FOLKSALERT, LLC Podcast

Terms & Conditions ("Terms")

Effective Date: January 5, 2023

PLEASE READ THIS AGREEMENT CAREFULLY. IT SETS FORTH THE LEGALLY BINDING TERMS AND CONDITIONS FOR YOUR ACCESS TO THE PODCAST.

THESE TERMS REQUIRE YOU ARBITRATE ANY DISPUTES YOU HAVE WITH US AND YOU WAIVE THE ABILITY TO BRING CLAIMS AGAINST US IN A CLASS ACTION FORMAT.

Introduction

If you want to download and/or listen to an Folksalert, LLC ("Folksalert") podcast ("Podcast"), then carefully read these entire Terms (including all links to details), as they constitute a written agreement between you and us and they affect your legal rights and obligations. Each time you access and/or use the Podcast (other than to simply read these Terms), you agree to be bound by and comply with these Terms and any Additional Terms (defined below) then posted. Therefore, do not listen to the Podcast if you do not agree. The business realities associated with operating the Podcast are such that, without the limitations that are set forth in these Terms, such as your grants and waivers of rights, the limitations on our liability, your indemnity of us, and the arbitration of certain disputes - we would not make the Podcast available to you.

By accessing and/or listening to the Podcast, you agree to be bound by these Terms. In some

instances, both these Terms and separate guidelines, rules, or terms of use or sale setting forth additional or different terms and/or conditions will apply to your use of the Podcast or to a service or product offered via the Podcast (in each such instance, and collectively " Additional Terms"). To the extent there is a conflict between these Terms and any Additional Terms, the Additional Terms will control unless the Additional Terms expressly state otherwise. Additionally, certain features and services made available through the Podcast from time to time may be governed by different terms of use.

Linkable Table of Contents

It is important that you read and understand these entire Terms before using the Podcast. To ease review, each section below includes a brief introductory summary and a link to the full explanation. Please note that the complete provisions, and not the headings or summaries shall govern. You can click on the headings and "More" buttons to be taken to the full explanation. Any capitalized terms have the meanings given to them where defined in the Terms.

Full Details of the Terms of Use

Podcast Content, Ownership, Limited License and Rights of Others

Content . The Podcast contains a variety of: (i) materials and other items relating to

Company, and its products and services, and similar items from our licensors and other third parties, including all layout, information, articles, posts, text, data, files, images, scripts, designs, graphics, button icons, instructions, illustrations, photographs, audio clips, show content, music, sounds, pictures, videos, advertising copy, URLs, technology, software,

interactive features, the "look and feel" of the Podcast, and the compilation, assembly, and arrangement of the materials of the Podcast and any and all copyrightable material (including source and object code); (ii) trademarks, trade dress, logos, trade names, service marks, and/or trade identities of various parties, including those of Company (collectively,

" Trademarks"); and (iii) other forms of intellectual property (all of the foregoing, collectively " Content"). NO CONTENT IS INTENDED TO CONSTITUTE PROFESSIONAL ADVICE, WHETHER MEDICAL, FINANCIAL, LEGAL OR OTHERWISE. COMPANY AND THOSE

POSTING OR OTHERWISE PROVIDING INFORMATION, CONTENT OR MATERIAL ARE NOT RESPONSIBLE OR LIABLE FOR ANY CONSEQUENCES RELATING DIRECTLY OR INDIRECTLY TO ANY ACTION OR INACTION YOU TAKE BASED ON THE INFORMATION, CONTENT OR OTHER MATERIAL ON THE PODCAST. You understand

that by using and accessing the Podcast, you may encounter Content that you may deem to be offensive or objectionable, and that such Content may or may not be identified as having explicit material. Nevertheless, you agree to the use of the Podcast at your sole risk and

Company shall have no liability to you for material that may be found to be offensive or objectionable.
Ownership . The Podcast (including past, present, and future versions) and the Content are owned or controlled by Company, our licensors and/or certain other third parties. All right, title, and interest in and to the Content available via the Podcast is the property of Company or our licensors or certain other third parties, and is protected by U.S. and international copyright, trademark, trade dress, patent, and/or other intellectual property and unfair competition rights and laws to the fullest extent possible. Company owns the copyright in the selection, compilation, assembly, arrangement, and enhancement of the Content on the

Podcast.
Limited License . Subject to your strict compliance with these Terms and any Additional Terms, Company grants you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable license to: (i) download (temporary storage only), display, view, use, play, and/or print one copy of the Content (excluding source and object code in raw form or otherwise, other than as made available to access and use to enable display and functionality) on a personal computer, mobile phone or other wireless device, or other Internet enabled device (each, a "Device ") for your personal, non-commercial use only. The foregoing limited license: (i) does not give you any ownership of, or any other intellectual property interest in, any Content, and (ii) may be immediately suspended or terminated for any reason, in Company's sole discretion, and without advance notice or liability. In some

instances, we may permit you to have greater access to and use of Content, subject to certain Additional Terms.
Rights of Others . When using the Podcast, you must respect the intellectual property and other rights of Company and others. Your unauthorized use of Content may violate copyright, trademark, privacy, publicity, communications, and other laws, and any such use may result

in your personal liability, including potential criminal liability.

Podcast and Content Use Restrictions

Podcast Use Restrictions . You agree that you will not: (i) use the Podcast for any political or commercial purpose (including, without limitation, for purposes of advertising, soliciting

funds, collecting product prices, and selling products); (ii) use any meta tags or any other

"hidden text" utilizing any Trademarks; (iii) engage in any activities through or in connection with the Podcast that seek to attempt to or do harm any individuals or entities or are unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, bullying, harassing, or abusive, or that violate any right of any third party, or are otherwise objectionable to

Company; (iv) reverse engineer, decompile, disassemble, reverse assemble, or modify any Podcast source or object code or any software or other products, services, or processes

accessible through any portion of the Podcast; (v) engage in any activity that interferes with a user's access to the Podcast or the proper operation of the Podcast, or otherwise causes harm to the Podcast, Company, or other users of the Podcast; (vi) interfere with or circumvent any security feature of the Podcast or any feature that restricts or enforces

limitations on use of or access to the Podcast, the Content, or the User-Generated Content (defined below); (vii) harvest or otherwise collect or store any information (including personally identifiable information about other users of the Podcast, including email addresses, without the express consent of such users); (viii) attempt to gain unauthorized access to the Podcast, other computer systems or networks connected to the Podcast, through password mining or any other means; (ix) submit any software or other materials that contain any viruses, worms, Trojan horses, defects, date bombs, time bombs, or other

items of a destructive nature; (x) manipulate identifiers, including by forging headers, in order to disguise the origin of any User Content that you submit; (xi) "frame" or "mirror" any part of the Podcast; (xii) remove any copyright, trademark, or other proprietary rights notices contained on the Podcast; (xiii) use any computer program, bot, robot, spider, offline reader, site search/retrieval application, or other manual or automatic device, tool, or process to retrieve, index, data mine, or in any way reproduce or circumvent the security structure, navigational structure, or presentation of the Content or the Podcast. Operators of public search engines may use spiders to copy materials from the Podcast for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. We may revoke this exception at any time and require removal of archived materials gathered in the past; (xiv) use any automated software or computer system to search for, reserve, buy, or otherwise obtain discount codes, promotional codes, vouchers, credits, gift cards, or any other items available on the Podcast, including sending information from your computer to another computer where such software or system is active; (xv) take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on our infrastructure; or (xvi) otherwise violate these Terms or any Additional Terms.
Content Use Restrictions . You also agree that, in using the Podcast: (i) you will not monitor, gather, copy, or distribute the Content (except as may be a result of standard search engine activity or use of a standard browser) on the Podcast by using any robot, rover, "bot", spider, scraper, crawler, spyware, engine, device, software, extraction tool, or any other automatic device, utility, or manual process of any kind; (ii) you will not frame or utilize framing techniques to enclose any such Content (including any images, text, or page layout);

(iii) you will keep intact all Trademark, copyright, and other intellectual property notices contained in such Content; (iv) you will not use such Content in a manner that suggests an unauthorized association with any of our or our licensors' products, services, or brands; (v) you will not make any modifications to such Content; (vi) you will not copy, modify, reproduce, archive, sell, lease, rent, exchange, create derivative works from, publish by hard

copy or electronic means, publicly perform, display, disseminate, distribute, broadcast, retransmit, circulate or transfer to any third party or on any third-party application or website, or otherwise use or exploit such Content in any way for any purpose except as specifically permitted by these Terms or any Additional Terms or with the prior written consent of an officer of Company or, in the case of Content from a licensor, the owner of the Content; and

(vii) you will not insert any code or product to manipulate such Content in any way that adversely affects any user experience.
Availability of Podcast and Content. Company may immediately suspend or terminate the availability of the Podcast and Content (and any elements and features of them), in whole or in part, for any reason, in Company's sole discretion, and without advance notice or liability.
Reservation of All Rights Not Granted as to Content and Podcast . These Terms and any Additional Terms include only narrow, limited grants of rights to Content and to use and access the Podcast. No right or license may be construed, under any legal theory, by

implication, estoppel, industry custom, or otherwise. All rights not expressly granted to you are reserved by Company and its licensors and other third parties. Any unauthorized use of any Content or the Podcast for any purpose is prohibited .

Feedback You Submit

General . Company may now or in the future offer users of the Service the opportunity to post, upload, display, publish, distribute, transmit or otherwise make available on or submit through the Service, messages, text, files, comments, responses, information, content, results, reviews, suggestions, personally identifiable information, or other information or materials and the ideas contained therein (collectively, "User-Generated Content ").

Company may allow you to do this through contact us, email, and other communications functionality. Subject to the rights and license you grant in these Terms, you retain whatever legally cognizable right, title, and interest that you have in your User-Generated Content and you remain ultimately responsible for it.
Non-Confidentiality of Your User-Generated Content . Except as otherwise described in any Additional Terms, you agree that: (a) your User-Generated Content will be treated as non-confidential — regardless of whether you mark them "confidential," "proprietary," or the like — and will not be returned; and (b) Company does not assume any obligation of any

kind to you or any third party with respect to your User-Generated Content. Upon Company's request, you will furnish us with any documentation necessary to substantiate the rights to such content and to verify your compliance with these Terms or any Additional Terms. You acknowledge that the Internet and mobile communications may be subject to breaches of security and that you are aware that submissions of User-Generated Content may not be secure, and you will consider this before submitting any User-Generated Content and do so at your own risk. In your communications with Company, please keep in mind that we do not seek any unsolicited ideas or materials for products or services, or even suggested

improvements to products or services, including, without limitation, ideas, concepts, inventions, or designs for websites, services, products or otherwise (collectively,

" Unsolicited Ideas and Materials"). Any Unsolicited Ideas and Materials you post on or send to us via the Service are deemed User-Generated Content and licensed to us as set forth below. In addition, Company retains all of the rights held by members of the general

public with regard to your Unsolicited Ideas and Materials. Company's receipt of your

Unsolicited Ideas and Materials is not an admission by Company of their novelty, priority, or originality, and it does not impair Company's right to contest existing or future intellectual property rights relating to your Unsolicited Ideas and Materials.
License to Company of Your User-Generated Content . Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your

User-Generated Content), you hereby grant to Company, and you agree to grant to

Company, the non-exclusive, unrestricted, unconditional, unlimited, worldwide, irrevocable, perpetual, and cost-free right and license to use, copy, record, distribute, reproduce, disclose, sell, re-sell, sublicense (through multiple levels), display, publicly perform, transmit, publish, broadcast, translate, make derivative works of, and otherwise use and exploit in any manner whatsoever, all or any portion of your User-Generated Content (and derivative works thereof), for any purpose whatsoever in all formats, on or through any means or medium now known or hereafter developed, and with any technology or devices now known or hereafter developed, and to advertise, market, and promote the same. Without limitation, the granted rights include the right to: (a) configure, host, index, cache, archive, store, digitize, compress, optimize, modify, reformat, edit, adapt, publish in searchable format, and remove such

User-Generated Content and combine same with other materials, and (b) use any ideas, concepts, know-how, or techniques contained in any User-Generated Content for any purposes whatsoever, including developing, producing, and marketing products and/or services. In order to further effect the rights and license that you grant to Company to your User-Generated Content, you also hereby grant to Company, and agree to grant to

Company, the unconditional, perpetual, irrevocable right to use and exploit your name, persona, and likeness in connection with any User-Generated Content, without any obligation or remuneration to you. Except as prohibited by law, you hereby waive, and you agree to waive, any moral rights (including attribution and integrity) that you may have in any User-Generated Content, even if it is altered or changed in a manner not agreeable to you. To the extent not waivable, you irrevocably agree not to exercise such rights (if any) in a manner that interferes with any exercise of the granted rights. You understand that you will not receive any fees, sums, consideration, or remuneration for any of the rights granted in this Section 3(C).

Notices and Questions

You agree that: (i) we may give you notices of new, revised or changed terms and other important matters by prominently posting notice on the homepage of the Podcast, or in another reasonable manner that we may elect; and (ii) we may contact you by mail or email sent to the address provided by you. You agree to promptly notify us if you change your email or mailing address by updating your account information.

If you have a question regarding using the Podcast, you may contact us at support@folksalet.com . You acknowledge that the provision of customer support is at Company's sole discretion and that we have no obligation to provide you with customer support of any kind.

Links by You to the Podcast

We grant you a limited, non-exclusive, revocable, non-assignable, personal, and non-transferable

license to create hyperlinks to the Podcast, so long as: (a) the links only incorporate text, and do not use any Trademarks, (b) the links and the content on your website do not suggest any affiliation with Company or cause any other confusion, and (c) the links and the content on your website do not portray Company or its products or services in a false, misleading, derogatory, or otherwise offensive matter, and do not contain content that is unlawful, offensive, obscene, lewd, lascivious, filthy, violent, threatening, harassing, or abusive, or that violate any right of any third party or are otherwise objectionable to Company. Company reserves the right to suspend or prohibit linking to the Podcast for any reason, in its sole discretion, without advance notice or any liability of any kind to you or any third party.

Linked-To Websites; Advertisements; Dealings with Third Parties

Linked Services; Advertisements . The Podcast may contain links, as part of third-party ads on the Podcast or otherwise, to or from third-party websites ("Linked Services "),

including websites operated by advertisers, licensors, licensees, and certain other third parties who may have business relationships with Company. Company may have no control over the content, operations, policies, terms, or other elements of Linked Services, and

Company does not assume any obligation to review any Linked Services. Company does not endorse, approve, or sponsor any Linked Services, or any third-party content, advertising,

information, materials, products, services, or other items. Furthermore, Company is not responsible for the quality or delivery of the products or services offered, accessed, obtained by or advertised at such Linked Services. Finally, Company will under no circumstances be

liable for any direct, indirect, incidental or special loss or other damage, whether arising from negligence, breach of contract, defamation, infringement of copyright or other intellectual property rights, caused by the exhibition, distribution or exploitation of any information or content contained within these third-party Linked Services. Any activities you engage in connection with any of the same are subject to the privacy and other policies, terms and conditions of use and/or sale, and rules issued by the operator of the Linked Services.

Company disclaims all liability in connection therewith.
Dealings with Third Parties . Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through the Podcast (including on or via Linked Services or advertisements) are solely between you and the third party (including

issues related to the content of third-party advertisements, payments, delivery of goods,

warranties (including product warranties), privacy and data security, and the like). Company disclaims all liability in connection therewith.

Wireless Features

Wireless Features . The Podcast may offer certain features and services that are available to you via your wireless Device. These features and services may include the ability to access the Podcast's features and upload content to the Podcast, receive messages from the Podcast, and download applications to your wireless Device (collectively, "Wireless Features "). Standard messaging, data, and other fees may be charged by your carrier to participate in Wireless Features. Fees and charges may appear on your wireless bill or be deducted from your pre-paid balance. Your carrier may prohibit or restrict certain Wireless Features and certain Wireless Features may be incompatible with your carrier or wireless Device. You should check with your carrier to find out what plans are available and how much they cost. Contact your carrier with questions regarding these issues.
Terms of Wireless Features . You agree that as to the Wireless Features for which you are registered, we may send communications to your wireless Device regarding us or other parties. Further, we may collect information related to your use of the Wireless Features. If you have registered via the Podcast for Wireless Features, then you agree to notify us of any changes to your wireless contact information (including phone number).

Dispute Resolution

If you reside in the U.S. (and as applicable to U.S. residents), certain portions of this Section 8 are deemed to be a "written agreement to arbitrate" pursuant to the Federal Arbitration Act. You and

Company agree that we intend that this Section 8 satisfies the "writing" requirement of the Federal Arbitration Act.

First — Try to Resolve Disputes and Excluded Disputes . If any controversy, allegation, or claim arises out of or relates to the Podcast, the Content, your User-Generated Content, these Terms, or any Additional Terms, whether heretofore or hereafter arising (collectively,

" Dispute"), or to any of Company's actual or alleged intellectual property rights (an

" Excluded Dispute", which includes those actions set forth in Section 8(D), then you and we agree to send a written notice to the other providing a reasonable description of the Dispute or Excluded Dispute, along with a proposed resolution of it. Our notice to you will be sent to you based on the most recent contact information that you provide us. But if no such

information exists or if such information is not current, then we have no obligation under this Section 8(A). Your notice to us must be sent via email to: legal@folksalert.com . For a period of sixty (60) days from the date of receipt of notice from the other party, Company and you

will engage in a dialogue in order to attempt to resolve the Dispute or Excluded Dispute, though nothing will require either you or Company to resolve the Dispute or Excluded

Dispute on terms with respect to which you and Company, in each of our sole discretion, are not comfortable.
Binding Arbitration . If we cannot resolve a Dispute as set forth in Section 8(A) (or agree to arbitration in writing with respect to an Excluded Dispute) within sixty (60) days of receipt of the notice, then ANY AND ALL DISPUTES ARISING BETWEEN YOU AND COMPANY (WHETHER BASED IN CONTRACT, STATUTE, REGULATION, ORDINANCE, TORT— INCLUDING, BUT NOT LIMITED TO, FRAUD, ANY OTHER INTENTIONAL TORT OR

NEGLIGENCE,—COMMON LAW, CONSTITUTIONAL PROVISION, RESPONDEAT

SUPERIOR, AGENCY OR ANY OTHER LEGAL OR EQUITABLE THEORY), WHETHER

ARISING BEFORE OR AFTER THE EFFECTIVE DATE OF THESE TERMS, MUST BE RESOLVED BY FINAL AND BINDING ARBITRATION. THIS INCLUDES ANY AND ALL DISPUTES BASED ON ANY PRODUCT OR SERVICE PURCHASED THROUGH THE

PODCAST OR ADVERTISING AVAILABLE ON OR THROUGH THE PODCAST. For U.S.

residents, the Federal Arbitration Act (" FAA"), not state law, shall govern the arbitrability of all disputes between Company and you regarding these Terms (and any Additional Terms) and the Podcast, including the "No Class Action Matters" Section below. BY AGREEING TO

ARBITRATE, EACH PARTY IS GIVING UP ITS RIGHT TO GO TO COURT AND HAVE ANY

DISPUTE HEARD BY A JUDGE OR JURY. Company and you agree, however, that the applicable state, federal or provincial law, as contemplated in Section 8(H) below, shall apply to and govern, as appropriate, any and all claims or causes of action, remedies, and damages arising between you and Company regarding these Terms and the Podcast,

whether arising or stated in contract, statute, common law, or any other legal theory, without regard to any jurisdiction's choice of law principles.

Any Dispute will be resolved solely by binding arbitration in accordance with the then-current Commercial Arbitration Rules (" Rules") of the American Arbitration Association (" AAA"), except as modified herein, and the arbitration will be administered by the AAA. If a party properly submits the Dispute to the AAA for formal arbitration and the AAA is unwilling to set a hearing then either party can elect to have the arbitration administered by the Judicial

Arbitration and Mediation Services Inc. (" JAMS") using JAMS' streamlined Arbitration Rules and Procedures, or by any other arbitration administration service that you and an officer or legal representative of Company consent to in writing. If an in-person arbitration hearing is required and you are a U.S. resident, then it will be conducted in Los Angeles County,

California. You and we will pay the administrative and arbitrator's fees and other costs in accordance with the applicable arbitration rules; but if applicable arbitration rules or laws require Company to pay a greater portion or all of such fees and costs in order for this

Section 8 to be enforceable, then Company will have the right to elect to pay the fees and costs and proceed to arbitration. The arbitration will be conducted by a single arbitrator who will apply and be bound by these Terms and any Additional Terms, and will determine any

Dispute according to applicable law and facts based upon the record and no other basis, and will issue a reasoned award only in favor of the individual party seeking relief and only to the extent to provide relief warranted by that party's individual claim. All issues are for the arbitrator to decide, except that issues relating to the scope and enforceability of the arbitration and class action waiver provisions are for the court to decide. This arbitration provision shall survive termination of these Terms or the Podcast. You can obtain AAA and JAMS procedures, rules, and fee information as follows: AAA: 800.778.7879 and http://www.adr.org and JAMS: 800.352.5267 and http://www.jamsadr.com .
Limited Time to File Claims . TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF YOU OR WE WANT TO ASSERT A DISPUTE (BUT NOT A EXCLUDED DISPUTE) AGAINST THE OTHER, THEN YOU OR WE MUST COMMENCE IT (BY DELIVERY OF

WRITTEN NOTICE AS SET FORTH IN SECTION 8(A)) WITHIN ONE (1) YEAR AFTER THE DISPUTE ARISES -- OR IT WILL BE FOREVER BARRED. Commencing means, as

applicable: (a) by delivery of written notice as set forth above in Section 8(A); (b) filing for arbitration as set forth in Section 8(B); or (c) filing an action in state, Federal or provincial court.
Injunctive Relief . The foregoing provisions of this Section 8 will not apply to any legal action taken by Company to seek an injunction or other equitable relief in connection with, any loss, cost, or damage (or any potential loss, cost, or damage) relating to the Podcast, any

Content, your User-Generated Content and/or Company's intellectual property rights (including such Company may claim that may be in dispute), Company's operations and/or Company's products or services.
No Class Action Matters . YOU AND COMPANY AGREE THAT EACH MAY BRING

CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR

REPRESENTATIVE PROCEEDING OR AS AN ASSOCIATION. Disputes will be arbitrated only on an individual basis and will not be joined or consolidated with any other arbitrations or other proceedings that involve any claim or controversy of any other party. There shall be no right or authority for any Dispute to be arbitrated on a class action basis or on any basis involving Disputes brought in a purported representative capacity on behalf of the general public, or other persons or entities similarly situated. But if, for any reason, any court with

competent jurisdiction holds that this restriction is unconscionable or unenforceable, then our agreement in Section 8(B) to arbitrate will not apply and the Dispute must be brought exclusively in court pursuant to Section 8(F). Notwithstanding any other provision of this

Section 8, any and all issues relating to the scope, interpretation and enforceability of the class action waiver provisions contained herein (described in this "No Class Action Matters" section), are to be decided only by a court of competent jurisdiction, and not by the arbitrator. The arbitrator does not have the power to vary these class action waiver provisions.
Jurisdictional Issues . Except where arbitration is required above or with respect to the enforcement of any arbitration decision or award, any action or proceeding relating to any Dispute or Excluded Dispute arising hereunder may only be instituted in state or Federal court in Los Angeles County, California. Accordingly, you and Company consent to the exclusive personal jurisdiction and venue of such courts for such matters.
Small Claims Matters Are Excluded from Arbitration Requirement . Notwithstanding the foregoing, either of us may bring qualifying claim of Disputes (but not Excluded Disputes) in small claims court of competent jurisdiction.
Governing Law . These Terms and any Additional Terms will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be resolved in accordance with the laws of the State of California, without regard to its conflicts of law provisions

DISCLAIMER OF REPRESENTATIONS AND WARRANTIES

YOUR ACCESS TO AND USE OF THE PODCAST IS AT YOUR SOLE RISK. THE PODCAST IS PROVIDED ON AN "AS IS", "AS AVAILABLE", AND "WITH ALL FAULTS" BASIS. Therefore, to the

fullest extent permissible by law, OWN, its parent companies and subsidiaries, and each of their respective employees, officers, directors, members, managers, shareholders, agents, vendors,

licensors, licensees, contractors, customers, successors, and assigns (collectively, the "Company Parties"), hereby disclaim and make no representations, warranties, endorsements, or promises, express or implied, as to:

the Podcast (including the Content and the User-Generated Content);
the functions, features, or any other elements on, or made accessible through, the Podcast;
any products, websites or instructions offered or referenced at or linked through the Podcast;
security associated with the transmission of your User-Generated Content transmitted to Company via the Podcast;
whether the Podcast or the servers that make the Podcast available are free from any harmful components (including viruses, Trojan horses, and other technologies that could adversely impact your Device);
whether the information (including any instructions) on the Podcast is accurate, complete, correct, adequate, useful, timely, reliable or safe;
whether any defects to, or errors on, the Podcast will be repaired or corrected;
whether your access to the Podcast will be uninterrupted, timely, secure or error-free;
whether the Podcast will be available at any particular time or location; and
whether your use of the Podcast is lawful in any particular jurisdiction.

EXCEPT FOR ANY SPECIFIC WARRANTIES PROVIDED HEREIN OR IN ADDITIONAL TERMS PROVIDED BY A COMPANY PARTY, TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE

COMPANY PARTIES HEREBY FURTHER DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR

PURPOSE, NON-INFRINGEMENT OR MISAPPROPRIATION OF INTELLECTUAL PROPERTY RIGHTS OF THIRD PARTIES, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION, AND FREEDOM FROM COMPUTER VIRUS.

Some jurisdictions limit or do not allow the disclaimer of implied or other warranties so the above disclaimers may not apply to the extent such jurisdictions' laws are applicable.

LIMITATIONS OF OUR LIABILITY

TO THE EXTENT PERMITTED UNDER ANY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL ANY COMPANY PARTIES BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND, INCLUDING PERSONAL INJURY OR DEATH OR FOR ANY DIRECT, INDIRECT, ECONOMIC, EXEMPLARY, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES THAT ARE DIRECTLY OR INDIRECTLY RELATED TO:

the Podcast (including the Content and the User-Generated Content;
your use of or inability to use the Podcast;
any action taken in connection with an investigation by Company Parties or law enforcement authorities regarding your access to or use of the Podcast;
any action taken in connection with copyright or other intellectual property owners or other rights owners;
any injury or damages you sustain directly or indirectly as a result of your use of the Podcast;
any errors or omissions in the Podcast's technical operation; or
any damage to any user's computer, hardware, software, modem, or other equipment or technology, including damage from any security breach or from any virus, bugs, tampering, fraud, error, omission, interruption, defect, delay in operation or transmission, computer line, or network failure or any other technical or other malfunction, including losses or damages in

the form of lost profits, loss of goodwill, loss of data, work stoppage, accuracy of results, or equipment failure or malfunction.

The foregoing limitations of liability will apply even if any of the foregoing events or circumstances were foreseeable and even if the Company Parties were advised of or should have known of the possibility of such losses or damages, regardless of whether you bring an action based in contract,

negligence, strict liability, or tort (including whether caused, in whole or in part, by negligence, acts of god, telecommunications failure, or destruction of the Podcast).

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages of the sort that are described above, so the above limitation or exclusion may not apply to you.

EXCEPT AS MAY BE PROVIDED IN ANY ADDITIONAL TERMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY PARTIES' TOTAL

LIABILITY TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE PODCAST AND YOUR RIGHTS UNDER THESE TERMS, EXCEED AN AMOUNT EQUAL TO THE AMOUNT YOU HAVE PAID COMPANY TO ACCESS THE PODCAST OR IN CONNECTION WITH THE TRANSACTION(S)

THAT UNDERLIE THE CLAIM(S); PROVIDED, HOWEVER, THIS PROVISION WILL NOT APPLY IF A TRIBUNAL WITH APPLICABLE JURISDICTION FINDS SUCH TO BE UNCONSCIONABLE. FOR PURPOSES OF CLARITY, THE PRIOR SENTENCE DOES NOT EXPAND OR LIMIT ANY

EXPRESS, WRITTEN PRODUCT WARRANTY THAT IS PROVIDED BY US.

Updates to Terms

These Terms (or if applicable Additional Terms), in the form posted at the time of your use of the applicable Podcast to which it applies, shall govern such use (including transactions entered during such use). AS OUR PODCAST EVOLVES, THE TERMS AND CONDITIONS UNDER WHICH WE OFFER THE PODCAST MAY PROSPECTIVELY BE MODIFIED AND WE MAY CEASE OFFERING THE PODCAST UNDER THE TERMS OR ADDITIONAL TERMS FOR WHICH THEY WERE

PREVIOUSLY OFFERED. ACCORDINGLY, EACH TIME YOU SIGN IN TO OR OTHERWISE USE THE PODCAST YOU ARE ENTERING INTO A NEW AGREEMENT WITH US ON THE THEN

APPLICABLE TERMS AND CONDITIONS AND YOU AGREE THAT WE MAY NOTIFY YOU OF OTHER TERMS BY POSTING THEM ON THE PODCAST DOWNLOAD HOMEPAGE (OR IN ANY OTHER REASONABLE MANNER OF NOTICE WHICH WE ELECT), AND THAT YOUR ACCESS TO THE PODCAST AFTER SUCH NOTICE CONSTITUTES YOUR GOING FORWARD

AGREEMENT TO THE OTHER TERMS FOR YOUR NEW USE AND TRANSACTIONS. Therefore,

you should review the posted terms of use and any applicable Additional Terms each time you use the Podcast (at least prior to each transaction or submission). The Additional Terms will be effective as to new use and transactions as of the time that we post them, or such later date as may be specified in them or in other notice to you. However, the Terms (and any applicable Additional Terms) that applied when you previously used the Podcast will continue to apply to such prior use (i.e., changes and additions are prospective only) unless mutually agreed. In the event any notice to you of new, revised or additional terms is determined by a tribunal to be insufficient, the prior agreement shall continue until sufficient notice to establish a new agreement occurs. You should

frequently check the home page and the email you associated with your account for notices, and you

agree that the means set forth in these Terms are all reasonable manners of providing you with notice. You can reject any new, revised or Additional Terms by discontinuing listening to the Podcast and related websites.

General Provisions

Company's Consent or Approval . As to any provision in these Terms or any Additional Terms that grant Company a right of consent or approval, or permits Company to exercise a right in its "sole discretion," Company may exercise that right in its sole and absolute discretion. No opt-in consent or approval may be deemed to have been granted by Company without being in writing and signed by an officer of Company.
Indemnity . You agree to, and you hereby, defend, indemnify, and hold Company Parties harmless from and against any and all claims, damages, losses, costs, investigations,

liabilities, judgments, fines, penalties, settlements, interest, and expenses (including attorneys' fees) that directly or indirectly arise from or are related to any claim, suit, action, demand, or proceeding made or brought against any Company Party, or on account of the investigation, defense, or settlement thereof, arising out of or in connection with, whether occurring heretofore or hereafter: (i) your User-Generated Content; (ii) your use of the

Podcast and your activities in connection with the Podcast; (iii) your breach or alleged breach of these Terms or any Additional Terms; (iv) your violation or alleged violation of any laws, rules, regulations, codes, statutes, ordinances, or orders of any governmental or

quasi-governmental authorities in connection with your use of the Podcast or your activities in connection with the Podcast; (v) information or material transmitted through your Device, even if not submitted by you, that infringes, violates, or misappropriates any copyright,

trademark, trade secret, trade dress, patent, publicity, privacy, or other right of any person or entity; (vi) any misrepresentation made by you; and (vii) Company Parties' use of the

information that you submit to us (including your User-Generated Content) (all of the foregoing, " Claims and Losses"). You will cooperate as fully required by Company Parties in the defense of any Claims and Losses. Notwithstanding the foregoing, Company Parties retain the exclusive right to settle, compromise, and pay any and all Claims and Losses.

Company Parties reserve the right to assume the exclusive defense and control of any

Claims and Losses. You will not settle any Claims and Losses without, in each instance, the prior written consent of an officer of a Company Party.
Operation of the Podcast; Availability of Products and Services; International Issues . The Podcast is operated in the United States, and is primarily intended for users located in the U.S. Company makes no representation that the Podcast is appropriate or available for use beyond the U.S. If you listen to the Podcast from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. We reserve the right to limit the availability of the Podcast and/or the provision of any content, program, product, service, or other feature described or available on the Podcast to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, product, service, or other feature that we provide. You

and we disclaim any application to these Terms of the Convention on Contracts for the International Sale of Goods.
Severability; Interpretation . If any provision of these Terms, or any Additional Terms, is for any reason deemed invalid, unlawful, void, or unenforceable by a court or arbitrator of competent jurisdiction, then that provision will be deemed severable from these Terms or the Additional Terms, and the invalidity of the provision will not affect the validity or enforceability of the remainder of these Terms or the Additional Terms (which will remain in full force and effect). To the extent permitted by applicable law, you agree to waive, and you hereby waive, any applicable statutory and common law that may permit a contract to be construed against its drafter. Wherever the word "including" is used in these Terms or any Additional Terms, the word will be deemed to mean "including, without limitation,". The summaries of provisions and section headings are provided for convenience only and shall not limit the full Terms.
Communications . As permitted by applicable law, when you communicate with us electronically, such as via email and text message, you consent to receive communications from us electronically. Please note that we are not obligated to respond to inquiries that we receive. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
Investigations; Cooperation with Law Enforcement; Termination; Survival . Company reserves the right, without any limitation, to: (i) investigate any suspected breaches of security or its information technology or other systems or networks, (ii) investigate any suspected breaches of these Terms and any Additional Terms, (iii) investigate any

information obtained by Company in connection with reviewing law enforcement databases or complying with criminal laws, (iv) involve and cooperate with law enforcement authorities in investigating any of the foregoing matters, (v) prosecute violators of these Terms and any Additional Terms, and (vi) discontinue the Podcast, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your access to it, in whole or in part, including any user accounts or registrations, at any time, without notice, for any reason and without any obligation to you or any third party. Any suspension or termination

will not affect your obligations to Company under these Terms or any Additional Terms. Upon suspension or termination of your access to the Podcast, or upon notice from Company, all rights granted to you under these Terms or any Additional Terms will cease immediately, and you agree that you will immediately discontinue access to the Podcast. The provisions of these Terms and any Additional Terms (including the terms applicable to User-Generated

Content), which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to Company in these Terms, as well as the

indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, no class action, and mandatory arbitration.
Assignment . Company may assign its rights and obligations under these Terms and any Additional Terms, in whole or in part, to any party at any time without any notice. These Terms and any Additional Terms may not be assigned by you, and you may not delegate your duties under them, without the prior written consent of an officer of Company.
No Waiver . Except as expressly set forth in these Terms or any Additional Terms: (i) no failure or delay by you or Company in exercising any of rights, powers, or remedies hereunder will operate as a waiver of that or any other right, power, or remedy, and (ii) no waiver or modification of any term of these Terms or any Additional Terms will be effective

unless in writing and signed by the party against whom the waiver or modification is sought to be enforced. For avoidance of doubt, nothing herein shall be construed to restrict

Company's right to amend these Terms or any Additional Terms as otherwise permitted in those agreements.
Connectivity . You are responsible for obtaining and maintaining all Devices and other equipment and software, and all internet website provider, mobile service, and other services needed for your access to the Podcast and you will be responsible for all charges related to them.

Terms Applicable For Apple Device Users

If you are accessing or using the Podcast through a Device manufactured and/or sold by Apple, Inc. (" Apple", with such a device herein referenced as an " Apple Device"):

To the extent that you are accessing the Podcast through an Apple Device, you acknowledge that these Terms are entered into between you and Company and, that Apple is not a party to these Terms other than as third-party beneficiary as contemplated below.
The license granted to you in Section 1 of these Terms is subject to the permitted Usage Rules set forth in the Apple App Store Terms and Conditions (see: http://www.apple.com/legal/itunes/us/terms.html ) and any third party terms of agreement applicable to the Podcast.
You acknowledge that Company, and not Apple, is responsible for providing the Podcast and Content thereof.
You acknowledge that Apple has no obligation whatsoever to furnish any maintenance or any support services to you with respect to the Podcast.
To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Podcast.
Notwithstanding anything to the contrary herein, and subject to the terms in these Terms, you acknowledge that, solely as between Apple and Company, Company and not Apple is responsible for addressing any claims you may have relating to the Podcast, or your possession and/or use thereof, including, but not limited, to: (i) product liability claims, (ii) any claim that the Podcast fails to conform to any applicable legal or regulatory requirement; and

(iii) claims arising under consumer protection or similar legislation.
Further, you agree that if the Podcast, or your possession and use of the Podcast, infringes on a third party's intellectual property rights, you will not hold Apple responsible for the

investigation, defense, settlement and discharge of any such intellectual property infringement claims.
You acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of the terms and conditions of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.
When using the Podcast, you agree to comply with any and all third-party terms that are applicable to any platform, website, technology or service that interacts with the Podcast.
You represent and warrant that: (i) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist

supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

Content . The Podcast contains a variety of: (i) materials and other items relating to

Rights of Others . When using the Podcast, you must respect the intellectual property and other rights of Company and others. Your unauthorized use of Content may violate copyright, trademark, privacy, publicity, communications, and other laws, and any such use may result

Podcast Use Restrictions . You agree that you will not: (i) use the Podcast for any political or commercial purpose (including, without limitation, for purposes of advertising, soliciting

Reservation of All Rights Not Granted as to Content and Podcast . These Terms and any Additional Terms include only narrow, limited grants of rights to Content and to use and access the Podcast. No right or license may be construed, under any legal theory, by

License to Company of Your User-Generated Content . Except as otherwise described in any applicable Additional Terms, which specifically govern the submission of your

Linked Services; Advertisements . The Podcast may contain links, as part of third-party ads on the Podcast or otherwise, to or from third-party websites ("Linked Services "),

Dealings with Third Parties . Any interactions, correspondence, transactions, and other dealings that you have with any third parties found on or through the Podcast (including on or via Linked Services or advertisements) are solely between you and the third party (including

First — Try to Resolve Disputes and Excluded Disputes . If any controversy, allegation, or claim arises out of or relates to the Podcast, the Content, your User-Generated Content, these Terms, or any Additional Terms, whether heretofore or hereafter arising (collectively,

Limited Time to File Claims . TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF YOU OR WE WANT TO ASSERT A DISPUTE (BUT NOT A EXCLUDED DISPUTE) AGAINST THE OTHER, THEN YOU OR WE MUST COMMENCE IT (BY DELIVERY OF

Injunctive Relief . The foregoing provisions of this Section 8 will not apply to any legal action taken by Company to seek an injunction or other equitable relief in connection with, any loss, cost, or damage (or any potential loss, cost, or damage) relating to the Podcast, any

No Class Action Matters . YOU AND COMPANY AGREE THAT EACH MAY BRING

Small Claims Matters Are Excluded from Arbitration Requirement . Notwithstanding the foregoing, either of us may bring qualifying claim of Disputes (but not Excluded Disputes) in small claims court of competent jurisdiction.

Governing Law . These Terms and any Additional Terms will be governed by and construed in accordance with, and any Dispute and Excluded Dispute will be resolved in accordance with the laws of the State of California, without regard to its conflicts of law provisions

EXCEPT AS MAY BE PROVIDED IN ANY ADDITIONAL TERMS, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL COMPANY PARTIES' TOTAL

LIABILITY TO YOU, FOR ALL POSSIBLE DAMAGES, LOSSES, AND CAUSES OF ACTION IN CONNECTION WITH YOUR ACCESS TO AND USE OF THE PODCAST AND YOUR RIGHTS UNDER THESE TERMS, EXCEED AN AMOUNT EQUAL TO THE AMOUNT YOU HAVE PAID COMPANY TO ACCESS THE PODCAST OR IN CONNECTION WITH THE TRANSACTION(S)

THAT UNDERLIE THE CLAIM(S); PROVIDED, HOWEVER, THIS PROVISION WILL NOT APPLY IF A TRIBUNAL WITH APPLICABLE JURISDICTION FINDS SUCH TO BE UNCONSCIONABLE. FOR PURPOSES OF CLARITY, THE PRIOR SENTENCE DOES NOT EXPAND OR LIMIT ANY

EXPRESS, WRITTEN PRODUCT WARRANTY THAT IS PROVIDED BY US.

Indemnity . You agree to, and you hereby, defend, indemnify, and hold Company Parties harmless from and against any and all claims, damages, losses, costs, investigations,

Connectivity . You are responsible for obtaining and maintaining all Devices and other equipment and software, and all internet website provider, mobile service, and other services needed for your access to the Podcast and you will be responsible for all charges related to them.