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Advizr

Terms & Conditions

[/vc_column_text][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” padding_bottom=”50″ z_index=””][vc_column width=”1/6″][/vc_column][vc_column width=”4/6″][vc_column_text]Service Agreement

This Application Services Agreement (the “Agreement”) is made and entered into as of the Master Effective Date by and between ADVIZR, INC., A DELAWARE CORPORATION (“Advizr”) and the entity listed as Customer in the table above.

1. Advizr offers a software-as-a-service offering (the “Application Services”) designed to enable Customer to scaleably provide financial planning services for Advisee’s, and

1. Customer desires to purchase the Advizr Services.

For the good and valuable consideration set forth herein, the parties agree as follows:

1. DEFINITIONS

1.1 “Advisees” means individuals that are party to a written agreement with Customer pursuant to which Customer provides financial planning services on such individual’s behalf. Advisees may have limited access to the Application Services.  Advisees are not customers of Advizr.

1.2 “Authorized User(s)” means Customer’s employees, contractors and Advisees who are authorized by Customer to access the features and functions of the Application Services.

1.3 “Customer Data” means the information and data provided to Advizr by Authorized Users through the Application Services.

1.4 “Fee” means the fee specified in the Order Form for the applicable services.

1.5 “Initial Term” has the meaning set forth in Paragraph 3.1 (“Term”).

1.6 “Order Form” means Advizr’s standard form of ordering document pursuant to which Services are ordered by Customer subject to the terms and conditions of this Agreement, which must be approved by Advizr to be effective.

1.7 “Services” mean any services provided by Advizr pursuant to this Agreement including the Application Services, and related other services like technical support services

2. ACCESS GRANTS; PERFORMANCE OF SERVICES; AND OWNERSHIP

2.1 Provision of Services. Subject to the terms and conditions of this Agreement, Advizr will provide the Services ordered pursuant to any Order Form to Customer in a workmanlike and professional manner in accordance with industry standards.

2.2 Access Protocols; Authorized Users. Advizr will promptly after accepting an Order Form provide

Customer the Access Protocols. Customer will: (a) safeguard the Access Protocols and ensure that Authorized Users safeguard the Access Protocols; (b) make Authorized Users aware of the Customer’s obligations under this Agreement, and (c) be responsible for all acts and omissions of Authorized Users.

2.3 Right of Access; Limitation on Number of Concurrent Users. Subject to terms and conditions of this Agreement and Advizr’s acceptance of an applicable Order Form, Advizr grants to Customer a non-exclusive, non-transferable right during the Term to allow Authorized Users to access the Application Services solely for the purpose of developing financial plans on behalf its Advisees. Customer’s right to access the Application Services is limited to the number of Authorized Users listed in the applicable Order Form(s).

2.4 Customer Data. Use of the Application Services will permit or require Customer to provide Customer Data to Advizr for purposes of processing, analyzing and storing such Customer Data and otherwise performing the Services. Customer hereby grants to Advizr a limited license: (a) during the Term to use, copy, display, disclose, modify and distribute the Customer Data solely for the purpose of providing the Services and (b) on a perpetual basis, to use, copy, display, disclose, modify and distribute the Customer Data solely to create and compile aggregated data and/or statistics; provided, however, in any such aggregated data or statistics, Advizr will ensure that the Customer Data is used in aggregated form only and in a manner that is not directly attributable to or identified with Customer or its Advisees. Customer understands that, in order to provide support with respect to the Application Services, Advizr’s employees will have the ability to view and access the Customer Data, including the ability to modify such Customer Data.  Nonetheless, Advizr does not anticipate that its employees will modify any Customer Data without the prior written consent of the Customer. Advizr will use appropriate administrative, physical and technical safeguards to protect sensitive Customer Data, including, as appropriate, encryption technology.

2.5 Restrictions on Use. Customer will not: (a) modify, adapt, alter, translate or create derivative works of the Services, including the Application Services; (b) sublicense, lease, rent, loan or otherwise transfer Customer’s rights hereunder (except in connection with an assignment of Customer’s rights permitted under Section 8.2 (“Assignment”) to any third party; (c) reverse engineer, decompile, disassemble, or otherwise attempt to derive the human readable, source code version of the Application Services or the technology underlying the Application Services; (d) publish or post false or misleading information about Advizr; (e) remove any proprietary notices of Advizr or third parties found on, in or in association with the Services; (f) publish any performance or benchmark tests or analysis relating to the Services, including the use thereof, without the approval of Advizr; (g) use the Services in any way that infringes any third party intellectual property right, breaches the terms of any agreement between Customer and any third party or violates applicable law.

2.6 Advisee Agreement. Customer acknowledges that prior to accessing the Application Services, Advisees may be required to enter into an end user license agreement that includes a disclaimer that Advizr is not liable for any decisions, acts or omissions of the Advisee based upon any financial plan developed by Customer.

2.7 Ownership. Advizr retains all right, title and interest in the Services, including the Application Services, and all intellectual property rights therein. All rights not expressly granted by Advizr is reserved. Customer retains all right, title and interest in the Customer Data and all intellectual property rights therein. All rights not expressly granted by Customer is reserved.

2.8 Feedback. Advizr may request that Customer provide feedback regarding the use, operation and functionality of the Services (“Feedback”), which Customer will provide at its discretion. Feedback will include any information about operating results, known or suspected bugs, errors or compatibility problems and user-desired features. Customer agrees that Advizr, without any compensation to Customer, will have an irrevocable right to use the Feedback and related information in any manner it deems appropriate.

3. TERM AND TERMINATION.

3.1 Term

3.1.1 Trail Period. If you are in a trial period, this Agreement will commence on the date of acceptance of the terms of this Agreement by you and will continue for the duration of the trial.

3.1.2 Subscription Period. Upon agreement to subscribe to Advizr, this Agreement will commence on the date of acceptance of the terms of this Agreement by you and will continue for twelve consecutive months unless terminated in accordance with this Section or as otherwise expressly provided in this Agreement (the “Term”).

3.1.3 Renewal of Subscription. Your subscription to Advizr will automatically renew at the end of Subscription period for an additional twelve months at the then applicable pricing unless you notify Advizr of your intention not to renew the subscription before the end of the Term.

3.2 Termination for Material Breach. Either party may terminate this Agreement or any Order Form, at its discretion, effective immediately upon written notice to the other if the other party materially breaches any provision of this Agreement and does not substantially cure the breach within thirty (30) days after receiving written notice.

3.3 Suspension of Service(s). At any time during the Term, Advizr may, immediately upon notice to Customer, suspend access to any Service, at its discretion, including a threat to the technical security or technical integrity of the Services or any amount due under this Agreement is not received by Advizr within fifteen (15) days of the due date.

3.4 Termination upon Bankruptcy or Insolvency. Advizr may, at its option, terminate this Agreement immediately upon written notice to Customer, in the event (a) that Customer becomes insolvent or unable to pay its debts when due; (b) Customer files a petition in bankruptcy, reorganization or similar proceeding, or, if filed against, such petition is not removed within ninety (90) days after such filing; (c) Customer discontinues its business; or (d) a receiver is appointed or there is an assignment for the benefit of Customer’s creditors.

3.5 Termination for Convenience. Advizr may terminate any Order Form and this Agreement at any time at its convenience upon no less than thirty (30) days notice. In the event of any such termination, Advizr will refund to Customer any prepaid, but unused fees, on a straight-line, pro-rata basis, based on a twelve month year.

3.6 Effects of Termination. Upon termination or expiration of this Agreement for any reason: (a) any amounts owed to Advizr before such termination or expiration will be immediately due and payable; and (b) all access rights granted will immediately cease to exist. The following provisions will survive termination: Sections 1 (“Definitions”), 3 (“Term and Termination”), 4 (“Warranties, Disclaimers and Limitations on Damages”), 5 (“Indemnity”), 6 (“Confidential Information”), 7 (“Payment Terms”) and 8 (“Miscellaneous”) of this Agreement will survive any termination or expiration of this Agreement.

4. PAYMENT TERMS.

4.1 Payment Terms. All fees are due upon acceptance of the Terms by Customer. Payment will be due immediately and will be paid for at the beginning of the term. If the annual subscription is paid in monthly installments, the fee will be paid each month. Overdue payments will accrue interest at the lesser of 1.5% per month or the maximum allowable interest under applicable law, and Customer will pay Advizr’s associated cost of collection including reasonable attorneys’ fees.

4.2 Cancellation Terms. You may cancel your subscription by notifying Advizr of your intention not to renew the subscription before the end of the Term.

Cancellation of your subscription during your term will result in a cancellation fee. The cancellation fee is equal to 50% of the remaining amount of the annual subscription prorated monthly based on the current month and last month of your Term.

If you have paid the annual subscription fee in advance, we will provide a prorated refund, based on the amount paid minus the cancellation fee.  If you had elected to pay in monthly installments, the cancellation fee is owed immediately.

4.3 Taxes. Prices do not include taxes or duties. If Advizr is required to pay or collect any local, value added, goods and services taxes, or any other similar taxes or duties arising out of or related to this Agreement (not including taxes based on Advizr’s income), then such taxes and/or duties will be billed to and paid by Customer.

5. WARRANTIES, DISCLAIMERS AND LIMITATION ON DAMAGES

5.1 General Representations. Each party hereby represents and warrants: (a) that it is duly organized, validly existing and in good standing under the laws of its jurisdiction of incorporation or organization; (b) that the execution and performance of the Agreement will not conflict with or violate any provision of any law having applicability to such party; and (c) that the Agreement, when executed and delivered, will constitute a valid and binding obligation of such party and will be enforceable against such party in accordance with its terms.

5.2 General Disclaimers. EXCEPT AS EXPRESSLY PROVIDED IN THE AGREEMENT, INCLUDING ANY SCHEDULE, NEITHER PARTY MAKES ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT OR FROM A COURSE OF DEALING OR USAGE IN TRADE. ADVIZR DOES NOT WARRANT, AND SPECIFICALLY DISCLAIMS, THAT THE SERVICES WILL BE ACCURATE, SECURE, WITHOUT INTERRUPTION, OR ERROR-FREE.

5.3 Use; Decision Support Disclaimer. Customer acknowledges that the Application Services are provided to Customer and its Authorized Users as a decision support tool to aid in its financial planning business. Customer agrees that Customer will not rely solely on the output of the Application Services and that Customer and its Authorized Users will rely on their professional judgment in providing any financial planning services to any Advisee. Customer is solely responsible for (i) Customer’s and its Authorized Users’ use of the Services, including the Application Services and (ii) any decision Customer or Advisees make, in whole or in part, therefrom, including any trades and investment decisions or strategies. Customer further agrees that Advizr will not be responsible for any loss or damage to Customer, its Authorized Users, or any Advisees caused by the failure of the Application Services or any error or data produced or derived therefrom.

5.4 No Professional Advice. Advizr is not engaged in rendering any investment, trading or other professional advice. If investment, trading or other professional advice is required, the services of a competent, licensed professional should be sought. No employee, agent or representative of Advizr is authorized to provide any such advice of any nature whatever, and any such advice, if given, is in violation of Advizr’s policies, is unauthorized and may not be relied upon.

5.5 No Guaranteed Results. THE SERVICES ARE NOT GUARANTEED TO ACHIEVE ANY PARTICULAR RESULTS. The use of any trading system or strategy, including any system or strategy integrated within the Services, does not and cannot guarantee that Customer or Advisees will make profits, increase profits or minimize losses.

5.6 Customer is Solely Responsible for Input Correctness and Accuracy: The quality of the product’s analysis and optimization depends on the inputs provided. While automated guidance and value generation has been made available in the product to ease and expedite entry of the parameters required for the product’s analysis and optimization, Customer and its Authorized Users are solely responsible for ensuring the quality of all of inputs. As such, Customer must carefully review and update all input parameters and modify their values in all ways necessary to ensure their accuracy and fidelity. While there are other factors governing analysis and optimization accuracy, the quality of the product outputs depends on the accuracy of Customer or Advisee inputs.

5.7 Customer is solely responsible for safeguarding his or her login credentials such as User Name and Password. Customer must immediately notify the Advisor if his or her login credentials are compromised. Advizr has no liability for any loss, claim, or other damages that result from unreported, unauthorized use of Customer’s log in credentials.

5.8 Beta Feature Disclaimers: Any input, feature of function marked “Alpha”, “Beta” or similar designation invokes a Beta version of the Applications Services. The Beta version is intended for the sole purpose of obtaining product feedback from the product’s future customers, and Advizr’s partners. Accordingly, these additional terms and disclaimers apply to any Beta service.

(a) Beta-Quality Testing: The basic functionality of this Beta version has been tested by Advizr’s internal users but it has not yet undergone production quality testing. As such, reports of software malfunctions and bugs are fully anticipated and are solicited by Advizr.

(b) Beta-Quality Performance: The performance of the optimization algorithms has not been performance-enhanced. Specifically, the current Beta version run times may exceed product release performance parameters for optimization runs.

5.9 Specific Disclaimers. As the Services evolve, Advizr may provide Customer and Authorized Users explanations on how the Services work and certain specific disclaimers. Any such specific disclaimers acknowledged by any Authorized User, including through a clickwrap made available within the Applications Services, are agreed to be incorporated by reference into this Agreement. The following specific disclaimers appear within the Application Services:

(a) No Guarantee. The recommendations above are not guarantees of investment performance or the full attainment of Customer or Advisee’s goal. The results of this plan are based on assumptions for, among other things, historical investment performance, client savings rates, average inflation rates and estimated tax rates. In addition, investment expenses have not been considered in any of the calculations.

(b) Investment Disclosures: The projected investment returns are hypothetical in nature and do not reflect actual investment returns in the future.

(c) Data Integrity: The results of this plan are based, in large part, by the data that Customer or Advisee has either entered into the Advizr application or provided to Customer’s financial professional. Any underestimations or overestimations of data entered by Customer could drastically change the recommendations made by Customer’s financial professional. It is important to update Customer or Advisee financial information frequently.

(d) Tax & Legal Advice: The creation and results of this plan do not constitute legal or tax advice. Customer or Advisee should consult with an attorney or an accountant for advice in those areas.

(e) Investment Advice:  Advizr is not an investment adviser and does not provide investment advice to Customers or Advisees.  None of the Services (including, but not limited to, the Application Services) provided by Advizr should be interpreted as investment advice.  Customer or Advisee should consult with an investment adviser or other financial professional for advice in those areas.

(f) IRS Circular 230 Notice: Any tax information provided herein is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties that may be imposed on any taxpayer.

(g) Limits of financial modeling. Market volatility may be more extreme than what is represented by the simulation. The accuracy of the simulation is reduced in periods of market crisis. The simulation does not consider all investments, and those not considered might have characteristics similar or superior to those analyzed in this report.

(h) Customer Future Situation: It is possible that Customer or Advisees’ income, cash flow and ability to save may change in the future. The projections, in large part, are based on the data that Customer or Advisee have provided. It is important to update plans frequently to account for any changes in Customer or Advisees’ financial status. Therefore, the results of this plan today cannot account for future changes in Customer or Advisees’ financial situations.

(i) Investment and Insurance Product Fees: Depending on what investment or insurance product Customer or Advisee purchase, Customer or Advisee may incur front-end charges, annual expenses or performance fees. For certain products, Customer or Advisee may incur surrender charges, income taxes and penalties if the product is sold before a pre-determined period. For variable life insurance and annuity products, Customer or Advisee will incur mortality and expense fees. None of these expenses have been factored into the projections. If included, fees and other expenses would materially reduce the projections.

5.10 Disclaimer of Indirect Damages. IN NO EVENT SHALL EITHER PARTY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF REVENUE, LOSS OF MARKET CAPITALIZATION, INTERRUPTION OF SERVICE, OR LOSS OF BUSINESS OR BUSINESS OPPORTUNITY, EVEN IF SUCH DAMAGES ARE FORESEEABLE AND WHETHER OR NOT SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY THEREOF. IN NO EVENT WILL ADVIZR BE LIABLE FOR THE PROCUREMENT OF SUBSTITUTE SERVICES.

5.11 Limitations on Liability. ADVIZR’S MAXIMUM AGGREGATE LIABILITY UNDER ANY ORDER FORM WILL NOT EXCEED THE TOTAL AMOUNT OF FEES RECEIVED BY ADVIZR’S UNDER SUCH ORDER FORM DURING THE TWELVE (12) MONTH PERIOD PRIOR TO THE FIRST DATE ON WHICH THE LIABILITY AROSE.

6. INDEMNITY.

6.1 Advizr Indemnity. Advizr will indemnify, defend and hold Customer, its directors, officers, employees and representatives (each a “Customer Indemnified Party”), harmless from and against any and all losses, damages, liability, costs and expenses awarded by a court or agreed upon in settlement, as well as all reasonable and related attorneys’ fees and court costs, (collectively “Losses”) arising out of any third party claim alleging that the Application Services infringe any copyright, trademark, trade secret, or U.S. issued patent.

6.2 Exclusions. Section 5.1 will not apply if the alleged claim arises, in whole or in part, from (i) a use or modification of the Services by any Customer or any Authorized User in a manner outside the scope of any right granted or in breach of this Agreement, (ii) a combination, operation or use of the Services with other software, hardware or technology not provided by Advizr if the claim would not have arisen by the exclusive use of the Application Services alone, (iii) the Customer Data or (iv) any financial plans, advice or other information provided by Customer to any Advisee (any of the foregoing circumstances under clauses (i), (ii), (iii) or (iv) will be collectively referred to as a “Customer Indemnity Responsibility”).

6.3 Customer Indemnity. Customer will indemnify, defend and hold harmless Advizr, its directors, officers, employees and representatives (each a “Advizr Indemnified Party”), from and against any and all Losses arising out of any third party claim alleging a Customer breach of any Customer warranty or arising out of any Customer Indemnity Responsibility.

6.4 Indemnification Process. The foregoing indemnification obligations are conditioned on the indemnified party: (a) notifying the indemnifying party promptly in writing of such action, (b) reasonably cooperating and assisting in such defense and (c) giving sole control of the defense and any related settlement negotiations to the indemnifying party with the understanding that the indemnifying party may not settle any claim in a manner that admits guilt or otherwise prejudices the indemnified party without consent.

6.5 Infringement. If any Service is, or in Advizr’s opinion, is likely to become the subject of any infringement-related claim, then Advizr will, at its expense and in its discretion: (a) procure for Customer the right to continue using the Service; (b) replace or modify the infringing technology or material so that the Service becomes non-infringing and remains materially functionally equivalent; or (c) terminate the Schedule(s) pursuant to which the Service is provided and give Customer a refund for any pre-paid but unused fees.

6.6 THE PROVISIONS OF THIS SECTION 5 STATE ADVIZR’S ENTIRE LIABILITY AND CUSTOMER’S EXCLUSIVE REMEDIES FOR ANY CLAIM THAT THE SERVICES, ANY DELIVERABLE, OR THE TECHNOLOGY UNDERLYING ANY OF THE SERVICES, INFRINGE A THIRD PARTY’S INTELLECTUAL PROPERTY RIGHT.

7. CONFIDENTIAL INFORMATION.

7.1 Confidentiality. Each party will maintain in confidence all Confidential Information disclosed by the other party hereto. As used herein “Confidential Information” will mean all tangible information which is marked as “confidential” or “proprietary” and all information which is disclosed and should reasonably be considered confidential. Notwithstanding the foregoing, (a) the Advizr Confidential Information will include the Application Services, and the algorithms, know-how and technology underlying the Application Services and (b) Customer Confidential Information will include the Customer Data. Advizr may disclose Customer Confidential Information to employees, contractors and trainees who have agreed in writing to hold such Customer Confidential Information in confidence and not to use such information for any purposes other than those authorized by this Agreement. Customer may disclose Advizr Confidential Information to employees and contractors who are not Advizr competitors who have agreed in writing to hold such Advizr Confidential Information in confidence and not to use such information for any purpose other than those authorized by this Agreement. Each party will use at least the same standard of care as it uses to protect its own most confidential information to ensure that such employees or contractors do not disclose or make any unauthorized use of such Confidential Information.

7.2 Exceptions. The obligations of confidentiality contained in Paragraph 6.1 (“Confidentiality”) will not apply to the extent that it can be established by the receiving party (“Recipient”) by competent proof that such Confidential Information: (i) was already known to Recipient, other than under an obligation of confidentiality, at the time of disclosure by the other party; (ii) was generally available to the public or otherwise part of the public domain at the time of its disclosure; (iii) became generally available to the public or otherwise part of the public domain after its disclosure other than through any act or omission of Recipient in breach of this Agreement; (iv) was disclosed to Recipient, other than under an obligation of confidentiality, by a third party who had no obligation to the other party not to disclose such information to others; or (v) was independently developed by Recipient without use of the disclosing party’s Confidential Information.

8. MISCELLANEOUS

8.1 Reference. Customer hereby grants Advizr permission to identify Customer by name as a Customer of Advizr on the Advizr website and in any publicly filed document, press release and/or any other marketing materials unless Customer independently notifies Advizr requesting not to be identified.

8.2 Assignment. Neither party may assign or transfer its rights or obligations under this Agreement without the prior written consent of the other party, and any assignment or transfer in derogation of the foregoing will be null and void; provided, however, that Advizr will have the right to assign its rights to receivables hereunder to a bank or other financial institution and that either party will have the right to assign the Agreement, without the prior written consent of the other party, to the successor entity in the event of merger, corporate reorganization or a sale of all or substantially all of its assets. The terms of this Agreement will be binding upon such assignees.

8.3 Force Majeure. Neither party will be liable to the other under this Agreement for any delay or lack of performance (other than nonpayment) resulting from a Force Majeure event. “Force Majeure” event means any act of God, war, fire, typhoon, flood, earthquake, natural disasters, governmental action, labor disruptions, materials shortages, or any other event beyond the reasonable control of the prevented party.

8.4 Notices. All notices and other communications provided for hereunder will be in writing and will be required to be delivered by email (but solely to the extent that an email address is provided in the Cover Page) and one of the following additional means: personal delivery, overnight courier, confirmed facsimile, or certified or registered mail, return receipt requested. Notices will be sent to the parties using the notice information provided in the Cover Page, or to such other address as that party may specify in writing pursuant to this section.

8.5 Governing Law. All matters arising in connection with this Agreement or the enforcement or construction thereof will be governed by and resolved in accordance with the laws of the State of New York without reference to its conflicts of laws principles or any other principles that would result in the application of a different body of law. For any claim arising from or related to this Agreement, each party hereby expressly consents to exclusive jurisdiction and venue of the state or federal courts located in the County of New York.

8.6 Independent Contractors. The parties hereto are independent contractors and this Agreement will not be construed as creating any joint venture, partnership or other like relationship.

8.7 Waiver. No provision of this Agreement, unless such provision otherwise provides, will be waived by any act, omission or knowledge of a party or its agents or employees except by an instrument in writing expressly waiving such provision and signed by a duly authorized officer of the waiving party.

8.8 Severability. If any provision of this Agreement is unenforceable or illegal, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

8.9 Counterparts; Electronic Signatures. This Agreement may be executed in two or more counterparts, anyone of which need not contain the signatures of more than one party, but all such counterparts taken together will constitute one and the same agreement. Delivery of an executed counterpart of a signature page to this Agreement by electronic means (including by PDF or facsimile) will be effective as delivery of a mutually executed counterpart to this Agreement.

8.10 Entire Agreement. This Agreement, together with the exhibits attached hereto, constitute the entire agreement between the parties and supersede all prior oral or written negotiations and agreements between the parties with respect to the subject matter hereof. In the event of any conflict between this Agreement and any statement of work, the terms of this Agreement will control. No modification, variation or amendment of this Agreement will be effective unless made in writing and signed by the parties. Purchase orders provided by Customer, including any terms and conditions contained therein, will be for administrative purposes only and will have no force or effect.[/vc_column_text][/vc_column][vc_column width=”1/6″][/vc_column][/vc_row]