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style=\"text-align: center; line-height: 1.4;\" data-line-height=\"1.4\"><div><br></div><div><div style=\"text-align: left;\">&nbsp;NJabo LLC Terms of Use<br>Last Modified: JANUARY&nbsp;1, 2023</div><div style=\"text-align: left;\">Welcome to NJabo LLC,</div><div style=\"text-align: left;\">NJabo LLC and its Agents, Please read the NJabo LLC Terms of Use, together with our Privacy Policy and any other terms referenced in this document carefully to ensure that you understand each provision. These terms and conditions must be agreed upon before any purchases can be made on the in person, group buy or Website. These are all important as they outline and explain legal rights and describe NJabo LLC own rules. THE TERMS OF USE ALSO CONTAIN A MANDATORY INDIVIDUAL ARBITRATION AND CLASS ACTION/JURY TRIAL WAIVER PROVISION THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES RATHER THAN JURY TRIALS OR CLASS ACTIONS.</div><div style=\"text-align: left;\">THE PRODUCTS ON THIS WEBSITE, GROUP BUY OR IN PERSON PUCKUP ARE FOR LABORATORY RESEARCH ONLY. THE PRODUCTS ARE NOT FOR HUMAN OR ANIMAL USE OR CONSUMPTION OF ANY KIND. THE PRODUCTS ARE NOT INTENDED TO DIAGNOSE, CURE, MITIGATE, TREAT, OR PREVENT DISEASE.</div><div style=\"text-align: left;\">YOU MUST BE AT LEAST 21 YEARS OF AGE TO USE THE WEBSITE OR PURCHASE PRODUCTS.</div><div style=\"text-align: left;\">ACCEPTANCE OF TERMS OF USE<br>These Terms of Use are entered into by and between you and Kimberly Mcnutt-Hodes (“NJabo LLC”, “we” or “us”). The following terms and conditions, together with our Privacy Policy, found a online (the “Website”) and incorporated here by reference and any other documents incorporated by reference (collectively, these “Terms”), govern your access to and use of our Website and Products weather group by, in person quality testing singles Or via mail.</div><div style=\"text-align: left;\">PLEASE READ THESE TERMS CAREFULLY BEFORE YOU PURCHASE ANY PRODUCTS, AS THE TERMS CONSTITUTE A LEGAL AGREEMENT BETWEEN YOU AND NJabo LLC and its owners and It's agents.&nbsp;By accessing, downloading or using the Website, registering for or maintaining an account, or by clicking to accept or agree to the Terms when this option is made available to you, or signing the last page of this document with date, you acknowledge that you have read and understand all of the provisions of the Terms and that you accept and agree to be bound by and abide by these Terms. If you do not agree to these Terms, you must not access, download or use the Website or purchase from NJabo LLC or its agents in any fashion.</div><div style=\"text-align: left;\">The Website and products are offered and available to individuals who are of legal age and capacity to agree to these Terms residing in the United States. By using the Website or coming into agreement of purchase in any fashion place, time, or year, you represent and warrant that you are of legal age to form a binding contract with NJabo LLC and it's agents in your state of residence and meet all of eligibility requirements provided in these Terms. If you do not meet all these requirements, you must not access, download or use the Website.</div><div style=\"text-align: left;\">2. CHANGES TO TERMS<br>We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them here, in amended policies, or supplemental terms for applicable Website(s), or as otherwise appropriate. Any such changes shall apply to all access to and use of the Website after posting, except that any change to the dispute resolution provisions set forth in Governing Law and Jurisdiction below will not apply to any disputes for which the parties have actual notice prior to the date such change is posted.</div><div style=\"text-align: left;\">Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You should check this page from time to time so that you are aware of any changes, as they are binding on you.</div><div style=\"text-align: left;\">3. NOTICE<br>To the extent that NJabo LLC and its agents is required to or may elect to give notice under these Terms or otherwise, NJabo LLC and its agents may give notice by means of a general notice through the Website, electronic mail to your email address associated with your account, or by written communication sent by first class mail or pre-paid post to any address connected with your account. Such notice shall be deemed to have been given upon the expiration of 48 hours after mailing or posting (if sent by first class mail or pre-paid post) or 12 hours after sending (if sent by email). You may give notice to Cornerstone Lab and its agents, with such notice deemed given when received by NJabo LLC and its agents, at any time by first class mail or pre-paid post to our registered address, c/o NJabo LLC and its agents, 103 1st Street West Fort Payne Alabama 35967</div><div style=\"text-align: left;\">4. PRODUCT USE<br>NJabo LLC and its agents and the Website Products are intended solely for laboratory research purposes and are not to be used for any other purposes, including, but not limited to, vitro diagnostic purposes, in food, drugs, medical devices, or cosmetics for humans or animals or for commercial purposes. You agree that the Products have not been sterilized or tested by NJabo LLC and its agents for safety and efficacy in food, drug, medical device, cosmetic, commercial or any other use. You expressly represent and warrant to NJabo LLC and its agents that you will properly test, use, manufacture and market any Products purchased from NJabo LLC and its agents or materials produced with Products purchased from the Website in accordance with the practices of a professional who is experienced in the field and in strict compliance with all applicable laws and regulations, now and hereafter enacted.</div><div style=\"text-align: left;\">You further warrant that any material produced with any Product shall not be adulterated or misbranded within the meaning of the Federal Food, Drug, and Cosmetic Act and shall not be materials which may not, under Sections 404, 505, or 512 of the Act, be introduced into interstate commerce. You realize that, since Cornerstone Lab and its agents and Website Products are, unless otherwise stated, intended solely for research purposes, they may not be on the Toxic Substances Control Act (TSCA) inventory listing. You assume responsibility to assure that the Products purchased from the Website are approved for use under the TSCA, if applicable.</div><div style=\"text-align: left;\">You have the responsibility to verify the hazards and conduct any further research necessary to learn the hazards involved in using Products purchased from the Website. No products purchased from the Website shall be considered to be foods, drugs, medical devices, or cosmetics. All Products are offered for research purposes only. Under no circumstances shall any of the Products be used for therapeutic or diagnostic purposes. NJabo LLC and its agents is not liable for any damages that may be caused by negligence, abuse, or any other unforeseen matter.</div><div style=\"text-align: left;\">The Products are intended for laboratory research only. The Products are not for use as food additives, drugs, cosmetic, household chemicals, or other inappropriate applications. The listing of a Product on the Website does not constitute a license to, or a recommendation for, its use in infringement of any patent.</div><div style=\"text-align: left;\">ALL PRODUCTS MUST BE HANDLED ONLY BY A QUALIFIED AND PROPERLY TRAINED RESEARCH AND LABORATORY PROFESSIONALS ONLY.</div><div style=\"text-align: left;\">5. PURCHASING AND/OR RETURNS/REFUNDS<br>You authorize Cornerstone Lab and its agents to charge your credit card when you make a purchase on the Website. When using a credit card, you forfeit the right to request a chargeback with your card provider.</div><div style=\"text-align: left;\">ALL SALES ARE FINAL. Due to the nature of the Products, we cannot accept returns.</div><div style=\"text-align: left;\">6. TRADEMARKS<br>“NJabo LLC and its agents Trademarks” means all names, marks, brands, logos, product and service names, designs, trade dress, slogans and other designations Cornerstone Lab and its agents uses in connection with its products and Website. All other names, logos, product and service names, designs and slogans on the Website are the trademarks of their respective owners.</div><div style=\"text-align: left;\">You may not use, remove or alter any&nbsp; Trademarks, or co-brand your own products or material with our Trademarks, without Our prior written consent. You acknowledge NJabo LLC and its agent’s rights in NJabo LLC and its agents Trademarks and agree that any use of NJabo LLC and its agents Trademarks by you shall inure to NJabo LLC and its agents’s sole benefit. You agree not to incorporate any NJabo LLC and its agents Life Trademarks or trademarks of its affiliates or licensors into your trademarks, service marks, company names, internet addresses, domain names, or any other similar designations, for use on or in connection with computer or internet-related products, services or technologies.</div><div style=\"text-align: left;\">7. THIRD PARTY SERVICES AND CONTENT<br>The Website may be made available or accessed in connection with third party services and content (including advertising) that NJabo LLC and its agents does not control. You acknowledge that different terms of use and privacy policies may apply to your use of such third-party services and content. NJabo LLC and its agents does not endorse such third-party services and content and in no event shall NJabo LLC and its agents be responsible or liable for any products or services of such third-party providers. These third-party beneficiaries are not parties to this contract and are not responsible for the provision or support of the Website in any manner. We also do not control and are not responsible for any links that lead to other websites. It is your responsibility and up to your discretion on whether a link looks dangerous. You hereby agree to hold NJabo LLC and its agents harmless from any liability that may result from your use of links that appear on the Website.</div><div style=\"text-align: left;\">8. RELIANCE ON INFORMATION POSTED<br>The information presented on or through the Website is made available solely for general information purposes. We do not warrant the accuracy, completeness or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you to the Website, or by anyone who may be informed of any of its contents.</div><div style=\"text-align: left;\">9. INFORMATION ABOUT YOU AND YOUR VISITS TO THE SERVICES<br>All information we collect on the Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.</div><div style=\"text-align: left;\">10. NJabo LLC and its agents SMS/MESSAGING TERM AND CONDITIONS<br>By “Opting In” to or using the NJabo LLC and its agents “Text Message Service” (both terms defined below), you accept these Terms and Conditions and agree to resolve disputes with NJabo LLC and its agents through binding arbitration, and you waive any right to participate in class actions, all as detailed in the “Arbitration Agreement” section below.</div><div style=\"text-align: left;\">“Text Message Service” includes any arrangement or situation in which NJabo LLC and its agents sends (or indicates that it may send or receives a request that it send) one or more text messages.</div><div style=\"text-align: left;\">“Opting In” and “Opt-In” refer to requesting, joining, agreeing to, enrolling in, signing up for, acknowledging, or otherwise consenting to receive one or more text messages.</div><div style=\"text-align: left;\">(a) By Opting In to a Text Message Service:<br>-You authorize NJabo LLC and its agents to use autodialer or non-autodialer technology to send text messages to the cell phone number associated with your account. You also authorize NJabo LLC and its agents to include marketing content in any such messages. You do not have to Opt-In or agree to Opt-In as a condition of purchasing products.<br>-You are signing your Opt-In to the Text Message Service.<br>-You confirm that you are the subscriber to the relevant phone number or that you are the customary user of that number on a family or business plan and that you are authorized to Opt-In.<br>-You consent to the use of an electronic record to document your Opt-In. To withdraw that consent, request an email copy of the Opt-In, or to update our records with your contact information, please email us at NJabo.cs@gmail.com</div><div style=\"text-align: left;\">(b) About the Text Message Services and Opting Out.<br>Message and data rates may apply. Unless otherwise noted, Text Message Services send multiple, recurring messages. Cornerstone Lab and its agents may terminate any Text Message Service or your participation in it at any time with or without notice, including, for example, before you have received any or all messages that you otherwise would have received, but these Terms and Conditions still will apply. For Text Message Services, text HELP to the number that sends you text messages for help and STOP to that number to opt out. Your opt-out request may generate either a confirmation text or a texted request to clarify. To complete your opt-out, please provide the requested clarification. These Terms and Conditions still will apply if you withdraw the consent mentioned above or opt out of the Text Message Service.</div><div style=\"text-align: left;\">You consent to the handling of your information as described in the Cornerstone Lab and its agents Privacy Policy. You must be 21 years of age or older.</div><div style=\"text-align: left;\">(c) Mobile Carriers. Supporting mobile carriers may change without notice, and the particular Text Message Service you join, including those operated through a different number, may be limited to specific carriers. Cornerstone Lab and its agents and the mobile carriers are not liable for delayed or undelivered messages.</div><div style=\"text-align: left;\">11. DISCLAIMER OF WARRANTIES<br>You understand that we cannot and do not guarantee or warrant that the all the information provided on the Website is correct and complete. You are responsible for completing your own research on each and every Product on the Website. YOUR USE OF THE WEBSITE, ITS CONTENT AND ANY PRODUCTS OR ITEMS OBTAINED THROUGH THE WEBSITE IS AT YOUR OWN RISK. NJabo LLC and its agents’s WEBSITE AND ALL CONTENT AND ANY PRODUCTS OR ITEMS OBTAINED THROUGH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.</div><div style=\"text-align: left;\">WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF- SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE WEBSITE, OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.</div><div style=\"text-align: left;\">NJabo LLC and its agents DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, NOT EXPRESSLY SET OUT IN THESE TERMS, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. IN ADDITION, NJabo LLC and its agents MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE REGARDING THE SECURITY, RELIABILITY, ACCURACY, TIMELINESS, QUALITY, SUITABILITY, OR AVAILABILITY OF THE WEBSITE. NJabo LLC and its agents DOES NOT GUARANTEE THE QUALITY, SUITABILITY, SAFETY OR ABILITY OF ANY THIRD-PARTY PROVIDERS. YOU AGREE THAT THE ENTIRE RISK ARISING OUT OF YOUR USE OF THE WEBSITE, AND ANY PRODUCT OR ITEM PURCHASED IN CONNECTION THEREWITH, REMAINS SOLELY WITH YOU, TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW.</div><div style=\"text-align: left;\">WITHOUT LIMITING THE FOREGOING, NEITHER NJabo LLC and its agents NOR ANYONE ASSOCIATED WITH Cornerstone Lab and its agents REPRESENTS OR WARRANTS THE WEBSITE, CONTENT OR ANY PRODUCTS OR ITEMS OBTAINED THROUGH THE WEBSITE TO BE ACCURATE, RELIABLE, ERROR-FREE OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT THE WEBSITE INCLUDING WITHOUT LIMITATION ANY AND ALL APPLICATIONS OR SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.</div><div style=\"text-align: left;\">THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.</div><div style=\"text-align: left;\">12. LIMITATION ON LIABILITY<br>AS PARTIAL CONSIDERATION FOR YOUR ACCESS TO THE WEBSITE, YOU AGREE Cornerstone Lab and its agents SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, PERSONAL INJURY, OR PROPERTY DAMAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE WEBSITE, REGARDLESS OF THE NEGLIGENCE (EITHER ACTIVE, AFFIRMATIVE, SOLE, OR CONCURRENT) OF Cornerstone Lab and its agents, EVEN IF Cornerstone Lab and its agents HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.</div><div style=\"text-align: left;\">NJabo LLC and its agents SHALL NOT BE LIABLE FOR ANY DAMAGES, LIABILITY, OR LOSSES ARISING OUT OF YOUR USE OF THE WEBSITE OR YOR RELIANCE ON THE INFORMAOTIN PROVIDED FROM THE WEBSITE. YOU ARE RESPONSIBLE FOR THE DECISION YOU MAKE OR YOUR ACTIONS OR NON-ACTIONS IN RELIANCE UPON THE INFORMATION PROVIDED ON THE WEBSITE.</div><div style=\"text-align: left;\">NJabo LLC and its agents SHALL NOT BE LIABLE FOR DELAY OR FAILURE IN PERFORMANCE RESULTING FROM CAUSES BEYOND NJabo LLC and its agents’S REASONABLE CONTROL.</div><div style=\"text-align: left;\">IN NO EVENT WILL NJabo LLC and its agents, ITS AFFILIATES OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE WEBSITE, INCLUDING WITHOUT LIMITATION ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, AND INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.</div><div style=\"text-align: left;\">THE LIMITATIONS AND DISCLAIMER IN THIS SECTION DO NOT PURPORT TO LIMIT LIABILITY OR ALTER YOUR RIGHTS AS A CONSUMER THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, NJabo LLC and its agents’S LIABILITY SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. THIS PROVISION SHALL HAVE NO EFFECT ON NJabo LLC and its agents’S CHOICE OF LAW PROVISION SET FORTH BELOW.</div><div style=\"text-align: left;\">13. INDEMNIFICATION<br>You agree to indemnify and hold NJabo LLC and its agents, its parents, subsidiaries, affiliates, officers, employees, agents, partners and licensors (collectively, the “NJabo LLC and its agents Parties”) harmless from any losses, costs, liabilities, and expenses (including reasonable attorneys’ fees) relating to or arising out of: (a) your use of, or inability to use, NJabo LLC and its agents’s Website; (b) your violation of the Terms; (c) your violation of any rights of another party; or (d) your violation of any applicable laws, rules or regulations. NJabo LLC and its agents reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with NJabo LLC and its agents in asserting any available defenses. This provision does not require you to indemnify any of the NJabo LLC and its agents Parties for any unconscionable commercial practice by such party or for such party’s fraud, deception, false promise, suppression or omission of any material fact in connection with the Website. You agree that the provisions in this section will survive any termination of your account or use of the Website.</div><div style=\"text-align: left;\">14. ASSUMPTION OF RISK<br>You agree and understand that you assume all risks when using the Website and Products, including, without limitation, any and all risks of injury and death.</div><div style=\"text-align: left;\">15. CHOICE OF LAW AND JURISDICTION<br>Except as set forth in the Disputes; Mandatory Arbitration and Class Action Waiver Section herein, all matters relating to the Services and these Terms and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Wyoming without giving effect to any choice or conflict of law provision or rule (whether of the State of Wyoming or any other jurisdiction). Unless you and NJabo LLC Cornerstone Lab and its agents agree otherwise in writing,&nbsp;YOU WAIVE ANY AND ALL OBJECTIONS TO THE EXERCISE OF JURISDICTION OVER YOU BY SUCH COURTS AND TO VENUE IN SUCH COURTS.</div><div style=\"text-align: left;\">These provisions, except as otherwise provided in the Arbitration Agreement of these Terms, are only intended to specify the use of Wyoming law to interpret these Terms and the forum for disputes asserting a breach of these Terms, and these provisions shall not be interpreted as generally extending Wyoming law to you if you do not otherwise reside in Wyoming. The foregoing choice of law and forum selection provisions do not apply to the Arbitration Agreement or to any arbitrable disputes as defined therein. Instead, the Federal Arbitration Act shall apply to any such disputes.</div><div style=\"text-align: left;\">16. DISPUTES; MANDATORY ARBITRATION AND CLASS ACTION WAIVER (“ARBITRATION AGREEMENT”)<br>By agreeing to the Terms, you agree that you are required to resolve any claim that you may have against NJabo LLC and its agents on an individual basis in arbitration, as set forth in this Arbitration Agreement. YOU AGREE TO WAIVE ANY RIGHT TO A JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. This will preclude you from bringing any class, collective, or representative action against NJabo LLC and its agents, and also preclude you from participating in or recovering relief under any current or future class, collective, consolidated, or representative action brought against NJabo LLC and its agents by someone else.<br>(a) Agreement to Binding Arbitration Between You and NJabo LLC and its agents. You and NJabo LLC and its agents agree that any dispute, claim or controversy arising out of or relating to (a) these Terms or the existence, breach, termination, enforcement, interpretation or validity thereof, or (b) your access to or use of the Website at any time, whether before or after the date you agreed to the Terms, will be settled by binding arbitration between you and NJabo LLC and its agents, and not in a court of law.</div><div style=\"text-align: left;\">You acknowledge and agree that you and NJabo LLC and its agents are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Unless both you and NJabo LLC and its agents otherwise agree in writing, any arbitration will be conducted only on an individual basis and not in a class, collective, consolidated, or representative proceeding. However, you and NJabo LLC and its agents each retain the right to bring an individual action in small claims court and the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights.</div><div style=\"text-align: left;\">(b) Rules and Governing Law.<br>The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the AAA’s Consumer Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this Arbitration Agreement. The AAA Rules are available at www.adr.org/arb_med or by calling the AAA at 1-800-778-7879.</div><div style=\"text-align: left;\">The parties agree that the arbitrator (“Arbitrator”), and not any federal, state, or local court or agency, shall have exclusive authority to resolve any disputes relating to the interpretation, applicability, enforceability or formation of this Arbitration Agreement, including any claim that all or any part of this Arbitration Agreement is void or voidable. The Arbitrator shall also be responsible for determining all threshold arbitrability issues, including issues relating to whether the Terms are unconscionable or illusory and any defense to arbitration, including waiver, delay, laches, or estoppel.</div><div style=\"text-align: left;\">Notwithstanding any choice of law or other provision in the Terms, the parties agree and acknowledge that this Arbitration Agreement evidences a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq. (“FAA”), will govern its interpretation and enforcement and proceedings pursuant thereto. It is the intent of the parties that the FAA and AAA Rules shall preempt all state laws to the fullest extent permitted by law. If the FAA and AAA Rules are found to not apply to any issue that arises under this Arbitration Agreement or the enforcement thereof, then that issue shall be resolved under the laws of the state of Wyoming.</div><div style=\"text-align: left;\">(c) Process.<br>A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a form Demand for Arbitration – Consumer Arbitration Rules at www.adr.org or by calling the AAA at 1-800-778-7879). The Arbitrator will be either (1) a retired judge or (2) an attorney specifically licensed to practice law in the state of Wyoming and will be selected by the parties from the AAA’s roster of consumer dispute arbitrators. If the parties are unable to agree upon an Arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the Arbitrator in accordance with the AAA Rules.</div><div style=\"text-align: left;\">(d) Location and Procedure<br>Unless you and NJabo LLC and its agents otherwise agree, resolution of any and all disputes will be conducted in Sheridan County, Wyoming, U.S.A., which shall have jurisdiction over such disputes and over Users. YOU WAIVE ANY AND ALL OBJECTIONS TO VENUE AND TO THE EXERCISE OF JURISDICTION OVER YOU.</div><div style=\"text-align: left;\">(e) Arbitrator’s Decision<br>The Arbitrator will render an award within the time frame specified in the AAA Rules. Judgment on the arbitration award may be entered in any court having competent jurisdiction to do so. The Arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim. An Arbitrator’s decision shall be final and binding on all parties. An Arbitrator’s decision and judgment thereon shall have no precedential or collateral estoppel effect.</div><div style=\"text-align: left;\">(f) Fees<br>Your responsibility to pay any AAA filing, administrative, and arbitrator fees will be solely as set forth in the AAA Rules. If the Arbitrator finds that you cannot afford to pay filing, administrative, hearing and/or other fees and cannot obtain a waiver from AAA, NJabo LLC and its agents will pay them for you. In addition, NJabo LLC and its agents will reimburse all such filing, administrative, hearing and/or other fees for claims totaling less than $10,000 unless the Arbitrator determines the claims are frivolous. Likewise, NJabo LLC and its agents will not seek attorneys’ fees and costs in arbitration unless the Arbitrator determines the claims are frivolous.&nbsp;</div><div style=\"text-align: left;\">(g) Changes<br>Notwithstanding the provisions above, regarding consent to be bound by amendments to these Terms, if NJabo LLC and its agents changes this Arbitration Agreement after the date you first agreed to the Terms (or to any subsequent changes to the Terms), you may reject any such change by providing NJabo LLC and its agents written notice of such rejection within 30 2222days of the date such change became effective, as indicated in the “Effective” date above. This written notice must be provided either (a) by mail or hand delivery to our registered office, c/o NJabo LLC and its agents, 103 1st Street West, Fort Payne Alabama 35967 or (b) by email from the email address associated with your account to: NJabo.cs@gmail.com. In order to be effective, the notice must include your full name and clearly indicate your intent to reject changes to this Arbitration Agreement. By rejecting changes, you are agreeing that you will arbitrate any dispute between you and NJabo LLC and its agents in accordance with the provisions of this Arbitration Agreement as of the date you first agreed to the Terms (or to any subsequent changes to the Terms).</div><div style=\"text-align: left;\">(h) Severability and Survival<br>If any portion of this Arbitration Agreement is found to be unenforceable or unlawful for any reason, (1) the unenforceable or unlawful provision shall be severed from these Terms; (2) severance of the unenforceable or unlawful provision shall have no impact whatsoever on the remainder of the Arbitration Agreement or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to the Arbitration Agreement; and (3) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration, and the parties agree that litigation of those claims shall be stayed pending the outcome of any individual claims in arbitration.</div><div style=\"text-align: left;\">17. LIMITATION ON TIME TO FILE CLAIMS<br>ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR NJabo LLC and its agents’s WEBSITE AND PRODUCTS MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.</div><div style=\"text-align: left;\">18. ASSIGNMENT; RELATIONSHIP<br>You may not assign any rights or obligations under these Terms NJabo LLC and its agents without NJabo LLC and its agents’s prior written approval. may assign its rights and obligations under these Terms without your consent to: (i) a subsidiary or affiliate; (ii) an acquirer of NJabo LLC and its agents equity, business, or assets; or (iii) a successor by merger. Any purported assignment in violation of this section shall be void.</div><div style=\"text-align: left;\">No joint venture, partnership, employment, or agency relationship exists between you and NJabo LLC and its agents as a result of these Terms or your use of Cornerstone Lab and its agents’s Website.</div><div style=\"text-align: left;\">19. HEADINGS<br>The headings contained in this Agreement are for reference only.</div><div style=\"text-align: left;\">20. WAIVER AND SEVERABILITY<br>No waiver by NJabo LLC and its agents 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 failure of NJabo LLC and its agents to assert or enforce a right or provision under these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed to by NJabo LLC and its agents in writing.</div><div style=\"text-align: left;\">If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect. This provision shall not affect the Severability and Survival provisions with respect to the Arbitration Agreement which is part of these Terms.</div><div style=\"text-align: left;\">21. FORCE MAJEURE<br>NJabo LLC and its agents shall not be liable for any delay or failure in performance caused by circumstances beyond its reasonable control, including, without limitation, delays due to backorders, mail delays, customs delays, or lost shipments. NJabo LLC and its agents shall not be responsible to notify you in the event of such delays. You shall be solely responsible to make other arrangements to purchase products and any costs incurred in connection with such purchases.</div><div style=\"text-align: left;\">22. ENTIRE AGREEMENT<br>The Terms, including our Privacy Policy and any other terms and conditions incorporated herein or therein by reference constitute the sole and entire agreement between you and NJabo LLC and its agents with respect to the Website and Products and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Website and Products.</div><div style=\"text-align: left;\"></div><div style=\"text-align: left;\">&nbsp;&nbsp;</div></div></div>","verticalAlignment":"top"},"metaData":{"position":{"left":-354,"top":413.8000183105469},"size":{"width":694,"height":7244}}}]},{"type":"SectionElement","id":"1418044022697","elementProperties":{"tagName":"SECTION","behaviours":null,"isLocked":false,"name":"Section 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style=\"text-align: center; line-height: 1.4;\" data-line-height=\"1.4\"><div style=\"text-align: left;\">&nbsp;NJabo LLC, a Alabama limited liability company (“NJabo LLC “us”, “we”, or “our”) operates https://NJabo.com, the NJabo LLC website (the “Website”). We respect your privacy and are committed to protecting it through our compliance with this Privacy Policy. This Privacy Policy informs you of our policies regarding the collection, use and disclosure of Personal Data (defined below) when you use our Website and the choices and rights you have with respect to how we process your Personal Data.</div><div style=\"text-align: left;\">We use your Personal Data to provide and improve the Website. By downloading, registering with or using the Website or purchasing products, you expressly consent to the collection and use of personal information according to the terms and conditions of this Privacy Policy and to be bound by our Terms and Conditions. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.</div><div style=\"text-align: left;\">Please read this Privacy Policy carefully to understand our policies and practices regarding your information and how we will treat it. If you do not agree with our policies and practices, do not download, register with, or use the Website.</div><div style=\"text-align: left;\">Information Collection</div><div style=\"text-align: left;\">NJabo LLC may collect and process information that relates to identified or identifiable individuals (“Personal Data”). We collect and process the following categories of Personal Data:</div><div style=\"text-align: left;\">Data</div><div style=\"text-align: left;\">Personal Data relating to your device, browser, or application e.g. IP addresses, MAC addresses, application ID/AdID/IDFA, identifiers from cookies, session navigation history and similar browsing metadata, and other data generated through applications and browsers, including cookies and similar technologies.</div><div style=\"text-align: left;\">Identity Data</div><div style=\"text-align: left;\">Personal Data about you and your identity, such as your name, username, and other Personal Data you may provide on registration or during purchasing or as part of an account profile.</div><div style=\"text-align: left;\">Contact Data</div><div style=\"text-align: left;\">Personal Data used to contact an individual, e.g. email address(es), physical address(es), phone number(s), or social media or communications platform usernames/handles, as well as a name or other salutation.</div><div style=\"text-align: left;\">Financial Data</div><div style=\"text-align: left;\">Personal Data relating to financial accounts or services, e.g. a credit card or other financial account number, and other relevant information you provide in connection with a financial transaction.</div><div style=\"text-align: left;\">Preferences Data</div><div style=\"text-align: left;\">Personal Data relating to your preferences, interests, personal demographics (e.g. location of residence, age group, gender, etc.), and preferences generated through your browsing behavior on our website and identified through various marketing tools.</div><div style=\"text-align: left;\">Location Data</div><div style=\"text-align: left;\">Personal Data relating to your precise location, such as information collected from your device’s GPS or computer’s IP address/GPS.</div><div style=\"text-align: left;\">Inference Data</div><div style=\"text-align: left;\">Inferences drawn from Personal Data, including Preference Data, to create a profile about a consumer reflecting the consumer’s preferences, characteristics, predispositions, behavior, and attitudes.</div><div style=\"text-align: left;\">User Content</div><div style=\"text-align: left;\">Unstructured/free-form data that may include any category of Personal Data, e.g. data that you give us in free text fields such as comment boxes, including any other Personal Data which you may provide through or in connection with our Website.</div><div style=\"text-align: left;\">Use of Information</div><div style=\"text-align: left;\">Optimize Life uses the collected data for various purposes:</div><div style=\"text-align: left;\">To provide and maintain our Website.<br>To notify you about changes to our Website.<br>To allow you to participate in interactive features of our Website when you choose to do so.<br>To provide customer support.<br>To gather analysis or valuable information so that we can improve our Website.<br>To monitor the usage of our Website.<br>To detect, prevent and address technical issues.<br>To provide you with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.</div><div style=\"text-align: left;\">Optimize Life may process your Personal Data because:</div><div style=\"text-align: left;\">We need to perform a contract with you.<br>You have given us permission to do so.<br>The processing is in our legitimate interests, and it is not overridden by your rights.<br>For payment processing purposes.<br>To comply with the law.</div><div style=\"text-align: left;\">We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or the instructions provided in any email we send.</div><div style=\"text-align: left;\">We use cookies and similar tracking technologies to track the activity on our Website and we hold certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Website. Your browser may offer a “Do Not Track” option, but our Website does not support Do Not Track requests at this time, which means that we collect information about your online activity both while you are using the Website and after you leave our Website.</div><div style=\"text-align: left;\">SMS/Text Messaging</div><div style=\"text-align: left;\">We collect the following personal information about you in the context of our SMS/Text Messaging program: your name, mobile phone number, and texting preferences (opt-ins and opt-outs). We use this information to manage our text&nbsp;messaging program, including to send you text messages. Your wireless carrier may collect data about your wireless device usage, and its practices are governed by its own policies. We take measures to protect your sensitive personal information but cannot guarantee its security in transit or storage.</div><div style=\"text-align: left;\">Data Sharing</div><div style=\"text-align: left;\">Information we collect may be shared with certain partners and vendors, depending upon the purpose for and context in which that information was provided. We generally share Personal Data with the following categories of third-party recipients and/or for the following reasons:</div><div style=\"text-align: left;\">Affiliates</div><div style=\"text-align: left;\">In order to streamline certain business operations, improve personalization, and develop products and services that better meet the interests and needs of our customers, we may share your Personal Data with any of our current or future affiliated entities, subsidiaries, and parent companies.</div><div style=\"text-align: left;\">Business Partners</div><div style=\"text-align: left;\">We may share your Personal Data with our business partners who have engaged us to use the Website. These parties may engage in direct marketing or behavioral advertising or other purposes as specified in that party’s privacy policy.</div><div style=\"text-align: left;\">Corporate</div><div style=\"text-align: left;\">Transactions: Your Personal Data may be processed in the event that we go through a business transition, such as a merger, acquisition, liquidation, or sale of all or a portion of our assets. For example, Personal Data may be part of the assets transferred, or may be disclosed (subject to confidentiality restrictions) during the due diligence process for a potential transaction.</div><div style=\"text-align: left;\">Legal</div><div style=\"text-align: left;\">Under certain circumstances, Optimize Life may be required to disclose your Personal Data if required to do so by law or in response to valid requests by a court order or government agency. NJabo LLC may also disclose your Personal Data in the good faith belief that such action is necessary to: Comply with a legal obligation; protect and defend the rights or property of Optimize Life; prevent or investigate possible wrongdoing in connection with the Website; protect personal safety of users of the Website or the public; or protect against legal liability.</div><div style=\"text-align: left;\">Retention of Data</div><div style=\"text-align: left;\">We retain information for so long as it, in our discretion, remains relevant to its purpose, and in any event, for so long as is required by law. We will review retention periods periodically and may pseudonymize or anonymize data held for longer periods, if appropriate.</div><div style=\"text-align: left;\">Transfer of Data</div><div style=\"text-align: left;\">Your information, including Personal Data, may be transferred to, and maintained on, computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction. Your use of the Website or your submission of such information represents your consent and agreement to such transfer pursuant to this Privacy Policy.</div><div style=\"text-align: left;\">Optimize Life will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.</div><div style=\"text-align: left;\">Deletion of your information</div><div style=\"text-align: left;\">You have the right to ask us to delete personal information about you if it no longer is required for the purpose it was collected, you have withdrawn your consent, you have a valid objection to us using your personal information, or our use of your personal information is contrary to law or our other legal obligations. You may delete your account by emailing us at NJabo.cs@gmail.com with a request to delete your account. Deleting your account will remove all of your personally identifiable information from our database. We will only keep information required by law.</div><div style=\"text-align: left;\">Security</div><div style=\"text-align: left;\">We follow and implement reasonable security measures to safeguard the Personal Data you provide us. We do not have control over third parties’ security processes, but we use commercially reasonable measures to ensure third parties we may share information with adequately protect Personal Data. Please note, we do not warrant perfect security and we do not provide any guarantee that your Personal Data or any other information you provide us will remain secure.</div><div style=\"text-align: left;\">Service Providers</div><div style=\"text-align: left;\">We may employ third party companies and individuals to facilitate our Website, provide the Website on our behalf, perform Website-related services, provide marketing on third party websites, process your data more effectively, or assist us in analyzing how our Website is used. We may also use third-party service providers to monitor and analyze use of our Website. These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.</div><div style=\"text-align: left;\">Third Parties</div><div style=\"text-align: left;\">This Privacy Policy does not apply to information collected by third parties, for example, when you visit a third-party website or interact with online advertisements, unless and until we receive your information from those parties. Please review these third parties’ privacy policies before disclosing information to them.</div><div style=\"text-align: left;\">Payment Providers</div><div style=\"text-align: left;\">We use third-party services for payment processing for payments to be made on our Website. We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. We use Stripe, Inc. as our payment processor. Please visit https://stripe.com/us/privacy to view Stripe’s Privacy Policy.</div><div style=\"text-align: left;\">Minors</div><div style=\"text-align: left;\">Our Website is not intended for anyone under the age of 21 (“Minor”). No Minor may provide any information to or on the Website. We do not knowingly collect personally identifiable information from anyone under the age of 21. If you are under the age of 21, please do not use or provide any information on or through the Website, register for the Website, make any purchases through the Website, use any interactive features of the Website, provide any information about yourself to us, or otherwise use the Website.</div><div style=\"text-align: left;\">Changes to This Privacy Policy</div><div style=\"text-align: left;\">We may update our Privacy Policy from time to time. The date this Privacy Policy was last revised is identified at the top of this page. We will notify you of any changes by posting the new Privacy Policy on this page or otherwise through the Website. If we make material changes to how we treat our user’s personal information, we will let you know via email and/or a prominent notice through our Website and update the “Last Modified” date at the top of this Privacy Policy.</div><div style=\"text-align: left;\">You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page. 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