INTRODUCTION
Use of the site https://finorprom.com/ and other sites of the project (hereinafter referred to as the “Site”), as well as the use of products and services offered on the site (hereinafter referred to as “Services” or “Services”, except services provided as part of of a separate written contract) is governed by the terms of the legal agreement (contract) between you (the user of the site) and us – the Finorprom company (hereinafter referred to as the “Site Administration”, “us” or “we”).
This document describes the main provisions of this contract, as well as some of its conditions.
Details of a particular service provider will be indicated in the electronic receipt, invoice of the payment system or invoice issued to you.
The Finorprom company has several representatives (agents) in the territory of the CIS countries and other countries. In some cases, these individuals will act on behalf of Finorprom.
Unless you have concluded another written contract or agreement, your contract with Finorprom will always include at least the terms and conditions that are outlined in this document (hereinafter referred to as the “General Terms”). Please read these General Terms carefully.
In addition to the General Terms and Conditions, your contract with Finorprom also includes the Additional Terms for the provision of services published directly on the product (service) description page or in the legal notices applicable to the Services (hereinafter referred to as the “Additional Terms”).
The General Terms and Additional Terms (hereinafter referred to as the “TERMS”) form a legally binding contract for the provision of Services and use of the site.
ACCEPTANCE OF TERMS
To be able to use the Services, you must accept the Terms. Until acceptance of the Terms, the use of the Finorprom Services is prohibited.
You can accept the Terms in the following ways:
(A) by performing an action indicating acceptance of the Terms (by clicking on the button, ticking the checkbox or similar action) on the service order page on the website; or
(B) the actual use of the Services. In this case, you agree that we will consider the fact of using the Services as acceptance of the Terms.
By using the project website or the services offered on the website, you accept all of these Terms. If you do not agree to these General Terms or Additional Terms published on the site – leave the site and stop using the Services.
SUBJECT OF THE AGREEMENT
The subject of the contract is the use of the site, as well as the Services that we offer on the site https://finorprom.com/ and other sites of the Finorprom project.
Terms of use of site services and materials
The user can be any person who accepts the Terms and uses the site and Services.
To receive paid services, you must have full legal capacity and be a person who has reached the age of 18.
FINORPROM SERVICES
Services and free materials
The scope of the Services available to you depends on the conditions of the purchased product and package of services. If you use the services or materials available in the open sections of the site and distributed free of charge, you get only basic information on the topic of interest.
Paid services
If you purchase a package of paid services or book participation in an event, you get expanded information, as well as access to paid content and paid site services. You can purchase a separate product (package of services) for a one-time fee, book participation in a live event (offline training, seminar) or apply for a monthly subscription to the Services.
The conditions for using a paid subscription are governed by the relevant Additional Terms (Subscription Terms published on the product page) that you accept in the process of subscribing.
Please note that some prepaid service packages involve gaining access to several services and training programs (courses) at once. However, if this is not the case, in order to receive information materials on additional training programs, you need to purchase such Services separately.
Some training programs involve independent work and the implementation of certain tasks (homework), which are part of the service delivery process.
Prices and cost of services
The cost of services is published on the service order page, on our website, as well as in electronic notifications sent to you. The final cost of services in the payment currency (UAH) is fixed in the invoice issued to you, displayed on the service payment page, as well as in the bank statement on your card. The cost of services does not include additional commissions of banks and payment systems.
USE OF THE SITE AND ORDER OF SERVICES
By using the site or the Services, you accept, without exception, the TERMS of the contract, as well as our Privacy Policy. If you do not agree with the content of these documents, leave the site and stop using the services.
If you register on the site or place an order for the services offered on the site, or use our services, you agree that we can send you written notifications, advertising mailings, information messages, and other materials to messengers or by phone number and email, indicated at registration. In some cases, you can, if necessary, refuse to receive them.
You must comply with all the Terms and Conditions, which you will be asked to read when placing an order or in the process of using the services offered on the site. You agree that you will not participate in activities that disrupt the functioning of the site, the Services or related servers and networks.
You accept full responsibility for any violation of your obligations stipulated in the Terms, as well as for all the consequences of these violations.
MAKE A DEAL
The procedure for the formation and conclusion of the relevant transaction (contract) depends on the product you have chosen and the payment method.
Registration on the site, subscription to the newsletter, ordering, and payment for the Services on the site (entering your payment details) is not possible without obtaining your prior consent with the Terms of this Offer and our Privacy Policy (without putting the mark “I have read (s) and accept the Terms of Service services and Privacy Policy ”in the appropriate field, under the data collection form).
The moment of conclusion of the contract
By visiting the site and using free materials and services located in the open sections of the site, you conclude a license agreement with us for the use of content.
By registering for a free webinar or by signing up for a free subscription to the mailing list, you enter into a Service Agreement with us. In this case, the Agreement includes the General Terms and Additional Terms of Service.
In the case of purchasing a prepaid package of services, you conclude a Service Agreement with us at the moment you click on the “Take part” or “Buy” button (or another similar field). In this case, the Agreement includes the General Terms and Additional Terms of Service.
In case of buying tickets for live events (forum, event, offline training, intensive, coaching, seminar), you enter into an Agreement for the sale of tickets for an event with us at the time you click on the “Take part” or “Buy” (or another similar field). In this case, the Agreement includes the General Conditions and Additional Terms of Use of the Services.
In the process of issuing a monthly paid subscription to services, you conclude a Service Agreement with us at the time of successful input of payment details into the frame of the payment system. In this case, the Agreement includes the General Conditions and Additional Terms – Subscription Conditions.
In case of payment of the order without using electronic payment acceptance systems, the Agreement with you is considered concluded at the time of payment by you of your invoice (or electronic invoice).
Acquisition of several products or additional services
You can purchase and use one or several services at the same time by paying for the purchased service package one-time or by issuing a monthly subscription.
Correcting input errors
By registering on our website or ordering services, you can interrupt the checkout process at any time and correct input errors until the registration process or checkout is completed – payment for services, tickets or subscription.
You can also always contact us and report any errors in the input.
TERMS OF RENDERING SERVICES
One-time services
Any one-time services / prepaid service packages purchased on the site can be offered for a certain period (have a fixed term for the provision of services). In this case, upon the expiration of the specified period, the provision of services will cease at the end of the specified period for the provision of services.
You understand and agree that we can unilaterally postpone the date and time of classes (webinars and masterclasses) and this is not considered a violation of the contract on our part.
Subscription
Subscriptions to our services are offered with different minimum validity periods (the minimum subscription period) and are automatically renewed for the same minimum subscription period until you or we cancel their renewal.
To avoid confusion, please note that the validity period of the subscription is determined by calendar days, regardless of whether you used the services you are subscribed to or not.
Content Access Duration
Some service packages provide the user with access to certain training materials for a limited time. In this case, you are guaranteed to get access to the content for the period indicated on the product page.
Although we will not intentionally restrict access to the specified content, however, after this period, we do not guarantee that this content will still be available to you (which is not a violation of the terms of the contract on our part).
RESERVATION CONDITIONS (PRE-ORDER) SERVICES
When booking Finorprom services, you place an early order for receiving services at a reduced price, subject to payment of the cost of the reservation. You agree to pay the rest of the cost of services on-time and on the terms of the promotional offer published on our website or in written messages sent to you.
Subject to a surcharge of the difference in cost, you can always re-order for a package of services of a higher cost, regardless of which package of services you have booked.
Please note that the amount you paid (reservation cost) is considered a deposit and is transferred by you on account of payments due, in evidence of the conclusion of the contract and in ensuring its performance. If you do not fully pay for the booked services in the specified period, we will withhold the full amount of the deposit – the cost of the reservation is not refundable.
You can always use the amount you have paid (reservation cost) for partial payment of other Finorprom services within two (2) calendar months from the date of making the deposit – for this, contact our customer support service. At the expiration of the specified period, you lose such an opportunity.
TERMS OF PAYMENT
Debit
In the case of purchasing a package of services or a ticket for a live event on the website, at the time of placing the order (successful input of payment details into the frame of the payment system), a one-time write-off of the amount of the cost of the ordered services occurs.
In the case of a renewable subscription to services, at the time of subscription (successful input of payment data), the card is linked to the user’s account and funds are debited from the linked card automatically, for a minimum subscription period, on a subscription basis. In the case of automatic renewal of a subscription to services for a new period, funds are debited as an advance, until the start of the provision of services in the new billing period.
Default on payment obligations
We reserve the right to make a complaint about a violation of the deadlines for payment of services. If it is not possible to deduct money from your payment card or the next payment, we have the right not to start the provision of the Services or to suspend their provision until the moment of their due payment.
PAYMENT METHOD
You can familiarize yourself with the available payment methods for our services on the site.
In case of payment by bank transfer, you must inform us of the payment made and send an image of documents confirming payment for the services to the email address indicated on the site. You understand that when paying for services by bank transfer, you confirm your acceptance of the Terms of Service.
If we pay additional fees or incur other expenses due to the rejection of the payment due to your fault (for example, insufficient funds on the card; the credit limit on the card has already been exhausted), we reserve the right to additionally deduct from your card/account the amount of expenses incurred by us.
We reserve the right, at any time, at our discretion, to change the method of payment for the purchased product and/or refuse the previously proposed method of payment by proposing alternative payment methods.
RETURN POLICY AND DELIVERY OF SERVICES
Service Cancellation Policy
After placing the order and its payment, in each case, you get the right to refuse services and request a refund. You have the right to refuse paid services by notifying us of this on time.
The possibility of a refund, as well as the amount of deductions associated with the refund, depends on the date we receive the return request.
You understand and agree that if you have already begun to use the services (gained access to one or several classes of the training program or their notes) during the refusal period, we are entitled to deduct from the amount you paid the amount of the cost of the services rendered, at the time of receipt return request.
Online opt-out policy
You have the right to refuse online training (access to training records, webinars, and other paid training content) within fourteen (14) calendar days from the date of order confirmation.
If you applied for a refund within the prescribed period, we will return the payments received from you as payment for the course. To receive a refund, contact us and fill out a request for a refund in the prescribed manner.
If you have already started using the services during the refusal period (for example, you took part in one or several online classes or received a link to watch or download video lessons), we will deduct from the amount you paid the cost of the services provided at the time of the request for return. In this case, the return amount is defined as the difference between the total cost of services and the cost of actually consumed services.
Offline opt-out policy
If we received a return request:
(A) sixty (60) or more calendar days before the date of the event or master class, regardless of the reasons for the refusal, we will refund all the funds received to you (minus the fees of payment systems related to the return);
(B) in the period from fifty-nine (59) to thirty (30) calendar days inclusive until the date of the event or master class, regardless of the reasons for the refusal – we return the funds received, withholding fifty (50)% of the amount paid;
(B) from twenty-nine (29) to fifteen (15) calendar days inclusive until the date of the event or master class, regardless of the reasons for the refusal – we return the funds received, withholding seventy-five (75)% of the amount paid ;
(D) less than fifteen (15) calendar days before the day of the event, as well as after the start of the event (first day) and later – we do not refund. The entire amount of the advance payment is withheld as compensation for damage caused by unilateral cancellation of the contract.
Refund Clearance
To refuse services and issue a refund, write to us, we will confirm the receipt of the request for refund by e-mail at the address indicated when placing the order. If you do not receive written confirmation within 24 hours from the date of sending the letter, please contact our support team at the telephone number indicated on the website.
To make a return, be sure to tell us: Name and email address specified when placing the order; the name of the service (training program, training or service package); date of order; payment information; reasons for refusal of services, as well as other necessary information.
You understand that if you violate the procedure for processing a request for a refund or if you do not provide us with the specified information, we have the right to refuse to return you and not to consider your appeal.
The consequences of refusing services
If you filed a refund request within the specified time frame, we will refund your funds within fourteen (14) days from the date you received the request.
For a refund, we will use the same payment method that you used when paying for services. We will deduct from the refund amount all additional commissions of banks and payment systems related to the refund.
If you did not use the services (did not participate in the event, did not see the classes available to you) through no fault of ours or refused to use the services in violation of the terms and established order, we will not reimburse you for the cost of such services.
Special conditions of refusal and additional guarantees of return
We reserve the right to establish other refusal rules for certain Services (training programs, products, live events, webinars, intensives, etc.) or provide you with additional guarantees of unconditional return by posting special conditions for cancellation of services on the product order page.
Postponement of the provision of Services
Not later than two (2) months from the date of payment for the Services (making the first payment), you have the right to request a postponement of the terms for the provision of the Services to other calendar dates and to receive training with the following course flow (on the terms of a similar package of services equivalent to the price you purchased). In this case, the refund is not carried out, and we will inform you of the new possible calendar dates of training. The postponement of the provision of the Services is possible no more than once.
To comply with the deadline, it is enough for you to notify us in the manner established for filling out a request for a refund.
We reserve the right to establish other rules for postponing the deadlines for the provision of services for individual products by publishing additional Transfer Terms on the product page.
Expiration Period
If the Services were provided in full before the expiration of the term of the refusal (for example you have already gained access to all the lessons and materials) and/or until you receive a request for a refund, no refund will be made.
In case of receiving a request for a refund (refusal of services) in violation of the established terms of refusal, a refund is not carried out.
Using funds to pay for another product
Not later than two (2) months from the date of payment, you have the right to request that the funds paid to be credited to pay for any of our other products (Services). If the cost of the purchased product exceeds the amount of the amount (deposit) you have made, you undertake to pay the difference before starting the provision of the Services. If the deposit amount exceeds the value of the ordered product, the difference in value is not refundable.
In order to comply with the deadline, you must notify us in the manner established for filling out a return request.
RIGHT TO USE FINORPROM CONTENT
Depending on the services you purchased, you get access to content (information and training materials), the copyright and related rights of which are protected or in any case belong to us, regardless of the fact of registration and the territory of their operation.
Using the services, you get the right to view the content and use it for personal purposes, under the terms of this agreement, for the entire period of the provision of services, unless otherwise provided by additional conditions.
Trademarks
All brand names and trademarks mentioned on the website, including brand names and trademarks owned by third parties, are subject to applicable law. Their mention on the website or in the training materials of Finorprom does not mean that they are not protected by the rights of third parties.
The mark for goods and services, as well as the trade names Finorprom and SYNDICATE, are registered and belong to us. You cannot use these marks for goods and services without our written consent.
Copyright materials
All materials posted on https://finorprom.com/ and other project sites, as well as materials provided to you during the provision of paid services (content), are subject to copyright, exclusive rights to use of which belong to Finorprom, regardless from the fact of registration and the territory of their operation.
Using the services of Finorprom, you get the right to use educational content for personal non-commercial purposes. The cost of commercial use of copyrighted materials is estimated at fifty thousand (50,000.00) hryvnias for one calendar month of use.
Copying, processing, modification, full or partial use, public reproduction and distribution of materials posted on the website or provided to you during training, as well as the use of the content for commercial purposes, without the written permission of the copyright holder, is strictly prohibited and punishable by law.
Note! Buying access to training content “in a mess” or transferring your credentials for access to training to third parties is prohibited – this is piracy.
You are warned that photography, audio, video recording of the learning process (seminars, workshops, webinars, and live events) is strictly prohibited. In case of a violation of this requirement, you will not be allowed to receive services.
Rights violation
Any violation of intellectual property rights is prosecuted in accordance with the legislation of the country of service and international law and entails the onset of civil, administrative and criminal liability.
In the event that facts of the illegal use of our intellectual property are revealed (using the brand; copying or processing the course materials, or distributing them; purchasing access to the course “addicting” and transferring credentials for access to training to third parties, etc.), we have the right to stop providing services and block the account of the violator, without reimbursement of the cost of training.
We have the right, at our option, to demand from the violator full compensation for losses caused by such a violation or payment by the violator of compensation in the amount of double payment for the legitimate use of intellectual property, for each case of unlawful use.
If the violator refuses to voluntarily pay compensation, we will be forced to turn to law enforcement agencies, initiate criminal prosecution of the violator and collect monetary compensation in a forced manner.
RESPONSIBILITY FOR PERFECT QUALITY SERVICES
Statutory provisions
The provisions of the current legislation on the protection of consumer rights regarding claims regarding the provision of services of inadequate quality, apply to emerging relationships, regardless of the General and Additional Terms. The scope of consumer rights granted to you by law, in any case, cannot be reduced.
Warranty Disclaimer
We do not give any guarantees that using the Finorprom services will bring you financial or any other results. The data provided in the course of your use of paid and free materials on the site are only advisory in nature.
By purchasing paid services or using free content, you agree that you use the content solely at your discretion and bear one-sided responsibility for this.
Finorprom does not bear any responsibility for any profit you may not receive, reputational or other risks that may arise when using the materials on the site. The results that you get in the process of using strategies and recommendations posted on the site depend on many factors that are exclusively individual in nature and depend on the student. These include your individual learning abilities, conscientious fulfillment of homework, recommendations and strategies that you receive during the training process, as well as factors of the business environment, markets and economic fluctuations when you use strategies and knowledge.
The results of different users can vary significantly when using the same services. The cases and success stories provided on the website are given as a demonstration of the results of specific people, and are not a promise or guarantee that you will achieve the same results, even if you copy strategies and actions that these people took to achieve certain financial and other results. Using materials, you refuse from lawsuits and other forms of claims against us regarding your results in the process of using content and using services.
You understand that your disagreement with the opinion of our trainers or speakers, the methods and content of training programs, is not a basis for a refund.
A RESPONSIBILITY
General Provisions
In case of violation by the parties of their obligations, provision of false information at the conclusion or during the execution of the transaction, the parties are liable in the prescribed manner.
We are responsible for: violation of the Terms and Conditions of the provision of services; the provision of Services of inadequate quality.
You are responsible for: the accuracy and correctness of the registration and payment data specified by you during the registration process on the site or placing an order; use by third parties of the credentials used to gain access to the Services; the use of materials posted on the website or provided during the provision of the Services, with a view to their subsequent resale, distribution or transfer to third parties; distribution of false information about our company that discredits our business reputation (slander); violation of the Terms of Use; violation of payment terms; Interfering with the site and available services or trying to access them bypassing our instructions.
Limitation of liability
Our total liability for any claim or claim is limited to the amount of the purchased service of inadequate quality or provided in violation of the terms.
We are not responsible for: the inability to provide services for reasons beyond our control, including force majeure, disruption of communication lines, malfunctioning of equipment and software that does not belong to us; for complete or partial interruptions in the provision of services related to the replacement of equipment, software or other work caused by the need to maintain operability and development of hardware (subject to prior notification of the user); violation of the security of equipment and software that you use to receive services; loss of confidential information or part thereof, if this is not our fault; any losses of third parties that arose not through our fault.
In the event that we violate the terms for the provision of services, our liability is limited solely: to extend the terms for the provision of services or to provide services in new terms until the full fulfillment of our obligations.
Responsibility of our employees and agents
In cases where our liability is limited or excluded, the same limitation of liability or its exclusion applies to our employees or agents.
RESPONSIBILITY FOR YOUR MATERIALS AND CONTENT
Disclaimer for posting content
You are responsible for the content and materials that you post on our website or in chats while using the Finorprom services. We are not responsible for the materials you post and do not track them.
Compliance with legal requirements
By posting your own content, you must comply with the laws of the country of residence. In any case, it is forbidden to publish pornographic or sexual content promoting violence, sadism, discrimination, containing threats or defamation.
In addition, your content should not violate the rights of third parties. This applies to property and personal non-property rights of third parties, including intellectual property rights (for example, copyright and trademark and trade name rights). In particular, you are also obligated not to violate the rights of third parties when posting comments/reviews, profile photos or any pictures that you publish.
We have the right to delete or move any content posted by you at any time if we consider that it violates the rights of third parties or the requirements of the law. If you violate these principles of content distribution, we have the right to send you a written warning and temporarily block your account and suspend the provision of services, or terminate the contract unilaterally.
Indemnification
If you violate the requirements of the Terms, you must compensate us for all losses incurred in connection with the satisfaction of claims of third parties (whose rights you violated). We reserve the right to bring you claims for losses and other claims in recourse.
DURATION OF TERMS
The terms and conditions are valid until modified or withdrawn by Finorprom.
Termination (revocation) of these Terms will not affect any legal rights, obligations, and responsibilities that were in force for you and Finorprom, and arose before the termination of the Terms.
CONTRACT TIME
The agreement on the use of the site (site materials) is considered concluded for an indefinite period and is valid until terminated by you or us.
An agreement on the provision of services concluded in connection with the use of free services, the purchase of a prepaid package of services or booking participation in a live event is valid until the Parties fulfill their obligations.
The contract for the provision of services concluded in connection with your subscription to the Services is valid for the duration of the subscription and, if the subscription is renewed (automatically renewed), is renewed for the subscription renewal period.
TERMINATION OF USE OF SERVICES
You have the right to stop using the site and services at any time, without specifying a reason.
To stop using paid services, let us know about this by contacting the user support service using one of the phones listed on the site.
Please note that after you have refused the services (terminated the contract), you will lose access to all purchased content and available services. In the event that at the time of termination of the contract (agreement) you still have a valid subscription or access to the purchased service package, or the right to attend a live event, any amount that you paid to pay for the Finorprom services will not be returned, including the number and amount of the cost of actually unused services.
We reserve the right to terminate the legal agreement with you without giving reasons, provided that you are notified in writing at least two (2) weeks before the planned date of termination. In any case, the contract cannot be terminated before the end of the minimum paid subscription period or the expiration of the term for the provision of services.
We can at any time cancel the agreement (agreement) concluded with you if:
(A) You have violated any provision of the Terms (or committed actions that clearly indicate your unwillingness or inability to comply with the Terms), or
(B) we are forced to do so according to legal requirements (for example, if the provision of services to you is illegal or ceases to be legal), or
(B) Finorprom ceases to provide the Services in the country in which you reside or use the services, or
(D) the provision of services becomes unprofitable from the perspective of Finorprom.
If you try to interfere with the operation of the site, servers, and other Finorprom automated systems or flagrantly violate the Terms, or if we suspect you of this, we may suspend or completely block your access to the site and services.
Subscription
Each Finorprom subscription must be canceled separately. You can cancel your subscription without giving reasons at any time after the end of the corresponding minimum subscription period or on the day of the end of the period for which the subscription was renewed.
You can cancel any subscription to the Services on our website by selecting the appropriate setting in your user account and untying the payment card.
We reserve the right to cancel your subscription starting from the day the minimum subscription period expires or the period for which the subscription has been renewed, provided that you receive written notice no later than two (2) weeks before the planned date of cancellation.
Unilateral cancellation of the contract on good grounds
Each party has the right to cancel the contract unilaterally for good reason.
In particular, we have the right to cancel your account and terminate the user agreement or cancel your subscription immediately if you repeatedly flagrantly violate the Terms of the contract or these General Terms and Conditions, as well as in the event of arrears in payment of services.
PERSONAL DATA
Please note that by using the site or services, fill out the registration forms on the site, you agree to our Privacy Policy and agree to the collection and processing of your personal data on the specified conditions. If you do not agree with them, stop using the site.
We process your personal data in accordance with our Privacy Policy; You can always find the latest version of the Privacy Policy on the site. These conditions govern the collection, processing, use, and protection of your personal data.
CHANGES TO THE PROVISION OF SERVICES
We reserve the right to amend or supplement these General Terms by posting a notice on this page and a new edition of the General Terms. It is strongly recommended that you frequently check this page and the date of the most recent changes at the top of the page.
In case of amendment of the Additional Terms, we will post the new edition of the additional terms directly on the product description page.
If you do not object to the validity of the new Terms and Conditions and continue to use the Services, the new version of the Terms is considered accepted by you.
You understand and agree that the use of the Services after changing the General or Additional Terms is considered by us as your acceptance of these Terms. If you object to the new edition of the Terms, we definitely reserve the right to unilaterally cancel the contract in the prescribed manner.
GENERAL LEGAL CONDITIONS
The General and Additional Terms constitute the full legal agreement (agreement on the provision of services and use of the site) between you and Finorprom, regulate the procedure for the provision of Services (with the exception of services provided on the basis of a separate written agreement, if any) and completely replace all previous agreements and arrangements between you and Finorprom.
Validity of Provisions
If there are any discrepancies between the Additional Terms and the General Conditions, the provisions of the Additional Terms relating to the relevant Service shall prevail.
If any judicial body authorized to consider this issue recognizes the invalidity of any provision of these Terms, the relevant provisions will be excluded from the Terms, while maintaining the validity of the remaining provisions of the Terms. The remaining provisions of the Terms will continue to be valid, and their enforcement can be ensured through the courts.
Applicable right
Relations between the parties are governed by the provisions of the legislation of Ukraine. In terms of consumer protection legislation, the laws of the user’s country of residence apply.
ADDITIONAL TERMS FOR ORGANIZATIONS
If you are a legal entity (to avoid misunderstandings, the term “you” as applied to legal entities in these Terms means an organization), then an individual who has accepted the terms on behalf of your organization declares and guarantees that he is authorized to act on your behalf and has sufficient authority to accept the Terms on your behalf.