TERMS & CONDITIONS

Effective: February 21, 2025

Welcome to BibleChat! Please read on to learn the rules and restrictions that govern your use of our Services.

These Terms & Conditions (the Terms & Conditions, including any other terms and conditions incorporated hereunder through links, including any modification thereto, being referred to as the "Terms") apply to the use and access of the products and services including, without limitation, content, Outputs, features, and services ("Products") that BookVitals S.R.L. and its subsidiaries and affiliates ("BibleChat," "us" or "we") offer via: https://thebiblechat.com (the "Website"), and/or our BibleChat application (the "App") (the Products, the App, the Website, are collectively the "Services"). These Terms are a binding contract between you and BookVitals App SRL, a Romanian limited liability company with its registered address at the contact address indicated below.

By using or accessing the Services or by becoming a Member you acknowledge that you accept and agree to these Terms.

IF YOU DO NOT AGREE TO THESE TERMS, YOU DO NOT HAVE THE RIGHT TO ACCESS OR USE THE SERVICES AND YOU SHALL REFRAIN FROM DOING SO.

Information about our privacy practices can be found in our Privacy Policy ("Privacy Policy").

1. Who we are.

Our mission is to create a reliable and user-friendly tool through which you can improve your relationship with God. Our Services include, without limitation, access to features such as prayer, discovering Biblical characters, confessing, finding Biblical verses, exploring parables and miracles, and interacting with a chatbot to ask various questions that are answered from a religious perspective. Please note that the Services include artificial intelligence generated content.

2. Use or access

These Terms set forth the entire agreement between you and us for the supply, use and access of the Services, unless expressly stated otherwise. For instance, to use or access certain Services or other special offerings, you may be required to agree to additional terms and conditions or policies provided by BibleChat ("Additional Terms"). Those Additional Terms or policies are hereby incorporated into these Terms. By accessing and using the additional Services, you indicate your consent to and acceptance of the Additional Terms. If there is a conflict between the Terms and the Additional Terms, the latter will take precedence with respect to your access to or use of the additional Services, unless specified otherwise in the Additional Terms. The provisions in this clause do not apply to terms and conditions provided by Third Party Services as indicated below.

3. Changes to Terms and to the Services

BibleChat reserves the right to change or update these Terms, or any other of our policies or practices, at any time. If we make any significant changes to these Terms, we will notify you of these changes, but not earlier than 30 days prior to the entry into force of the modified terms, such as via pop-up or push notifications within the Services or via email. If you continue to use or access the Services after modification, you accept and agree to abide by the modified Terms.

We have the right to modify, update, discontinue and terminate the Services, at our own discretion and without prior notification and no liability. Where such notification is imposed by the applicable law, regardless of our agreement hereunder, we will notify you priorly and based on the minim term provided by the law, provided such changes would materially impact your access to and use of the Services. If liability cannot be excluded as per the mandatorily applicable law, BibleChat's sole and exclusive liability hereunder shall be a refund of any pre-paid and unused subscription fees.

4. Membership

You must be 18 years or older to use the Services and we do not accept use by younger Members. If you are a parent or legal guardian of a user or Member under the age of majority where you live, you are subject to these Terms and Conditions and responsible for your child's activity on the Services. To access the Services, you need to create an account via our App ("Member"). To become a Member, you need to provide certain personal details ("User Information"), and which, when deemed Personal Information (as defined under the Privacy Policy) and will be subject to the Privacy Policy. You are responsible for maintaining the confidentiality and security of your account and password and for restricting access to your device.

You warrant and represent that: (i) you are legally capable of entering into binding contracts; (ii) all User Information you submit is truthful, accurate, and up to date; (iii) you will maintain the accuracy of such information.

5. Subscription & Purchases

The majority of the Services are available only with a trial and paid subscription. Once the trial use permitted to you under the App and as per the App expires, you will automatically be billed unless the trial is cancelled by you at least 24h before it expires. Subscriptions will automatically renew at the end of your subscription cycle (currently weekly, monthly, quarterly, bi-annually, annually, unless you cancel or turn off automatic renewal. You may cancel your subscription from your device in accordance with the terms of the Apple Store and Google Play Store or, when you pay via Stripe, from the App.

Your subscription will be billed through Stripe or through your Apple App Store or Google Play Store account in accordance with their terms, no earlier than 24 hours before renewal. By subscribing, you authorize Stripe, Apple or Google, as the case may be, to process these charges on our behalf.

You may cancel your subscription at any time through your Apple App Store or Google Play Store account settings or through the App, as indicated above. To avoid being charged for the next billing period, cancellation must occur at least 24 hours before the renewal time and date.

If your payment method cannot be charged for renewal, we or Apple or Google may suspend or cancel your access to the subscription.

We may change the subscription fees at our discretion. If the price increases, Stripe, Apple or Google may require you to confirm the new price before renewal. If you do not agree, you can cancel your subscription no later than 24 hours before the renewal date and time. If under certain laws you have the right to withdraw and cancel your subscription without giving any reason within 14 days from the date of purchase of your subscription, said rights shall be subject to and as provided under the Apple Store or Google Playstore terms and conditions, and which shall also set forth how to exercise such right, if any, and how any fees will be refunded, if the case. Otherwise, fees are non-refundable.

6. License to Services

Subject to the limitations set forth in these Terms and subject to your compliance with the Terms, BibleChat grants you, during the subscription term, a limited, non-exclusive, non-transferable, non- sublicensable, revocable license to access and use the Services solely for your personal, non- commercial purposes. The Services are owned, operated, and provided by us and, where applicable, the BibleChat Parties. We and the BibleChat Parties retain all our respective rights, title, and interest, including intellectual property rights, in and to the Services. Other than the rights of access and use expressly granted in our Terms, our Terms do not grant you any right, title, or interest in or to our Services, not even by implication, waiver, estoppel, or otherwise. Any use of the Services other than as specifically authorized herein, without our prior written permission, is strictly prohibited, will terminate your license granted herein, and will violate our intellectual property rights.

7. User Content

Except for the license you grant below, as between you and us, and to the extent permitted by applicable law, you retain any right, title, and interest that you have in any messages, images, text, or other content posted through or imported into the Services by you ("User Content"), provided however, that we retain all rights, title, and interests in and to the responses and content generated by the Services based on your User Content ("Outputs"). You are responsible for all User Content you submit to our Services. You must ensure that you have all rights, licenses, and permissions to use that User Content in relation to the Services and to allow us to process such User Content in accordance with our Terms.

We reserve the right, in our sole discretion, to refuse to post or to remove or edit any of your User Content, or to restrict, suspend, or terminate your access to all or any part of the Services, particularly where User Content breaches these Terms, the applicable law, third-party rights, or where it may present a risk to a person's safety, and we may do this with or without giving you any prior notice.

By making any User Content available to BibleChat or importing it into the Services, you hereby grant to BibleChat a non-exclusive, transferable, sublicensable through multiple tiers, worldwide, perpetual, royalty-free, license to the intellectual property rights in the User Content (including, without limitation, copyright and related rights, database rights, trade-secrets to use, reproduce, distribute, import, export, sell, license, resell, rent, lend, to publicly communicate, perform and display, adapt, transform, creative derivative works and copies, store, publish, , computer programs, etc.) your User Content for the purpose of providing, commercializing in any form, to train and improve our Services and to provide the Services based on your User Content in all media formats and channels now known or later developed.

8. Third-Party Services

The Services may contain or may be used with third party components, content, services, materials, data, information, software, APIs, cloud applications and the like, including open-source software and open-source content (all of the foregoing "Third-Party Services") and which are subject to their own terms and conditions. You may use the Third-Party Services, subject to and in compliance with all terms and conditions of the third-party providers, bearing the entire risk of such use. Your use of or access to any Third-Party Services is solely a relationship between you and the applicable third-party terms and conditions. We recommend that you carefully review any terms and conditions governing the use of those Third Party- Services. We will not be liable for, any issues with, or caused by, the Third-Party Services.

9. Acceptable Use

You represent and warrant that you will use and access the Services only in accordance with the Terms and the applicable law. Without prejudice to the generality of the foregoing and to the greatest extent permitted by the applicable law, you agree not to:

a) Post, upload, create, publish, store, submit, transmit, or otherwise share any User Content that: (i) is confidential and for which you do not have all necessary rights to disclose or to grant us the license described above; (ii) may or does infringe, misappropriate, or violate a third-party's patent, copyright, trademark, trade secret, moral rights, or other intellectual property rights, or rights of publicity or privacy; (iii) violates, or encourages any conduct that would violate, these Terms, the rights of any party, or otherwise create liability or violate any applicable law or would give rise to civil or criminal liability; (iv) is fraudulent, false, misleading, or deceptive; (v) is defamatory, obscene, pornographic, offensive, unlawful, libelous, or abusive; (vii) promotes discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group; (viii) is violent or threatening or promotes violence or actions that are threatening to any person or entity; (ix) promotes illegal or harmful activities or substances; (x) contains any unsolicited or unauthorized promotions, political campaigning, advertising, or solicitations; or (xi) in our reasonable judgment, is objectionable, restricts, or inhibits any other person from using or enjoying the Services, or may expose BibleChat or others to any harm or liability of any type;

b) alter, adapt, merge, modify, translate, decompile, disassemble, develop versions or derivative works, reverse engineer, upgrade, improve or extend, the Services and their features or functionalities;

c) record the messages provided through the Services;

d) remove, alter, modify or appropriate or use as their own, any proprietary markings included in the Services;

e) upload, post, email or otherwise send or transmit or introduce any material that contains software viruses, or any other computer code, files or programs designed to interrupt, harm, damage, destroy or limit the functionality of any computer software or hardware or equipment linked directly or indirectly with the Services;

f) circumvent or disable any technological features or measures in the Services for protection or control;

g) resell, sublicense, assign, transfer, rent, lease, lend or otherwise distribute the rights under the Terms;

h) use or access the Services to compile data in a manner that is used or usable by a competitive product or service;

i) access or use the Services in an unauthorized manner, including in violation of the applicable law or any person's rights;

j) circumvent any restrictions applied to the Services;

k) use or access the Services for any purposes related to scientific research, analysis or evaluation of the Services without the express written consent of BibleChat;

l) access, use or search the Services, scrape, or extract data or other content from the Services, including through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, data mining tools, or the like);

m) engage in any prohibited, manipulative, deceptive, unethical or illegal acts and practices in relation with the Services;

n) use or copy our trade name, trademark, service mark, logo, domain name and/or any other identification with notable brand features or other content owned by the BibleChat Parties without express written authorization from BibleChat;

o) export, import or otherwise distribute the Services in breach of export control regulations.

We reserve the right to immediately terminate your access to or use of our Services if we believe, in our sole discretion, that you exhibit such behavior or you violate or attempt to violate any applicable law or breach these Terms. We reserve the right to contact emergency services to the extent that we believe, at our sole discretion, that you pose an imminent threat of harm to yourself, to property, or to another person.

10. Assumption of risk

By granting you the right to use and access the Services, BibleChat does not assume any obligation or liability with respect to your health, your mental and physical activity or condition. As between you and BibleChat, you are solely responsible for your use of the Services and your health, both mental and physical, and any medical conditions and treatment related thereto.

11. Indemnity

You agree to defend, indemnify, and hold BibleChat, its officers, directors, employees, agents, licensors, and suppliers, harmless from and against any claims, actions, damages or demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, resulting from or in relation with, or alleged to result from or in relation with, your acts and omissions, User Content, your use of and access to the Services and the Outputs, your use of and access to Third- Party Services, violation of this Agreement, of the applicable law and/or any third-party rights.

12. Disclaimers

THE SERVICES AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICES ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. BIBLECHAT DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICES AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH OR IN RELATION WITH THE SERVICES, INCLUDING ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, ACCURACY, AVAILABILITY, RELIABILITY, SECURITY, PRIVACY, COMPATIBILITY, NON-INFRINGEMENT, AND ANY WARRANTY IMPLIED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE. BIBLECHAT DOES NOT WARRANT THAT THE SERVICES OR ANY PORTION OF THE SERVICES, OR ANY MATERIALS OR OUTPUTS OR CONTENT OFFERED THROUGH THE SERVICES, WILL BE UNINTERRUPTED, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND BIBLECHAT DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICES WILL CREATE ANY WARRANTY FROM US THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU UNDERSTAND AND AGREE WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY, PERSON OR ANY LOSS OF DATA AND THAT YOU ARE USING THE SERVICES AT YOUR OWN RISK. WE DISCLAIM AND MAKE NO REPRESENTATION OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, CORRECTNESS, RELIABILITY OR SUITABILITY FOR ANY PURPOSE OF THE SERVICES AND F THE MATERIALS AND INFORMATION PUBLISHED OR OFFERED AS PART OF THE SERVICES.

THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

13. Liability

IN NO EVENT SHALL BIBLECHAT, ITS OFFICERS, DIRECTORS, AGENTS, AFFILIATES, EMPLOYEES, PARTNERS, OR COLLABORATORS ("BIBLECHAT PARTIES") BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, LOSS OF REPUTATION, OR LOSS OR CORRUPTION OF DATA). UNDER NO CIRCUMSTANCES WILL THE BIBLECHAT PARTIES BE LIABLE FOR ANY CLAIMS THAT MAY BE ASSERTED, GRANTED OR IMPOSED AGAINST, ARISING FROM, OR IN CONNECTION WITH ANY THIRD-PARTY SERVICES, OR YOUR INPUTS, DATA OR USER CONTENT. IN NO EVENT WILL BIBLECHAT PARTIES' TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICESS EXCEED THE AMOUNTS YOU HAVE PAID TO BIBLECHAT FOR USE OF THE SERVICES IN ADVANCE OR ONE HUNDRED DOLLARS ($100) IF YOU HAVE NOT HAD ANY PAYMENT OBLIGATIONS TO THE COMPANY, AS APPLICABLE. THE BIBLECHAT PARTIES ARE NOT LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR OWN ACTIONS AND OMMISSIONS AND USE OR MISUSE OF THE SERVICES CONTRARY TO THE LAW OR THE TERMS. WE WILL NOT BE LIABLE FOR ANY FORESEEABLE LOSSES UPON ENTERING THE TERMS OR USING THE SERVICES.

14. Applicability of Limitations

The foregoing will apply to the extent permitted under applicable law, regardless of whether the claim arises from contract or tort (including but not limited to negligence), equity or otherwise and regardless of the theory of liability, but will not limit payment obligations on subscription fees under the Terms, and shall apply irrespective of whether you have been advised or not of the possibility of such damage. The Terms allocate the risks between the parties, and the fees for the Services reflect this allocation of risk and limitations of liability.

The BibleChat Parties are intended to be a third-party beneficiary of these limitations and of your obligations hereunder and under these Terms.

14. Termination

We may suspend or terminate your access to the Services at any time without notice to you if: (i) you have materially breach any of your obligations hereunder or the applicable law; (ii) we need to comply with third-party party rights or any orders imposed by public authorities; (iii) we must comply with applicable law or we need to prevent harms to the legality, safety and security of others.

We can terminate for convenience your subscription with a 5 calendar days prior notice.

You may terminate your access and use of the Services at any time.

Upon termination of these Terms, a subscription, or your access or use to the Services, the rights granted to you under our Terms (or any subscription) to access and use our Services will immediately terminate, and we may at our option delete any User Content or other data associated with your account.

15. Feedback Policy

We welcome feedback ("Feedback"). If you choose to share with us ideas, suggestions, or other Feedback in relation to the Services, such Feedback will be considered non-confidential and you hereby grant to BibleChat an exclusive, worldwide, royalty-free and perpetual license in and to the rights in the Feedback (including, but not limited to copyright and related rights, database rights, trade secret, trademark, and know-how and any and all other intellectual property rights) to use, store, publish, translate, reproduce, adapt, copy, modify, create derivative works based upon, publicly display, publicly perform, and distribute your Feedback and to train and improve our Services and to provide the Services in all media formats and channels now known or later developed.

16. Notification and removal of Illegal Content

You acknowledge that BibleChat has no general obligation to monitor the use of the Services and verify information provided by our Users, but has the right to review, disable access, remove, or edit User Content to: (i) operate, secure and improve the Services (including, without limitation for fraud prevention, risk assessment, investigation and customer support purposes); (ii) ensure Members' compliance with these Terms; (iii) comply with applicable law (iv) address User Content that we determine is harmful or objectionable; and (v) take any actions as set out in these Terms;.

The Services may not be used by you in a way that results in providing Illegal Content. Illegal Content represents any information, text, documents, or User Content, or other materials that violate these Terms, the applicable law or any valid rights ("Illegal Content"). If you have reason to believe that the Services include any Illegal Content, we encourage you to send a notice to that effect to[email protected]. BibleChat will send a confirmation of receipt if the notification includes:

(a) A well-supported explanation detailing the reasons why you claim the information in question constitutes Illegal Content;
(b) a clear indication of the exact electronic location of that information, such as the exact URL or URLs, and, where necessary, additional information enabling the identification of the Illegal Content;
(c) your name and e-mail address;
(d) a statement confirming that your information and claims are accurate and comprehensive.

Owners of copyrighted works in the United States who believe that their rights under copyright law have been infringed may take advantage of certain provisions of the US Digital Millennium Copyright Act of 1998 (the "DMCA") to report alleged infringements. Notices under DMCA may be sent to[email protected] and must include:

(e) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
(f) A description of the copyrighted work or other intellectual property that you claim has been infringed;
(g) A description of where the material that you claim is infringing is located on the Services;
(h) Your address, telephone number, and email address;
(i) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
(j) A statement by you, made under penalty of perjury, that the information contained in your report is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

In the case we remove or disable User Content, we will notify the Member and provide the reasons for such a measure, unless such notification would (i) prevent or impede the detection or prevention of fraud or other illegal activities, (ii) harm the legitimate interests of other Members or third parties, or (iii) contravene applicable laws. Members may appeal such a decision by contacting us at[email protected] .

If your contact details are known and you comply with the applicable requirements above, BibleChat will acknowledge receipt of the notice without undue delay. If BibleChat has information about the alleged infringement and the notification is found to be justified, BibleChat will provide the affected person with a statement of reasons as to why his or her content was flagged as being Illegal Content. All parties involved will work in good faith to amicably resolve any dispute related to this issue.

If you are a resident of the European Union, you shall be entitled to select any out-of-court dispute settlement body that has been certified in accordance with the Digital Services Act (Regulation (EU) 2022/2065) in order to resolve disputes relating to decisions on Illegal Content, including complaints that have not been resolved by the means of our complaint-handling system referred hereunder.

17. Governing Law and Dispute Resolution

To the greatest extent permitted by the applicable law, you agree, as a prior condition for any claim, to settle amicably any dispute arising out of or relating to these Terms within ninety (90) days from the applicable notice, as otherwise you will cover, as applicable, our litigation or arbitration costs of, irrespective of the outcome.

This Agreement shall be governed by and construed in accordance with the laws of Romania, without reference to any of their conflicts of law's provisions. The Uniform Computer Information Transaction Act and the United Nations Convention on the International Sale of Goods shall not apply.

For any dispute arising out of or relating to this Agreement (if the parties do not reach a settlement within 90 days), you consent to personal jurisdiction in, and at the exclusive venue of, the courts situated in Bucharest, Romania. You hereby irrevocably waive any objection and defense (including, any defense of an inconvenient forum) which either may have to the bringing or maintenance of any such claim.

YOU KNOWINGLY, VOLUNTARILY AND INTENTIONALLY WAIVE ANY RIGHT THEY MAY HAVE TO TRIAL BY JURY IN ANY CLAIM UNDER OR IN CONNECTION WITH THE TERMS AND THE SERVICES.

If you are a resident of any European Union country and the United Kingdom, you may also file a claim with the courts of your domicile.

Any claim or dispute you may have shall be time-barred unless you commence formal dispute resolution proceedings within one (1) year after the basis for such dispute or claim became known or should have become known to you, provided, however, that the one-year period shall be deemed suspended during any settlement negotiations with us.

To the fullest extent permitted under applicable law, you agree that you may bring disputes against any BibleChat Parties only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding, and you are waiving the right to participate in a consolidated proceeding, if any.

If you are resident in the European Economic Area and wish to have more information on online dispute resolution, please follow this link to the website of the European Commission: http://ec.europa.eu/consumers/odr/. This link is provided as required by Regulation (EU) No 524/2013 of the European Parliament and of the Council, for information purposes only. We are not obliged to participate in online dispute resolution.

18. General

BibleChat may transfer its rights and obligations under these Terms to any company, firm or person at any time. You may not transfer your rights or obligations under these Terms to anyone else. There are no third-party beneficiaries to your rights hereunder.

No waiver by BibleChat of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any delay or failure of BibleChat to assert, exercise or enforce any right or provision under these Terms shall not constitute a waiver of such right or provision.

We will not be liable to you for any lack of performance, or the unavailability or failure of the Services, or for any failure or delay in complying with these Terms, where such lack, unavailability or failure arises from any cause beyond our reasonable control.

Unless otherwise specifically indicated, all your notices shall be sent at [email protected]. You can also contact us at 22-26 Siriului street, 3rd floor, Bucharest, District 1, Romania, identified with 2024012185403 and European registration no. ROONRC.J2024012185403, with sole registration number 41224145. We may notify you at the email address you provide to us when you register, or in any of the ways specified in these Terms, including via the Services.

If any provision or part of a provision of these Terms is held unlawful, invalid, or unenforceable, that provision or part of the provision will be enforced to the maximum extent permissible and is deemed severable from these Terms, and the other provisions of these Terms will remain in full force and effect.

Any other provisions that, by their content, are intended to survive the performance, expiration or termination of the Terms (whether or not expressly stated) shall remain valid and in force.

19. Acceptance of Terms

You conclude the present Terms on your own behalf and for yourself, after having analyzed it personally (or, as the case may be, after having been analyzed by your consultants) and you understand entirely and accept the rights and obligations set out therein. Each clause of these Terms has been carefully read and negotiated as you considered necessary, including, without limitation, any clause related to (a) the limitation of the liability, (b) the applicable law and the legal jurisdiction, (c) the limitation or waiver of any rights, (d) the warranties and disclaimers, and it is accepted by you, including in relation to all of the foregoing, without limitation, clauses/sections "Assumption of risk", "Disclaimers", "Indemnity", "Liability", "Termination", "Acceptable Use", "Governing Law and Dispute Resolution", "General", "User Content", "Subscription & Purchases", "License to Services", "Third-Party Services", "Changes to Terms and to the Services", "Use or Access".