City Directory On Line

L.T. Creations, LLC.

Privacy Policy

Last modified: April 9, 2008

At L.T. Creations, LLC/City Directory On Line (LTC) we recognize that privacy is important. This Policy applies to all of the services and information offered by L.T. Creations, LLC. and City Directory On Line (collectively, "LTC services").

If you have any questions about this Policy, please feel free to contact us through our Web site or write to us at Privacy Matters, c/o L.T. Creations, LLC., P.O. Box 28261, Bellingham, Washington, 98228, USA.

Information we collect and how we use it
We offer a service that requires you to register for an account and provide personal information to us. In order to provide our full range of services, we may collect the following types of information:
Information you provide - When you sign up for a City Directory On Line Account, we ask you for personal information (such as your name, email address and an account password). For certain services, such as our full-page packages, we also request credit card or other payment account information which we maintain in encrypted form on secure servers.
City Directory On Line cookies - When you visit City Directory On Line, we send one or more cookies - a small file containing a string of characters - to your computer that uniquely identifies your browser. We use cookies to improve the quality of our service by storing log in information and visiting statistics. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. However, some City Directory On Line features and services may not function properly if your cookies are disabled.
Log information - When you use City Directory On Line services, our servers automatically record information that your browser sends whenever you visit a Web site. These server logs may include information such as your web request, Internet Protocol address, browser type, browser language, the date and time of your request and one or more cookies that may uniquely identify your browser.
User communications - When you send email or other communication to City Directory On Line, we may retain those communications in order to process your inquiries, respond to your requests and improve our services.
Affiliated sites - None. We do not and will not offer or otherwise provide any portion of our database, user information or any other contents of City Directory On Line to any company but L.T. Creations, LLC., the entity that owns, operates and developed City Directory On Line.
Other sites - This Privacy Policy applies to Web sites and services that are owned and operated by L.T. Creations, LLC. We do not exercise control over the sites displayed as search results or links from within our various services.
City Directory On Line only processes personal information for the purposes described in the applicable Privacy Policy and/or privacy notice for specific services. In addition to the above, such purposes include:
Providing our services to users, including the display of customized content and advertising;
Auditing, research and analysis in order to maintain, protect and improve our services;
Ensuring the technical functioning of our network; and
Developing new services.

Choices for personal information Top
When you sign up for a particular service that requires registration, we ask you to provide personal information. If we use this information in a manner different than the purpose for which it was collected, then we will ask for your consent prior to such use.
If we propose to use personal information for any purposes other than those described in this Policy and/or in the specific service notices, we will offer you an effective way to opt out of the use of personal information for those other purposes. We will not collect or use sensitive information for purposes other than those described in this Policy and/or in the specific service notices, unless we have obtained your prior consent.
You can decline to submit personal information to any of our services, in which case L.T. Creations, LLC. may not be able to provide those services to you.

Information sharing Top
L.T. Creations, LLC. only shares personal information with other companies or individuals outside of Google in the following limited circumstances:
If Google becomes involved in a merger, acquisition, or any form of sale of some or all of its assets, we will provide notice before personal information is transferred and becomes subject to a different privacy policy.

Information security Top
We take appropriate security measures to protect against unauthorized access to or unauthorized alteration, disclosure or destruction of data. These include internal reviews of our data collection, storage and processing practices and security measures, as well as physical security measures to guard against unauthorized access to systems where we store personal data.
We restrict access to personal information to L.T. Creations, LLC. employees, contractors and agents who need to know that information in order to operate, develop or improve our services. These individuals are bound by confidentiality obligations and may be subject to discipline, including termination and criminal prosecution, if they fail to meet these obligations.

Data integrity Top
L.T. Creations, LLC. processes personal information only for the purposes for which it was collected and in accordance with this Policy or any applicable service-specific privacy notice. We review our data collection, storage and processing practices to ensure that we only collect, store and process the personal information needed to provide or improve our services. We take reasonable steps to ensure that the personal information we process is accurate, complete, and current, but we depend on our users to update or correct their personal information whenever necessary.

Accessing and updating personal information Top
When you use L.T. Creations, LLC. services, we make good faith efforts to provide you with access to your personal information and either to correct this data if it is inaccurate or to delete such data at your request if it is not otherwise required to be retained by law or for legitimate business purposes. In any case where we provide information access and correction, we perform this service free of charge, except if doing so would require a disproportionate effort.

Enforcement Top
L.T. Creations, LLC. regularly reviews its compliance with this Policy. Please feel free to direct any questions or concerns regarding this Policy or L.T. Creations' treatment of personal information by contacting us through this web site or by writing to us at Privacy Matters, c/o L.T. Creations, LLC., P.O. Box 28261, Bellingham, Washington, 98228, USA. When we receive formal written complaints at this address, it is L.T. Creations' policy to contact the complaining user regarding his or her concerns. We will cooperate with the appropriate regulatory authorities, including local data protection authorities, to resolve any complaints regarding the transfer of personal data that cannot be resolved between Google and an individual.

Changes to this policy Top
Please note that this Privacy Policy may change from time to time. We will not reduce your rights under this Policy without your explicit consent, and we expect most such changes will be minor. Regardless, we will post any Policy changes on this page and, if the changes are significant, we will provide a more prominent notice (including, for certain services, email notification of Policy changes). Each version of this Policy will be identified at the top of the page by its effective date, and we will also keep prior versions of this Privacy Policy in an archive for your review.

If you have any additional questions or concerns about this Policy, please feel free to contact us any time through this web site or at Privacy Matters, c/o L.T. Creations, LLC., P.O. Box 28261, Bellingham, Washington, 98228, USA.

City Directory On Line

L.T. Creations, LLC.

Terms of Service

1. Your relationship with LTC Top
1.1 Your use of LTC's software, services and City Directory On Line web site (referred to collectively as the "Services" in this document) is subject to the terms of a legal agreement between you and LTC. "LTC" means L.T. Creations, LLC., whose principal place of business is at P.O. Box 28261, Bellingham, WA 98228, United States. This document explains how the agreement is made up, and sets out some of the terms of that agreement.
1.2 Unless otherwise agreed in writing with LTC, your agreement with LTC will always include, at a minimum, the terms and conditions set out in this document. These are referred to below as the "Universal Terms".
1.3 Your agreement with LTC will also include the terms of any Legal Notices applicable to the Services, in addition to the Universal Terms. All of these are referred to below as the "Additional Terms". Where Additional Terms apply to a Service, these will be accessible for you to read either within, or through your use of, that Service.
1.4 The Universal Terms, together with the Additional Terms, form a legally binding agreement between you and LTC in relation to your use of the Services. It is important that you take the time to read them carefully. Collectively, this legal agreement is referred to below as the "Terms".
1.5 If there is any contradiction between what the Additional Terms say and what the Universal Terms say, then the Additional Terms shall take precedence in relation to that Service.

2. Accepting the Terms Top
2.1 In order to use the Services, you must first agree to the Terms. You may not use the Services if you do not accept the Terms.
2.2 You can accept the Terms by:
(A) clicking to accept or agree to the Terms, where this option is made available to you by LTC in the user interface for any Service; or
(B) by actually using the Services. In this case, you understand and agree that LTC will treat your use of the Services as acceptance of the Terms from that point onwards.
2.3 You may not use the Services and may not accept the Terms if (a) you are not of legal age to form a binding contract with LTC, or (b) you are a person barred from receiving the Services under the laws of the United States.
2.4 Before you continue, you should print off or save a local copy of the Universal Terms for your records.

3. Provision of the Services by LTC Top
3.1 LTC is constantly innovating in order to provide the best possible experience for its users. You acknowledge and agree that the form and nature of the Services which LTC provides may change from time to time without prior notice to you.
3.2 As part of this continuing innovation, you acknowledge and agree that LTC may stop (permanently or temporarily) providing the Services (or any features within the Services) to you or to users generally at LTC's sole discretion, without prior notice to you. You may stop using the Services at any time. You do not need to specifically inform LTC when you stop using the Services.
3.3 You acknowledge and agree that if LTC disables access to your account, you may be prevented from accessing the Services, your account details or any files or other content which is contained in your account.
3.4 You acknowledge and agree that while LTC may not currently have set a fixed upper limit on the number of transmissions you may send or receive through the Services or on the amount of storage space used for the provision of any Service, such fixed upper limits may be set by LTC at any time, at LTC's discretion.

4. Use of the Services by you Top
4.1 In order to access certain Services, you may be required to provide information about yourself (such as identification or contact details) as part of the registration process for the Service, or as part of your continued use of the Services. You agree that any registration information you give to LTC will always be accurate, correct and up to date.
4.2 You agree to use the Services only for purposes that are permitted by (a) the Terms and (b) any applicable law, regulation or generally accepted practices or guidelines in the relevant jurisdictions (including any laws regarding the export of data or software to and from the United States).
4.3 You agree not to access (or attempt to access) any of the Services by any means other than through the interface that is provided by LTC, unless you have been specifically allowed to do so in a separate agreement with LTC. You specifically agree not to access (or attempt to access) any of the Services through any automated means (including use of scripts or web crawlers) and shall ensure that you comply with the instructions set out in any robots.txt file present on the Services.
4.4 You agree that you will not engage in any activity that interferes with or disrupts the Services (or the servers and networks which are connected to the Services).
4.5 Unless you have been specifically permitted to do so in a separate agreement with LTC, you agree that you will not reproduce, duplicate, copy, sell, trade or resell the Services for any purpose.
4.6 You agree that you are solely responsible for (and that LTC has no responsibility to you or to any third party for) any breach of your obligations under the Terms and for the consequences (including any loss or damage which LTC may suffer) of any such breach.

5. Your passwords and account security Top
5.1 You agree and understand that you are responsible for maintaining the confidentiality of passwords associated with any account you use to access the Services.
5.2 Accordingly, you agree that you will be solely responsible to LTC for all activities that occur under your account.
5.3 If you become aware of any unauthorized use of your password or of your account, you agree to notify LTC immediately at Contact Us and provide any related information.

6. Privacy and your personal information Top
6.1 For information about LTC's data protection practices, please read LTC's privacy policy at Privacy. This policy explains how LTC treats your personal information, and protects your privacy, when you use the Services.
6.2 You agree to the use of your data in accordance with LTC's privacy policies.

7. Content in the Services Top
7.1 You understand that all information (such as data files, written text, music, audio files or other sounds, photographs, videos or other images) which you may have access to as part of, or through your use of, the Services are the sole responsibility of the person from which such content originated. All such information is referred to below as the "Content".
7.2 You should be aware that Content presented to you as part of the Services, including but not limited to advertisements in the Services and sponsored Content within the Services may be protected by intellectual property rights which are owned by the sponsors or advertisers who provide that Content to LTC (or by other persons or companies on their behalf). You may not modify, rent, lease, loan, sell, distribute or create derivative works based on this Content (either in whole or in part) unless you have been specifically told that you may do so by LTC or by the owners of that Content, in a separate agreement.
7.3 LTC reserves the right (but shall have no obligation) to pre-screen, review, flag, filter, modify, refuse or remove any or all Content from any Service.
7.4 You understand that by using the Services you may be exposed to Content that you may find offensive, indecent or objectionable and that, in this respect, you use the Services at your own risk.
7.5 You agree that you are solely responsible for (and that LTC has no responsibility to you or to any third party for) any Content that you create, transmit or display while using the Services and for the consequences of your actions (including any loss or damage which LTC may suffer) by doing so.

8. Proprietary rights Top
8.1 You acknowledge and agree that LTC (or LTC's licensors) own all legal right, title and interest in and to the Services, including any intellectual property rights which subsist in the Services (whether those rights happen to be registered or not, and wherever in the world those rights may exist). You further acknowledge that the Services may contain information which is designated confidential by LTC and that you shall not disclose such information without LTC's prior written consent.
8.2 Unless you have agreed otherwise in writing with LTC, nothing in the Terms gives you a right to use any of LTC's trade names, trade marks, service marks, logos, domain names, and other distinctive brand features.
8.3 If you have been given an explicit right to use any of these brand features in a separate written agreement with LTC, then you agree that your use of such features shall be in compliance with that agreement, any applicable provisions of the Terms, and LTC's brand feature use guidelines as updated from time to time.
8.4 Other than the limited license set forth in Section 10, LTC acknowledges and agrees that it obtains no right, title or interest from you (or your licensors) under these Terms in or to any Content that you submit, post, transmit or display on, or through, the Services, including any intellectual property rights which subsist in that Content (whether those rights happen to be registered or not, and wherever in the world those rights may exist). Unless you have agreed otherwise in writing with LTC, you agree that you are responsible for protecting and enforcing those rights and that LTC has no obligation to do so on your behalf.
8.5 You agree that you shall not remove, obscure, or alter any proprietary rights notices (including copyright and trade mark notices) which may be affixed to or contained within the Services.
8.6 Unless you have been expressly authorized to do so in writing by LTC, you agree that in using the Services, you will not use any trade mark, service mark, trade name, logo of any company or organization in a way that is likely or intended to cause confusion about the owner or authorized user of such marks, names or logos.

9. License from LTC Top
9.1 LTC gives you a personal, worldwide, royalty-free, non-assignable and non-exclusive license to use the software provided to you by LTC as part of the Services as provided to you by LTC (referred to as the "Software" below). This license is for the sole purpose of enabling you to use and enjoy the benefit of the Services as provided by LTC, in the manner permitted by the Terms.
9.2 You may not (and you may not permit anyone else to) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Software or any part thereof, unless this is expressly permitted or required by law, or unless you have been specifically told that you may do so by LTC, in writing.
9.3 Unless LTC has given you specific written permission to do so, you may not assign (or grant a sub-license of) your rights to use the Software, grant a security interest in or over your rights to use the Software, or otherwise transfer any part of your rights to use the Software.

10. Content license from you Top
10.1 You retain copyright and any other rights you already hold in Content which you submit, post or display on or through, the Services. By submitting, posting or displaying the content you give LTC a perpetual, irrevocable, worldwide, royalty-free, and non-exclusive license to reproduce, adapt, modify, translate, publish, publicly perform, publicly display and distribute any Content which you submit, post or display on or through, the Services. This license is for the sole purpose of enabling LTC to display, distribute and promote the Services and may be revoked for certain Services as defined in the Additional Terms of those Services.
10.2 You understand that LTC, in performing the required technical steps to provide the Services to our users, may (a) transmit or distribute your Content over various public networks and in various media; and (b) make such changes to your Content as are necessary to conform and adapt that Content to the technical requirements of connecting networks, devices, services or media. You agree that this license shall permit LTC to take these actions.
10.3 You confirm and warrant to LTC that you have all the rights, power and authority necessary to grant the above license.

11. Ending your relationship with LTC Top
11.1 The Terms will continue to apply until terminated by either you or LTC as set out below.
11.2 If you want to terminate your legal agreement with LTC, you may do so by (a) notifying LTC at any time and (b) closing your accounts for all of the Services which you use, where LTC has made this option available to you. Your notice should be sent, in writing, to LTC's address which is set out at the beginning of these Terms.
11.3 LTC may at any time, terminate its legal agreement with you if:
(A) you have breached any provision of the Terms (or have acted in manner which clearly shows that you do not intend to, or are unable to comply with the provisions of the Terms); or
(B) LTC is required to do so by law (for example, where the provision of the Services to you is, or becomes, unlawful); or
(C) the provision of the Services to you by LTC is, in LTC's opinion, no longer commercially viable.
11.4 Nothing in this Section shall affect LTC's rights regarding provision of Services under Section 4 of the Terms.
11.5 When these Terms come to an end, all of the legal rights, obligations and liabilities that you and LTC have benefited from, been subject to (or which have accrued over time whilst the Terms have been in force) or which are expressed to continue indefinitely, shall be unaffected by this cessation, and the provisions of paragraph 18.7 shall continue to apply to such rights, obligations and liabilities indefinitely.

12. EXCLUSION OF WARRANTIES Top
12.1 NOTHING IN THESE TERMS, INCLUDING SECTIONS 14 AND 15, SHALL EXCLUDE OR LIMIT LTC'S WARRANTY OR LIABILITY FOR LOSSES WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED BY APPLICABLE LAW. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, ONLY THE LIMITATIONS WHICH ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
12.2 YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THAT THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."
12.3 IN PARTICULAR, LTC, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS DO NOT REPRESENT OR WARRANT TO YOU THAT:
(A) YOUR USE OF THE SERVICES WILL MEET YOUR REQUIREMENTS,
(B) YOUR USE OF THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE OR FREE FROM ERROR,
(C) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF YOUR USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE, AND
(D) THAT DEFECTS IN THE OPERATION OR FUNCTIONALITY OF ANY SOFTWARE PROVIDED TO YOU AS PART OF THE SERVICES WILL BE CORRECTED.
12.4 ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICES IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
12.5 NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LTC OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.
12.6 LTC FURTHER EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

13. LIMITATION OF LIABILITY Top
13.1 SUBJECT TO OVERALL PROVISION IN PARAGRAPH 12.1 ABOVE, YOU EXPRESSLY UNDERSTAND AND AGREE THAT LTC, ITS SUBSIDIARIES AND AFFILIATES, AND ITS LICENSORS SHALL NOT BE LIABLE TO YOU FOR:
(A) ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL CONSEQUENTIAL OR EXEMPLARY DAMAGES WHICH MAY BE INCURRED BY YOU, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY.. THIS SHALL INCLUDE, BUT NOT BE LIMITED TO, ANY LOSS OF PROFIT (WHETHER INCURRED DIRECTLY OR INDIRECTLY), ANY LOSS OF GOODWILL OR BUSINESS REPUTATION, ANY LOSS OF DATA SUFFERED, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSS;
(B) ANY LOSS OR DAMAGE WHICH MAY BE INCURRED BY YOU, INCLUDING BUT NOT LIMITED TO LOSS OR DAMAGE AS A RESULT OF:
(I) ANY RELIANCE PLACED BY YOU ON THE COMPLETENESS, ACCURACY OR EXISTENCE OF ANY ADVERTISING, OR AS A RESULT OF ANY RELATIONSHIP OR TRANSACTION BETWEEN YOU AND ANY ADVERTISER OR SPONSOR WHOSE ADVERTISING APPEARS ON THE SERVICES;
(II) ANY CHANGES WHICH LTC MAY MAKE TO THE SERVICES, OR FOR ANY PERMANENT OR TEMPORARY CESSATION IN THE PROVISION OF THE SERVICES (OR ANY FEATURES WITHIN THE SERVICES);
(III) THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE, ANY CONTENT AND OTHER COMMUNICATIONS DATA MAINTAINED OR TRANSMITTED BY OR THROUGH YOUR USE OF THE SERVICES;
(III) YOUR FAILURE TO PROVIDE LTC WITH ACCURATE ACCOUNT INFORMATION;
(IV) YOUR FAILURE TO KEEP YOUR PASSWORD OR ACCOUNT DETAILS SECURE AND CONFIDENTIAL;
13.2 THE LIMITATIONS ON LTC'S LIABILITY TO YOU IN PARAGRAPH 13.1 ABOVE SHALL APPLY WHETHER OR NOT LTC HAS BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY SUCH LOSSES ARISING.

14. Copyright and trade mark policies Top
14.1 It is LTC's policy to respond to notices of alleged copyright infringement that comply with applicable international intellectual property law (including, in the United States, the Digital Millennium Copyright Act) and to terminating the accounts of repeat infringers.
14.2 LTC operates a trade mark complaints procedure in respect of LTC's advertising business.

15. Advertisements Top
15.1 Some of the Services are supported by advertising revenue and may display advertisements and promotions. These advertisements may be targeted to the content of information stored on the Services, queries made through the Services or other information. These advertisements appear as text links under headings of either "Featured Listings" or "Related Categories".
15.2 In consideration for LTC granting you access to and use of the Services, you agree that LTC may place such advertising on the Services.

16. Other content Top
16.1 The Services may include hyperlinks to other Web sites or content or resources. LTC may have no control over any Web sites or resources which are provided by companies or persons other than LTC.
16.2 You acknowledge and agree that LTC is not responsible for the availability of any such external sites or resources, and does not endorse any advertising, products or other materials on or available from such Web sites or resources.
16.3 You acknowledge and agree that LTC is not liable for any loss or damage which may be incurred by you as a result of the availability of those external sites or resources, or as a result of any reliance placed by you on the completeness, accuracy or existence of any advertising, products or other materials on, or available from, such web sites or resources.

17. Changes to the Terms Top
17.1 LTC may make changes to the Universal Terms or Additional Terms from time to time. When these changes are made, LTC will make a new copy of the Universal Terms available at Privacy and any new Additional Terms will be made available to you from within, or through, the affected Services.
17.2 You understand and agree that if you use the Services after the date on which the Universal Terms or Additional Terms have changed, LTC will treat your use as acceptance of the updated Universal Terms or Additional Terms.

18. General legal terms Top
18.1 Sometimes when you use the Services, you may (as a result of, or through your use of the Services) use a service or download a piece of software, or purchase goods, which are provided by another person or company. Your use of these other services, software or goods may be subject to separate terms between you and the company or person concerned. If so, the Terms do not affect your legal relationship with these other companies or individuals.
18.2 The Terms constitute the whole legal agreement between you and LTC and govern your use of the Services (but excluding any services which LTC may provide to you under a separate written agreement), and completely replace any prior agreements between you and LTC in relation to the Services.
18.3 You agree that LTC may provide you with notices, including those regarding changes to the Terms, by email, regular mail, or postings on the Services.
18.4 You agree that if LTC does not exercise or enforce any legal right or remedy which is contained in the Terms (or which LTC has the benefit of under any applicable law), this will not be taken to be a formal waiver of LTC's rights and that those rights or remedies will still be available to LTC.
18.5 If any court of law, having the jurisdiction to decide on this matter, rules that any provision of these Terms is invalid, then that provision will be removed from the Terms without affecting the rest of the Terms. The remaining provisions of the Terms will continue to be valid and enforceable.
18.6 You acknowledge and agree that each member of the group of companies of which LTC is the parent shall be third party beneficiaries to the Terms and that such other companies shall be entitled to directly enforce, and rely upon, any provision of the Terms which confers a benefit on (or rights in favor of) them. Other than this, no other person or company shall be third party beneficiaries to the Terms.
18.7 The Terms, and your relationship with LTC under the Terms, shall be governed by the laws of the State of Wyoming without regard to its conflict of laws provisions. You and LTC agree to submit to the exclusive jurisdiction of the courts located within the county of Lincoln County, Wyoming to resolve any legal matter arising from the Terms. Notwithstanding this, you agree that LTC shall still be allowed to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

April 9, 2008 Top