate member services team for the appropriate Panel.
B. Notice From SSI to You. Except as otherwise required by Applicable Laws, you agree that SSI may provide notices to you: (i) via the e-mail
address provided by you to SSI (in which case notice shall be effective one (1) day following the date the e-mail was sent, provided that SSI did not
receive an error message stating that delivery of the e-mail was delayed, that the e-mail address was invalid or that the e-mail otherwise could not be
delivered); (ii) by certified mail, return receipt requested, postage prepaid addressed to the address provided by you to SSI (in which case notice shall
be effective six (6) days following deposit in the mail); or (iii) by posting notices on the applicable Website(s). You agree to check the applicable
Website(s) frequently for notices and to keep your personal information up-to-date.
C. Legal Notice. All questions regarding these Terms and all legal notices should be sent, in accordance with Section 20.A. of these Terms, to:
Survey Sampling International, LLC
6 Research Drive
Shelton, Connecticut 06484.
Attn: Legal Department
or via email to: firstname.lastname@example.org
If any term or provision of these Terms shall be held or declared to be invalid or unenforceable for any reason by any court of competent jurisdiction,
such term or provision shall be deemed null and void and shall not affect the application and/or interpretation of these Terms. The remaining terms or
provisions of these Terms shall continue in full force and effect, as if the invalid or unenforceable term or provision was not a part of these Terms.
22. Governing Laws; Jurisdiction and Venue.
These Terms and your access to, use of or participation in the Applications/Services shall be governed by and construed in accordance with the laws of the
state of Connecticut, USA, without regard to any portion of any choice of law principles (whether those of Connecticut or any other jurisdiction) that
might provide for application of a different jurisdiction’s laws. All claims or disputes arising in connection with these Terms and/or your access to, use
of or participation in the Applications/Services shall be subject to the exclusive jurisdiction of the state or Federal courts located in Fairfield County,
The headings contained in these Terms are for reference only and shall have no effect on the interpretation and/or application of these Terms. SSI’s
failure to enforce a breach by you of these Terms shall not waive or release you from such breach and shall not waive, release or prevent SSI from
enforcing any subsequent breach by you of these Terms. These Terms and any rules, terms or policies referenced herein or incorporated herein, and any
Panel-specific requirements, represent the entire understanding and agreement between SSI and you with respect to the subject matter hereof.
Last updated: January 3, 2017